MANFAAT PENSIUN NORMAL DENGAN METODE ENTRY AGE NORMAL BERDASARKAN DISTRIBUSI RAYLEIGH
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Date
2023-11
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Elfitra
Abstract
The welfare of workers at retirement age is an important factor in ensuring ful llment
of needs in old age, especially workers who work for a company or a government
agency. Workers must have an early plan that can guarantee future welfare when entering
retirement age. Given the economic development and technological advances
that will trigger an increase in needs, a worker will certainly not always be able to
work well especially after reaching a certain age. Workers' productivity will decline
and workers will enter retirement age where needs still exist and will continue to
exist while after retirement workers no longer get income from their previous jobs.
One solution that can be done is to join a pension fund program. This research
aims to determine normal retirement bene ts, normal contributions and actuarial
liabilities with the normal entry age method based on the Rayleigh distribution. The
parameters in the Rayleigh distribution were estimated using maximum likelihood
estimation and then Maple 13 software was used to obtain the estimation results.The
solution of problem is obtained by determining the probability of death, initial life
annuity temporary, bene ts, normal contributions and actuarial liabilities with the
normal entry age method and then formula is obtained based on the distribution
of Rayleigh. The amount of pension bene ts, normal contributions and actuarial
liabilities obtained by using the normal entry age based on the Rayleigh distribution
is smaller than the case study conducted at Pt.Taspen Pekanbaru branch.
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Keywords
Normal retirement, entry age normal method, rayleigh distribution, maximum likelihood
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