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Abstrak :
Di era globalisasi saat ini, Indonesia menghadapi era pasar bebas termasuk di dalamnya sektor industri kesehatan. Jasa pelayanan kesehatan di rumah sakit akan berubah seiring bergulirnya globalisasi. Faktor-faktor di dalam dan di luar rumah sakit yang turut berubah meliputi country, cost, costumer, competitor dan company. Peningkatan peran swasta dan adanya deregulasi kebijakan serta pengembangan investasi asing khususnya dalam bidang perumahsakitan serta kebijakan pasar bebas akan mendorong perubahan konsep pelayanan kesehatan dari fee for service menjadi konsep kapitasi dan asuransi kesehatan. Sistem ini menuntut pula kelengkapan tatanan dan aturan yang pasti dalam populasi yang tetap, meliputi kurun waktu satu tahun, yang dapat diperbaharui kembali sesuai kesepakatan. Sistem kapitasi menuntut kelengkapan adanya unit cost, tingkat utilisasi, yang cenderung stabil dan terakhir bermuara pada besaran nilai kapitasi serta premi yang disepakati di antara penyelenggara kesehatan, pemberi layanan kesehatan dan peserta. Penelitian mengenai analisa besaran premi bagi pensiunan pertamina beserta istri atau suami yang berobat di Rumah Sakit Pertamina Cirebon tahun 2003, dilakukan di lingkungan unit pelayanan kesehatan yang ada di RS Pertamina Klayan Cirebon selama kurun waktu 4 minggu. Ditemukan sebanyak 3541 populasi pensiunan Pertamina beserta istri dan suami yang berobat di Rumah Sakit Pertamina Klayan Cirebon tahun 2003, didapatkan dari penelusuran data-data sekunder yang bersumber dari TI, Medical Record dan Bagian Keuangan, dan diolah dengan analisis deskriptif. Dengan berdasarkan formulasi, akhirnya diperoleh besaran nilai premi total untuk layanan yang dipertanggungkan adalah sebesar Rp. 7.488.609.612,07,- untuk 3541 orang per tahunnya. Besaran nilai premi menjadi dasar kerja sama antara badan penyelenggara kesehatan dengan pemberi pelayanan kesehatan, sehingga dapat memberikan manfaat seperti kepastian, mutu layanan yang baik, sehingga diharapkan akan terjadi retensi dan loyalitas badan penyelenggara kesehatan atau peserta terhadap pemberi pelayanan kesehatan yaitu Rumah Sakit Pertamina Klayan Cirebon. Pelaksanaan sistem kapitasi membutuhkan kesiapan di segala bidang baik pemberi layanan kesehatan, badan penyelenggara kesehatan serta peserta itu sendiri, sehingga tidak akan menimbulkan saling kecurigaan. Dengan demikian sangat diperlukan adanya sosialisasi dan pendidikan keterampilan dalam bidang kapitasi untuk seluruh SDM yang terkait. Daftar Pustaka : 21 (1997 - 2003).

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Analyse of Value at Premium to Retired Patient from Pertamina which Mediciness at Pertamina Klayan Hospital at District of Cirebon for the Year 2003Enclosure In globalization era in this time, Indonesia face free market era is including in it health industrial sector. Health service at hospital will change along him globalization. Factors in and is outdoors of Hospital which partake to change to cover country, cost, costumer, and competitor of company. Make-Up of role of private sector and existence of policy deregulations and also development of foreign investments especially in the field of Hospitalization and also policy of free market will push change of concept service of health of fee for service become concept of capitations and health insurance. With existence of customers orientation and effort upgrade health service and also the existence of competitor factor and expanding it service care ambulatory will make elementary change at health pattern of curative service form of rehabilitative to conservancy of health which have emphasis and promote of preventive. System of Capitations expected can upgrade health service, high efficiency storey; level and certainty constituted by big responsibility by eliminating moral factor of hazards_ This system claim also equipment of definitive order and role in population which remain to, cover range of time one year, which can turned over a new leaf according to agreement System of Capitations claim equipment of is existence of unit cost, mount utilization, what tend to stabilize and last have estuary at Value of assess Capitations and also premium agreed on among organizer of health, giver of health service and participant Premium analyses represent related/relevant responsibility to be able to give professional service. Pursuant to this situation to analyse premium value to retired patient of Pertamina along with husband or wife which medicines At Pertamina Klayan Hospital at District of Cirebon for the year 2003. analysis of Premium Value conducted to 3541 population retired of Pertamina along with husband and wife which medicines At Pertarnina Klayan Hospital at District of Cirebon for the year 2003 by tracing data of secondary steaming from TT, Medical Record and Monetary Shares, and processed with descriptive analysis. With pursuant to formulas, finally obtained by assess total value premium for service the underwritten equal to Rp. 7.488.609.612,07,- to 3541 people per its year. With existence of assess value premium becoming same activity base among organizer of health with giver of service of health, hence can give benefit like certainty, quality of good service, so that expected will happened and retention of loyalties of organizer of participant or health to giver of service of health that is Hospital of Pertamina Klayan Cirebon. Execution of Capitations system expects the readiness of all area to giver of health service, The organizer of health and also participant of itself, so that will not generate each other suspicion. Thereby very needed the existence of socialization and education of skill in the field of capitations to entire/all related/relevant Human Resources Development. Bibliography : 21 (1997 - 2003.

