Abstract:Fractional premium schemes in life insurance generally follow two main approaches: True Fractional Premiums, which are easy to implement but less fair to policyholders who die mid-period, and Apportionable Fractional Premiums,…
miums, which are more actuarially fair but administratively more complex. This study designs a Hybrid Fractional Premiums model that combines both approaches through a weighted linear combination using parameter , based on the 2023 Indonesian Mortality Table (TMPI), a 5% interest rate, a 10-year coverage period, and monthly premium payments. This descriptive quantitative study applies actuarial mathematics, covering the present value of insurance benefits, true fractional, apportionable fractional, and hybrid annuity factors, up to premium determination using the equivalence principle. The results show that the hybrid premium consistently lies between the true fractional and apportionable premiums, increases sharply with the insured's age, and is higher for males than females due to differences in mortality rates. Changes in the value of have a linear effect on the premium, although the impact is relatively small (a difference of less than IDR 200 per month). The hybrid model with is recommended as the optimal balance between actuarial fairness and ease of implementation, offering a more flexible alternative for premium determination in Indonesia's life insurance industry.
Abstract:Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan literasi sains digital, kreativitas, dan kemampuan berpikir kritis siswa melalui pelatihan berbasis Science, Technology, Engineering, and Mathematics (STEM)…
) di MA Pergis Ganra. Program dilatarbelakangi oleh rendahnya pemanfaatan teknologi digital sebagai media pembelajaran sains serta masih dominannya metode pembelajaran konvensional. Metode pelaksanaan meliputi tahap sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta keberlanjutan program. Pelatihan melibatkan 80 siswa dengan pendekatan pembelajaran aktif melalui ceramah, diskusi, praktik, dan pemecahan masalah kontekstual. Luaran yang diharapkan adalah meningkatnya kemampuan literasi sains digital, kreativitas, kemampuan berpikir kritis, serta pemanfaatan teknologi digital secara produktif dalam pembelajaran sains. Program ini juga mendukung implementasi MBKM dan penguatan kompetensi abad ke-21.
Abstract:Penelitian ini bertujuan menganalisis bentuk sinergi budaya humanis Tzu Chi dan pendidikan akhlak dalam pembelajaran matematika, mengidentifikasi strategi guru dalam mengintegrasikan nilai-nilai humanis dan akhlak melalui…
i pendekatan Realistic Mathematics Education (RME), serta mendeskripsikan tantangan implementasi beserta strategi penyelesaiannya pada konteks sekolah dasar multikultural. Penelitian menggunakan pendekatan kualitatif dengan paradigma interpretatif yang dilaksanakan di SD Tzu Chi Jakarta Utara. Informan penelitian terdiri atas guru matematika kelas VI, Kepala Departemen Matematika, dan peserta didik kelas VI yang dipilih secara purposif. Data dikumpulkan melalui observasi partisipatif, wawancara mendalam, dan studi dokumentasi, kemudian dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña melalui kondensasi data, penyajian data, serta penarikan kesimpulan yang divalidasi dengan triangulasi sumber, triangulasi metode, dan member checking. Hasil penelitian menunjukkan bahwa sinergi budaya humanis dan pendidikan akhlak terwujud melalui konvergensi nilai Gan En dengan syukur, Zun Zhong dengan tasamuh, serta Ai Xin dengan mahabbah yang diimplementasikan secara inklusif dalam pembelajaran matematika berbasis RME. Strategi guru meliputi penyajian masalah kontekstual, proses matematisasi bertahap, diskusi kolaboratif, dan refleksi nilai sehingga pembelajaran tidak hanya meningkatkan pemahaman matematis, tetapi juga membentuk karakter humanis dan tanggung jawab sosial peserta didik. Tantangan implementasi meliputi keterbatasan waktu pembelajaran dan kompleksitas materi matematika, yang diatasi melalui perencanaan pembelajaran kolaboratif dan pengembangan activity sheet berbasis konteks nyata. Penelitian ini berkontribusi pada pengembangan model integrasi budaya humanis, pendidikan akhlak, dan pembelajaran matematika berbasis RME pada sekolah dasar multikultural.
Abstract:Spent coffee grounds are one of the organic wastes that remain underutilized despite their significant potential to be transformed into value-added products. This community service program aimed to enhance the knowledge…
and practical skills of the residents of Jingkang Village in converting spent coffee grounds into aromatherapy candles and air fresheners based on the principles of the circular economy. The program employed a Participatory Action Research (PAR) approach consisting of problem identification, program planning, training implementation, monitoring and evaluation, and reflection. The activity involved 15 participants, including community members, micro-enterprise actors, and women's community groups. Program effectiveness was evaluated using pre-test and post-test assessments and analysed through a Paired Sample t-test. The results demonstrated that the average participant score increased from 46.70 to 86.00, representing an 84.15% improvement. Statistical analysis confirmed a significant difference between pre-test and post-test scores (p < 0.001). Furthermore, all program success indicators were achieved, including a 100% attendance rate, 100% participant competency in producing the products, a participant satisfaction level of 93.30%, and all products meeting usability standards. The novelty of this program lies in integrating the Participatory Action Research (PAR) approach, circular economy principles, and quantitative statistical evaluation into a community empowerment model utilizing spent coffee grounds as value-added products. This model has strong potential to be replicated in other coffee-producing communities to promote sustainable waste management and local economic development.
