Premium Calculation of Asuransi Usaha Tani Padi Program Using Normal Curve Method Involving Coverage Level

Stevanus Yasin, Aceng Komarudin Mutaqin, Siti Sunendiari

Abstract


Abstract. Crop insurance program in Indonesia have been applied to rice plants in the form of Asuransi Usaha Tani Padi (AUTP). AUTP premium have been assigned to 3% from the maximum indemnity or in the amount of Rp. 180.000. Crop insurance premium can be determined using statistical approach. One of the method to calculate premium is using normal curve method under the assumption that crop yields were normally distributed. This study proposed normal curve method which involve coverage level to calculate premium of AUTP program. The proposed method is normal curve method without using coefficient variations’ assumption, and tested for a few coverage level. This experiment used crop productivity data of several districts in West Java from year 1986-2013. This research produced normal curve formula to calculate premium of AUTP program, and the premium amount for a few options of coverage level.

 

Abstrak. Asuransi pertanian di Indonesia telah diaplikasikan untuk tanaman padi dalam bentuk Asuransi Usaha Tani Padi (AUTP). Premi program AUTP ditetapkan sebesar 3% dari ganti rugi maksimum atau sebesar Rp. 180.000. Penentuan premi asuransi pertanian dapat dihitung menggunakan pendekatan statistika. Salah satu metode perhitungan premi yaitu metode kurva normal dengan asumsi hasil pertanian berdistribusi normal. Makalah ini mengusulkan metode kurva normal untuk menghitung premi program AUTP dengan melibatkan tingkat cakupan. Metode yang diusulkan yaitu metode kurva normal tanpa menggunakan asumsi nilai koefisien variasi, dan dicoba untuk beberapa tingkat cakupan. Bahan aplikasi yang digunakan adalah data produktivitas padi di beberapa Kabupaten di Jawa Barat dari tahun 1986-2013. Penelitian ini menghasilkan formula kurva normal untuk menghitung premi program AUTP, beserta dengan besaran premi untuk beberapa pilihan tingkat cakupan.


Keywords


Asuransi Tani Padi, Premium, Normal Curve Method, Coverage Level.

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