Suchergebnisse

Farmers often suffer losses due to crop failure. The failure of the harvest is influenced by one of them is flooding, especially in Bandung which is quite frequent rain. Therefore one of the government's efforts to minimize losses from crop failures is the existence of an agricultural insurance program. The insurance system used is climate index insurance where the climate index is not plant insurance. This study aims to get a large premium to be paid by farmers using the Black-Scholes method. Meanwhile, to determine the climate index using the Historical Burn Analysis method. The results of this study are getting a variety of trigger values and exit values as well as the amount of premium that must be paid by farmers every planting season. Trigger values represent the minimum full payment limit. The exit value represents the maximum limit for no payment. The premium value obtained based on the selected trigger value also varies and is large enough so that it can be considered by farmers in choosing an agricultural insurance policy. Therefore, the method used must still be investigated to adjust to farmers, especially in Bandung.

Flooding in Citarum always happens in Bandung District which causes loss of property, household damage, diseases moreover decease. The government provides aid for flood victims, but the help is not cover losses. In this circumstance, people need insurance. This study aims to set up flood insurance based on economic conditions, areas, and losses due to flooding. To find out the conditions, interviewed the village chief of Baleendah. The analytical methods used are linear regression analysis and analysis method mix. Linear regression analysis was used to estimate flood losses that will serve as the sum insured in the form of insurance products. Analysis mixture consisting of identification areas, conditions, and alternative insurance models used to establish the right flood insurance for Baleendah. Results show the estimation of flood losses and flood insurance appropriate to the condition of Baleendah.