Cost efficiency and profitability in Thailand's life insurance industry: A stochastic cost frontier approach

Liberalized environments brought about by trade agreements and other restructuring of international markets under the General Agreement on Trade and Services (GATS) have increased market opportunities for foreign firms. This opening up of domestic market under GATS will cause the inflow of foreign insurance firm hence heighten competitive pressures. As such, insurance firm in Thailand need to be efficient to ensure their survival. Hence, the purpose of this paper is to evaluate the cost efficiency and its relationship with profitability in Thailand’s life insurance firms during the period 1997-2002 using the stochastic cost frontier approach. We find that the industry is on average 82 to 140 percent inefficient. There is no significant relationship between inefficiency and age. But, the mean inefficiency is negatively correlated with size suggesting the need for rationalization in the insurance industry in Thailand. Consolidating the large number of smaller insurers should be high on the government’s agenda, and the capital requirements for life insurers need to be increase. We show that inefficiency is negatively correlated with ROE and ROA ratios. This shows that efficient firms, on average, have higher return on equity and on assets. This indicates that inefficiency has substantial effect on the profitability of life insurance companies

KEBERADAAN RELAWAN TARMIZI KARIM TERHADAP CITRA POLITIK DARI PASANGAN CALON GUBERNUR DAN WAKIL GUBERNUR TARMIZI KARIM DAN MACHSALMINA ALI PADA PILKADA 2017

ABSTRAKAKMAL WAHYU KEBERADAAN RELAWAN TARMIZI 2019 KARIM TERHADAP CITRA POLITIKDARI PASANGAN CALON GUBERNURDAN WAKIL GUBERNUR TARMIZIKARIM DAN MACHSALMINA ALI PADAPILKADA 2017 Fakultas Ilmu Sosial dan Ilmu PolitikUniversitas Syiah KualaUbaidullah, MA. Pada Pilkada Aceh 2017 muncul beberapa relawan dalam mendukungmasing-masing pasangan Calon Gubernur dan Wakil Gubernur Aceh, salahsatunya adalah keberadaan Relawan Tarmizi Karim. Kehadiran relawan inimerupakan salah satu dari partisipasi politik masyarakat di dalam keterlibatnnyadi pemilihan umum khususnya di Aceh. Penelitian ini mencari jawaban darimunculnya keberadaan Relawan Tarmizi Karim dalam mendukung TarmiziKarim memenangkan Pilkada Aceh pada tahun 2017. Mencari jawaban darikemunculan relawan Tarmizi Karim sehingga mau secara sukarela untukberpartisipasi dalam mendukung Tarmizi Karim dan berusaha untukmeningkatkan citra politik Tarmizi Karim pada Pilkada Aceh 2017. Teknikpengumpulan data dalam penelitian ini adalah dengan wawancara dandokumentasi wawancara langsung dengan informan serta dokumentasi didapatimelalui buku-buku dan jurnal ilmiah lainnya. Hasil yang didapati dalam penelitianini, pertama mendapati keresahan dari anggota relawan kepada kepemimpinanAceh sehingga mengharapkan sosok pemimpin yang bisa membawa Acehkedepannya lebih baik lagi dengan mengusung Tarmizi Karim sebagai salah satukandidat untuk Calon Gubernur Aceh kedepannya. Kedua, berdasarkan perspektifkritis, gerakan relawan secara individu maupun kelompok dilakukan secarasukarela sehingga memepertanyakan bagaimana eksistensi mereka untuk tetaployal mendukung Tarmizi Karim sebagai Calon Gubernur Aceh sehingga menjadipertanyaan bagaimana mereka mempertahankan kesolidannya sampai habispilkada nanti. Kata kunci : Relawan Politik, Relawan Tarmizi Karim, Tarmizi Karim, Pilkada Aceh 2017 xii xiii ABSTRACT AKMAL WAHYU THE EXISTENCE OF VOLUNTARY 2019 TARMIZI KARIM TOWARDS THE POLITICAL IMAGE OF THE CANDIDATEPAIR OF GOVERNOR AND DEPUTYGOVERNOR TARMIZI KARIM DANMACHSALMINA ALI IN THE 2017ELECTIONS Faculty of Social Science and Political ScienceSyiah Kuala UniversityUbaidullah, MA. In the Aceh Regional Election 2017, several volunteers appeared insupporting each pair of candidates for the Governor and Deputy Governor ofAceh, one of which was the presence of Tarmizi Karim Volunteers. The presenceof these volunteers is one of the political participation of the people in theirparticipation in general elections, especially in Aceh. This study seeks answersfrom the emergence of Tarmizi Karim Volunteers in supporting Tarmizi Karim inwinning the Aceh Regional Election in 2017. Looking for answers to theemergence of Tarmizi Karim volunteers so that they are willing to voluntarilyparticipate in supporting Tarmizi Karim and strive to improve the political imageof Tarmizi Karim in the 2017 Aceh Pilkada Data collection techniques in thisstudy were interviews and documentation of direct interviews with informants aswell as documentation found through books and other scientific journals. Theresults found in this study, first found the unrest of volunteer members of the Acehleadership so that they expect a leader who can bring Aceh better in the future bycarrying Tarmizi Karim as one of the candidates for the Aceh GovernorCandidate going forward. Secondly, based on a critical perspective, the voluntarymovement of individuals and groups is carried out voluntarily so as to questionhow their existence remains loyal to support Tarmizi Karim as a Candidate forthe Governor of Aceh so that it becomes a question of how they maintain theirsolidity until the election is over. Keywords: Political Volunteers, Tarmizi Karim Volunteers, Tarmizi Karim, Aceh Regional Election 201

