Judul: Determining Unit Link Term Life Insurance Net Single Premium Using the Compound Annual Ratchet Method
Abstrak: Asuransi unit link merupakan salah satu bentuk asuransi jiwa modern yang memberikan dua manfaat, yakni manfaat kematian dan manfaat investasi bagi tertanggung. Penghitungan premi dilakukan dengan mengasumsikan instrumen investasi yang digunakan berupa saham serta suku bunga konstan selama periode asuransi. Namun, pada keadaan sesungguhnya, instrumen investasi yang digunakan dapat berupa sebuah portofolio investasi yang terdiri atas berbagai instrumen investasi yang dimiliki oleh perusahaan asuransi serta suku bunga bervariasi. Tujuan karya ilmiah ini adalah menentukan besaran premi tunggal bersih dari asuransi jiwa berjangka unit link menggunakan metode pengindeksan saham compound annual ratchet pada empat skenario berbeda di mana tingkat cap dan tingkat floor divariasikan. Hasil penghitungan memberikan empat nilai premi tunggal bersih untuk masing-masing skenario. Secara keseluruhan, peningkatan tingkat floor dari 0% menjadi 3% memberikan nilai premi tunggal bersih yang lebih tinggi, sedangkan peningkatan tingkat cap dari 9% menjadi 12% memberikan nilai premi tunggal bersih yang lebih tinggi, tetapi kurang signifikan., The unit link insurance is one of the modern forms of life insurance that provides two benefits, namely death benefits and investment benefits for the insured. The calculation of the premiums is based on the assumption that the investment instruments used are equities and constant interest rates during the insurance period. However, in actual circumstances, the investment instrument used may be an investment portfolio consisting of different investments owned by the insurance company as well as varying interest rates. This scientific paper aims to determine the net single premium of life insurance unit link using the indexing method of compound annual ratchet stocks in four scenarios where the cap and floor values vary. The calculation results give net single premium values for each scenario. Overall, an increase in the floor level from 0% to 3% yields a higher net single premium value while an increase in the cap level rate from 9% to 12% gives a higher but less significant net single premium value.
Keyword: asuransi jiwa berjangka, Investasi, compound annual ratchet, premi tunggal bersih, unit link

Judul: Determination of Net Single Premiums  of Joint Life Credit Life Insurance
Abstrak: Asuransi jiwa kredit adalah jenis asuransi berjangka yang melindungi kreditur dan debitur dari risiko gagal bayar. Asuransi jiwa kredit status joint life merupakan produk asuransi dengan dua orang tertanggung. Manfaat asuransi akan diberikan hanya jika terjadi kegagalan pertama. Namun, pada kenyataan sesungguhnya, produk asuransi jiwa kredit yang beredar memberikan manfaat yang lebih kompleks dan memberikan perlindungan bukan hanya jika terjadi kematian. Tujuan dari karya ilmiah ini adalah menerapkan ilmu aktuaria dalam menentukan nilai premi tunggal bersih asuransi jiwa kredit status joint life dan pengaruh usia masuk peserta dan periode pinjaman terhadap premi. Nilai premi tunggal kotor dihitung dengan asumsi loading factor yang digunakan perusahaan adalah 60% dari premi tunggal bersih. Berdasarkan hasil penelitian, nilai premi tunggal bersih asuransi jiwa kredit status joint life akan meningkat seiring bertambahnya usia masuk peserta atau debitur. Nilai premi tunggal bersih asuransi jiwa kredit juga mengalami peningkatan saat periode pelunasan utang semakin lama., Credit life insurance is a type of term insurance that protects creditors and debtors from the risk of default. Joint life status of credit life insurance is an insurance product with two insured people. Insurance benefits will be provided only in the event of a first failure. However, in reality, the credit life insurance products in circulation provide more complex benefits and protection not only in the event of death. The aim of this scientific work is to apply actuarial science in determining the net single premium value of credit life insurance with joint life status and the influence of participant entry age and debt repayment period on premiums. The gross single premium value is calculated assuming that the company’s loading factor is 60% of the net single premium. Based on the research results, the net single premium value of credit life insurance with joint life status will increase as the age of the participant or debtor increases. The net single premium value of credit life insurance also increases as the debt repayment period becomes longer.
Keyword: Credit life insurance, gross single premium, joint life status, net single premium

Judul: Physicochemical Properties of Fermented Cocoa Pulp and Its Ability on Starch Digestion Inhibition: In Vitro Gastrointestinal Digestion Analysis
Abstrak: Cocoa, a fruit consumed globally, is rich in bioactive compounds associated with numerous health benefits. This study investigated the chemical composition and functional properties of fermented cocoa pulp, as well as its capacity to inhibit starch digestion through in vitro gastrointestinal analysis. Cocoa pods underwent natural fermentation, producing cocoa pulp samples analyzed over the course of a week. The total phenol content reached its peak on day 7 at 294.94 µg GAE/mL, accompanied by high antioxidant activity. Gas chromatography-mass spectrometry detected the presence of acetic acid, reaching its peak on day 6. Ethanol content increased until day 7 (2.43 ppm). Statistical analyses confirmed significant daydependent effects. Fermentation time showed a positive correlation with αglucosidase and α-amylase inhibition, indicating potential for diabetes management. In vitro digestion analysis revealed decreased starch digestibility with longer fermentation, reaching optimal levels at around 60 minutes, providing insights for cocoa processing optimization.
Keyword: Cocoa pulp, fermentation, total phenol, antioxidant