Judul: Pendugaan sebaran lama perawatan nasabah asuransi
Abstrak: Health insurance is an insurance product that guarantees health care costs for customers. One of the products is designed specifically for elderly (over 55 years). The elderly often get health problems, because of them often reduce human organs function. This will affect to the increasing claims of customers. Knowledge about the distribution of claims is very important for insurance companies. Kind of claims in this research is length of treatment. Furthermore to study the behavior of the claims may also be used as a model to predict the cost of insurance in the following years. The main purpose of this research is to estimate the costumers claims distribution of P.T. Asuransi Jiwa Bringin Jiwa Sejahtera, as an insurance company that held a special health insurance elderly. Another purpose is to analyze the relationship between groups of the elderly disease with the distribution length treatment of healthy insurance. The data used in the research is length treatment data which collected from 2002 until April 2010 by P.T. Asuransi Jiwa Bringin Jiwa Sejahtera. The length treatment was estimated by discrete, continuous and mixture distribution. The methods that used for test goodness of fit distributions such as quantile-quantile plot, Cramer-van Mises, and chi-square test. The result showed that the fit costumers claims distribution with 8 groups is mixture lognormal distribution.
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Judul: Analisis Kepuasan Nasabah Asuransi Kesehatan PT. Central Asia Raya
Abstrak: PT. Central Asia Raya (PT. CAR) as one of the insurance companies with asset and premium income the highest namely 15 large of 44 companies the insurance. Innovative products to meet customers' needs continue to launch one of which is health insurance products, which are intended for individuals who want to secure their health. Since the year 2010, number insurance customers of health in PT. CAR experiencing penurunan.Tahun 2009 the number of customers' is a number of 220. In 2010 as many as 178, and in 2011 to 132. In an effort maintain its existence in the market, PT. CAR need to know the how much the level of satisfaction its customers against waiters who given. Through this study, companies can obtain information on the attributes desired by consumers and look at its performance in meeting these attributes, so that in the future may provide input to improve and enhance consumer satisfaction. Destination who want to be achieved from this research is (1) Identifying characteristics insurance clients health PT. CAR, (2) Analyzing the level of of satisfaction insurance clients health PT. CAR, (3) Analyze the relationship characteristics of customers to customer satisfaction customer health insurance PT. CAR. Sampling was conducted using convenience sampling, a number of 60 respondents. The method used to analyze data on the quality level of customer satisfaction health insurance PT. CAR is a method of Importance and Performance Analysis. This method determines whether or not the attributes considered important by consumers, and whether the attributes satisfy the consumer or not, so that priorities can increase performance for each attribute. Based on the results of the IPA CSI, insurance PT. Central Asia Raya need improvement or performance improvement on accuracy attributes provide solutions and services with established procedures and policies. To enhance or improve the performance of insurance should the management of PT. Central Asia Raya revisit to the customer services and claims.
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Judul: Heterologous Expression Of Endo-Β-Xylanase From Bacillus Pumilus Strain Bcrs-01 In Escherichia Coli.
Abstrak: Xylanases are glycoside hydrolase family 11 which depolymerise xylan in the plant cell wall, the most excessive form of hemicellulose. Endo-β-xylanases (EC 3.2.1.8) are most important to breakdown β-1,4-glicoside bond of xylan to produce disaccaride xyloolygosaccaride (XOs) and xylose (monomer). Bovine rumen fluids have potential to obtain endo-β-xylanase produced of bacteria. The objectives of this study were to obtain xylanase producing bacteria and to express xynA gene encoding endo-β-xylanase from bacterium in Escherichia coli. Twenty nine isolate bacteria have been succesfully isolated from bovine rumen fluid in agar medium containing birchwood xylan. Isolate BCRS-01 bacterium was previously screened for the high production of xylanase. Based on 16S rRNA gene sequence analysis, BCRS-01 showed high similarity (99%) to Bacillus pumilus (accession number NR043241). The crude xylanase had optimal activity at 55oC, pH 7.0. Furthermore, the crude xylanase exhibited broad pH stability from 4.0 to 10.0 and remained more than 60% and 40% of its activity after incubation at pH 4.0 until 10.0, respectively for 60 min. It also showed a stability at temperature 25-50oC since it retained 80% and 50% of its activity when incubated at 50oC or 30 and 60 min, respectively. The xylanase activity was strongly inhibited by Ca2+ and Cu2+ at concentration 10 mM, and as little as 1 mM for Mn2+. Therefore, this xylanase has potentially used as additive feeds in animal feed industry. The DNA sequence xynA gene encoded endo-β-xylanase was amplified and cloned into the expression vector pET-15by under the control of T7 promoter. The recombinant protein had succesfully expressed in Escherichia coli BL21 (DE3) pLysS. A protein recombinant of approximately, 26.7 kDa was observed on the SDS-PAGE analysis. Crude extract of recombinant endo-β-xylanase demonstrated activity of enzyme at 56 U mL-1 using birchwood xylan as a substrate at 55oC for 10 min.
Keyword: Bacillus pumilus, bovine rumen fluid, endo-β-xylanase, heterologous expression.