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: Determination of Benefit Reserves in Joint Life Insurance with the Canadian Method
Abstrak: Asuransi jiwa joint life merupakan asuransi multi life yang pembayaran preminya dibayarkan hingga salah satu tertanggung yang terdaftar pada polis meninggal dunia dan manfaat asuransi akan dibayarkan di akhir tahun kematian pertama. Pada karya ilmiah ini, metode Canadian diterapkan dalam menentukan cadangan manfaat pada asuransi jiwa seumur hidup, berjangka, endowment murni, dan dwiguna untuk asuransi jiwa multi life status joint life dua individu. Selain itu, diasumsikan pembayaran premi konstan hingga maksimal 10 tahun dan besar manfaat yang diberikan kepada tertanggung sebesar satu satuan. Berdasarkan hasil ilustrasi penghitungan, nilai cadangan manfaat asuransi jiwa berjangka meningkat setiap tahun hingga tahun ke-10 lalu menurun setiap tahun hingga tahun terakhir, sedangkan untuk ketiga jenis asuransi lainnya nilai cadangan manfaat meningkat setiap tahunnya dengan peningkatan yang signifikan terjadi ketika tertanggung masih membayarkan premi., Joint life insurance is a multi-life insurance policy in which premiums are paid until one of the insured individuals listed on the policy passes away, and the insurance benefits are paid out at the end of the first death year. In this research paper, the Canadian method is applied to determine the benefit reserves for whole life, term life, pure endowment, and endowment joint life insurance policies for two individuals. In addition, it is assumed that the premium payment is constant for up to a maximum of 10 years and the benefit amount given to the insured is one unit. Based on the results of the illustration calculation, the reserve value of term life insurance benefits increases yearly until the 10th year and then decreases every year until the last year; as for the other three types of insurance, the value of benefit reserves increases yearly, with a significant increase occurring when the insured still pays premiums.
Keyword: Canadian method, joint life insurance, benefit reserves

Judul: Elektrode Pasta Karbon Termodifikasi Kuersetin untuk Analisis Ion Tembaga(II) secara Voltammetri
Abstrak: Quercetin is a flavonoid compound that can form stable complexes with various metal ions. Its use as a modifier for carbon paste electrode is expected to improve sensitivity in measurement by voltammetry. Quercetin-modified carbon paste electrode used for copper(II) ions analysis was evaluated in terms of the effect of some parameters such as quercetin composition, scan rate, pH, preconcentration time, preconcentration potential, and linearity of measurement. Copper-(II) ions analysis with cyclic voltammetry at potential range of -0.5–1.0 V resulted well-defined 2 pairs of reduction-oxidation peaks with the optimum conditions for reliable measurement were 0.1 M NaCl pH 6, and 5% quercetin. The cyclic voltammetry response was linear with the determination coefficient 0.995 in the concentration range of CuCl2 2.0–100 mM. Anodic stripping voltammogram resulted the optimum preconcentration potential of -600 mV and preconcentration time of 80 s. The anodic stripping voltammogram was linear with the determination coefficient 0.983 in the concentration range of CuCl2 0.2– 0.8 mM. This modified electrode increases the intensity of the current and can be developed for environmental samples measurement.
Keyword: anodic stripping voltammetry, copper(II), electrode, quercetin