Abstract:Perkembangan pesat teknologi Artificial Intelligence (AI) telah mengubah lanskap pendidikan tinggi secara signifikan, terutama dengan hadirnya tutor virtual berbasis AI yang mampu memberikan umpan balik cepat, tepat, dan…
personal. Analisis Real merupakan salah satu mata kuliah yang paling menantang dalam program pendidikan matematika karena sifat abstraknya sering menyebabkan rendahnya self-efficacy mahasiswa. Penelitian ini bertujuan menganalisis pengaruh pemanfaatan AI sebagai tutor virtual terhadap self-efficacy mahasiswa Pendidikan Matematika Universitas Asahan yang menempuh mata kuliah Analisis Real. Penelitian menggunakan pendekatan kuantitatif dengan desain quasi-experimental one-group pretest-posttest, melibatkan 15 mahasiswa yang dipilih melalui purposive sampling. Instrumen angket self-efficacy dikembangkan berdasarkan tiga dimensi Bandura (magnitude, strength, generality), divalidasi melalui expert judgment dengan Cronbach’s Alpha sebesar 0,84. Hasil analisis deskriptif menunjukkan peningkatan rata-rata skor self-efficacy dari 65,67 (pre-test, kategori sedang) menjadi 79,93 (post-test, kategori tinggi), dengan peningkatan sebesar 21,7%. Uji Wilcoxon Signed-Rank Test menghasilkan nilai Z = −3,408 dengan p-value = 0,001 (p < 0,05), yang mengkonfirmasi terdapat perbedaan signifikan self-efficacy mahasiswa sebelum dan sesudah intervensi enam minggu menggunakan AI tutor virtual.
The rapid development of Artificial Intelligence (AI) technology has significantly transformed higher education, particularly through AI-based virtual tutors capable of providing fast, precise, and personalized feedback. Real Analysis, one of the most challenging mathematics education courses, frequently causes low self-efficacy among students due to its abstract nature and demands for formal proof-writing. This study examines the effect of utilizing AI as a virtual tutor on self-efficacy of mathematics education students at Universitas Asahan. A quantitative quasi-experimental one-group pretest-posttest design was employed with 15 students selected via purposive sampling. The self-efficacy questionnaire was based on Bandura’s three dimensions: magnitude, strength, and generality, validated by expert judgment with Cronbach’s Alpha coefficient of 0.84. Descriptive analysis results showed an increase in mean self-efficacy scores from 65.67 (pre-test, moderate category) to 79.93 (post-test, high category), representing a 21.7% improvement. The Wilcoxon Signed-Rank Test yielded Z = −3.408 with p-value = 0.001 (p < 0.05), confirming a significant difference in student self-efficacy before and after the six-week AI virtual tutor intervention.
Abstract:Problem-solving ability is a skill that every individual must possess. Mathematical problem-solving is one of the skills that must be mastered in everyday life. This research aims to develop interactive learning media based…
sed on PBL to enhance students' mathematical problem-solving abilities. This research uses the Design and Development (D&D) method with the ADDIE model (Analysis, Design, Development, Implementation, and Evaluation). The data collection technique in this study used a questionnaire with a Likert scale. The research results indicate that the PBL-based interactive media is suitable for use, with validation from subject matter experts at 97.2%, media experts at 97.6%, and product trials at 87.5%. The improvement in problem-solving skills was also measured through the N-Gain test, with an N-Gain result of 1, indicating a high criterion. The improvement in students' mathematical problem-solving skills increased after using PBL-based interactive media. This demonstrates the importance of media in delivering education. Media designed according to students' needs effectively and efficiently can enhance students' interest, motivation, and understanding in learning.
