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: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:Fashion sellers on TikTok Shop increasingly rely on live streaming marketing to engage Generation Z consumers, although how well this approach translates into repeat purchases remains underexplored, particularly the extent…
nt to which customer experience functions as a psychological link between the two. This study examines how live streaming marketing influences repurchase intention through customer experience as a mediating variable, focusing on Generation Z fashion consumers who use TikTok Shop in Makassar City. A quantitative design was applied, drawing on a purposive sample of 280 respondents, with data analyzed through SEM-PLS using SmartPLS 4. Findings reveal that live streaming marketing has a positive and significant influence on customer experience, whereas its direct effect on repurchase intention is not significant. Customer experience, in turn, positively and significantly affects repurchase intention and fully mediates the link between live streaming marketing and repurchase intention. These patterns suggest that Generation Z consumers remain skeptical of direct marketing cues and instead give greater weight to personal experience quality when deciding to repurchase. The study extends the Stimulus-Organism-Response framework to the live commerce setting and offers practical guidance for sellers to redirect marketing efforts from promotional intensity toward building immersive, personalized shopping experiences.
Abstract:The issue of nutritional status among toddlers in Aceh Province, particularly in Kuta Baro Subdistrict, remains a serious concern due to the high prevalence of undernutrition and stunting. This study aims to determine the…
e relationship between parenting practices and children’s nutritional status in Kuta Baro Subdistrict. A descriptive-correlational method with a quantitative approach was used. The study population consisted of all 2,132 toddlers in Kuta Baro Subdistrict, with a sample of 96 toddlers selected using simple random sampling. Data on parenting practices were collected via a questionnaire, while nutritional status was measured using the weight-for-age indicator. Data analysis was conducted using a correlation test to determine the relationship between parenting practices and children’s nutritional status. The results indicate a significant relationship between parental child-rearing practices and children’s nutritional status (p=0.000). Positive and attentive child-rearing practices are correlated with optimal nutritional status, whereas inappropriate child-rearing practices are associated with poor to very poor nutritional status. Based on these findings, it is recommended that the Department of Health and educational institutions enhance parenting education and support programs for parents to improve children’s nutritional status in the region. Future research is expected to examine other factors influencing children’s nutritional status using more comprehensive methods.
Abstract:This study aims to evaluate the stability of three rock slopes in an artisanal kaolin mine in Semin, Gunungkidul, Yogyakarta, Indonesia, using deterministic and probabilistic approaches, and to identify the geotechnical…
parameters most influencing slope stability. The evaluation is conducted in compliance with Indonesian Mining Regulation (Kepmen ESDM No. 1827 K/30/MEM/2018) to provide quantitative geotechnical evidence for a mine that has been operated without prior formal geotechnical assessment. Field data were collected using the scanline method to characterize rock mass discontinuities. Laboratory tests comprising direct shear and physical properties tests were conducted to determine cohesion (c), friction angle (ϕ), and unit weight (γ) for each slope. Seismic coefficient (ks = 0,0913) was incorporated as a dynamic loading parameter. Slope stability was analyzed using the General Limit Equilibrium (GLE) method to obtain the deterministic Factor of Safety (FoS). Monte Carlo simulation (N = 10.000 iterations) was applied to determine the Probability of Failure (PoF), coefficient of variation of FoS (CoV), and reliability index (β). Sensitivity analysis was performed to quantify the contribution of each geotechnical parameter to FoS reduction. Results show that FoS values ranged from 2,019 (Slope III) to 10,55 (Slope II), all exceeding the regulatory minimum of 1,1. The PoF was 0,00% for all three slopes, well below the maximum allowable limit of 25%, with reliability indices ranging from 5,70 to 31,38. The CoV of FoS ranged from 3% to 9%, indicating low dispersion in stability outcomes despite parameter variability. Sensitivity analysis identified cohesion as the most dominant parameter in Slopes I and II, contributing 28% and 31% to FoS reduction respectively, while Slope III exhibited near-equal contributions from cohesion (20%) and friction angle (21%), reflecting its lower shear strength conditions. All three slopes satisfy the acceptance criteria of Kepmen ESDM No. 1827 K/30/MEM/2018 under current geotechnical and geometric conditions. The combined deterministic-probabilistic approach provides a more comprehensive slope safety assessment than deterministic analysis alone and is recommended for application in artisanal kaolin mining operations. Cohesion is identified as the critical parameter to be monitored and preserved to maintain slope stability.
