Judul: Penentuan Premi dan Cadangan Manfaat Asuransi Jiwa Joint Life dengan Suku Bunga Metode Fuzzy Time Series
Abstrak: Asuransi joint life merupakan asuransi multi life dengan premi yang dibayarkan hingga kematian pertama dari tertanggung. Beberapa faktor yang memengaruhi premi dan cadangan manfaat adalah tingkat suku bunga dan peluang kematian. Karya ilmiah ini membahas penentuan premi tahunan dan cadangan manfaat asuransi joint life berjangka dengan nilai tingkat suku bunga yang terlah diramalkan. Tingkat suku bunga yang digunakan adalah suku bunga BI 7-day Reverse Repo Rate periode April 2016 sampai dengan Desember 2022. Data diramalkan dengan fuzzy time series metode Cheng. Berdasarkan hasil perhitungan, besar nilai premi akan meningkat seiring meningkatnya usia tertanggung saat mulai mengikuti asuransi. Besar premi tahunan pada asuransi joint life berjangka akan semakin meningkat seiring bertambahnya jangka masa pertanggungan. Besar cadangan manfaat pada asuransi joint life berjangka akan bergerak menuju nol mendekati akhir kontrak asuransi. Nilai tingkat suku bunga yang lebih besar akan menghasilkan premi dan nilai cadangan yang lebih kecil., The premium for joint life insurance must be paid up to the insured person's first passing. Interest and mortality rate are a couple of the variables that affect premiums and benefit reserves. This study's goal was to calculate the joint life insurance premium and benefit reserves using forecasted interest rates. The interest rate used is BI 7-day Reverse Repo Rate for the period from April 2016 to December 2022. The data is predicted using Cheng’s methods for fuzzy time series. According to the calculation's findings, the premium amount will rise as the insured person's age at the time of enrollment in insurance rises. The length of the coverage period will affect the annual premium for term life insurance. Towards the conclusion of the insurance contract, joint life insurance benefit reserves will decrease until they reach zero. A lower premium and reserve value will be the result of a higher interest rate.
Keyword: Asuransi jiwa joint life, Cadangan manfaat, Fuzzy time series, Peramalan, Premi

Judul: Penentuan Premi dan Cadangan Manfaat Asuransi Jiwa Joint Life saat Tingkat Bunga Dimodelkan dengan Cox-Ingersoll-Ross (CIR)
Abstrak: Asuransi jiwa joint life adalah salah satu jenis asuransi jiwa untuk beberapa orang. Pada karya ilmiah ini, asuransi jiwa joint life ditujukan kepada tiga orang tertanggung dengan tingkat bunga model Cox-Ingersoll-Ross (CIR). Manfaat dibayarkan setelah tahun kesepuluh jika tidak ada kematian terjadi, kematian pertama, atau kematian kedua pada peserta asuransi. Tujuan dari penelitian ini adalah memodelkan tingkat bunga BI 7-day (Reverse) Repo Rate (BI7DRR) periode September 2016 sampai September 2022 menggunakan model CIR serta melakukan simulasi penghitungan premi bersih dan cadangan manfaat asuransi jiwa joint life berdasarkan Tabel Mortalitas Indonesia 2019 dengan tingkat bunga mengikuti model CIR. Model CIR didiskretisasi dengan metode Euler-Maruyama agar memperoleh bentuk eksplisit dari model CIR. Parameter model tersebut diduga dengan metode regresi Ordinary Least Square (OLS). Model CIR dipergunakan untuk membangkitkan data tingkat bunga serta selanjutnya disimulasikan pada premi bersih dan cadangan manfaat. Hasil menunjukkan bahwa semakin tua peserta saat mendaftar asuransi, maka semakin tinggi pembayaran premi bersih, sedangkan cadangan manfaat semakin rendah., Joint life insurance is a type of insurance policy for multiple people. In this research, joint life insurance is intended for three policyholders with a Cox-Ingersoll-Ross (CIR) interest rate model. Benefits are paid after ten years if no deaths occur, the first death, or the second death among policyholders. The aim of this research is to model the Bank of Indonesia 7-day (Reverse) Repo Rate (BI7DRR) for the period of September 2016 to September 2022 using the CIR model and to simulate the calculation of net premiums and benefit reserves for joint life insurance based on the Indonesian Mortality Table 2019 with an interest rate following the CIR model. The CIR model is discretized using the Euler-Maruyama method to obtain an explicit form of the CIR model. The model's parameters are estimated using the Ordinary Least Square (OLS) regression method. The CIR model is used to generate interest rate data, which is then simulated for net premiums and benefit reserves. The results show that the older the policyholder is at the time of enrollment in insurance, the higher the net premium payment, while the benefit reserve is lower.
Keyword: asuransi jiwa joint life (joint life insurance), cadangan manfaat (benefit reserve), model CIR (CIR model), premi bersih (net premium)

Judul: Identifikasi Isolat Bakteri Tahan Krom(VI) dan Pengujian Aktivitas Enzim Krom(VI) Reduktase
Abstrak: Cr(VI) (chromate) is a toxic, soluble environmental contaminant. A Gram-negative, Cr(VI)-resistant bacterium, has been isolated from effluent of electroplating wastewater treatment reactor. This strain had maximum identity value as high as 96% to Ralstonia pickettii and Ralstonia sp. M2S3. This value indicated that the strain was a species of Ralstonia genera. Because of this reason, the strain was designated as Ralstonia sp. Cr6NS. Ralstonia sp. Cr6NS was able to grow aerobically in 250 ppm Cr(VI) and had Cr(VI) reducing-capacity as high as 4,11 x 10-8μg Cr(VI)/hour/cell. From the study of enzymatic activity, Ralstonia sp. Cr6NS showed the activity of Cr(VI)-reductase both in periplasmic and sitoplasmic content. The highest activity was found in periplasmic matrix. However, the strain seemed not secreting this enzyme to the external medium.
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