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: 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