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:Adenina, S., & Tamzil, N. S. (2024). Management Of Diarrhea In Children And Its Relation To Stunting. Healthy Tadulako Journal (Jurnal Kesehatan Tadulako, 10(1). Anggraini, D., & Kumala, O. (2022). Diare Pada Anak. Scientific…
entific Journal, 1(4).
Annisa. (2022). Diagnosis Dan Penatalaksanaan Pada Anak Usia 5 Tahun Dengan Diare Akut Tanpa Dehidrasi. Jurnal Penelitian Perawat Profesional, 4(1). Http://Jurnal.Globalhealthsciencegroup.Com/Index.Php/Jppp
Aslan, Iriani, I., & Maryam. (2024). Asuhan Keperawatan Pada Anak Dengan Diagnosa Gangguan Sistem Pencernaan: Diare Di Ruangan Catelia Rumah Sakit Umum Daerah Undata Provinsi Sulawesi Tengah. Jurnal Kolaboratif Sains, 7(5).
Damayanty Syamsul, T., Karim, K., & Mappaoudang, A. (2024). Penanganan Dehidrasi Pada Anak Dengan Diare Akut: Kajian Literatur Tentang Terapi Dan Pendekatan Multidisipliner. Joa : Journal Omicron Adpertisi, 3(1). Https://Jurnal.Adpertisi.Or.Id/Index.Php/Joa
Dinkes Diy. (2026). Jumlah Kasus Penyakit Pada Manusia.
Dwijayanti, Y., Ketut Kencana, I., Gusti Agung Ari Widarti, I., & Gizi Poltekkes Kemenkes Denpasar, J. (2025). Hubungan Tingkat Asupan Protein Zat Gizi Mikro Dan Frekuensi Diare Dengan Status Gizi Balita Di Desa Patas Kecamatan Gerokgak Kabupaten Buleleng. Hubungan Tingkat Asupan Protein…) 54 | Jurnal Ilmu Gizi: Journal Of Nutrition Science, 14(1).
Fanggi, M. C., Riwu, Y. R., & Purnawan, S. (2025). Hubungan Penerapan Perilaku Hidup Bersih Dan Sehat Keluarga Dengan Kejadian Diare Pada Balitadi Puskesmas Tarus Kabupaten Kupang Tahun 2025. Medika Alkhairaat : Jurnal Penelitian Kedokteran Dan Kesehatan, 7(2), 1096–1107.
Fatmawati, Fatimah, S., Stianto, M., & Veronila, S. (2025). Efektivitas Zinc Untuk Atasi Diare Pada Balita. Jurnal Nusantara Medika, 9(2).
Fauziah, D. W., Mulyani, E., Syauqul, E., Haque, A. Fathkil, & Lestari, I. (2025). Evaluasi Penggunaaniantibiotik Pada Pengobatan Diare Dengan Metode Gyssensdi Puskesmas Kota Bengkulu. Jurnal Review Pendidikan Dan Pengajaran, 8(1).
Febrika, A., & Maria Lissanora Fernanda, S. (2025). Penerapan Manajemen Cairan Untuk Mengatasi Ketidakseimbangan Cairan Pada Anak Dengan Gastroenteritis. 10(1), 3123–5913. Https://Jurnal.Akperkesdamsiantar.Ac.Id/Index.Php/Wirasakti/
Gau, A. W., Fahirah Arsal, A. S., & Esa Darussalam, A. H. (2024). Gambaran Penggunaan Antibiotik Pasien Diare Akut Pada Anak Di Puskesmas Maroangin Kota Palopo Tahun 2021-2022. Prepotif : Jurnal Kesehatan Masyarakat, 8(1).
Jeanifer, U. M., Mediawati, A. S., & Somantri, I. (2026). Strategi Implementasi Standar Diagnosis, Intervensi, Luaran Keperawatan Indonesia Terhadap Perawat Di Rumah Sakit: Scoping Review. Jkmk : Jurnal Kepemimpinan Dan Manajemen Keperawatan, 6(1).
