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 Disaster
Management
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.
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