Open access Journal
Interval Estimation of Tabarru Fund for Sharia Life Insurance Using Cost of Insurance Calculations
Estimasi Selang Dana Tabarru’ Pada Asuransi Jiwa Syariah dengan Menggunakan Perhitungan Cost of Insurance
Jurnal Matematika, Statistika dan Komputasi · Vol. 20 No. 3 (2024) · pp. 568–579
- ISSN
- 2614-8811, 1858-1382
- Published
- 2024-05-15
- Publisher
- Department of Mathematics, Hasanuddin University
- Language
- en
Abstract
English
Contributions is an amount of funds paid by the insured at the beginning of the period of a sharia life insurance contract. Contribution also constitutes the sum of net contributions with expenses. Net contributions are further categorized as Tabarru' funds obtained based on the Cost of Insurance (COI) method. This research incorporates the influence of interest rate in estimating Tabarru' funds. Assuming a Normal Distribution of interest rate and the Central Limit Theorem for a confidence level, a confidence interval is obtained from the interest rate mean. The research findings indicate that the larger the management costs and the older the insurance participants, the greater the COI value will be. Furthermore, the larger the interest rate value, the smaller the COI value. Consequently, as the interest rate value increases, the Tabarru' funds will decrease, while the management costs increase and the age of the insurance participants rises, the Tabarru’ funds will increase.
Indonesian
Kontribusi dalam asuransi syariah tanpa unsur tabungan hanya terdiri dari dana tabarru’. Dimana dana tabarru’ digunakan untuk membantu peserta asuransi lainnya ketika terjadi risiko. Dalam mengestimasi selang dana tabarru’ digunakan penaksir parameter dengan Metode Maximum Likelihood Estimation (MLE) dan penaksir selang dengan pendekatan Central Limit Theorem. Dalam menentukan besarnya nilai dana tabarru’ pada laki-laki dan perempuan digunakan metode Cost of Insurance (COI), dimana diasumsikan bahwa besarnya biaya pengelolaan bagi perusahaan asuransi syariah sebesar 10%, 30% dan 50%. Pada penelitian ini didapatkan bahwa penaksir selang kepercayaan rataan tingkat suku bunga yang digunakan yaitu rata-rata dari tingkat suku bunga sebesar 5,4912. Sehingga, didapatkan estimasi selang kepercayaan 95% dari tingkat suku bunga berada pada interval. Hasil penelitian yang didapatkan dengan menggunakan TMI IV 2019 dari perempuan dan laki-laki menyatakan bahwa besarnya dana tabarru’ untuk perempuan lebih kecil dibanding laki-laki dan semakin besar biaya pengelolaan semakin besar nilai dari dana tabarru’.
Keywords
Collaboration network of the authors
37 authors · 126 co-authorship links
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- Sriwijaya University
- Affiliation unknown
- Different organisations
- Same organisation
- Affiliation unknown
- Thicker line = more joint articles · bigger circle = more articles
Show as table
| Co-author | Organisation | Joint articles |
|---|---|---|
| Indrawati Indrawati | Sriwijaya University | 1 |
| Sitti Wirdhana Ahmad | Affiliation unknown | 1 |
| Anggun Amelia Puspita | Affiliation unknown | 1 |
| Mutmainnah Mutmainnah | Affiliation unknown | 1 |
| M. Bayu Mario | Affiliation unknown | 1 |
| Siti Nurul Nisa’a | Affiliation unknown | 1 |
| Nur Fadilah Reski | Affiliation unknown | 1 |
| Nurul Febrianti | Affiliation unknown | 1 |
| Ulfi Nurul Yannatul | Affiliation unknown | 1 |
| Sulfikar Sulfikar | Affiliation unknown | 1 |
| Aulia Rahma | Affiliation unknown | 1 |
| Ikbal Ikbal | Affiliation unknown | 1 |
| Galih Anom Arya Zamrud Manampiring | Affiliation unknown | 1 |
| Faiq Syihan | Affiliation unknown | 1 |
| Ahmad Azhari Arif | Affiliation unknown | 1 |
| Syarifah | Affiliation unknown | 1 |
| Intan Junice | Affiliation unknown | 1 |
| Fatimah Ilma | Affiliation unknown | 1 |
| Latifah Dhiahana | Affiliation unknown | 1 |
| Linda Indiyarti Putri | Affiliation unknown | 1 |
| Ummu Jauharin Farda | Affiliation unknown | 1 |
| Jihan Avie Yusrina | Affiliation unknown | 1 |
| Erna Dwi Nugraini | Affiliation unknown | 1 |
| Indriyanto Indriyanto | Affiliation unknown | 1 |
| Sestri Indah Pebrianti | Affiliation unknown | 1 |
| Edy Purwanto | Affiliation unknown | 1 |
| Mungin Eddy Wibowo | Affiliation unknown | 1 |
| Bayu Sujadmiko | Affiliation unknown | 1 |
| Rohaini Rohaini | Affiliation unknown | 1 |
| Nobuhide Otomo | Affiliation unknown | 1 |
| Ikhsan Setiawan | Affiliation unknown | 1 |
| Eko Handoyo | Affiliation unknown | 1 |
| Siti Masriyani | Affiliation unknown | 1 |
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