Living in Limbo: the Buddha of Suburbia and the Final Passage

Karim and Leila live between two cultures that are considered to be in two polar opposites, the cultures of the white and the black. Because of their parentage, they belong to both cultures and yet they do not belong to either one. The white British regards Karim as "the other", but he also regards an India born Indian to be "the other". Whereas Leila, is also regarded as "the other" in the Caribbean village where she grew up and yet, when she has immigrated to London, she regards the other Caribbean immigrant as "the other". This means that both of them have shifted their position from "the other" to "the self" in their attempt to find a place where they belong. The feeling of not belonged, puts them in a state of limbo; a state that is loaded with anxieties, questions and conflicts as they are unable to find an anchor that they can grip on

Setting and curing of mortars obtained by alkali activation and inorganic polymerization from sodium silicate and silica aggregate

none4Haq, Ehsan Ul; Kunjalukkal Padmanabhan, Sanosh; Abdul Karim, Muhammad Ramzan; Licciulli, AntonioHaq, Ehsan Ul; KUNJALUKKAL PADMANABHAN, Sanosh; Abdul Karim, Muhammad Ramzan; Licciulli, ANTONIO ALESSANDR

Memposisikan Abdul Karim Jamak sebagai Ulama Asia Tenggara dari Kerinci, Jambi, Indonesia

Abdul Karim Jamak almost straight into a discussion of the religious phenomenon in Kerinci, Sumatra and even in Southeast Asia. His activities are mostly done in Kerinci, as a place that is quite difficult to reach once, to be controversial with many additional stories about him. This study wants to explore the biography of Abdul Karim Jamak and his role in Islamic missionary activity, and to describe some of the results of the research before about this an Islamic ulama of the Kerinci. The results of this study itself show that controversial stories about Jamaah Islamiyah led by Abdul Karim is not an Islamic deviant splinter group. In fact, Abdul Karim plays an important role in islamization and could be positioned as one of the scholars of the archipelago, and even Southeast Asia ulama from Kerinci, Indonesia

Internet of things security implementation using blockchain for wireless technology

