Sharia insurance is an effort to protect and help each other among policyholders (participants) which carried out through the collection management of tabarru funds that provide a pattern return face certain risks contracts are in accordance with sharia principles. Insurance way minimize occurrence greater risks, may be experienced by everyone. In present day there more companies require every ...

Abstract The fact that a large proportion of insurance policyholders make no claims during one-year period highlights the importance zero-inflated count models when analyzing frequency claims. There is vast literature focused on univariate case models, while work in area multivariate considerably less advanced. Given companies write multiple lines business, where claim counts these business are...

In debating activities, especially political debates, a speaker does not always issue arguments in the same way. Sometimes conveys his ideas kindly and gently, sometimes with diction that seems to have negative connotations, even silent says nothing. Therefore, this study will analyze depth speech strategies produced by Indonesian officials politicians debate on YouTube channel. The method used...

The aim of this paper is to identify the risks that need be addressed when holding fine art, determine which are perceived as being most important, and whether risk perception influenced by demographic variables such age, educational background, field occupation. To evaluate perception, we used a purposely designed questionnaire sent it via various sources communication systems applications ind...

Abstract Modeling policyholders’ lapse behaviors is important to a life insurer, since lapses affect pricing, reserving, profitability, liquidity, risk management, and the solvency of insurer. In this paper, we apply two machine learning methods modeling. Then, evaluate performance these along with popular statistical by means accuracy profitability measure. Moreover, adopt an innovative point ...

According to regulations, life insurance companies must meet several requirements related the company's financial health, one of which is a technical reserve. Technical or premium reserves are funds that prepare. These will cover losses experienced by someone who applies for claim. Thus, author use Gross Premium Valuation (GPV) method in this research. can be determined using two approaches: re...

Takaful operators are part of the Islamic financial institutions that expected to achieve commercial and social objectives by their stakeholders particularly takaful participants (policyholders). First, this study aims postulate a new framework measure cost effectiveness including economic benefits drone-assisted technology in context maqāṣid Shariah. Second, intends investigate how industry ca...