Listiani, Amalia, Mitha Patricia, and Tiara Yulita. “Determination Premiums Motor Vehicle Insurance Using Bonus-Malus Optimal”. Enthusiastic : International Journal of Applied Statistics and Data Science 6, no. 1 (April 25, 2026): 10–24. Accessed May 5, 2026. https://journal.uii.ac.id/ENTHUSIASTIC/article/view/42929.