REVIEW OF INFORMAL SOCIAL PROTECTION INNOVATIONS IN MUTUAL AID AND MICROINSURANCE
REVIEW INOVASI PERLINDUNGAN SOSIAL INFORMAL PADA GOTONG ROYONG DAN ASURANSI MIKRO
Keywords:
Perlindungan Sosial Informal, Gotong Royong, Asuransi Mikro, COVID-19
Abstract
Kemunculan pandemi COVID-19 disertai digitalisasi membuat masyarakat melakukan adaptasi dan inovasi. Hal ini dapat dilihat pada perlindungan sosial informal. dimana konsep lokal memasukkan teknologi dan melakukan restrukturasi kelembagaan. Tulisan ini bertujuan untuk melihat motif inovasi perlindungan sosial informal pada masa pandemi. Untuk mencapai tujuan itu kami menggunakan pendekatan kajian literatur sistematis dengan mengkaji literature penelitian darii basis data jurnal. Temuan menunjukkan jika motif inovasi perlindungan sosial informal cenderung mengarah pada ekonomi walaupun ada motif lain seperti kesehatan dan sosial. Inovasi ini memiliki potensi jangka pendek dan jangka panjang. Inovasi bertahan dalam jangka pendek jika pola-pola sebelum pandemi masih lebih unggul. Adapun dapat berefek jangka panjang jika inovasi ini mampu membuat perlindungan sosial informal bertahan dan maju. Kami menilai jika inovasi berupa penggunaan teknologi hanya sebagai media perlindungan sosial informal dan esensinya terletak pada nilai-nilai yang ada pada konsep itu. Keterbatasan perlindungan sosial informal perlu dipertimbangkan sehingga konsep ini perlu berkolaborasi dengan perlindungan sosial formal
Downloads
Download data is not yet available.
References
Alene, G. D., Duncan, J., & Dijk, H. Van. (2023). Government through clanship: governing Ethiopias’s Somali pastoralists through a community-based social protection programme. Critical Social Policy, 43(1), 157–177. https://doi.org/10.1177/02610183221119718
Alip, J. A. B., & Amenomori, T. (2011). Formalizing Grassroots Social Security: The Experience of CARD in the Philippines. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 64–78). Routledge.
BPS. (2021). Pertumbuhan Ekonomi Indonesia Triwulan IV-2020.
BPS. (2022). Indikator Kesejahteraan Rakyat 2022;Kajian Pembangunan Teknologi Informasi dan Komunikasi (TIK) Serta Dampaknya Terhadap Ketenagakerjaan dan Ketimpangan Pendapatan.
Chummun, B. Z. (2017). Mobile microinsurance and finansial inclusion; the case of developing african countries. Africa Growth Agenda, 2017(3), 12–16. https://journals.co.za/doi/10.10520/EJC-b1d5121a4
Devereux, S. (2021). Social protection responses to COVID-19 in Africa. Global Social Policy, 21(3), 421–447. https://doi.org/10.1177/14680181211021260
Dinç, Y., Jahangir, R., & Nagayev, R. (2022). Economics of savings-based finance; an interest-free model rotating savings and credit association in Turkey. Journal of Islamic Accounting and Business Research, 13(2), 338–363. https://doi.org/10.1108/JIABR-04-2021-0115
Faturochman. (1996). Jaminan sosial dalam transisi. Populasi; Jurnal Kependudukan Dan Kebijakan, 7(2), 43–54. https://doi.org/https://doi.org/10.22146/jp.11497
Ford, M., & Honan, V. (2019). The limits of mutual aid; emerging forms of collectivity among app-based transport workers in Indonesia. Journal of Industrial Relations, 0(0), 1–21. https://doi.org/10.1177/0022185619839428
Hadi, E. A. (2020). Daya tahan baitul mal wat tamwil dalam arus revolusi industry 4.0. Ekonomi Insentif, 14(2), 77–90. https://doi.org/https://doi.org/10.36787/jei.v14i2.218
Hosaka, M., & Midgley, J. (2011). Conclusion; Mutual Aid, Microinsurance and Social Security For All. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 139–149). Routledge.
International Labour Organization. (2020). Pemantauan ILO: COVID-19 dan Dunia Kerja. Edisi Keempat.