Abstract:The background of the research is that students tend to be passive and afraid, and boring so that there is a lack of interest in learning students. The study aims to apply the Think Pair Share (TPS) model to improve students'…
ents' interest in learning Mathematics in class V of Elementary School 001/IX Sengeti. The type of research is Classroom Action Research. The Action Model consists of 4 stages, namely planning, action, observation and reflection. The study was conducted in 2 cycles, cycle I as many as 2 meetings and cycle II was conducted in 2 meetings. Data collection in the form of teacher and student observation sheets and questionnaires. The results of the analysis of teacher observations in cycle I obtained a score of 72.05% and cycle II 90.43% in the very high category. While the results of the analysis of student observations in cycle I obtained a score of 72.5% and cycle II 90% in the very high category. Then the results of the analysis of student questionnaires obtained a score of 90% in the very high category. It can be concluded that the application of the Think Pair Share learning model can improve students' interest in learning
Abstract:Pengabdian masyarakat "Mengapai Cita" bertujuan untuk membantu siswa dalam mengidentifikasi dan mengatasi berbagai hambatan yang mungkin mereka hadapi dalam melanjutkan pendidikan, seperti masalah keuangan, kekhawatiran…
tentang beban akademik, tekanan sosial, serta strategi untuk mengatasi tantangan tersebut. Melalui program ini, siswa diharapkan dapat mengembangkan motivasi untuk merencanakan langkah-langkah konkret dalam mencapai cita-cita mereka, termasuk memahami pendidikan yang perlu dijalani dan keterampilan yang perlu dikembangkan. Manfaat yang diharapkan dari kegiatan ini antara lain adalah membantu siswa membangun rasa percaya diri dengan mendengarkan kisah inspiratif dari para pembicara yang telah berhasil mencapai tujuan hidup mereka. Selain itu, program ini juga bertujuan untuk memberikan arah yang jelas, meningkatkan motivasi, serta membekali siswa dengan pengetahuan dan kepercayaan diri yang diperlukan untuk meraih cita-cita mereka di masa depan.
Abstract:Masa remaja awal merupakan periode penting dalam pembentukan karakter, sehingga diperlukan pembinaan yang mampu mengembangkan aspek moral, spiritual, dan sosial secara seimbang. Salah satu bentuk pembinaan spiritual dalam…
m tradisi Kristen adalah kebiasaan membaca Alkitab yang diyakini berperan dalam membentuk perilaku positif. Penelitian ini bertujuan untuk menganalisis pengaruh kebiasaan membaca Alkitab terhadap perilaku positif pada remaja awal di Pusat Pengembangan Anak (PPA) Oemathonis Efata Soe. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Populasi penelitian berjumlah 30 remaja berusia 15–18 tahun, yang seluruhnya dijadikan sampel melalui teknik sampling jenuh. Pengumpulan data dilakukan menggunakan angket yang telah memenuhi kriteria validitas dan reliabilitas, kemudian dianalisis menggunakan regresi linear sederhana dengan bantuan SPSS versi 30. Hasil analisis menunjukkan bahwa instrumen penelitian memiliki tingkat reliabilitas yang sangat tinggi dengan nilai Cronbach's Alpha sebesar 0,988. Analisis regresi menghasilkan koefisien korelasi (R) sebesar 0,851 yang menunjukkan hubungan sangat kuat antara kebiasaan membaca Alkitab dan perilaku positif. Nilai koefisien determinasi (R²) sebesar 0,724 mengindikasikan bahwa kebiasaan membaca Alkitab memberikan kontribusi sebesar 72,4% terhadap pembentukan perilaku positif, sedangkan 27,6% sisanya dipengaruhi oleh faktor lain di luar penelitian. Uji hipotesis juga memperlihatkan nilai signifikansi 0,000 (p < 0,05), yang membuktikan bahwa kebiasaan membaca Alkitab berpengaruh positif dan signifikan terhadap perilaku positif remaja. Temuan ini menunjukkan bahwa pembiasaan membaca dan merenungkan firman Tuhan secara konsisten dapat memperkuat pembentukan karakter, seperti kejujuran, tanggung jawab, disiplin, empati, kasih, dan kepedulian sosial. Oleh karena itu, kebiasaan membaca Alkitab perlu terus dikembangkan melalui keluarga, gereja, sekolah, dan lembaga pembinaan sebagai bagian dari upaya membentuk karakter remaja yang berlandaskan nilai-nilai Kristiani.
Abstract:Efforts to improve the quality of human resources are carried out through learning activities. The learning that is expected is learning that can explore self-potential so that quality improvement can be realized. In learning…
rning there are learning models and methods. In this study, the learning carried out applies the direct learning model and the Kumon method. This descriptive study aims to describe the management of learning carried out by teachers in implementing direct learning models with the Kumon method, student activities during the learning process, student learning outcomes after the learning is implemented and student responses to learning and carried out at SMAN-1 Krian with the subjects of the study being students of class XI IPA 6 and mathematics teachers of class XI IPA 6. The results of the study are that the management of learning carried out by teachers is included in the good criteria, namely with a score of 3.03, student activities that are desired during the learning process other than irrelevant activities appear with a percentage of 90.09% with the dominant activity being listening / paying attention to the teacher's explanation, student learning outcomes in this study are out of 34 students, 31 students completed and 3 students did not complete. Classically, students completed with a percentage of 91.18%, the students' response to this learning was positive, namely out of 34 students, 75% expressed a positive response to the learning.