Judul: Analisis Faktor-Faktor yang Memengaruhi Perolehan Surplus Underwriting pada Asuransi Jiwa Syariah di Indonesia (Periode 2019-2020)
Abstrak: Pada asuransi syariah, jika pada akhir periode terjadi selisih lebih dari total pendapatan asuransi ke dalam dana tabarru’ dikurang beban asuransi yang dikeluarkan, maka akan terdapat surplus underwriting. Suatu perusahaan asuransi syariah yang baik dapat dilihat ketika perusahaan tersebut berhasil memperoleh surplus underwriting, karena perolehan tersebut adalah suatu bukti ketika perusahaan berhasil mengelola dana peserta dengan baik. Surplus underwriting dapat digunakan sebagai cadangan ketika terjadi defisit underwriting atau ketika beban asuransi melebihi pendapatan asuransi, sehingga dapat meningkatkan minat masyarakat untuk berasuransi syariah. Oleh karena itu, penelitian ini bertujuan untuk menganalisis perkembangan surplus underwriting pada asuransi jiwa syariah di Indonesia dan faktor-faktor yang memengaruhinya dengan metode regresi data panel. Hasil estimasi dengan model FEM Robust Standard Error menunjukkan bahwa variabel kontribusi, hasil investasi, total aset, dan PDB berpengaruh secara positif dan signifikan. Sementara itu, variabel klaim dan inflasi berpengaruh secara negatif dan signifikan., In Islamic insurance, if at the end of the period there is a surplus from the substraction result between total insurance income in the tabarru’ fund and insurance expenses, the surplus will be called as underwriting surplus. A good Islamic insurance company can be seen when the company succeeds in obtaining an underwriting surplus, because it is a proof when the company has managed the participant funds well. The underwriting surplus can be used as a reserve fund when an underwriting deficit occurs or when insurance expenses exceed insurance income, thereby it can improve the public interest in Islamic insurance. Therefore, this study aims to analyze the development of the underwriting surplus in Islamic life insurance in Indonesia and the factors that influence it by using panel data regression method. The estimation results using the FEM Robust Standard Error model show that the variables of contribution, return on investment, total assets, and GDP have a positive and significant effect. Meanwhile, the claims and inflation variables have a negative and significant effect.
Keyword: Asuransi jiwa syariah, surplus underwriting, regresi data panel

Judul: Analysis of Internal Factors Affecting Participants Contribution to Sharia Life Insurance (2015-2019 Period)
Abstrak: Perkembangan kontribusi bruto dan klaim bruto asuransi jiwa terjadi peningkatan setiap tahunnya. Namun, berbeda dengan pertumbuhan kontribusi bruto dan klaim bruto asuransi jiwa syariah di Indonesia justru mengalami pertumbuhan yang fluktuatif. Seharusnya pertumbuhan klaim bruto seimbang diikuti dengan kontribusi bruto yang menunjukkan adanya keselarasan antara pertumbuhan kontribusi bruto dengan klaim bruto. Penelitian ini bertujuan mengetahui gambaran umum pertumbuhan dan perkembangan kontribusi peserta pada industri asuransi jiwa syariah di Indonesia dan menganalisis pengaruh biaya operasional, klaim, hasil investasi, dana tabarru’ minimum berbasis risiko (DTMBR), ukuran perusahaan, dan dana tabarru’ berpengaruh terhadap kontribusi peserta asuransi jiwa syariah di Indonesia periode 2015-2019. Penelitian ini menggunakan analisis regresi data panel dengan bantuan software Stata 14. Obyek penelitian ini adalah empat perusahaan full fledge dan 12 unit usaha asuransi jiwa syariah periode 2015 hingga 2019. Hasil penelitian menunjukkan bahwa biaya operasional, klaim, DTMBR, ukuran perusahaan berpengaruh signifikan positif terhadap kontribusi peserta asuransi jiwa syariah., The development of the gross contribution and gross claims of Islamic life insurance has increased every year. In contrast to the growth in gross contribution and gross claims of Islamic life insurance, it has experienced a fluctuating growth. The growth in gross claims should be balanced followed by the gross contribution, which shows an alignment between the growth in gross contributions and gross claims. This study aims to determine an overview of the growth and development of participants' contributions to the sharia life insurance industry in Indonesia and to analyze the effect of operational costs, claims, investment returns, risk-based minimum tabarru funds (DTMBR), company size, and tabarru funds. sharia law in Indonesia for the 2015-2019 period. This study uses panel data regression analysis with the help of Stata 14 software. The objects of this study are four full fledge companies and 12 sharia life insurance business units for the period 2015 to 2019. The results show that operational costs, claims, DTMBR, company size have a significant positive effect. to the contribution of sharia life insurance participants.
Keyword: Sharia Life Insurance, Gross Contribution, Gross Claims, Panel Data

Judul: Hydrothermal Synthesis of Biphasic Calcium Posphate
Abstrak: Biphasio calsium phosphate (BCP), which was a mixture of hydroxypatite (HA) and tricalcium phosphate (TCP), was synthesized by hydrothermal method followed by sintering process. Hydroxyapatite was produced by using natural calcium source CaO from hen's eggshell and (NH4)2HPO4 as phosphate souce, other hydroxyapatite sample was produce by using synthetic calcium source Ca(OH) and H3PO4 as phosphate source.
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