Kemenkes. (2022). Manajemen Terpadu Balita Sakit.
Kemenkes. (2024). Survei Kesehatan Indonesia 2023.
Khotimah, N. N., Yuniar, R. V., Puteri, S. E., & Hidayat, A. R. (2026). Efektivitas Dan Efek Samping Penggunaan Suplementasi Zinc Dalam Penatalaksanaan Diare Pada Anak: Literature Review. Jurnal Ilmiah Keperawatan, 12(1).
Kusmayanti, E., Ziah Sibualamu, K., Profesi Ners, P., Graha Edukasi Makassar, Stik., & Artikel Sejarah Artikel, I. (2023). Manajemen Cairan Pada Anak Dengan Diare: Scoping Review. Jurnal Ilmiah Kesehatan Diagnosis, 18, 2302–2531. Https://Doi.Org/10.05.2023
Malasi Tamaela, M., Juwita, H., Syahrir, A., Studi Profesi Ners, P., Amanah Makassar, S., Keperawatan, D., & Kesehatan Kemenkes Gorontalo, P. (2023). Evaluasi Implementasi Keperawatan Pada Anak Diare Dengan Masalah Hipovolemia Di Ruang Perawatan Anak Al-Kautsar Rsud Haji Makassar. Journal Nursing Care, 9(1). Http://Jurnal.Poltekkesgorontalo.Ac.Id/Index.Php/Jnc/Index
Manazir, S., Jamalvi, W., & Jawed, F. (2023). Electrolyte Abnormalities In Children With Diarrhea And Its Association With Inpatient Stay - A Single Centre Study From Karachi, Pakistan. Pakistan Pediatric Journal, 47(2).
Munir, S. (2025). Comparison Of Lactose Containing With Lactose Free Milk In The Management Of Acute Watery Diarrhea - Children Less Than 2 Years Of Age. Journal Of Population Therapeutics & Clinical Pharmacology, 459–465. Https://Doi.Org/10.53555/8c3ttq08
Nurhasanah, U., Ramdini, D. A., & Pardilawati, C. Y. (2025). Efektivitas Penggunaan Zinc Dalam Pengobatan Diare Anak: Studi Literatur. In Jurnal Inovasi Kesehatan Terkini Page | (Vol. 158, Number 2). Https://Journalversa.Com/S/Index.Php/Jiktt
Putri, A., Anugerah, H., Djannatun, T., & Azmi, S. (2026). Suplementasi Zinc Dalam Penatalaksanaan Dan Pencegahan Kekambuhan Diare Pada Balita Menurut Pandangan Islam. Scienntific Journal, 5(2). Http://Journal.Scientic.Id/Index.Php/Sciena/Issue/View/34
Rahayu, N. P. U., Widhiantari, N. P. K., & Kio, A. L. (2020). Hubungan Pola Makan Ibu Terhadap Kejadian Diare Pada Balita Di Banjar Tambak Sari Desa Kapal Kecamatan Mengwikabupaten Badung. Caring : Jurnal Keperawatan, 9(2), 73–78.
Rahmawati, H. (2024). Dampak Terapi Intravena Pada Balita Berdasar Vip (Visual Infusion Phlebitis) Score. Jurnal Ners Dan Kebidanan (Journal Of Ners And Midwifery), 1(2), 160–165. Https://Doi.Org/10.26699/Jnk.V1i2.Art.P160-165
Sagara, V., Aramico, B., Arifin, V. N., Kesehatan, F., Univeristas, M., & Aceh, M. (2023). Faktor Risiko Kejadian Diare Pada Anak Usia 1-4 Tahun Di Wilayah Kerja Puskesmas Batoh Kota Banda Aceh Tahun 2022. Jurnal Kesehatan Tambusai, 4(2).
