?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ALOKASI+DANA+DARI+PREMI+ASURANSI+JIWA+SYARIAH%0D%0AMENGGUNAKAN+METODE+DWIGUNA&rft.creator=ARUM+MARDHIYAH+NURVITASARI+%2C+1417031025&rft.subject=Q+Science+(General)&rft.subject=QA+Mathematics&rft.description=Peserta+asuransi+yang+telah+menandatangani+kontrak+perjanjian+tertulis+atau+polis+asuransi+harus+membayarkan+sejumlah+dana+(premi)+kepada+pihak+asuransi.+Besarnya+premi+dapat+dihitung++menggunakan++rumus+premi++diskonto++kontinu++asuransi++jiwa++dwiguna.+Jenis+asuransi++jiwa++dwiguna++ini+dipilih++karena++mempunyai++banyak++keunggulan++daripada++jenis+asuransi+lainnya%2C+yaitu+manfaat%2Fbenefit+sebesar++satu+satuan+akan+diberikan++sesaat+setelah+meninggal+atau+diberikan+sesaat+setelah+masa+kontrak+habis+dan+tertanggung+masih+hidup.+Premi+yang++dibayarkan++peserta++asuransi+tersebut++akan++dialokasikan+untuk++biaya+administrasi%2C++tabungan++peserta%2C++dan+tabungan+tabarru%E2%80%99+(dana++tolong-menolong).+Kemudian%2C++dana++yang++berada++pada++tabungan++peserta++dan++tabungan+tabarru%E2%80%99+akan+diinvestasikan++ke++investor-investor++syariah.+Hasil++investasinya++akan++dibagi++berdasarkan+prinsip++bagi++hasil++(mudharabah)++pada++asuransi++syariah.+Sebagian++dari++hasil++investasi+tersebut++adalah+milik+peserta++asuransi++yang++masuk++ke++dalam++tabungan++peserta.+Untuk+kasus++ini++akan++dihitung++pengaruh++usia++dan++masa++asuransi++terhadap++besarnya++premi++dan+klaim++asuransi.+Dari+hasil++perhitungan++diperoleh++bahwa+untuk++peserta++yang++masa+asuransinya+sama+tetapi+usianya+berbeda%2C+maka+semakin+tua+usia+peserta%2C+semakin+besar+premi++dan++klaim++asuransinya%2C++sehingga++alokasi++dananya++juga++semakin++besar.+Sedangkan+untuk+peserta+dengan+usia+yang+sama+tetapi+masa+asuransinya+berbeda%2C+semakin+panjang+masa+asuransi+maka+semakin+kecil+premi+dan+klaimnya%2C+sehingga+diperoleh+alokasi+dana+yang+semakin+kecil.Kata+kunci%3A+Asuransi+Jiwa+Dwiguna%2C+Premi+Diskonto+Kontinu%2C+Alokasi+Dana+Asuransi+Jiwa+Syariah%0D%0A%0D%0A%0D%0AABSTRACT%0D%0A%0D%0AInsurance+participants+who+have+signed+a+written+agreement+or+insurance+policy+must+pay+a+sum+of+funds+(premium)+to+the+insurer.+The+amount+of+the+premium+can+be+calculated+using+the+formula+of+continuous+discount+premium+endowment+life+insurance.+This+kind+of+endowment+life++insurance++is++chosen++because++it++has++many++advantages+than++any++other+kind+of+insurance%2C+which+the+benefits+of+one+unit+will+be+given+shortly+after+death+or+given+shortly+after+the+contract+expires+and+the+insured+is+still+alive.+The+premium+paid+by+the+insurance++participant++will++be++allocated++for++administration++fees%2C++participant++savings++and+tabarru+savings'+(help+funds).+Then%2C+funds+in+participant+savings+and+tabarru+savings+will+be+invested+in+Islamic+investors.+Return+of+invesment+will+be+divided+based+on+the+profit+sharing++principle++(mudaraba)++on++Islamic++insurance.+Some++of++these+investment++returns+belong++to++insurance++participants++who++enter++the++participants'++savings.++In++this++case%2C++the+influence+of+age+and+insurance+period+will+be+calculated+on+the+amount+of+premiums+and+insurance++claims.++From++the++calculation++results++obtained++that++for++participants+whose+insurance+period+is+the+same+but+age+is+different%2C+the+older+the+participants%2C+then+the+bigger+the++premiums++and++the++insurance++claim%2C++so++the++allocation++of++funds++is++getting++bigger++too.+Whereas++for++participants++of++the++same++age++but++the++insurance++period++is+difference%2C++so++the+longer+the+insurance+period%2C+the+smaller+the+premium+and+claim%2C+the+smaller+the+allocation+of+funds+is+obtained.Keywords%3A+Dual+Life+Insurance%2C+Continuous+Discount+Premium%2C+Allocation+of+Funds+in+Sharia+Life+Insurance&rft.publisher=UNIVERSITAS+LAMPUNG&rft.date=2018-08-14&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33020%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33020%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F33020%2F3%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++ARUM+MARDHIYAH+NURVITASARI+%2C+1417031025++(2018)+ALOKASI+DANA+DARI+PREMI+ASURANSI+JIWA+SYARIAH+MENGGUNAKAN+METODE+DWIGUNA.++UNIVERSITAS+LAMPUNG%2C+FAKULTAS+MATEMATIKA+DAN+ILMU+PENGETAHUAN+ALAM.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F33020%2F