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:Romantic relationships are one form of interpersonal relationship that can influence the emotional and psychological conditions of university students. Romantic relationships can provide emotional support, comfort, attention,…
tion, a place to share problems, and motivation. However, problems within romantic relationships, such as lack of communication, dishonesty, betrayal, and lack of family approval, can also become sources of emotional and psychological pressure. This study aims to describe the dynamics of romantic relationships and their impact on the mental health of UIN Palopo students. This study employed a qualitative method with a descriptive approach. The informants consisted of four UIN Palopo students selected using purposive sampling. The informants consisted of one male student and three female students from the Islamic Guidance and Counseling, Islamic Religious Education, and Islamic Education Management study programs, all of whom were eighth-semester students. Data were collected through observation, interviews, and documentation. Data were analyzed through data reduction, data presentation, and conclusion drawing. The results showed that the dynamics of romantic relationships experienced by students developed through several stages, namely introduction, emotional closeness, commitment, conflict, and the end of the relationship. Communication, attention, trust, openness, and emotional attachment were important elements in the development and maintenance of relationships. Romantic relationships had positive impacts in the form of emotional support, comfort, attention, a place to share stories and problems, and increased motivation. Meanwhile, negative impacts included sadness, disappointment, feelings of loss, stress, anxiety, frustration, mood changes, difficulty regulating emotions, decreased appetite, loss of motivation, and reduced social interaction. Thus, romantic relationships can have both positive and negative impacts on students' mental health depending on the dynamics and experiences that occur within the relationship.
Abstract:Village infrastructure development planning often faces challenges in determining priorities due to limited budget allocations and assessment mechanisms that still tend to be subjective. This study aims to build an objective,…
tive, transparent, and measurable Decision Support System (DSS) to determine the priority order of infrastructure development proposals in Asam Jawa Village, Torgamba District. The applied solution integrates the Rank Order Centroid (ROC) method to calculate criteria weighting based on relative importance, and the Simple Additive Weighting (SAW) method to process the alternative ranking calculation. The evaluation was conducted on 23 physical infrastructure proposals using four main criteria: urgency level (C1), physical condition (C2), benefits (C3), and population size (C4). The results indicate that alternative A4 (Construction of Borehole Well and Public Toilet at Field) and alternative A18 (Sejahtera Street Concrete Cast) achieved the highest preference score of 1.000000, followed by other infrastructure proposals in a structured manner. The combined use of ROC and SAW methods is proven to be effective and consistent in generating accurate rural development priority rankings. The integration of these two methods facilitates village government officials in making accountable decisions while minimizing cognitive bias risks in optimizing development budget allocation.
Abstract:Level design is one of the key components in determining the gameplay experience in 2D platformer games. However, manual level design is time-consuming and difficult to scale. Graph theory can be used to represent the abstract…
stract structure of a level, with nodes as spatial units and edges as paths connecting those spaces. The problem is that this graph structure cannot always be directly translated into a valid and playable physical layout due to platformer constraints, such as jump height, safe distance, and gravity. This research proposes a chunk-based transformation approach, in which each graph node is represented as a fixed-size level chunk containing a platform layout, obstacles, and entry and exit points. The transformation of the graph into a physical level is carried out through the selection, arrangement, and alignment of chunks based on the graph’s topology. This study aims to design a framework for transforming an abstract graph G=(V,E) into a chunk-based 2D platformer level layout. The method used is qualitative-descriptive, involving the formulation of a graph model, rules for mapping and arranging chunks, and playability criteria. The results of the study reveal three main stages: mapping vertices to corresponding chunks, arranging chunks according to the graph’s structure, and validating reachability using an automatic path-finding agent.
Abstract:Drug abuse is a problem that can be influenced by various interrelated factors. This study aims to apply Mamdani Fuzzy logic in predicting the level of drug abuse in Padang City based on several factors obtained from documentation…
umentation and interviews. The input variables used consist of the Age of the Perpetrator, Environment, Socializing, Gender, and Family, while the output variable is the Level of Drug Abuse with Low and High categories. The research stages include data collection, determining variables and fuzzy sets, fuzzification, forming if-then rules, inference using the minimum operator, composition using the maximum operator, and defuzzification using the centroid method. A total of 64 fuzzy rules are used to connect the combination of input variables with the output. Testing is done through manual calculations and implementation using MATLAB. The test results show that the output categories from manual calculations and MATLAB are the same in three test data, namely High, High, and Low. These results indicate that the Mamdani Fuzzy method can be used in modeling the level of drug abuse based on the variables used.
Abstract:Dinas Komunikasi dan Informatika Provinsi Jambi masih melaksanakan proses pencatatan dan monitoring barang masuk secara manual menggunakan dokumen administrasi dan aplikasi perkantoran sederhana, sehingga menimbulkan kendala…
dala berupa kesalahan pencatatan, keterlambatan pencarian data, dan kesulitan penyusunan laporan. Penelitian ini bertujuan merancang Sistem Monitoring dan Pengelolaan Barang Masuk Berbasis Web untuk membantu proses pencatatan, monitoring, pencarian, dan pelaporan data barang masuk secara lebih efektif. Metode pengembangan yang digunakan adalah Waterfall, meliputi analisis kebutuhan, perancangan, implementasi, pengujian, dan pemeliharaan, dengan pemodelan menggunakan UML serta basis data MySQL. Hasil penelitian menunjukkan bahwa sistem yang dibangun mampu mempermudah proses pencatatan barang, mempercepat pencarian data, meningkatkan akurasi penyimpanan data, serta menyederhanakan penyusunan laporan secara otomatis.
