Asuransi Jiwa Kredit adalah produk asuransi jiwa yang memberikan manfaat berupa pelunasan kredit kepada pemberi pinjaman apabila debitur atau tertanggung meninggal dunia dalam periode asuransi. Premi asuransi jiwa kredit dihitung berdasarkan nilai kini dari manfaat asuransi yang akan diterima oleh tertanggung. Selain besar manfaat, salah satu faktor yang memengaruhi perhitungan premi adalah penetapan tingkat suku bunga. Peneliti ingin mengetahui perubahan suku bunga terhadap perhitungan tarif premi bruto asuransi jiwa kredit dan ingin mengetahui tingkat suku bunga ideal dalam pembentukan tarif premi bruto yang memenuhi prinsip-prinsip penetapan tarif premi dengan menggunakan metode komutasi (deterministic) dengan Tabel Mortalita IV tahun 2019 dengan tingkat suku bunga dari 2% sampai dengan 10% dengan kenaikan 0.5%, biaya akuisisi sebesar 10%, biaya administrasi sebesar 10%, profit margin sebesar 15% dan biaya operasional sebesar 0,05%. Untuk mencari suku bunga yang ideal, penelitian ini menggunakan analisis Procrustes dengan melakukan perbandingan dengan rate asuransi yang ada di perusahaan asuransi. Dari hasil analisa didapatkan adanya fluktuasi tingkat suku bunga terhadap perhitungan premi bruto asuransi jiwa kredit. Tingkat Suku bunga ideal yang didapatkan dari ukuran kemiripan Procrustes terbesar dari hasil perhitungan menggunakan metode komutasi (deterministik) yaitu suku bunga teknik 2% (untuk laki-laki) dan 7,5% sampai dengan 10% (untuk perempuan).

The Covid-19 pandemic that occurred in Indonesia had an impact on various sectors. The decline in activity and changes to digital systems due to the pandemic are the main factors causing the impact on society. One of the sectors affected is the business sector. Not a few businesses were forced to close because they were unable to deal with changes to the digital system. Google as the largest technology company has a product in the form of training for business people for free. Google also offers the appearance of a business profile in search results or maps. This activity aims to provide literacy and assist business people to improve their competence in using Google products. Literacy is carried out as the initial foundation for business people regarding the basics of digital marketing. Competency improvement is achieved by participating in skills training from Google and applying business profile media, maps search, and advertising media. The results of this activity indicate that the final knowledge of the participants about digital marketing is quite good and there is additional knowledge about business-related products from Google. In addition, one of the selected business owners has been assisted in successfully using business-related products from Google and advertising on Google.

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The purpose of this studi is to find an expectations and variability as estimators of the risk of earthquakes occurring in each province in Indonesia. Indonesia is a country that prone to natural disasters, especially earthquakes and tsunamis. The earthquake disaster damage the buildings and casualties. The risk of loss from earthquakes can be transferred using insurance. Insurance companies certainly need an analysis to estimate the probability of an earthquake occurring at a certain location and time. Hazard rate has an important role in the prediction theory of the process of earthquakes. The hazard rate can be known by the single decrement method. After the hazard rate is known, the survival function and the distribution function of the cumulative distribution of earthquake data in Indonesia will be known to look for expectations and variability as estimators of the risk of earthquakes occurring in each province in Indonesia. The data used in this study is earthquake that happen in Indonesia categorized as destructive earthquake minimum 5 magnitude. We used the data to compare a hazard function using linear model, quadratic model, cubic model and exponential. First, we plot and then using each models find the standard error. The best model suggest for Indonesia prediction Time of Earthquake Occurrence using an exponential model.

The Central Vocational School of Excellence (SMK PK) is one of the priority programs of the Directorate General of Vocational Education (Ditjen Vocational Education) of the Ministry of Education and Culture in 2021. This program is an effort to develop Vocational High Schools with certain expertise programs in order to improve quality and performance, as well as become a reference for other schools . The Center for Excellence Vocational School program carries the spirit of Independent Learning which focuses on strengthening human resources and bringing the world of education closer to the professional world. Formulation of strategic plans, implementation of vision and mission and evaluation of activities that are effective and efficient in achieving the Center of Excellence Vocational High School PK is one of the activities to achieve and meet the targets of a SMK became SMK PK. This community service activity is carried out in the form of vocational assistance by STMA Trisakti to Wahidin Cirebon Vocational School. This mentoring activity will be held on Thursday, August 19, 2021, until October 11, 2021, online and offline. Overall SMK Wahidin Cirebon has completed the preparation of the strategic plan, the implementation of the vision and mission and the evaluation of activities have been well structured and directed