Abstract:Pemilihan Ketua Badan Eksekutif Mahasiswa (BEM) merupakan proses penting dalam menentukan mahasiswa yang memiliki kompetensi terbaik untuk memimpin organisasi kemahasiswaan. Namun, proses seleksi yang masih bergantung pada…
da popularitas dan penilaian subjektif berpotensi menghasilkan keputusan yang kurang optimal. Penelitian ini bertujuan membangun Sistem Pendukung Keputusan (SPK) menggunakan metode Multi-Objective Optimization on the Basis of Ratio Analysis (MOORA) untuk membantu proses pemilihan Ketua BEM secara objektif. Data penelitian diperoleh melalui wawancara dengan pembina BEM untuk menentukan kriteria dan bobot penilaian. Lima kriteria yang digunakan meliputi kepemimpinan, kemampuan komunikasi, pengalaman organisasi, integritas, dan indeks prestasi kumulatif (IPK). Tahapan metode MOORA terdiri atas penyusunan matriks keputusan, normalisasi, perhitungan nilai optimasi, dan proses perangkingan. Hasil penelitian menunjukkan bahwa alternatif K1 memperoleh nilai optimasi tertinggi sebesar 0,473 sehingga direkomendasikan sebagai Ketua BEM terpilih. Penerapan metode MOORA mampu menghasilkan proses pengambilan keputusan yang lebih objektif, sistematis, transparan, dan akurat sehingga dapat dijadikan sebagai alat bantu dalam menentukan Ketua BEM berdasarkan kriteria yang telah ditetapkan.
The selection of the Student Executive Board (BEM) President is an important process in determining the most qualified student to lead the student organization. However, conventional selection processes often rely on popularity and subjective judgments, which may lead to less optimal decisions. This study aims to develop a Decision Support System (DSS) using the Multi-Objective Optimization on the Basis of Ratio Analysis (MOORA) method to support a more objective selection process. Research data were collected through interviews with BEM advisors to determine the assessment criteria and their corresponding weights. Five criteria were used, namely leadership, communication skills, organizational experience, integrity, and grade point average (GPA). The MOORA method consists of decision matrix construction, normalization, optimization value calculation, and ranking. The results indicate that candidate K1 achieved the highest optimization value of 0.473 and was therefore recommended as the selected BEM President. The implementation of the MOORA method provides a more objective, systematic, transparent, and accurate decision-making process, making it an effective tool for supporting the selection of the most suitable BEM President based on predetermined criteria.
Abstract:Penggunaan dompet digital yang terus meningkat menghasilkan banyak ulasan pengguna yang dapat dimanfaatkan untuk mengevaluasi kualitas layanan. Penelitian ini bertujuan meningkatkan akurasi klasifikasi sentimen pengguna…
dompet digital menggunakan metode Stacking Ensemble Machine Learning yang mengombinasikan Support Vector Machine (SVM), Multinomial Naïve Bayes (MNB), dan AdaBoost dengan Logistic Regression sebagai meta-learner. Data ulasan diproses melalui tahapan text preprocessing meliputi case folding, cleaning, tokenizing, stopword removal, stemming, dan pembobotan fitur menggunakan TF-IDF. Penyeimbangan data dilakukan dengan SMOTE, sedangkan evaluasi model menggunakan 5-Fold Cross-Validation. Hasil penelitian menunjukkan bahwa model Stacking Ensemble memperoleh akurasi rata-rata 80,55%, lebih tinggi dibandingkan algoritma dasar. Evaluasi menggunakan Confusion Matrix, Classification Report, dan ROC Curve juga menunjukkan peningkatan nilai precision, recall, F1-score, dan kemampuan diskriminasi model. Hasil ini menunjukkan bahwa pendekatan Stacking Ensemble Machine Learning efektif untuk meningkatkan akurasi klasifikasi sentimen pengguna dompet digital serta mendukung evaluasi kualitas layanan berbasis opini pengguna.
The rapid growth of digital wallet usage has generated a large volume of user reviews that can be utilized to evaluate service quality. This study aims to improve the accuracy of digital wallet user sentiment classification using a Stacking Ensemble Machine Learning approach that combines Support Vector Machine (SVM), Multinomial Naïve Bayes (MNB), and AdaBoost with Logistic Regression as the meta-learner. User reviews were processed through text preprocessing stages, including case folding, text cleaning, tokenization, stopword removal, stemming, and TF-IDF feature weighting. Synthetic Minority Over-sampling Technique (SMOTE) was employed to address class imbalance, while model performance was evaluated using 5-Fold Cross-Validation. The experimental results show that the proposed Stacking Ensemble model achieved an average accuracy of 80.55%, outperforming the individual base learners. Furthermore, evaluations based on the Confusion Matrix, Classification Report, and Receiver Operating Characteristic (ROC) Curve demonstrated improvements in precision, recall, F1-score, and the model's discriminative capability. These findings indicate that the proposed Stacking Ensemble Machine Learning approach is effective in improving the accuracy of digital wallet user sentiment classification and can serve as a reliable tool for supporting service quality evaluation based on user opinions.