Kabuya, F. I. (2015). The Rotating Savings and Credit Associations (ROSCAs): Unregistered Sources 0f Credit in Local Communities. IOSR Journal Of Humanities And Social Science, 20(8), 95–98. https://doi.org/10.9790/0837-20849598
Karakara, A. A., Osabuohien, E. S., Nwachukwu, J. C., & Osabohien, R. A. (2021). Innovations in savings behaviour and agricultural business support for women: the Ghanian ‘Money-Box. Journal of Reproductive Health, 25(5s), 147–158. https://doi.org/10.29063/ajrh2021/v25i5s.14
Kustiningsih, W., & Nurhadi. (2020). Penguatan Modal Sosial dalam Mitigasi COVID-19. In W. Mas’udi & P. S. Winanti (Eds.), Tata Kelola Penanganan COVID-19 di Indonesia: Kajian Awal (pp. 179–193). Gadjah Mada University Press.
Ma’ruf, A., Azizah, E. N., & Sari, J. A. (2022). How do Baitul Maal Wat Tamwil empower micro, small and medium enterprises amidst COVID-19 pandemic? a case of Indonesia. JIFA; Journal of Islamic Finance and Accounting, 5(1), 40–50. https://doi.org/https://doi.org/10.22515/jifa.v5i1.5357
Macionis, J. J. (2017). Sociology (16th ed.). Pearson Education.
Midgley, J. (2011a). Challenges to mutual aid: The microinsurance response. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 29–43). Routledge.
Midgley, J. (2011b). Understanding Mutual Aid. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia; Mutual Aid, Microinsurance and Social Welfare (pp. 15–28). Routledge.
Mohanty, M. (2011). Pacific_Informal social protection and social development. Asia-Pacific Development Journal, 18(2), 25–56.
Mumtaz, Z., & Whiteford, P. (2021). Comparing formal and informal social protection; a case study exploring the usefulness of informal social protection in Pakistan. Journal of International and Comparative Social Policy, 37(3), 243–272. https://doi.org/10.1017/ics.2021.9
Niyonsaba, B., Adenikinju, A., & Ntoiti, M. (2022). Rotating and Accumulating Savings and Credit Associations as Effective Tool for Enhancing the Women Entrepreneurship. A Theoretical Review. European Scientific Journal, ESJ, 18(22), 141. https://doi.org/10.19044/esj.2022.v18n22p141
Okamoto, M. (2011). An analysis of India’s social protection system for low-income population. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 123–135). Routledge.
Oware, P. M. (2020). Informal social protection actors; a focus on women self-help groups in Kenya. International Social Work, 63(5), 612–625. https://doi.org/10.1177/0020872820940013
Papadopoulos, T., & Roumpakis, A. (2017). Family as a Socio-economic Actor in the Political Economies of East and South East Asian Welfare Capitalisms. Social Policy and Administration, 51(6), 857–875. https://doi.org/10.1111/spol.12336
Pusat Data dan Teknologi Informasi Ketenagakerjaan. (2021). Ketenagakerjaan dalam Data Edisi 4 Tahun 2021.
Putnam, R. D. (2000). Bowling Alone: The Collapse and Revival Of American Community. Simon & Schuster.
Respa, C., & Imelda, J. D. (2021). Digital capital as informal social protection in the pandemic covid-19’s era (case study of the wayang kulit association in Yogyakarta). Journal of Humanities and Social Studies, 5(2), 242–246. https://doi.org/10.33751/jhss.v5i3.3994
Revollah, M. N., Makmur, M. F. D., Linggi, J. J. D. A., & Bakri, R. (2022). Phenomenon and potential of the grain arisan as a social modal source based on financial technology in Sidrap District. Agro Ekonomi, 33(2), 106–117. https://doi.org/http://doi.org/10.22146/ae.73867
Sedai, A. K., Vasudevan, R., & Pena, A. A. (2021). Friends and benefits? endogenous rotating saving and credit associations as alternative for women’s empowerment in India. World Development, 145, 1–23. https://doi.org/https://doi.org/10.1016/j.worlddev.2021.105515
Sirojuddin, & Midgley, J. (2011). Grassroots Social Security in Indonesia; the Role of Islamic Associations. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia; Mutual Aid, Microinsurance and Social Welfare (pp. 47–63). Routledge.
