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Title: | Pengembangan kebijakan asuransi lingkungan dalam menunjang pengelolaan pertambangan emas berkelanjutan di Kabupaten Tanggamus Provinsi Lampung Environmental insurance development to support sustainable gold mining in Tanggamus District Province of Lampung |
Authors: | Darusman, Dudung Ramdan, Hikmat Sutjahjo, Surjono H. Gunarto, Toto |
Keywords: | Gold Mining Environmental Risk Environmental Insurance |
Issue Date: | 2010 |
Publisher: | IPB (Bogor Agricultural University) |
Abstract: | Kegiatan usaha pertambangan emas yang secara ekonomi menguntungkan di dalam proses produksinya memiliki resiko lingkungan yang merugikan secara ekonomi, ekologis, dan sosial. Resiko lingkungan yang terjadi dalam ketidakpastian (uncertainity) dan bersifat merugikan perlu dihindari. Upaya menghindari resiko dapat dilakukan dengan dua pendekatan, yaitu (a) menghindari kesalahan, kelalaian, dan kealpaan dalam proses pertambangan yang menyebabkan resiko lingkungan; atau (b) melimpahkan resiko kepada pihak lain di luar pelaku usaha melalui asuransi atau pertanggungan (liability) resiko. Pertanggungan resiko akibat kegiatan pertambangan yang berpotensi menimbulkan kerugian ekonomi besar kepada lembaga asuransi merupakan pilihan yang rasional bagi pelaku usaha berskala besar seperti pertambangan emas. Asuransi lingkungan berperan untuk mengurangi resiko lingkungan dan meningkatkan keberlanjutan pembangunan. Asuransi dapat meningkatkan alokasi efektif dari biaya kerusakan lingkungan dan menyediakan insentif untuk menghalangi perilaku yang tidak bertanggungjawab terhadap lingkungan. Asuransi penting agar kegiatan ekonomi berjalan, dimana tanpa asuransi kegiatan bisnis dan individu umumnya tidak akan mau mengambil resiko dan melindungi asetasetnya. Asuransi mendorong pelaku ekonomi untuk mendapatkan aset dan menginvestasikannya untuk masa depan, serta memungkinkan bagi korban terasuransi untuk mendapatkan perlindungan finansial apabila terjadi kecelakaan. Environmental risks of gold mining can be occurred by tort, dereliction and negligence at uncertain time and has potential damages to the environment and community health. The estimate value of environmental risk at the reseacrh area during exploitation time (13 years) are Rp. 12.562.859.750,- which be equial to the total expectation loss with the pure premium value was Rp. 676.461.679 per year. If the asurance management cost was 30% of the pure premium value, then the premium value must be payed per year was Rp. 966.373.827,- Because of the value of premium is under the earned production value (Rp35.496.329.077.- per year), so the environmental insurance was feasible economically. By the environmenral insurance, the corporate will earn bigger benefits during it’s exploitation, because the liabiilty fund was provided by the third party namely the insurance company. In Indonesia, The Act which regulate the environmental protection and management, and the act of minerals and coal mining was good enough as law base in developing the environmental insurance. In addition, the environmental insurance as environmental economic instrument is expected to be more effective than the command and control policy instrument in supporting sustainable gold mining. |
URI: | http://repository.ipb.ac.id/handle/123456789/55245 |
Appears in Collections: | DT - Multidiciplinary Program |
Files in This Item:
File | Description | Size | Format | |
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2010tgu.pdf Restricted Access | full text | 2.93 MB | Adobe PDF | View/Open |
Abstract.pdf Restricted Access | Abstract | 291.53 kB | Adobe PDF | View/Open |
BAB I Pendahuluan.pdf Restricted Access | BAB I | 356.27 kB | Adobe PDF | View/Open |
BAB II Tinjauan Pustaka.pdf Restricted Access | BAB II | 368.27 kB | Adobe PDF | View/Open |
BAB III Metode Penelitian.pdf Restricted Access | BAB III | 320.61 kB | Adobe PDF | View/Open |
BAB IV Keadaan Umum.pdf Restricted Access | BAB IV | 418.65 kB | Adobe PDF | View/Open |
BAB V Estimasi Nilai Resiko Lingkungan Kegiatan Pertambahan Emas.pdf Restricted Access | BAB V | 701.24 kB | Adobe PDF | View/Open |
BAB VI Analisis Kebijakan dan Peraturan Perundang-undangan Asuransi Lingkungan Hidup.pdf Restricted Access | BAB VI | 325.72 kB | Adobe PDF | View/Open |
BAB VII Analisis Pengembangan Kelembagaan Asuransi Lingkungan.pdf Restricted Access | BAB VII | 523.76 kB | Adobe PDF | View/Open |
BAB VIII Prioritas Pengendalian Resiko Lingkungan dan Asuransi Lingkungan.pdf Restricted Access | BAB VIII | 323.09 kB | Adobe PDF | View/Open |
BAB IX Pembahasan Umum.pdf Restricted Access | BAB IX | 294.35 kB | Adobe PDF | View/Open |
BAB X Rekomendasi Kebijakan.pdf Restricted Access | BAB X | 284.2 kB | Adobe PDF | View/Open |
BAB XI Kesimpulan dan Saran.pdf Restricted Access | BAB XI | 281.84 kB | Adobe PDF | View/Open |
Cover.pdf Restricted Access | Cover | 277.92 kB | Adobe PDF | View/Open |
Daftar Pustaka.pdf Restricted Access | Daftar Pustaka | 287.44 kB | Adobe PDF | View/Open |
Lampiran.pdf Restricted Access | Lampiran | 1.66 MB | Adobe PDF | View/Open |
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