利用期望值原理计算溢价,降低池塘养殖渔业的失收风险

Fadia Irsya Septiana, Dwi Susanti, Sukono Sukono
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引用次数: 0

摘要

池塘养殖在当前是一个很有前景的行业,市场对鱼类的需求量很大,这为在鱼类养殖领域创业带来了机遇。不可否认,在养鱼过程中,会有多种因素导致歉收,既有天气因素,也有畜牧过程中的因素。如果发生这种意外情况,养殖者会受到轻微影响。因此,有必要提供特殊保险,即渔业小额保险,以保护养殖户免受可能风险造成的经济损失。本研究旨在利用期望值原则计算方法,为小型虾塘水产养殖户确定合理的保费金额。事件数量数据采用泊松分布,而潘德格朗地区的损失数据采用指数分布。接下来使用最大似然估计法计算参数估计。然后,利用参数估计的结果寻找集体风险模型。因此,本研究的保险费计算结果为 25.893.046 印尼盾。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Mitigation of The Risk of Failed Harvest Pond Farming Fisheries Using The Calculating of The Premium Through The Approach to The Principle of Expectation Value
Pond cultivation is a promising business to be engaged in at this time, the demand for fish in the market is high, it opens opportunities for entrepreneurship in the field of fish cultivation. It is undeniable that several factors will cause crop failure in fish farming, both from weather factors and in the livestock process. If such an unexpected thing happened, the cultivators would be slightly affected. Therefore, there is a need for special insurance to protect farmers from financial losses due to possible risks, namely Fishery Microinsurance. This study aims to determine a reasonable amount of insurance premiums for small-scale shrimp pond aquaculture cultivators using the expectancy value principle calculation method. The data on the number of events uses the Poisson distribution, while the loss data uses the Exponential distribution in Pandeglang Regency. Next use the Maximum Likelihood Estimation method to calculate the parameter estimate. After that, the results of the parameter estimation are used to search for a collective risk model. Thus, the result of the premium calculation in this study was Rp 25.893.046
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