Spitzer, H., & Twikirize, J. (2023). Social innovations in rural communities in Africa’s Great Lakes region. A social work perspective. Journal of Rural Studies, 99, 262–271. https://doi.org/https://doi.org/10.1016/j.jrurstud.2021.10.013
Stoffle, B. W., Stoffle, R. W., Minnis, J., & Vlack, K. Van. (2014). Women’s power and community resilience rotating savings and credit associations in Barbados and the Bahamas. Caribbean Studies, 42(1), 45–69. https://www.jstor.org/stable/24367835
Sutiyo, S. (2023). A neo-institutional analysis of social protection; insights from Indonesia. Global Social Policy, 23(2), 268–285. https://doi.org/10.1177/14680181221144559
Tan, S., & Savani, M. M. (2022). Making sense of sustainability how institutional design can sustain informal savings and credit groups. The International Journal of Community and Social Development, 4(2), 152–179. https://doi.org/10.1177/25166026221085085
Wango, N. C., Limbumba, T. M., Msoka, C. T., & Kombe, W. (2022). The engagement of informal social organisations in social security mobilisation in Tanzania. Journal of Social Science Research and Review, 5(7), 212–223. https://doi.org/http://dx.doi.org/10.47814/ijssrr.v5i7.403
Wango, N. C., Massam, W. E., Limbumba, T. M., Msoka, C. T., & Kombe, W. (2021). Inclusion of informal economic actors in voluntary social security schemes: a study of motorcycle taxi service (boda-boda) in Dar es Salaam. International Journal of Development and Sustainability, 10(10–12), 391–405. https://doi.org/IJDS22032901
Xiao, Y., & Watson, M. (2019). Guidance on Conducting a Systematic Literature Review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971
Yaasin, M. A. (2020). Preferensi arisan sebagai sumber modal di era digital (studi di Pasar Darmo Trade Center). Jurnal Ekonomi, Manajemen, Bisnis Dan Sosial (EMBISS), 2(1), 15–27. https://embiss.com/index.php/embiss/article/view/53
Yuda, T. K. (2020). Re-examining the institutional layering of social policy configuration in Indonesia. Journal of Asian Public Policy, 13(3), 353–365. https://doi.org/https://doi.org/10.1080/17516234.2019.1662164
Yuda, T. K. (2021). Kebijakan Sosial di Asia Timur: Transformasi Ide dan Relevansi Pendekatan. PT Kanisius.
Zambrano, A. F., Giraldo, L. F., Perdomo, M. T., Hernández, I. D., & Godoy, J. M. (2023). Rotating savings and credit associations; a scoping review. World Development Sustainability, 3, 1–12. https://doi.org/https://doi.org/10.1016/j.wds.2023.100081
Alip, J. A. B., & Amenomori, T. (2011). Formalizing Grassroots Social Security: The Experience of CARD in the Philippines. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 64–78). Routledge.
BPS. (2021). Pertumbuhan Ekonomi Indonesia Triwulan IV-2020.
BPS. (2022). Indikator Kesejahteraan Rakyat 2022;Kajian Pembangunan Teknologi Informasi dan Komunikasi (TIK) Serta Dampaknya Terhadap Ketenagakerjaan dan Ketimpangan Pendapatan.
Chummun, B. Z. (2017). Mobile microinsurance and finansial inclusion; the case of developing african countries. Africa Growth Agenda, 2017(3), 12–16. https://journals.co.za/doi/10.10520/EJC-b1d5121a4
Devereux, S. (2021). Social protection responses to COVID-19 in Africa. Global Social Policy, 21(3), 421–447. https://doi.org/10.1177/14680181211021260
Dinç, Y., Jahangir, R., & Nagayev, R. (2022). Economics of savings-based finance; an interest-free model rotating savings and credit association in Turkey. Journal of Islamic Accounting and Business Research, 13(2), 338–363. https://doi.org/10.1108/JIABR-04-2021-0115
Faturochman. (1996). Jaminan sosial dalam transisi. Populasi; Jurnal Kependudukan Dan Kebijakan, 7(2), 43–54. https://doi.org/https://doi.org/10.22146/jp.11497
Ford, M., & Honan, V. (2019). The limits of mutual aid; emerging forms of collectivity among app-based transport workers in Indonesia. Journal of Industrial Relations, 0(0), 1–21. https://doi.org/10.1177/0022185619839428
Hadi, E. A. (2020). Daya tahan baitul mal wat tamwil dalam arus revolusi industry 4.0. Ekonomi Insentif, 14(2), 77–90. https://doi.org/https://doi.org/10.36787/jei.v14i2.218
Hosaka, M., & Midgley, J. (2011). Conclusion; Mutual Aid, Microinsurance and Social Security For All. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 139–149). Routledge.
