Judul: Analysis of the Effect of Investment Return and Claim Expense on General Insurance Companies in Indonesia Profit by CopulaBased Regression
Abstrak: Selayaknya perekonomian di negara lain, untuk mencapai dan menjaga kestabilan sektor finansial, Indonesia membutuhkan peran sektor asuransi umum. Meskipun industri asuransi umum di Indonesia mencatat kinerja positif hingga 2021, pengembangannya masih menghadapi tantangan, baik dari segi potensial pasar maupun permodalan. Laba perusahaan asuransi umum dipengaruhi banyak hal. Dalam karya ilmiah ini dilakukan analisis hasil investasi dan beban klaim terhadap laba perusahaan asuransi umum di Indonesia menggunakan regresi berbasis copula. Regresi berbasis copula dipilih karena regresi ini lebih fleksibel jika dibandingkan dengan regresi Ordinary Least Square (OLS). Data yang digunakan adalah data hasil investasi, bebanklaim, dan laba perusahaan asuransi umum yang terdaftar di Asosiasi Asuransi Umum Indonesia periode tahun buku Desember 2020 - Desember 2021. Hasil analisis menunjukkan bahwa hasil investasi terhadap laba lebih akurat dibandingkan dengan beban klaim terhadap laba., Similar to economies in other countries, to achieve and maintain financial sector stability, Indonesia requires the role of the general insurance sector. Despite the positive performance of the general insurance industry in Indonesia until 2021, its development still faces challenges, both in terms of market potential and capital. The profits of general insurance companies are influenced by various factors. This research analyze the impact of investment returns and claims expenses on the profits of general insurance companies in Indonesia using copula-based regression. Copula-based regression is chosen due to its greater flexibility than Ordinary Least Square (OLS) regression. The data utilized includes investment returns, claims expenses, and profits of general insurance companies registered with the General Insurance Association of Indonesia from December 2020 to December 2021. The analysis results indicate that investment returns have a more accurate influence on profits than claims expenses.
Keyword: profits, investment returns, claims expenses, copula regression

Judul: Pengaruh Klaim dan Hasil Investasi terhadap Laba Perusahaan Asuransi Syariah
Abstrak: Laporan keuangan merupakan instrumen yang berisi variabel penting untuk menganalisis dan mengambil keputusan keuangan perusahaan. Tujuan karya ilmiah ini ialah menganalisis pengaruh klaim dan hasil investasi terhadap laba perusahaan asuransi syariah tahun 2011-2020. Metode penelitian yang digunakan yaitu regresi linear berganda menggunakan metode kuadrat terkecil. Pendugaan laba perusahaan menggunakan dua variabel (klaim dan hasil investasi) menghasilkan koefisien determinasi terbesar dibandingkan hanya menggunakan satu variabel. Hasil koefisien determinasi menunjukkan bahwa klaim dan hasil investasi berpengaruh terhadap laba perusahaan. Hasil investasi memiliki pengaruh terbesar terhadap laba perusahaan dibandingkan dengan klaim., Financial statements are instruments that contain important variables for analyzing and making financial decisions of companies. The purpose of this study was to analyze the influence of claims and investments on the profit of sharia insurance company in 2011-2020. The method of research used is multiple linear regression with ordinary least square. Estimating company profits using two variables (claims and investment returns) produces the largest coefficient of determination compared to using only one variable. The results of the coefficient of determination indicate that claims and investment affect the company's profit. The investment returns have the greatest influence on the company's profit than claims.
Keyword: sharia insurance, investments, claims, company’s profit, multiple linear regression

Judul: Aktivitas Antimikrob dan Karakterisasi Nanosilver Ekstraseluler Veronaea sp. KT19
Abstrak: Synthesis of nanosilver biologically may use fungi. The purpose of this study was to characterize and to determine antimicrobial activity of extracellular nanosilver of Veronaea sp. KT19. The highest activity was shown by extract of day 6 with diameter of inhibition zones on the Escherichia coli was 15.5±0.7 mm and Bacillus subtiliswas 13±2.8 mm. Spectrum of the nanoparticles of A6, A12, B6 (x), B6 (y), B12 (x), and B12 (y) was measured at a wavelength of 450 nm, 400 nm, 263.5 nm, 262 nm, 262.5 nm and 256.5 nm. The smallest particle size average obtained by A6 was 32.25 nm. Antimicrobial activity against 5 microorganisms showed weak activity againts Bacillus subtilis and Staphylococcus aureus, showed moderate activity againts Escherichia coli, Pseudomonas aeruginosa and Candida maltosa.
Keyword: Veronaea sp., nanosilver, biosynthesis, antibacteria