Implementation of deductibles on insurance contracts is one of many ways to solve the adverse selection and moral hazard problems that often arise in health insurance. Deductibles will make the amount of expected loss for insurance companies lower. However, the deductible will also affect the amount of net premium. The higher the deductible, the lower the net premium that insurance company will get. If the claims amount are very large, then the insurance company would not be able to pay the claims because the amount of net premium that have been earned is small. Thus, the net premium principle is less suitable to use when the insurance companies. Then, they must find more suitable premium calculation method and in this paper, Proportional Hazard (PH) transform principle proposed by Wang being analyzed as an alternative premium when the insurer applies deductibles. The amount of PH transform premium will be higher than net premium and it has more slightly decrease when deductibles are applied compared to the amount of net premium.
The goal of the conversation process is to convey information and the understanding of that information smoothly. In order to achieve that, both of the speaker and listener are expected to use language effectively. This research aims at analyses the use of conversational maxims of the BTS members’ utterances in the BTS Run reality show by using Grice’s theory of cooperative principle. The objectives of this research are to find out the types of conversational maxims used by BTS on the BTS Run reality show with Cooperative Principal theory. Qualitative is applied as the research method in this research. The data are the utterances of BTS members in the BTS Run reality show that contains implied meaning. The result of this research shows that the members of BTS often violate the maxim of quantity over other maxims. Keywords: conversational, maxims, cooperative principle, BTS
<p>Fenomenanya, saat ini makin banyak kanal youtube yang memuat konten wawancara dengan tuturan yang mencampurkan unsur bahasa lain ke dalam bahasa Indonesia. Tujuan penelitian ini adalah untuk mengidentifikasi tipe dan alasan terjadinya campur kode pada video youtube dengan konten wawancara Najwa Shihab dan Maudy Ayunda. Maudy Ayunda adalah sosok artis dan influencer muda yang sangat pintar serta memiliki image positif di kalangan generasi muda tanah air. Penelitian dilakukan dengan pendekatan analisis isi. Yang menjadi sumber data adalah tuturan Najwa Shihab dan Maudy Ayunda yang di dalamnya terjadi campur kode. Pengumpulan data dilakukan dengan analisis dokumen. Teori<em> </em>campur kode yang digunakan adalah teori Pieter Musyken (2000) dan Hoffmann (2014). Dari analisis data ditemukan 62 campur kode bahasa Inggris dalam bahasa Indonesia dan yang paling sering muncul adalah tipe alternasi (52%). Ada 5 dari 7 alasan campur kode yaitu membicarakan suatu topik, mengutip pernyataan, menunjukkan empati terhadap sesuatu, mengulang untuk klarifikasi, dan mengklarifikasi maksud mitra tutur. </p>
<p class="5AbstrakIsi">This article analyzed code mixing which occurred in two videos from Gita Savitri and Sarrah Nurul youtube channels. They both are Indonesian students who are living in Germany. The aims of this research are to find out the types of their code mixing and the reasons why they mixed their code while they were talking in their videos. The data were taken from utterance of Gita and Nurul in their videos were uttered in Indonesian and mixed by English utterance. The writer conducted the analyses types of code mixing based upon classification by Pieter Musyken (2000) and conducted analyses of reasons based upon Hoffman (1991). Through the analyses there are 3 types code mixing were occurred (1) insertions, (2) congruent lexicalizations and (3) alternations. There were 6 reasons doing code mixing found through this research, they are (1) clarifying the speech content (2) talking about a particular topic (3) quoting (4) repetition for clarification (5) showing empathy (6) to express group identity.</p>
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