Judul: Penentuan Premi Asuransi Livestock Gross Margin untuk Sapi Pedaging dengan Metode Simulasi Monte Carlo
Abstrak: Asuransi Livestock Gross Margin Cattle (LGM-Cattle) adalah asuransi yang melindungi peternak sapi saat menjual sapi yang telah digemukkan melalui yearling atau calf finishing dengan mengurangi risiko kerugian gross margin. Gross margin adalah selisih harga penjualan ternak dewasa dengan biaya pakan dan harga sapi anakan. Penentuan premi asuransi LGM-Cattle pada tahun 2014 memerlukan data gross margin guarantee tahun 2014 dan simulated gross margin tahun 2014 yang dihasilkan dari metode simulasi Monte Carlo dengan model parametrik dari data gross margin tahun 2000-2013. Estimasi kerugian berdasarkan selisih positif gross margin guarantee dan simulated gross margin digunakan untuk menentukan premi. Dari hasil perhitungan, tingkat premi calf finishing lebih tinggi daripada yearling finishing., Livestock Gross Margin Cattle (LGM-Cattle) insurance is a policy that protects cattle farmers when selling fattened cattle through yearling or calf finishing, reducing the risk of gross margin losses. Gross margin is the difference between the selling price of adult cattle, the costs of feed, and the price of young cattle. Determining LGM-Cattle insurance premiums in 2014 requires gross margin guarantee data from 2014 and simulated gross margin data from 2014 generated through the Monte Carlo simulation method with parametric models based on gross margin data from 2000 to 2013. Loss estimates based on the positive difference between the gross margin guarantee and simulated gross margin were used to determine the premium. The calculations showed that the premium rate for calf finishing was higher than yearling finishing.
Keyword: Premium, Monte Carlo, Loss, Livestock Gross Margin

Judul: Motor Vehicle Insurance Premium Calculation Using Generalized Linear Models
Abstrak: Seiring berkembangnya jaman, kenaikan jumlah kendaraan juga semakin meningkat. Salah satu risiko yang dapat terjadi dengan adanya peningkatan jumlah kendaraan adalah terjadinya kecelakaan yang mengakibatkan kerusakan terhadap kendaraan bermotor yang digunakan. Dalam rangka menanggulangi risiko yang terjadi, maka dilakukan pengalihan risiko. Salah satu bentuk pengalihan risiko yang dapat dilakukan oleh seorang individu adalah dengan ikut menjadi peserta asuransi, sehingga menjadi tugas penting bagi aktuaris untuk menentukan besarnya premi yang sesuai untuk setiap nasabah dengan risiko dan karakteristik yang berbeda. Banyak peubah yang dapat mempengaruhi harga premi. Oleh karena itu, aktuaris harus mengetahui peubah-peubah yang berpengaruh signifikan terhadap premi. Tujuan dari penelitian ini adalah untuk menentukan peubah yang dapat mempengaruhi besaran premi murni menggunakan distribusi campuran dalam menentukan besarnya premi melalui Generalized Linear Models (GLM) serta menentukan model harga premi yang sesuai berdasarkan peubah-peubah yang mempengaruhinya. Data yang dianalisis pada penelitian ini adalah data portofolio nasabah suatu perusahaan asuransi di Amerika Serikat. Salah satu analisis statistik yang dapat digunakan untuk memodelkan premi asuransi adalah Generalized Linear Models (GLM). GLM merupakan perluasan dari model regresi klasik yang dapat mengakomodasi fleksibilitas untuk menggunakan beberapa distribusi data tetapi terbatas pada distribusi keluarga eksponensial. Dalam model GLM, premi diperoleh dengan mengalikan nilai ekspektasi bersyarat dari frekuensi klaim dan biaya klaim. Berdasarkan penelitian yang telah dilakukan diketahui bahwa frekuensi klaim dan besarnya klaim mengikuti sebuah distribusi campuran, yaitu distribusi Tweedie. Dari kedua model tersebut diketahui bahwa peubah yang mempengaruhi premi murni adalah jumlah anak, pendapatan per bulan, status pernikahan, pendidikan, pekerjaan, penggunaan kendaraan, besarnya bluebook yang dibayarkan, dan jenis kendaraan nasabah. Hal ini menunjukkan bahwa model GLM merupakan model yang representatif dan berguna bagi perusahaan asuransi., Along with times, the number of vehicles is also increasing. One of the failures that can occur with an increase in the number of vehicles is the occurrence of accidents that result in damage to the motorized vehicles used. In order to overcome the risks that occur, the risk transfer is carried out. One form of risk transfer that can be taken by an individual is to become an insurance participant. It is an important task for actuaries to determine the appropriate amount of premium for each customer with different risks and characteristics. Many variables can affect the premium price. Therefore, actuaries must know the variables that have significant effects on the premium. The purpose of this study is to determine the variables that can affect the amount of pure premiums with mixed distribution in determining the amount of premiums using Generalized Linear Models (GLM) and to determine the appropriate premium price model based on the variables that influence significantly it. The data analyzed in this study is customer portfolio data of an insurance company in the United States. One of statistical analyzes that can be used to model insurance premiums is the Generalized Linear Models. GLM is an extension of the classic regression model that can accommodate the flexibility of its users to use multiple data distributions but is limited to the exponential family distribution. In the GLM model, the premium is obtained by multiplying the conditional expected value of the
Keyword: Cost of Claim, Frequency of Claims, Generalized Linear Models, Premiums of Insurance, Tweedie Distribution

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell