KONSEP FORECAST-BASED-FINANCING UNTUK PERTANIAN PRESISI DI INDONESIA

Aristyo R. Wijaya, Armi Susandi

Abstract


Sebagai negara berkembang, aktivitivas ekonomi Indonesia hampir sepenuhnya bergantung pada aktivitas agrikultur. Meskipun sebagai produser makanan terbesar di Asia Tenggara, Pemerintah Indonesia didominasi oleh kekhawatiran mengenai ketahanan pangan dalam negeri. Sehingga, dalam upaya menghadapi kekhawatiran tersebut, Pemerintah Indonesia mengupayakan perbaikan dan peningkatan fasilitas di sektor pertanian. Namun, tujuan peningkatan ini menghadapi banyak kendala yang muncul seperti dampak dan risiko ketidakpastian cuaca ekstrim atau peristiwa iklim. Salah satu cara alternatif untuk memitigasi risiko adalah dengan pendekatan yang dikenal sebagai Climate Smart Agriculture (CSA). Konsep CSA juga membantu petani dengan melalui pembiayaan berbasis prediksi, penggabungan asuransi berbasis indeks dan prediksi indeks, dalam konteks spesifik dari El Nino Southern Oscillation (ENSO) terkait peristiwa cuaca. Penelitian ini akan memperkenalkan konsep pembiayaan perkiraan yang menggabungkan asuransi berbasis indeks dan prediksi indeks untuk perlindungan kegiatan pertanian Indonesia. Secara umum, asuransi berbasis indeks menyajikan alternatif unik untuk produk asuransi tradisional, terutama di Indonesia, di mana kapasitas administrasi rendah, kredit terbatas, dan bantuan untuk bencana masa lalu telah tertunda. Asuransi berbasis indeks dapat memainkan peran besar dalam meningkatkan ketahanan masyarakat.

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References


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