Analisis Premi dari Asuransi Pengangguran

  • I Nyoman Widana Udayana University
  • Ketut Jayanegara Udayana University


Unemployment insurance is designed to overcome some of the financial problems faced by workers who have been involuntarily terminated from their jobs. The benefit insurance is financed based on the contributory from an employer, employee or government in recent times, some developing countries have been establishing unemployment insurance. This research aims to analyze the unemployment insurance products in Indonesia. Especially to analyze the financial viability of the product. The method used is the equivalence premium principle. Based on data sourced from BPJS Ketenagakerjaan and a claim rate of 10%, it is found that a premium rate of 5% of insured wages would support a benefit level of 50% of the wages for 43 weeks. This premium rate would also support 70% of the wages for 32 weeks. Meanwhile, the premium rate of 1% of the participant wages would guarantee a benefit level of 50% for 6 weeks.


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Author Biographies

I Nyoman Widana, Udayana University

Program Studi Matematika, Fakultas MIPA – Universitas Udayana

Ketut Jayanegara, Udayana University

Program Studi Matematika, Fakultas MIPA – Universitas Udayana

How to Cite
WIDANA, I Nyoman; JAYANEGARA, Ketut. Analisis Premi dari Asuransi Pengangguran. Jurnal Matematika, [S.l.], v. 9, n. 1, p. 60-65, sep. 2019. ISSN 2655-0016. Available at: <>. Date accessed: 13 aug. 2020. doi:

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