The Communication and Informatics Office of Jambi Province still records and monitors incoming goods manually using administrative documents and basic office applications, resulting in recording errors, delayed data retrieval, and difficulties in report preparation. This study aims to design a Web-Based Monitoring and Management System for Incoming Goods to support recording, monitoring, searching, and reporting processes more effectively. The system was developed using the Waterfall method, covering requirements analysis, design, implementation, testing, and maintenance, modeled with UML and a MySQL database. The results show that the developed system simplifies the recording of goods, accelerates data search, improves data storage accuracy, and streamlines automatic report generation.
Abstract:This study is motivated by a fundamental problem concerning how the character-education values contained in the book of Akhlāq Lil Banīn can be implemented consistently and meaningfully within Arabic language learning, amid…
amid an intense schedule, a diversity of methods, and the gap between the readiness of learners and educators in the boarding environment. This study aims to analyze and describe the implementation of character-education values from the book of Akhlāq Lil Banīn in Arabic language learning activities at the MBS Al Mujahidin Islamic Boarding School, Gunungkidul, Yogyakarta. The method used is qualitative, with data collected through observation, interviews, and documentation; informants were selected by purposive sampling, and data analysis comprised data reduction, data presentation, and drawing conclusions. The results show that the implementation of character values takes place integratively, intensively, and contextually through a combination of formal school activities and non-formal dormitory activities such as mufrodat, hiwar, muhadhoroh, qirā’ah, muḥādatsah, and integrated Arabic learning. These activities not only develop linguistic competence but also serve as a medium for internalizing religious, disciplinary, responsibility, and social-care values through habituation and role modeling. Challenges were also found in the form of differing prior abilities among learners, a dense activity schedule, and the dynamic assignment of educators, all of which affect the absorption and internalization of values. It is concluded that the success of Akhlāq Lil Banīn-based character education depends heavily on pedagogical adaptation, differentiated learning, and management of the activity rhythm.
Abstract:Background: Joint pain is a common health problem experienced by older adults due to degenerative processes in the musculoskeletal system. This condition can cause limitations in daily activities and decrease quality of…
life. One non-pharmacological therapy that can be used to reduce joint pain is a warm ginger compress because it has anti-inflammatory effects and provides warmth to the painful area. Objective: To determine the effect of warm ginger compress therapy on reducing joint pain levels in older adults. Methods: This study used a descriptive case study design involving two older adults with joint pain in Kampung Guwosari, RT 02/RW 27, Jebres, Surakarta. The intervention was conducted for 3 consecutive days, once daily for 15–20 minutes. Pain levels were measured using the Numeric Rating Scale (NRS). Results: Respondent 1 experienced a decrease in pain scale from 7 to 4, while Respondent 2 experienced a decrease from 4 to 2 after receiving warm ginger compress therapy for 3 days. Conclusion: Warm ginger compress therapy can help reduce joint pain levels in older adults and can be used as a simple, safe, and affordable non-pharmacological therapy.
Abstract:The Qur'an, as the primary source of Islamic teachings, contains legal verses that require in-depth interpretation for proper application, one notable example being Tafsir al-Maraghi by Ahmad Musthafa al-Maraghi, a contemporary…
mporary Egyptian scholar known for his moderate stance and independence from madhhab fanaticism. This study aims to reveal al-Maraghi's typology of ijtihad in interpreting legal verses, identify the legal products he produced, and examine his responses to contemporary legal issues. The research employs a library research method with a descriptive-analytical approach and fiqhi tafsir framework, using Tafsir al-Maraghi as the primary source alongside various ahkam tafsir and fiqh works as secondary sources, analyzed through content analysis and comparative reasoning. The findings show that al-Maraghi developed an integrative ijtihad model combining five typologies, namely bayani, tarjihi, maqashidi, istislahi, and tajdidi, with maqashid al-shari'ah orientation as the most dominant character, spanning worship, marriage, inheritance-testament, transactions, politics, and criminal law. The study concludes that this ijtihad pattern produces moderate, contextual legal interpretations relevant to the development of contemporary Islamic law in Indonesia. Further research is recommended to apply a systematic contemporary maqashid approach.
Abstract:This study aims to analyze the financial management strategies implemented by a local property and real estate company in facing conditions of Volatility, Uncertainty, Complexity, and Ambiguity (VUCA). The study employed…
a qualitative approach with a single-case study design at PT RBP in Tuban Regency. Data were obtained through in-depth interviews with nine informants at strategic, managerial, and operational levels, supported by observation and company documentation. Data were analyzed thematically with the assistance of NVivo, and validity was assessed through source and method triangulation. The findings show that PT RBP implements an adaptive-conservative financial management strategy oriented toward cash-flow stability while maintaining the ability to respond to changes in the business environment. The strategy is realized through the use of internal capital, cash-flow control, phased development, cost monitoring, customer screening, transaction flexibility, and diversification of banks and suppliers. The strategy is reinforced by cross-functional communication and an adaptive organizational culture. The findings indicate that the combination of financial prudence and adaptive capability constitutes an important mechanism for maintaining project continuity, financial stability, and operational resilience amid VUCA pressures.