Blockchain is a new security system which group many data into a block or so called classifying the data into a block. The block can have many types and each of them content data and security code. By using a decentralize mechanism, one security code protect all the data. That could happen at the server. In this research, a network of wireless sensor technology is proposed. The transmission of sensor data is via the Internet of things (Internet of Thing) technology. As many data transmitted, they have to classified and group them into a block. All the blocks are then send to the central processing unit, like a microcontroller. The block of data is then processed, identified and encrypted before send over the internet network. At the receiver, a GUI or Apps is developed to open and view the data. The Apps or GUI have an encrypted data or security code. User must key in the password before they can view the data. The password used by the end user at the Apps or GUI must be equivalent to the one encrypted at the sensor nodes. This is to satisfy the decentralized concept used in the Blockchain. To demonstrate the Blockchain technology applied to the wireless sensor network, a MATLAB Simulink function is used. The expected results should show a number of block of data in cryptography manner and chain together. The two set of data. Both have the data encrypted using hash. The black dots indicate the data has been encrypted whereas the white dot indicate indicates the data is not encrypted. The half white and half black indicates the data is in progress of encrypted. All this data should arrange in cryptography order and chain together in a vertical line. A protocol called block and chain group the data into the block and then chain then. The data appears in the blocks and send over the network. As seen in the simulation results, the yellow color represents the user data. This data has a default amplitude as 1 or 5. The data is chained and blocked to produce the Blockchain waveform Keywords: Blockchain, Internet of things, Wireless Sensor Network and MATLAB Simulin

THE CONTRIBUTION OF SYEKH ABDUL KARIM AMRULLAH’ S THOUGHTS IN ISLAMIC EDUCATION AND ITS RELEVANCE TO CURRENT ISSUES

This paper aims at describing the educational system established by Sheikh Abdul Karim Amrullah and its relevance in the present day. This is a library research using a biographical research method. Sources of data are documents related to the roles of Sheikh Abdul Karim Amrullah in Islamic education. In addition, the researcher also conducted interviews and observation in Madrasah Thawalib Padang Panjang. The result shows that the Madrasah still maintains the main purpose of education proposed by Sheikh Abdul Karim Amrullah as the founding father. Moreover the Madrasah, beside implementing the old curriculum, has adjusted to the national education standard by incorporating general learning materials in today’s teaching. 

INDIAN-BRITISH: DILEMMA OF KARIM’S WORLD IN THE NOVEL THE BUDDHA OF SUBURBIA BY HANIF KUREISHI

This research purposes to explain the dilemma experienced by Karim, the main character in the novel The Buddha of Suburbia. The objectives of this research are to find out the kind of dilemma faced by Karim as an Indian-British marriage child and how he faces it. This research is a descriptive qualitative study and uses a mimetic theory by M.H. Abrams with an extrinsic element approach. The data of this research are all things taken from the novel in the form of text and dialogues of the main character. Based on the data analysis, the writer found the results as follows: There are four things that constitute the dilemmas of Karim, i.e. national identity, sexuality, family, and the place where Karim lives. The conclusion shows that family takes the biggest role to create and heal the dilemmas due to living in a multicultural society. Through the literary work readers can see that what is written in the novel is a reflection of the real condition of the society. Keywords: Dilemmas, Main Character, Mix-Marriage, Multicultural Society, and Literary Work

Using of GGE biplot in determination of genetic structure and heterotic groups in wheat (Triticum aestivum L.)

The present study was undertaken to analyze diallel data using GGE biplot model to gather information about genetic interrelationships among parents and identification of heterotic combinations for yield and yield components in bread wheat varieties. For this purpose, 8 bread wheat genotypes tested across in half-diallel crosses design, GGE biplot technique was used. Parents included the genotypes of Kouhdasht, Karim, Ehsan, Mehregan, N-92-9, Line 17, N80-19 and Atrak. The hybrids obtained from the one-way cross (28 hybrids) in agricultural years of 2016-17 were evaluated as randomized complete block design in two replications on the research farm of Gonbad Kavous University. The evaluated traits included the grain yield, weight of spike grains, number of grains in spike and number of spikes. Additive main effects and genotype × environment interaction (GGE) were employed in the evaluation of genotypes; analyses showed significant (P< 0.01) G × E, (genotype × environment interaction) with respect to plant seed yield. GGE biplot analysis showed that Karim was as the best general combiners for grain yield, number grain per spike and grain weight per spike, whereas Ehsan had the highest GCA effects for number of spikes. Ehsan and Karim had higher specific combining ability than other genotypes. The studied genotypes for this trait were divided into two heterotic groups where the first group included the genotypes of Kouhdasht, N-92-9, N80-19 and Atrak and the second group contained the genotypes of Line 17, Mehregan and Karim. Mehregan line had a weak combining ability with all testers and N-92-9 had also more power than others. Based on the biplot, the Karim genotype with high general adaptation was introduced as the ideal genotype in terms of grain yield, spike number, grain number per spike and grain weight, so the Karim genotype can be adapted to obtain high yield hybrids