Abstract:Pariwisata halal di Indonesia menunjukkan perkembangan signifikan, ditandai dengan meningkatnya kebutuhan akan akomodasi yang sesuai dengan prinsip syariah. Hotel syariah hadir sebagai jawaban atas kebutuhan wisatawan muslim…
slim dengan menyediakan fasilitas ibadah, makanan halal, serta desain yang sesuai ketentuan syariah. Penelitian ini bertujuan untuk menganalisis persepsi konsumen terhadap fasilitas dan desain hotel syariah di wilayah Jabodetabek. Penelitian menggunakan pendekatan kuantitatif dengan metode survei, melibatkan 150 responden yang pernah menginap di hotel syariah. Data dikumpulkan melalui kuesioner terstruktur dan dianalisis menggunakan teknik Weighted Mean Score (WMS) untuk mengetahui tingkat penilaian responden pada setiap indikator. Hasil penelitian menunjukkan bahwa pada aspek fasilitas, responden memberikan penilaian sangat tinggi dengan rata-rata skor 4,760 – 4,880. Fasilitas ibadah, termasuk ketersediaan perlengkapan shalat di kamar dan area bersuci, merupakan aspek yang paling diapresiasi. Pada aspek desain, rata-rata penilaian responden berada di atas 4,300, dengan apresiasi tinggi terhadap tata letak yang memperhatikan arah kiblat serta ketiadaan dekorasi berbentuk makhluk hidup. Namun, pemisahan ruang tunggu atau ruang pertemuan pria dan wanita memperoleh skor relatif lebih rendah (4,127). Temuan ini menegaskan bahwa hotel syariah di Jabodetabek telah memenuhi ekspektasi tamu muslim, meskipun masih perlu perbaikan pada aspek diferensiasi gender untuk memperkuat identitas syariah dan meningkatkan daya saing di industri perhotelan.
Abstract:This study aims to determine the influence of public perception on the quality of public services at the Department of Population and Civil Registration (Disdukcapil) of Bogor Regency. The type of research used is descriptive…
ptive quantitative. The population in this study consists of people who carried out administrative services at the Disdukcapil office of Bogor Regency, with a total sample of 100 respondents. Data analysis was conducted using the Weighted Means Score (WMS) method. The results of the study show that: (1) The highest average score from the analysis of public service quality indicators was the indicator related to “technical service requirements at Disdukcapil being easy to understand by the public,” which obtained an average value of 3.50, categorized as good. Another high indicator was “the completion of administrative processes at Disdukcapil on time,” with an average score of 3.55, also categorized as good. Meanwhile, the lowest average score was 3.19, categorized as fairly good, on indicators such as “the public feeling that their security is guaranteed when managing administrative services at Disdukcapil” and “service officers being disciplined in providing services to the community.” (2) The final recapitulation of the analysis across the ten main indicators of public service quality shows that the highest average score was found in the Certainty indicator, with a score of 3.48, categorized as fairly good. On the other hand, the lowest average scores were in the Discipline and Comfort indicators, both with scores of 3.23, also categorized as fairly good. (3) Overall, the average score of all public service quality indicators in this study was 3.34, categorized as fairly good. This indicates that, in general, the public perceives the quality of public services at the Disdukcapil of Bogor Regency to be fairly good. The recommendation given is that Disdukcapil Bogor Regency should further improve the discipline of its officers regarding their presence at the workplace or service counters, as well as their punctuality in serving the community, and also create a more comfortable environment and waiting area for the public accessing services.
Abstract:Stunting is a condition of failure to thrive in children under 5 years of age due to chronic malnutrition, especially in the first 1.000 days of life (HPK), which is apparent after the child is years old, resulting in the…
e child being shorter than thein peers In Purbalingga Regency, the prevalence of stunting in toddlers is 26,8 %, wasting in toddlers is 6,5 %, and underweight in toddlers 16,1%. The prevalence of stunting in Purbalingga Regency remains relatively high, thus requiring affordable and safe local nutritional interventions to support the growth and development of children under five. One of the alternative approaches to address stunting is through the provision of moringa leaf pudding. This study aimed to determine the changes in body weight and height after the administration of moringa leaf pudding in a stunted toddler over a 14-day intervention. This qualitative case study was conducted on a two-year-old stunted toddler (An. M). The intervention consisted of providing 100 grams of moringa leaf pudding every two days (a total of seven servings) over 14 days. Anthropometric measurements were taken at baseline (before intervention), at the seventh meeting, and at the end of the intervention (fourteenth meeting). In addition, observation of pudding acceptance and a brief interview with the family regarding dietary habits were conducted. After receiving moringa leaf pudding every two days for 14 days, the toddler experienced a weight gain of 0.4 kg and an increase in height of 0.9 cm. Observations indicated that the child accepted the moringa leaf pudding well, although mild boredom occurred midway through the intervention. Interviews with the family revealed that the provision of moringa leaf pudding improved the toddler’s appetite, leading to measurable weight and height gains. The provision of moringa leaf pudding every two days for 14 days had a positive effect on increasing body weight and height in this case of a stunted toddler. Therefore, moringa leaf pudding may serve as an alternative nutritional support to improve the growth of stunted children, particularly in regions with a high prevalence of stunting.