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APPLICATION OF THE EQUIVALENCE PRINCIPLE TO THE CALCULATION OF EDUCATION INSURANCE PREMIUMS FOR VILLAGE-OWNED ENTERPRISES (BUMDes)

BAREKENG: Jurnal Ilmu Matematika dan Terapan · Vol. 18 No. 4 (2024) · pp. 2555–2562

DOI
10.30598/barekengvol18iss4pp2555-2562
ISSN
2615-3017, 1978-7227
Published
2024-10-11
Publisher
PATTIMURA UNIVERSITY
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

Program Education plays a vital role in improving human resources. But on the other hand, education costs are not cheap. For this reason, people need to prepare education funds from an early age. One way is to take part in an education insurance program. This is a business opportunity that a village-owned enterprise (BUMDes) can run by offering education insurance services to the public. This research aims to develop and use programming software to calculate education insurance premiums offered by BUMDes. The method used is The Equivalence Principle method. Based on the case study, the premium price calculated using software that has been developed is very competitive – below market price, depending on the interest rate and fees charged.

Collaboration network of the authors

17 authors · 38 co-authorship links · 15 across different organisations

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Udayana University
  • Universitas Muhammadiyah Bulukumba
  • Hasanuddin University
  • Institut Teknologi Bacharuddin Jusuf Habibie
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Syamsuddin ToahaHasanuddin University3
Muhammad Rifki NisardiInstitut Teknologi Bacharuddin Jusuf Habibie2
Hukmah HUkmahUniversitas Muhammadiyah Bulukumba2
Ita FitriaUniversitas Muhammadiyah Bulukumba2
I Putu Winada GautamaUdayana University1
KETUT JAYANEGARAUdayana University1
I KOMANG GDE SUKARSAUdayana University1
I PUTU EKA NILA KENCANAUdayana University1
Alexander Joseph RiadiUdayana University1
Kasbawati KasbawatiHasanuddin University1
M SurianiUniversitas Muhammadiyah Bulukumba1
Harianto HariantoAffiliation unknown1
Suriani SurianiHasanuddin University1
Dian FirmayasariUniversitas Muhammadiyah Bulukumba1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs3.unpatti.ac.id/index.php/barekeng/oai, first harvested 5 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">APPLICATION OF THE EQUIVALENCE PRINCIPLE TO THE CALCULATION OF EDUCATION INSURANCE PREMIUMS FOR VILLAGE-OWNED ENTERPRISES (BUMDes)</dc:title>
	<dc:creator>Widana, I Nyoman</dc:creator>
	<dc:creator>Suciptawati, Ni Luh Putu</dc:creator>
	<dc:creator>Sulma, Sulma</dc:creator>
	<dc:description xml:lang="en-US">Program Education plays a vital role in improving human resources. But on the other hand, education costs are not cheap. For this reason, people need to prepare education funds from an early age. One way is to take part in an education insurance program. This is a business opportunity that a village-owned enterprise (BUMDes) can run by offering education insurance services to the public. This research aims to develop and use programming software to calculate education insurance premiums offered by BUMDes. The method used is The Equivalence Principle method. Based on the case study, the premium price calculated using software that has been developed is very competitive – below market price, depending on the interest rate and fees charged.</dc:description>
	<dc:publisher xml:lang="en-US">PATTIMURA UNIVERSITY</dc:publisher>
	<dc:date>2024-10-11</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs3.unpatti.ac.id/index.php/barekeng/article/view/13087</dc:identifier>
	<dc:identifier>10.30598/barekengvol18iss4pp2555-2562</dc:identifier>
	<dc:source xml:lang="en-US">BAREKENG: Jurnal Ilmu Matematika dan Terapan; Vol 18 No 4 (2024): BAREKENG: Journal of Mathematics and Its Application; 2555-2562</dc:source>
	<dc:source>2615-3017</dc:source>
	<dc:source>1978-7227</dc:source>
	<dc:source>10.30598/barekengvol18iss4year2024</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs3.unpatti.ac.id/index.php/barekeng/article/view/13087/8901</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 I Nyoman Widana, Ni Luh Putu Suciptawati, Sulma Sulma</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>