Pemikiran hisab KH. Ahmad Ghozali Muhammad Fathullah : analisis metode hisab awal bulan Kamariah dalam kitab Faidl al-Karim al-Rauf fi Hisab al-Sinin wa al-Khusuf wa al-Kusuf

Sebagai penyusun kitab Faidl al-Karim al-Rauf, KH. Ahmad Ghozali memiliki keahlian tersendiri dalam bidang ilmu falak. Hal yang menjadi istimewa dari pemikirannya dalam kitab tersebut ialah perhitungan awal bulan kamariah yang mempunyai formulasi hisab yang berbeda dengan kitab lainnya. Hal ini terlihat dari cara mencari tanggal terjadinya ijtima’ yang sudah terangkum dalam tabel sinin majmu’ah, sinin mabsuthah dan tabel Syahr yang terletak dalam data tarikh miladi. Data tarikh miladi ini menggunakan sistem Julian Day yang sudah diramu khusus dalam sistem tabel yang merupakan ciri khas kitab tersebut. Berdasarkan sudut pandang di atas, penulis sangat tertarik untuk mengkaji dan mengulas bagaimana metode pemikiran hisab dalam kitab tersebut. Adapun tujuan penelitian ini adalah (1) Untuk mengetahui metode yang digunakan oleh KH. Ahmad Ghozali Muhammad Fathullah dalam menentukan awal bulan kamariah dalam kitab Faidl al-Karim al-Rauf yang mempunyai karakteristik tersendiri dari metode hisab yang lainnya, (2) Untuk mengetahui tingkat akurasi metode hisab dalam kitab Faidl al-Karim al-Rauf. Metodologi penelitian yang digunakan (1) Jenis penelitian ini adalah penelitian kualitatif; kategori fungsionalnya penelitian ini termasuk kedalam penelitian kepustakaan (library research). (2) Sumber data yaitu : data primer (Faidl al-Karim al-Rauf tentang awal bulan kamariah) dan data sekunder (dokumen, buku dan pernyataan yang terkait dengan objek penelitian). (3) metode pengumpulan data menggunakan metode dokumentasi dan wawancara. (4) Metode analisis data menggunakan metode deskriptif yaitu analisis yang menggambarkan tentang metode hisab awal bulan kamariah dalam kitab Faidl al-Karim al-Rauf. Selain itu menggunakan metode komparatif untuk membandingkan hasil hisab, yaitu dengan kitab Syams al-Hilal yang sama-sama menggunakan sistem hisab hakiki takribi. Kemudian dari sisi akurasi keduanya dikomparasikan dengan sistem jean meeus yang selama ini dianggap lebih presisi. Hasil penelitian menunjukkan pertama, bahwa sistem dan metode hisab kitab Faidl al-Karim al-Rauf karangan KH. Ahmad Ghozali Muhammad Fathullah menggunakan metode hisab haqiqi taqribi. Jika dilihat dari metodenya, untuk menghitung irtifa’ al-hilal, muks al-hilal dan nur al-hilal masih sangat sederhana dengan hanya menggunakan logika-logika sederhana, dan hasil yang diperoleh pun masih tergolong akurasi rendah, sehingga hasil dari perhitungan kitab tersebut tidak bisa dijadikan rujukan penentuan awal bulan kamariah. Kedua, bahwa berdasar dari keakurasian hasil perhitungan, kiranya kitab Faidl al-Karim al-Rauf lebih mendekati kebenaran jika disandingkan dengan kitab syams al-hilal. Dalam menghitung tanggal ijtima’, bisa dikatakan sudah akurat. Hal ini dikarenakan dalam menghitung tanggal ijtima’ menggunakan Julian Day. Sehingga kitab faidl al-karim al-rauf jika dibandingkan dengan metode hisab kontemporer seperti Jean Meeus, tidak terjadi perbedaan