Judul: Determining Net Single Premium of Reversionary  Annuity for Married Couple with Copula Model
Abstrak: Salah satu contoh produk anuitas multi-life ‘mencakup lebih dari satu orang’ adalah reversionary annuity, yaitu produk anuitas hidup untuk dua orang tertanggung yang pembayaran anuitas akan dimulai setelah salah satu tertanggung yang telah ditentukan di kontrak meninggal terlebih dahulu sampai pihak tertanggung lainnya meninggal juga. Perhitungan premi anuitas tersebut biasanya dilakukan dengan mengasumsikan kebebasan di antara pihak tertanggung. Namun, hal tersebut tidak relevan dengan keadaan sesungguhnya karena pasangan suami istri seharusnya saling terkait kelangsungan hidupnya. Pada karya ilmiah inidipertimbangkan keterkaitan tersebut dengan Frank’s copula pada saat memodelkan sebaran bersamanya yang diasumsikan sebaran marginalnya menyebar Makeham dengan parameter yang diestimasi dari Tabel Mortalitas Indonesia IV 2019. Penerapan copula terjadi pada saat umur suami dan istri menikah. Secara umum, hasil perhitungan premi tunggal bersih dengan sebaran bersama Frank’s copula menghasilkan nilai lebih rendah dibandingkan dengan perhitungan asumsi kebebasan untuk semua kasus penerima manfaat., One of the multi-life annuity products is a reversionary annuity, which is a life annuity product for two insured people. The annuity payment for this product will begin after one of the insured who has been specified in the contract dies first until the other insured dies as well. The calculation of the annuity premium is usually done by assuming independence between the insured parties. However, this is not relevant to the actual situation, because the husband and wife are interrelated with their lives. This undergraduate thesis considered this relationship when modelling the joint distribution using Frank’s copula which the marginal distribution assumed to follow a Makeham distribution with parameters estimated by using the 2019 Indonesian Mortality Table IV. The joint survival distribution modelled by copula was constructed exactly when a husband and wife are married. In general, the results of the calculation of the net single premium with the Frank’s copula produced a lower value than the calculation of the assumption of independence for all beneficiary cases.
Keyword: Frank’s copula, Makeham mortality law, married couple, net single  premium, reversionary annuity

Judul: Calculation of Annual Premiums and Benefit Reserves in Last Survivor Life Insurance using Joe and Clayton Copula Models
Abstrak: Asuransi jiwa last survivor merupakan asuransi yang terdiri dari dua atau lebih orang tertanggung, di mana pembayaran premi akan berakhir ketika terjadi kematian terakhir peserta polis asuransi. Risiko kematian peserta polis asuransi tersebut berpengaruh dalam menentukan besaran premi tahunan dan cadangan manfaat asuransi. Biasanya, risiko kematian pasangan suami istri peserta polis asuransi dianggap saling bebas, namun pada kenyataannya saling berpengaruh. Pada karya ilmiah ini, dilakukan penghitungan premi tahunan dan cadangan manfaat dari asuransi jiwa seumur hidup last survivor untuk pasangan suami istri menggunakan model kebebasan mortalitas dan model ketidakbebasan mortalitas Joe copula dan Clayton copula. Berdasarkan hasil penghitungan, premi tahunan yang dihitung menggunakan model kebebasan mortalitas lebih kecil dibanding menggunakan model ketidakbebasan mortalitas. Begitu pun pada cadangan manfaat, cadangan yang dihitung menggunakan model kebebasan mortalitas lebih kecil dibanding menggunakan model ketidakbebasan mortalitas., Last survivor life insurance is a form of insurance which covers two or more insured persons, in which the premium payment will end when the last person of policyholders dies. The risk of death from policyholders has an effect on determining the amount of annual premiums and benefit reserves from the insurance. Usually, the death risk of married couples are considered to be independent, but in reality are interdependent. On this scientific paper, annual premiums and benefit reserves of last survivor life insurance for married couples are calculated using independent mortality model and interdependent mortality models of Joe copula dan Clayton copula. Based on the calculation results, annual premiums calculated using independent mortality model are smaller in value than the ones using interdependent mortality models. As well as benefit reserves, the benefit reserves calculated using independent mortality model are smaller in value than the ones using interdependent models.
Keyword: Clayton copula, Joe copula, last survivor, life insurance

Judul: Photosensor producing based on ferroelectric material of Ba0,5Sr0,5TiO3 doped by Ferrium Oxide (Fe2O3) on a P-Type Silicon Substate Si (100) applied as a digital camera with a single pixel image sensor
Abstrak: Thin film Ba0,5Sr0,5TiO3 (BST) doped with Fe2O3 was grown on p-type silicon substrate (100) using chemical solution deposition (CSD). It used the solvent 2-methoxyethanol with annealing temperature of 850°C and the doping treatment Fe2O3 of 2.5, 5, 7.5, 10 % of the mass formed BST. Pure BST had the highest absorption of 600 nm of light wavelength. Additions Fe2O3 moves highest absorption in the range of 560 nm. Fe2O3 addition was strengthening thin film sensitivity to the effects of light. In general, doping Fe2O3 10% was result the best absorbance and current-voltage of BST thin film. Electrical properties of thin films BST include dielectric, photoconductivity, and dissipation energy. Based on the current-voltage (I-V) analysis, pure BST and doped BST showed photodiode properties. Dielectric values obtained in the range from 23.32 to 243. Based on electrical conductivity data and energy dissipation, BST thin films have shown photodiode characteristics and are therefore suitable as light sensors. The image sensor in a digital camera is also a light sensor. This BST thin film has been scientifically proven to be a light sensor and also it can be applied as an image sensor. This is a novelty image sensor based on thin film Ba0.5Sr0.5TiO3.
Keyword: barium strontium titanate, thin film, photodiode, image sensor, digital camera