Abstrak :
ABSTRAK
Penelitian ini untuk mengkaji apakah manajer investasi reksadana syariah di Indonesia dan Malaysia memanfaatkan anomali pasar saham di bulan Ramadhan untuk memperoleh abnormal return reksadana. Penelitian ini menggunakan model GARCH regression dengan data cross section dan time series harian pada periode 2006-2015. Hasilnya menunjukkan bahwa pemanfaatan anomali bulan Ramadhan oleh manajer reksadana syariah di Indonesia tidak signifikan karena abnormal return bernilai negatif. Sementara hasil penelitian Malaysia menunjukkan bahwa tidak terdapat pemanfaatan anomali bulan Ramadhan oleh manajer investasi reksadana syariah Malaysia untuk meningkatkan abnormal return dari portofolionya. Selanjutnya size premium dan value premium tidak ditemukan pada reksadana syariah di Indonesia dan Malaysia. Disisi lain, market exess return menunjukkan pengaruh positif terhadap reksadana syariah di Indonesia dan Malaysia.

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ABSTRACT
The purpose of the study is to examine whether Sharia Mutual Fund Managers in Indonesia and Malaysia exploit Ramadan anomaly in stock markets to gain mutual funds abnormal return. This study use GARCH regression model with cross section and time series daily data in 2006 2015 period. The results showed Ramadan Anomalies Exploitation by Sharia Mutual Fund Managers in Indonesia is not significant because mutual funds abnormal return are negative. Meanwhile the results in Malaysia showed there is no Ramadan Anomalies Exploitation by Sharia Mutual Fund Managers in Malaysia to increase portfolio abnormal return. Size premium and value premium is not found in Indonesian and Malaysian sharia mutual funds. On the other hand, market exess return showed positive influence to Indonesian and Malaysian sharia mutual funds.

Abstrak :
Dalam asuransi, premi yang ditetapkan harus memiliki prinsip keadilan. Prinsip keadilan yang dimaksud adalah semakin berisiko suatu polis, premi yang dibebankan juga semakin besar, begitu pula sebaliknya. Perhitungan tarif premi diawali dengan mengestimasi klaim agregat. Klaim agregat seringkali diestimasi menggunakan Two-Part Model, yaitu frekuensi dan severitas yang masing-masing dimodelkan dengan Generalized Linear Model (GLM). Penggunaan Two-Part Model dapat disederhanakan dengan mengganti frekuensi menjadi variabel biner yang menunjukkan apakah suatu polis mengajukan klaim atau tidak. Variabel biner ini kemudian dimodelkan dengan regresi logistik. Variabel biner tersebut dapat menghasilkan probabilitas klaim yang menggambarkan risiko suatu polis. Klaim agregat didapat dengan mengalikan probabilitas klaim tiap polis dengan severitas klaim dari regresi gamma. Namun, GLM hanya memberikan informasi nilai rata-rata dari klaim agregat suatu polis sehingga kurang dapat memberikan gambaran risiko suatu polis. Selain GLM, regresi kuantil juga dapat digunakan sebagai alternatif dalam mengestimasi klaim agregat pada kuantil tertentu. Namun, penggunaan regresi kuantil saja masih tidak dapat memberikan gambaran risiko tiap polis sebab regresi kuantil tidak memberikan informasi tentang probabilitas terjadinya klaim untuk tiap polis. Penelitian ini membahas pengembangan model regresi kuantil untuk mengestimasi klaim agregat, yakni model Two Stage Quantile Regression (TSQR). Tahap pertama dari model TSQR adalah pengestimasian probabilitas klaim dari tiap polis menggunakan regresi logistik, lalu tahap kedua adalah pengestimasian klaim agregat menggunakan regresi kuantil. Setelah pengestimasian klaim agregat dilakukan, premi dihitung dengan Quantile Premium Principle (QPP). Lalu, hasilnya dibandingkan dengan premi yang dihitung menggunakan Expected Value Premium Principle (EVPP) dimana klaim agregatnya diestimasi menggunakan GLM. Pada penelitian ini data yang digunakan untuk implementasi model adalah data asuransi kendaraan bermotor dan diperoleh hasil bahwa premi yang dihitung dengan QPP lebih adil dibandingkan dengan EVPP. ......In insurance, the established premiums must adhere to the principle of fairness. The principle of fairness here implies that as the risk associated with a policy increases, the corresponding premium should also increase, and vice versa. The computation of premium rates commences with the estimation of aggregate claims. This aggregate claims estimation often employs a Two-Part Model, encompassing frequency and severity, each modeled using a Generalized Linear Model (GLM). Simplification of the Two-Part Model can be achieved by transforming frequency into a binary variable indicating whether a policy makes a claim or not. This binary variable is then modeled using logistic regression, producing claim probabilities that depict the risk of a policy. The aggregate claims are derived by multiplying the claim probabilities of each policy by the severity of the claim obtained from a gamma regression. However, GLM only provides information about the average value of the aggregate claims for a policy, which falls short of offering a comprehensive depiction of the policy's risk. In addition to GLM, quantile regression can be employed as an alternative to estimate aggregate claims at specific quantiles. Yet, the use of quantile regression alone still fails to provide an insight into the risk of each policy, as it does not provide information about the probability of claims occurring for each policy. This study aims to discuss the development of a quantile regression model for estimating aggregate claims, specifically the Two Stage Quantile Regression (TSQR) model. The first stage of the TSQR model involves estimating the claim probabilities for each policy using logistic regression, followed by the second stage of estimating aggregate claims using quantile regression. Following the estimation of aggregate claims, premiums are calculated using the Quantile Premium Principle (QPP). Subsequently, these results are compared with premiums calculated using the Expected Value Premium Principle (EVPP), where aggregate claims are estimated using GLM. In this research, the data used for implementing the model is motor vehicle insurance data, and the results obtained indicate that premiums calculated with QPP are fairer compared to EVPP.