Judul: Determination of Benefit Reserves on Endowment  Joint Life Insurances Using Zillmer Methods
Abstrak: Asuransi joint life adalah asuransi multi life dengan manfaat yang akan dibayarkan jika salah satu dari tertanggung meninggal. Pada karya ilmiah ini, dibahas penentuan premi tahunan berdasarkan usia peserta dan lamanya kontrak asuransi serta penentuan cadangan manfaat menggunakan metode Zillmer untuk asuransi dwiguna pada kasus joint life. Berdasarkan hasil penghitungan, besar premi akan meningkat seiring meningkatnya usia peserta saat memulai asuransi dan akan menurun seiring meningkatnya lama kontrak asuransi. Cadangan manfaat pada asuransi dwiguna joint life dengan metode Zillmer nilainya terus naik setiap tahun hingga bernilai manfaat yang harus dibayarkan pada akhir kontrak asuransi. Semakin kecil selisih nilai premi tahun ke-2 sampai tahun ke-n dengan premi tahun pertama maka nilai cadangan manfaat yang dihasilkan akan semakin besar., Joint life insurance is multi life insurance with benefits that will be paid if one of the insured dies. This scientific paper discusses the determination of the annual premiums based on the age of the participant at the start of insurance and the duration of the insurance contract and the determination of benefit reserves using the Zillmer method for endowment joint life insurance. Based on these calculations, the annual premiums increase over the increasing of the age when the participants start the insurance and decrease over with the increasing term of the insurance contract. The benefit reserve on endowment joint life insurance using the Zillmer method, continues to increase in value every year until it is worth the benefits that must be paid to the end of the insurance contract. The smaller the difference between the premium value of the second year to the n th year with the first year’s premium value, the greater the value of the resulting benefit reserve will be.
Keyword: joint life insurance, endowment insurance, benefit, reserves, Zillmer methods, annual premium

Judul: Penghitungan Cadangan Manfaat Asuransi Jiwa Joint Life Seumur Hidup dan Endowment Menggunakan Metode Fackler
Abstrak: Asuransi adalah bentuk perjanjian antara dua belah pihak, yaitu pihak tertanggung dan pihak penanggung, di mana tertanggung membayar sebuah iuran kepada penanggung demi mendapatkan bentuk ganti rugi atas risiko finansial yang dapat terjadi secara tak terduga. Asuransi joint life merupakan salah satu jenis asuransi jiwa multilife yang pembayaran preminya dilakukan sampai kematian pertama peserta asuransi. Karya ilmiah ini membahas penentuan cadangan manfaat asuransi joint life seumur hidup dan asuransi joint life endowment menggunakan metode Fackler. Berdasarkan hasil analisis, dengan suku bunga dan besar manfaat yang sama didapatkan nilai cadangan manfaat asuransi joint life seumur hidup meningkat setiap tahunnya dan pada tahun terakhir nilai cadangan manfaatnya bernilai nol. Pada asuransi joint life endowment nilai cadangan manfaatnya meningkat setiap tahun hingga pada tahun terakhir nilainya sama dengan besar manfaatnya., Insurance is a form of agreement between two parties, namely the insured and the insurer, in which the insured pays a contribution to the insurer in order to obtain a form of compensation for financial risks that can occur unexpectedly. Joint life insurance is a type of multi-life life insurance where the premium payments are made until the first death among the insured participants. This scientific paper discusses the calculation of the reserve for joint life insurance benefits, for whole life joint life insurance and joint life endowment insurance using the Fackler method. Assuming the same interest rate and benefit amount, the result shows that the reserve value for lifelong joint life insurance benefits increases every year and in the final year the reserve value for benefits is zero. For the joint life endowment insurance, the value of the benefit reserve increases every year until the final year where is equal to the benefit amount.
Keyword: benefit reserve, endowment insurance, Fackler method, joint life        insurance, whole life insurance

Judul: Sifat Pulp Campuran antara Pulp Asli Bambu dan Pulp Karton Bekas (Old Corrugated Containers)
Abstrak: OCC was soaked for 7 days and disintegrated afterward. Soda pulping of bamboo was carried out following the pulping parameters of 35% NaOH charge, L/W of 4/1, maximum temperature of 170 oC and total cooking time of 3 hours. Kappa number and pulping yield were determined based on TAPPI T236 cm-85 standard. Bamboo and OCC pulp was bleached following the method of D0ED1D2. Bleached bamboo pulp was beaten up to the freeness of 100, 200, 300, and 400 ml CSF. While that of OCC was up to 400 ml CSF only. The composisitions of bamboo/OCCpulp mixture (B/K) were 0/100, 20/80, 40/60, 60/40, 80/20 and 100/0. Physical and optical properties of pulp mixture were determined based on TAPPI T205 sp-02 standard. The pulp composition of (B/K) 20/80 at freeness level of 400 ml CSF was resulted in the highest strength properties based on Duncan scoring. Pulp beating was able to decrease the composition of bamboo pulp in pulp mixture while retaining the strength properties
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