The use of insurance as a step to anticipate the magnitude of the losses is very possible disaster. This is because the basic principle of insurance as the transferee of the risk borne. Reconciliation and Reconstruction Deputy National DisasterManagement Agency (BNPB) Sulistianto Bambang said to anticipate and deal with a disaster, it takes the transfer of risk is contextual. "The government is expected to help people pay premiums. Clearly that should be developed is a self-supporting community resilience in the face of disaster," Bambang said when met on Wednesday (27/11). Society, he added, should develop what is of first order around and himself during a disaster preparedness already exists for something to replace the missing. One was the readiness to transfer risk. He said there have been examples of cooperatives that allocate part of the funds of Business (SHU) to fund its disaster preparations. It is very positive that the resilience and self-reliance can be realized. In addition of course to avoid greater losses.
BNPB've ever tried to apply for disaster insurance benefits to the government, in this case through the Ministry of Finance (MoF). For his part, Bambang, had been preparing a policy with a sum amounting to Rp10 trillion with an annual premium of Rp500 billion. But it is still awaiting approval of Ministry of Finance. According to Bambang, paying a premium of 500 billion per year is likely to prevent the potential for greater losses. He cited the earthquake in West Sumatra in the treatment of post need a fund of Rp 6, 4 trillion. "If it is approved then it should not bother because it will be constructed to build insurance. Already measurable amount needs," he said. He said people must survive by finding new sources of funding so that life can continue. For example, by running a productive economic approach. However, such assistance should be evaluated whether it is in conformity with the provision of the type of productive economic characteristics of the community and the region.
"Look West Sumatra experience., Where given improper productive economy. Society was given 10 chickens," he continued. Later evaluated whether or not the number of chickens that are given are in accordance with the culture and customs that were there or it is not giving proper chicken. Merapi disaster losses amounted to Rp 3.1 trillion. While it needs reach Rp1, 1 billion. Funds are already down 500 m. Once in the actual evaluation takes only Rp 900 billion. A total of Rp 500 billion is allocated from the central government. Local governments (LGs) and there are also private. Revision of the amount of funds needed is due to an inaccurate calculation of the filing. Assistant Country Director of UNDP Krisnanto Sinandang said disaster management is very important given Indonesia's geographic location and conditions that are prone to disasters. All parties must continue to support disaster management paradigm change, not reactive but preventive. "It is directed into effect other Ministry strategic plan," said Krisnanto. The role of the Regional Disaster Management Agency (BPBD) is still not optimal because of the Act (the Act), its existence is still considered loose. BPBDs formation in the province is mandatory. While the district is still optional or preferred.
"The Ministry of Home Affairs (MOHA) should also continue to encourage each region to form this team (BPBDs). Satkorlak used to be called new, when there is no disaster," said Krisnanto. Governments are also required to do a variety of studies such as hazard and risk assessment. Then at the provincial level planning is done based on the results of earlier studies. Asked about the possibility of the use of insurance, Krisnanto say it is highly dependent on the readiness of the government. He said that important now is how the community driven capable of eliminating and managing disaster risks.
"We cannot comment on that, he said. On this occasion, BNPB launched index or Disaster Recovery Disaster Recovery Index (DRI). This index measures the growth in the recovery of communities affected by the eruption of Mount Merapi in 2010 and a flood of lava in 2011. Deputy Reconciliation and Reconstruction BNPB said Bambang Sulistianto This index uses as many as 22 variables to see how the recovery process in the community, including restoration of infrastructure, housing, livelihood and social structure. Assistant Country Director, UNDP said the index Krisnanto Sinandang provide a tool to measure what has been done. Recovery and reconstruction process can not use the measurement time because this process can not be limited and kept going because it is not just the looks on the surface.