PERANCANGAN APLIKASI WEB DAN PERMODELAN PELUANG KEBANGKRUTAN UNTUK PERUSAHAAN ASURANSI DENGAN KLAIM MENYEBAR EKSPONENSIAL

Oleh : Victor Prasetya Pietono, Ro’fah Nur Rachmawati, Afan Galih Salman

Insurance guarantee a person of bad possibilities that can occur unexpectedly. Insurance collects funds from policyholders for later financial protection to every client. Calculation on a premium product to be really careful. If one day total venture capital to minus due to

the amount of the claim and the policy is not worth it, the insurance company can be declared bankrupt. Uncertainty in the financial world makes the need for mathematical

modeling to predict the chances of bankruptcy of a financial institution such. In this paper, using the equation of bankruptcy, the author completed the integro-differential equation equation  that  appears  in  the  equation  of  bankruptcy  by  converting  them  first  to  form

ordinary   differential   equation   which   can   then   be   easily   accomplished   using   the characteristic equation. At this writing the claim is considered to spread exponentially. Site

bankruptcy odds calculators online that are based on HTML and Javascript, along with eight golden rules in the process. The author also conducted interviews with the actuary to determine the needs and knowledge of the user.

Keywords:  Ruin  Probability,  Exponential  Claim,  Capital  Reserve,  Integro-differetial

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