Judul: Term Joint-Life Insurance Annual Premiums for Three People with Variation of Interest Rates and Benefits
Abstrak: Salah satu faktor yang memengaruhi perhitungan premi adalah suku bunga. Pada dunia nyata suku bunga dapat bergerak naik, turun, maupun konstan. Penulisan karya ilmiah ini bertujuan untuk melihat perbandingan harga premi asuransi jiwa joint-life berjangka untuk kasus tiga orang dengan variasi suku bunga naik, turun, dan konstan serta variasi manfaat. Asuransi jiwa dengan status joint-life merupakan salah satu jenis asuransi multi-life yang mana kegagalannya ditentukan pada saat kegagalan pertama dari salah satu tertanggung. Status joint-life digunakan dalam penentuan premi yang mana pembayaran premi tidak akan dibayarkan lagi ketika salah satu tertanggung mengalami kegagalan. Terdapat dua nilai manfaat. Manfaat pertama akan diberikan ketika salah satu tertanggung mengalami kegagalan dan manfaat kedua akan diberikan ketika sudah ada dua tertanggung yang gagal., One of the factors that influence premium calculation is the interest rate. In the real world, interests rate can go up, down, or be constant. The aim of this scientific paper is to look at the comparison of term joint-life insurance premiums for the case of three people with varying interest rates up, down, and constant; and various benefits. Life insurance with joint-life status is a type of multi-life insurance, which means the failure is determined at the first failure of one of the insureds. Joint-life status is used in determining premiums where premium payments will not be paid again when one of the insureds fails. There are two benefits. The first benefit will be given when one of the insureds fails, and the second benefit will be given when two insureds have failed.
Keyword: interest rates, joint-life insurance, premium

Judul: Determination of Premium and Reserve Benefits of Term Life Insurance for Three Insureds with Combined Joint Life and Last Survivor Status
Abstrak: Asuransi jiwa berjangka adalah pertanggungan atas risiko meninggalnya peserta asuransi dalam jangka waktu tertentu. Asuransi jiwa multi life dengan status joint life memberikan santunan saat kematian pertama pada kelompok peserta, sedangkan status last survivor memberikan santunan saat kematian terakhir pada kelompok peserta. Karya ilmiah ini membahas tentang penentuan peluang kegagalan status, premi bersih tahunan, dan cadangan manfaat asuransi dengan menggunakan metode prospektif pada asuransi jiwa berjangka untuk suami, istri, dan anak laki-laki dengan status joint life antara anak laki-laki dengan status last survivor pasangan suami istri. Perhitungan dilakukan dengan beberapa skenario berdasarkan usia mulai asuransi dan masa pertanggungan. Hasil penelitian menunjukkan bahwa peluang kegagalan status menurun ketika anak masih sangat muda dan meningkat setelahnya. Besar premi bersih tahunan menurun untuk beberapa skenario dengan usia awal termuda dan meningkat setelahnya. Nilai cadangan pada awal dan akhir kontrak bernilai nol, namun beberapa skenario memiliki cadangan negatif., Term life insurance is coverage for the risk of death of insurance participants within a certain period of time. Multi life insurance with joint life status provides compensation at the first death of the group of participants, while the last survivor status provides compensation at the last death of the group of participants. This scientific work discusses the determination of failure probability, annual net premium, and insurance benefit reserve using the prospective method in term life insurance for husband, wife, and son with joint life status between son and last survivor status of husband and wife. The calculation is done with several scenarios based on the starting age of insurance and the coverage period. The results show that the probability of failure status decreases when the child is very young and increases thereafter. The annual net premium decreases for scenarios with the youngest starting age and increases thereafter. The reserve value at the beginning and end of the contract is zero, but some scenarios have negative reserves.
Keyword: combined joint life and last survivor, insurance, premium, reserves

Judul: Process engineering of cassava pulp hydrolysis using microwave heating for ethanol production
Abstrak: Cassava pulp is a potential source of carbohydrates. In this work, characteristics of the cassava pulp were analyzed and validity of microwave irradiation for hydrolysis of carbohydrates, especially starch present in the cassava pulp, was estimated as a non-enzymatic saccharification technique. The hydrolysis was performed in water and acid medium. In addition, the role of activated carbon in the microwave-assisted hydrolysis was also evaluated. An optimization of the hydrolysis was conducted using Central Composite Design (CCD) and was analyzed using Response Surface Methodology (RSM). Fermentation of cassava pulp hydrolysates produced from microwave-assisted acid hydrolysis was performed to those added with activated carbon (25% w/w) and those without activated carbon by Saccharomyces cerevisiae. There were two types of activated carbon, which have different adsorption properties, used in this experiment. Results of the cassava pulp characterization shows that the starch granules in the cassava pulp were trapped in biomass matrices, so that the starch was harder to hydrolyze than the free starch, such as that in tapioca flour. Microwave-assisted hydrolysis of cassava pulp can be completed in less than 15 minutes in water medium, and less than 10 minutes in acid medium. The addition of activated carbon improved hydrolysis of cassava pulp starch in water medium with suppression of formation of the secondary decomposed materials. The highest glucose yield obtained from cassava pulp was 46% of dry matter or 52% of theoretical, which was about 60% higher than the one without the addition of activated carbon. On the contrary, the addition of activated carbon decreased the glucose yield when the hydrolysis was performed in acid medium (0.5% H2SO4). The glucose yield could reach 80.8% of dry matter or 91.5% of theoretical yield when no activated carbon was added in the acid medium. The estimated optimum condition for cassava pulp hydrolysis under microwave irradiation was using 0.88% sulfuric acid with 9 minutes of heating time, which resulted in 85% of theoretical glucose yield and 140 g/L glucose concentration. At the end of the fermentation the ethanol yield and concentration obtained in the samples treated with activated carbon (0.41-0.43 g ethanol / g glucose consumed; 34-35 g/L) were lower than that not treated with activated carbon or those treated with activated carbon which was added after hydrolysis (0.48 g ethanol / glucose consumed; 38- 39 g/L). However, the fermentation was completed very much faster in the hydrolysates treated with the activated carbon which has a high adsorption capacity than in that not treated with activated carbon or those treated with activated carbon of low adsorption capacity. Therefore, ethanol productivities (0.44-0.55 g/L/h) of the former were higher than the latter (0.28-0.34 g/L/h).
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