Judul: Premium and Reserve Benefits of Term Life Insurance Product for Four Insureds
Abstrak: Asuransi jiwa multi life memiliki dua istilah mengenai status kegagalan dari kumpulan tertanggungnya, yaitu joint life dan last survivor. Keduanya memiliki syarat kegagalan yang berbeda. Kegagalan pada status joint life akan terjadi apabila terjadi kegagalan pada salah satu anggota kelompok, sedangkan pada status last survivor, kegagalan akan terjadi apabila seluruh anggota dalam suatu kelompok mengalami kegagalan. Pada karya ilmiah ini, premi dan cadangan manfaat akan dihitung berdasarkan status kegagalan gabungan last survivor dan joint life dari empat orang tertanggung. Perhitungan premi dilakukan dengan menggunakan metode kesetaraan, sedangkan cadangan manfaat akan dihitung menggunakan metode prospektif dan rataan komposisi dengan menggunakan suku bunga majemuk konstan. Peluang kematian dari masing-masing individu didapatkan dari Tabel Mortalitas Indonesia IV 2019. Premi yang dihasilkan akan semakin meningkat seiring bertambahnya usia masing-masing kelompok., Multi-life insurance has two terms regarding the failure status of the insured group, namely joint life and last survivor. Both have different failure conditions. Failure under joint life status will occur if there is a failure in any one member of the group, while under last survivor status, failure will only occur if all members of the group experience failure. This scientific work calculates premiums and benefit reserves based on the combined failure status of the last survivor and joint life for four insured individuals. Premium calculation is carried out using the equivalence method, while the calculation of benefit reserves will use the prospective method and the mean composition, along with a constant compound interest rate. The mortality probabilities of each individual are obtained from the Indonesian Mortality Table IV 2019. The resulting premiums will increase with the age of each group.
Keyword: asuransi jiwa berjangka, cadangan manfaat, joint life dan last survivor, premi, benefit reserves, joint life and last survivor, premium, term life insurance

Judul: Term Joint-Life Insurance Annual Premiums for Three People with Variation of Interest Rates and Benefits
Abstrak: Salah satu faktor yang memengaruhi perhitungan premi adalah suku bunga. Pada dunia nyata suku bunga dapat bergerak naik, turun, maupun konstan. Penulisan karya ilmiah ini bertujuan untuk melihat perbandingan harga premi asuransi jiwa joint-life berjangka untuk kasus tiga orang dengan variasi suku bunga naik, turun, dan konstan serta variasi manfaat. Asuransi jiwa dengan status joint-life merupakan salah satu jenis asuransi multi-life yang mana kegagalannya ditentukan pada saat kegagalan pertama dari salah satu tertanggung. Status joint-life digunakan dalam penentuan premi yang mana pembayaran premi tidak akan dibayarkan lagi ketika salah satu tertanggung mengalami kegagalan. Terdapat dua nilai manfaat. Manfaat pertama akan diberikan ketika salah satu tertanggung mengalami kegagalan dan manfaat kedua akan diberikan ketika sudah ada dua tertanggung yang gagal., One of the factors that influence premium calculation is the interest rate. In the real world, interests rate can go up, down, or be constant. The aim of this scientific paper is to look at the comparison of term joint-life insurance premiums for the case of three people with varying interest rates up, down, and constant; and various benefits. Life insurance with joint-life status is a type of multi-life insurance, which means the failure is determined at the first failure of one of the insureds. Joint-life status is used in determining premiums where premium payments will not be paid again when one of the insureds fails. There are two benefits. The first benefit will be given when one of the insureds fails, and the second benefit will be given when two insureds have failed.
Keyword: interest rates, joint-life insurance, premium

Judul: Synthesis of Molybdenum Trioxide (MoO3) by Electrochemical Method for Electrochromics Application
Abstrak: Molybdenum trioxide (MoO3) thin films have been deposited on glass substrates by electrochemical method using ammonium heptamolybdate tetrahydrate ((NH4)6Mo7O244H2O). The films were deposited onto glass substrates as the control temperature at 25○C and annealing treatment at 350○C for 30 mins. The MoO3 thin films were investigated by UV-Vis, X-ray diffraction techniques (XRD), Scanning Electron Microscopy (SEM). The JCPDS card show that orthorhombic MoO3 (α- phase) has been formed. Molybdenum trioxide MoO3 formation was also confirmed by JCPDS card no. 35-0609. The SEM photographs revealed that the spherical and rod-like morphology and their grains size increased with increasing of heating temperatures. The measurement results show that the MoO3 thin film prepared at 350°C transmited about 80% of the visible spectrum. The effect of different heat treatments on surface morphology, thickness and optical properties of the films are discussed in this thesis.
Keyword: Institut Pertanian Bogor, Bogor Agricultural University, IPB, Electrophoretics, electrodeposide, electrochromics, electrochromic materials, electrochromic mechanism