Analisis Mekanisme Pengelolaan Asuransi Pertanian Di Indonesia dan Potensi Dampaknya Terhadap APBN
DOI:
https://doi.org/10.24258/jba.v12i1.212Abstract
The agricultural sector is one of the sectors that make an important contribution to the Indonesian economy, therefore each farm and the farmer should have the right of protection, especially in dealing with various issues such as farm business certainty and prices, crop failures, as well as climate change. This is one of the messages that are mandated in Law No. 19 Year 2013 on the Protection and Empowerment of Farmers. Background of this problem came the idea to implement agricultural insurance in Indonesia with the aim to stabilize the income of farmers by reducing the level of losses suffered by farmers because of the risk of losing the crop. This study took some lessons from the implementation of agricultural insurance in other countries and the results of testing the implementation of agricultural insurance in Indonesia in 2013. This study uses descriptive quantitative analysis to recommend management mechanism of agricultural insurance to be applied in Indonesia and mathematicallycalculate the potential impact on the state budget.
Keywords: Agricultural insurance, management mechanism of agricultural insurance in Indonesia and the potential impact on the state budget
Sektor pertanian merupakan salah satu sektor yang memberikan kontribusi penting dalam perekonomian Indonesia, oleh karena itu setiap usaha tani dan petani seharusnya mendapat hak perlindungan terutama dalam menghadapi berbagai permasalahan usaha tani seperti kepastian usaha, risiko harga, kegagalan panen, praktek ekonomi biaya tinggi, dan perubahan iklim. Inilah salah satu pesan yang diamanahkan dalam Undang-undang Nomor 19 Tahun 2013 Tentang Perlindungan dan Pemberdayaan Petani. Dari latar belakang masalah inilah akhirnya muncul ide untuk menerapkan asuransi pertanian di Indonesia dengan tujuan untuk menstabilkan pendapatan petani melalui pengurangan tingkat kerugian yang dialami petani karena adanya risiko kehilangan hasil panen. Penelitian ini mengambil beberapa pelajaran dari penerapan asuransi pertanian di negara-negara lain dan hasil uji coba penerapan asuransi pertanian di Indonesia pada tahun 2013. Penelitian ini menggunakan metode analisis deskriptif kuantitatif untuk merekomendasikan mekanisme pengelolaan asuransi pertanian yang akan diterapkan di Indonesia dan menghitungsecara matematis potensi dampaknya terhadap APBN.
Kata kunci: Asuransi pertanian, mekanisme pengelolaan asuransi pertanian di Indonesiadan potensi dampaknyaterhadap APBN
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