Sari, K., Nirnasari, M., & Putriani, K. (2024). Pendidikan Kesehatan Dan Pemberian Makanan Tambahan Untuk Penanganan Diare Pada Balita Dengan Formula Bubur Tempe Di Wilayah Puskesmas Sei Jang. 2(1).
Shinta Dewi, B., Soleha, T. U., & Septiani, L. (2024). Eschercia Coli Causes Diarrhea: Pathogenesis, Diagnosis And Management. Medula (Medical Professional Journal Of Lampung), 14(5).
Suhartini, T., Washilah, W., & Hadi, W. N. (2023). Implementasi Standar Diagnosis Keperawatan Indonesia Berdasarkan Aspek Motivasi Kerja, Beban Kerja, Supervisi, Model Kepemimpinan Dan Organisasi, Fasilitas Layananan Terhadap Pendokumentasian Asuhan Keperawatan. Jurnal Keperawatan Muhammadiyah, 8(2).
Unicef. (2026, March 18). Progress In Reducing Child Deaths Slows As 4.9 Million Children Under Five Die In 2024. Unicef.
Who. (2024). Dhiarrhoeal Disease. Who.
Who. (2025). Diarrhoea: Why Children Are Still Dying And What Can Be Done.
Yousuf, M., Khanzada, B., Channa, M. J., Mangi, A. H., & Khan, F. U. (2024). Clinical Assessment And Demographic Insights Of Lactose Intolerance Among Diarrheal Children At Hyderabad, Pakistan. Pakistan Biomedical Journal, 40–44. Https://Doi.Org/10.54393/Pbmj.V7i02.1030
Zhaqila, Q., Ruspandi, S., & Wiedyaningsih, C. (2024). The Effect Of Zinc And Probiotics Supplements In Children Under 5 Years Old With Diarrhea. Indonesian Journal Of Pharmacology And Therapy, 5(2). Https://Doi.Org/10.22146/Ijpther.10289
Abstract:Keterbatasan pemanfaatan lahan pekarangan di Desa Kubu I yang didominasi kawasan kelapa sawit mendorong dilaksanakannya program pengabdian masyarakat berbasis Tanaman Obat Keluarga (TOGA). Program ini bertujuan mengoptimalkan…
alkan potensi pekarangan produktif sebagai sarana edukasi kesehatan dan pemenuhan kebutuhan obat tradisional keluarga. Metode pelaksanaan menerapkan pendekatan Asset-Based Community Development (ABCD) melalui survei potensi, konsolidasi bibit warga secara swadaya, gotong royong pembersihan lahan, hingga sosialisasi interaktif berbasis experiential learning di SDN 004 Desa Kubu I. Hasil kegiatan menunjukkan keberhasilan pembangunan Taman Apotek Hidup Percontohan sebagai laboratorium hidup yang dimanfaatkan sebagai media pembelajaran dan praktik langsung. Keberadaan kebun contoh ini terbukti meningkatkan pengetahuan siswa dan warga sekolah mengenai pemanfaatan tanaman herbal, sekaligus memicu antusiasme masyarakat untuk mereplikasi gerakan penanaman TOGA di pekarangan rumah masing-masing. Kesimpulannya, sinergi partisipatif ini secara efektif mewujudkan kemandirian kesehatan berbasis kearifan lokal serta mendukung pencapaian Sustainable Development Goals (SDGs) 3, 15, dan 17 secara berkelanjutan.
Abstract:Kekerasan terhadap anak, termasuk bullying atau perundungan, masih menjadi masalah sosial yang serius di Indonesia maupun di berbagai negara. Bullying dapat terjadi di lingkungan sekolah, keluarga, maupun masyarakat, dan…
memberikan dampak jangka panjang terhadap kondisi psikologis, sosial, dan akademik anak. Artikel ini membahas pentingnya edukasi anti-bullying sebagai salah satu strategi preventif dalam menekan angka kekerasan pada anak. Pembahasan meliputi konsep dan bentuk bullying, dampaknya terhadap tumbuh kembang anak, faktor-faktor penyebab, serta peran keluarga, sekolah, dan masyarakat dalam mewujudkan lingkungan yang aman bagi anak. Hasil kajian dari berbagai literatur menunjukkan bahwa program edukasi yang melibatkan seluruh elemen masyarakat secara berkelanjutan terbukti efektif dalam menurunkan perilaku bullying dan meningkatkan kesadaran kolektif terhadap pencegahan kekerasan pada anak.
