Judul: Penentuan Premi Tahunan Berjangka pada Reversionary Annuity dengan Tingkat Bunga Mengikuti Model Vasicek
Abstrak: Salah satu produk anuitas multiple life adalah reversionary annuity, yaitu pembayaran santunan akan diberikan kepada ahli waris saat salah satu peserta asuransi meninggal. Perusahaan asuransi sebagai penyedia asuransi memiliki kewajiban untuk menetapkan harga premi yang optimal. Salah satu faktor yang mempengaruhi premi adalah suku bunga. Perubahan tingkat bunga dapat dimodelkan dengan suku bunga stokastik, yaitu model Vasicek. Pada penelitian ini, ditentukan premi tahunan berjangka untuk kasus reversionary annuity menggunakan tingkat bunga konstan dan model Vasicek. Pendugaan parameter model Vasicek menggunakan metode ordinary least square. Data yang digunakan untuk peramalan suku bunga adalah rata-rata per tahun BI 7-day (Reverse) Repo Rate periode April 2016 sampai Maret 2023. Model Vasicek digunakan untuk membangkitkan suku bunga yang baru untuk sepuluh tahun mendatang yang selanjutnya digunakan untuk menghitung premi bersih tahunan berjangka. Hasil perhitungan premi dengan suku bunga konstan secara umum lebih tinggi dibandingkan hasil perhitungan premi dengan suku bunga model Vasicek untuk semua kasus penerima manfaat., One of the multiple life annuity products is reversionary annuity, which is a compensation payment that will be given to the heirs when one of the insurance participants dies. Insurance companies as insurance providers have an obligation to set optimal premium prices. One of the factors that affect the premium is the interest rate. Changes in interest rates can be modeled using stochastic interest rates, namely the Vasicek model. In this study, the term annual premium was determined for the case of reversionary annuity using a constant interest rate and the Vasicek model. The parameter estimation of the Vasicek model uses the ordinary least squares method. The data used for forecasting interest rates is the BI 7-day (Reverse) Repo Rate average per year from April 2016 to March 2023. The Vasicek model is used to generate a new interest rate for the next ten years which is then used to calculate the annual futures net premium. The result of premium calculation with a constant interest rate is generally higher than that of premium calculation with the Vasicek model interest rate for all beneficiary cases.
Keyword: insurance, premium, interest rate, Vasicek model, reversionary annuity

Judul: Penentuan Premi Tahunan dan Cadangan Manfaat  Asuransi Jiwa Berjangka Multiple-Decrement dengan Skenario Suku Bunga
Abstrak: Pada karya ilmiah ini, penentuan premi dan cadangan manfaat asuransi jiwa berjangka dihitung menggunakan model multiple-decrement. Penentuan premi dan pembayaran manfaat dihitung berdasarkan penyebab kegagalan peserta asuransi. Kegagalan disebabkan oleh kematian, mengundurkan diri, disabilitas dan pensiun. Penelitian ini bertujuan untuk menentukan besar premi dan cadangan manfaat asuransi jiwa berjangka model multiple-decrement menggunakan suku bunga konstan dan bervariasi. Besar premi dan cadangan manfaat dihitung dengan suku bunga konstan dan empat skenario perubahan yaitu naik moderat, naik drastis, turun moderat dan turun drastis. Data yang digunakan dalam penghitungan ini adalah data tabel multiple-decrement dari Illustrative Service Table yang tersedia pada buku Bowers dan data suku bunga BI-7 Day Reverse Repo Rate (BI7DRR) dari April 2016 sampai Oktober 2022. Data pada Illustrative Service Table berisi data banyak individu yang bertahan dan banyak individu yang gagal untuk setiap penyebab kegagalan untuk individu berusia 30 sampai 70 tahun. Berdasarkan hasil analisis, kenaikan suku bunga menyebabkan penurunan besar premi dan cadangan manfaat., In this study, premium and benefit reserve determination of term life insurance was calculated using multiple-decrement model. Premium determination and benefit payment are calculated based on the cause of failure. Failure can be caused by death, withdrawal, disability and retirement. This research aims to determine the premium and benefit reserve of multiple-decrement model on term life insurance using constant and variated interest rates. The amount of premium and benefit reserve paid is calculated with the constant and four scenarios of change in interest rate which are moderately increasing, drastically increasing, moderately decreasing and drastically decreasing. The data used on this calculation is the multiple-decrement table from Illustrative Service Table available on Bowers and interest rate data from BI 7-Day Reverse Repo Rate (BI7DRR) from April 2016 to October 2022. The Illustrative Service Table contains the data of the number of survived individuals and failed individuals for every cause of failure for individuals aged 30 to 70. Based on the analysis results, the increase in interest rate caused reduction of the premium and benefit reserve.
Keyword: benefit reserve, interest rate scenario, multiple-decrement, premium, term life insurance

Judul: Synthesis of Molybdenum Trioxide (MoO3) by Electrochemical Method for Electrochromics Application
Abstrak: Molybdenum trioxide (MoO3) thin films have been deposited on glass substrates by electrochemical method using ammonium heptamolybdate tetrahydrate ((NH4)6Mo7O244H2O). The films were deposited onto glass substrates as the control temperature at 25○C and annealing treatment at 350○C for 30 mins. The MoO3 thin films were investigated by UV-Vis, X-ray diffraction techniques (XRD), Scanning Electron Microscopy (SEM). The JCPDS card show that orthorhombic MoO3 (α- phase) has been formed. Molybdenum trioxide MoO3 formation was also confirmed by JCPDS card no. 35-0609. The SEM photographs revealed that the spherical and rod-like morphology and their grains size increased with increasing of heating temperatures. The measurement results show that the MoO3 thin film prepared at 350°C transmited about 80% of the visible spectrum. The effect of different heat treatments on surface morphology, thickness and optical properties of the films are discussed in this thesis.
Keyword: Institut Pertanian Bogor, Bogor Agricultural University, IPB, Electrophoretics, electrodeposide, electrochromics, electrochromic materials, electrochromic mechanism