Kekerasan terhadap anak, termasuk bullying atau perundungan, masih menjadi masalah sosial yang serius di Indonesia maupun di berbagai negara. Bullying dapat terjadi di lingkungan sekolah, keluarga, maupun masyarakat, dan memberikan dampak jangka panjang terhadap kondisi psikologis, sosial, dan akademik anak. Artikel ini membahas pentingnya edukasi anti-bullying sebagai salah satu strategi preventif dalam menekan angka kekerasan pada anak. Pembahasan meliputi konsep dan bentuk bullying, dampaknya terhadap tumbuh kembang anak, faktor-faktor penyebab, serta peran keluarga, sekolah, dan masyarakat dalam mewujudkan lingkungan yang aman bagi anak. Hasil kajian dari berbagai literatur menunjukkan bahwa program edukasi yang melibatkan seluruh elemen masyarakat secara berkelanjutan terbukti efektif dalam menurunkan perilaku bullying dan meningkatkan kesadaran kolektif terhadap pencegahan kekerasan pada anak.
Abstract:Micro, Small and Medium Enterprises (MSMEs) are crucial for local economic development, employment absorption and community welfare. However, the success of empowerment programmes in rural regions generally stays at the…
implementation level. This study seeks to examine the implementation of MSME empowerment program in enhancing business independence in Desa Curugciung Kecamatan Cikeusik Kabupaten Pandeglang. The study used a descriptive qualitative design. The collection of data was carried out through observation, semi-structured interviews and documentation with seven informants, including the sub-district head, village head, a BRI officer, the chairperson of the Village Consultative Body, and three MSME actors. Data were evaluated by Miles, Huberman and Saldaña’s interactive approach which consists of data collection, data condensation, data display and conclusion drafting. The findings indicate that the implementation of the MSME empowerment program has not been adequately carried out. Communication on the program at the bureaucratic level was still limited and did not reach the MSME actors to the fullest. Training, mentoring and access to funding were formally provided as resources but not experienced equally by business actors. The commitment of the implementing institutions had not been fully converted into ongoing assistance, while the bureaucratic structure was still more administrative than service-oriented. The results of the study also indicated that the independence of the business of MSME actors is more created via self-initiative, experience and adaptation rather than direct intervention from the empowerment program. The study concluded that the presence of resilient MSMEs in rural areas does not necessarily mean that the policies are well implemented. The essay contributes to the study of public policy implementation in the identification of the gap between the formal empowerment design and the real growth of business independence at the village level.
Abstract:Adolescents represent a high-risk group for HIV/AIDS infection due to limited knowledge of transmission mechanisms and appropriate prevention strategies. Health information exposure plays a critical role in shaping adequate…
ate knowledge as the foundation for preventive behavior. This study aims to determine the level of HIV/AIDS prevention knowledge among adolescent students and to analyze its association with health information exposure. A cross-sectional study was conducted among 189 students at Institut Ilmu Kesehatan Pelamonia in 2026, recruited via random sampling. Data were collected using a structured questionnaire and analyzed using the Chi-square test (α = 0.05). A total of 66% of respondents had sufficient knowledge of HIV/AIDS prevention; however, 48% had never been exposed to related health information. A significant association was found between health information exposure and knowledge level (p = 0.04; OR = 3.4; 95% CI: [complete]). Health information exposure is significantly associated with HIV/AIDS prevention knowledge among adolescent students. Health education institutions should strengthen structured and sustainable HIV/AIDS education programs to prepare students as future health professionals.
Abstract:Mental and spiritual health are crucial aspects of the patient's recovery process in hospitals. In addition to medical treatment, patients also require psychological and spiritual support to help them cope with the various…
us challenges that arise from their illness. This article aims to describe the implementation of Islamic Guidance and Counseling services to strengthen the mental and spiritual health of patients at Padangsidimpuan Indonesian National Armed Forces Hospital. Services provided include spiritual guidance, religious motivation, prayer guidance, individual counseling, and emotional support for patients and their families. Through an Islamic approach, counselors strive to help patients increase their patience, sincerity, optimism, and inner peace in facing their illness and treatment. The results of the service implementation indicate that Islamic Guidance and Counseling contribute positively to patients' psychological and spiritual well-being. Patients who receive support tend to have a better zest for life, lower anxiety levels, and a stronger ability to accept and cope with their health conditions. Furthermore, spiritual guidance activities also help patients maintain their religious practices during treatment, providing a sense of comfort and increasing hope for recovery. The presence of Islamic Guidance and Counseling services in hospitals not only complements existing healthcare services but also plays a crucial role in achieving holistic and humane care. Therefore, strengthening these services requires continued development to optimally support patients' mental and spiritual well-being and improve the overall quality of healthcare.
Abstract:This study aims to analyze the effect of work discipline, compensation, and work environment on employee performance at PT. Pembangunan Teknik Konstruksi. This research employs a quantitative approach using SPSS version…
27 for data analysis. Data were collected through questionnaires, interviews, literature review, and documentation. The population in this study consisted of 103 employees, and the sampling technique used was saturated sampling, resulting in 103 respondents. The results of the study indicate that partially, work discipline has a positive and significant effect on employee performance, and compensation also has a positive and significant effect on employee performance. Meanwhile, the work environment does not have a significant effect on employee performance. Simultaneously, work discipline, compensation, and work environment have a significant effect on employee performance. The findings of this study reveal that work discipline and compensation are the dominant factors in improving employee performance, while the work environment is not the main factor in this research context. Therefore, the company is recommended to focus more on enhancing work discipline and providing fair and appropriate compensation to improve employee performance optimally
Abstract:The current study addresses the impact of entrepreneurial orientation, innovation capability, market orientation, and networking capability on business sustainability in small and medium enterprises (SMEs). The contribution…
ion of SMEs to economic development is important; however, sustainability in these entities can be threatened by resource scarcity and rapidly changing environments in markets. The current study adopts a quantitative approach that entails data collection using a structured questionnaire targeting owners and managers in SMEs. The collected data were analyzed through statistical methods to analyze the relationship among study variables. The results of this study indicate that entrepreneurial orientation, innovation capability, market orientation, and networking capability are positive and influential factors in improving business sustainability in SMEs. Market orientation and innovation capability have higher influences on sustainability in SMEs than other factors since customer-centric approaches and innovation have playing crucial roles in ensuring sustainability in business operations for these entities. This study is an important addition to existing theories since this research adopts an integrated approach within strategic capabilities for improved adaptability and sustainability of SMEs in competitive markets
Abstract:This study aims to analyze the differences in the financial performance of PT Pertamina Geothermal Energy Tbk before and after the disclosure of the fuel adulteration case involving its parent company. This research employs…
oys a quantitative comparative approach using quarterly financial statement data from 2024–2025. The analysis was conducted using descriptive statistics and the Wilcoxon Signed Rank Test. The results show that descriptively, most financial ratios experienced a decline, particularly in profitability and activity ratios, along with a decrease in liquidity and a slight increase in solvency. However, the Wilcoxon test results indicate that these changes are not statistically significant. These findings suggest that despite reputational pressure from the parent company’s crisis, the company’s financial performance remains relatively stable. The limited sample size is also considered a factor influencing the results