International Labour Organization. (2020). Pemantauan ILO: COVID-19 dan Dunia Kerja. Edisi Keempat.
Kabuya, F. I. (2015). The Rotating Savings and Credit Associations (ROSCAs): Unregistered Sources 0f Credit in Local Communities. IOSR Journal Of Humanities And Social Science, 20(8), 95–98. https://doi.org/10.9790/0837-20849598
Karakara, A. A., Osabuohien, E. S., Nwachukwu, J. C., & Osabohien, R. A. (2021). Innovations in savings behaviour and agricultural business support for women: the Ghanian ‘Money-Box. Journal of Reproductive Health, 25(5s), 147–158. https://doi.org/10.29063/ajrh2021/v25i5s.14
Kustiningsih, W., & Nurhadi. (2020). Penguatan Modal Sosial dalam Mitigasi COVID-19. In W. Mas’udi & P. S. Winanti (Eds.), Tata Kelola Penanganan COVID-19 di Indonesia: Kajian Awal (pp. 179–193). Gadjah Mada University Press.
Ma’ruf, A., Azizah, E. N., & Sari, J. A. (2022). How do Baitul Maal Wat Tamwil empower micro, small and medium enterprises amidst COVID-19 pandemic? a case of Indonesia. JIFA; Journal of Islamic Finance and Accounting, 5(1), 40–50. https://doi.org/https://doi.org/10.22515/jifa.v5i1.5357
Macionis, J. J. (2017). Sociology (16th ed.). Pearson Education.
Midgley, J. (2011a). Challenges to mutual aid: The microinsurance response. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 29–43). Routledge.
Midgley, J. (2011b). Understanding Mutual Aid. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia; Mutual Aid, Microinsurance and Social Welfare (pp. 15–28). Routledge.
Mohanty, M. (2011). Pacific_Informal social protection and social development. Asia-Pacific Development Journal, 18(2), 25–56.
Mumtaz, Z., & Whiteford, P. (2021). Comparing formal and informal social protection; a case study exploring the usefulness of informal social protection in Pakistan. Journal of International and Comparative Social Policy, 37(3), 243–272. https://doi.org/10.1017/ics.2021.9
Niyonsaba, B., Adenikinju, A., & Ntoiti, M. (2022). Rotating and Accumulating Savings and Credit Associations as Effective Tool for Enhancing the Women Entrepreneurship. A Theoretical Review. European Scientific Journal, ESJ, 18(22), 141. https://doi.org/10.19044/esj.2022.v18n22p141
Okamoto, M. (2011). An analysis of India’s social protection system for low-income population. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare (pp. 123–135). Routledge.
Oware, P. M. (2020). Informal social protection actors; a focus on women self-help groups in Kenya. International Social Work, 63(5), 612–625. https://doi.org/10.1177/0020872820940013
Papadopoulos, T., & Roumpakis, A. (2017). Family as a Socio-economic Actor in the Political Economies of East and South East Asian Welfare Capitalisms. Social Policy and Administration, 51(6), 857–875. https://doi.org/10.1111/spol.12336
Pusat Data dan Teknologi Informasi Ketenagakerjaan. (2021). Ketenagakerjaan dalam Data Edisi 4 Tahun 2021.
Putnam, R. D. (2000). Bowling Alone: The Collapse and Revival Of American Community. Simon & Schuster.
Respa, C., & Imelda, J. D. (2021). Digital capital as informal social protection in the pandemic covid-19’s era (case study of the wayang kulit association in Yogyakarta). Journal of Humanities and Social Studies, 5(2), 242–246. https://doi.org/10.33751/jhss.v5i3.3994
Revollah, M. N., Makmur, M. F. D., Linggi, J. J. D. A., & Bakri, R. (2022). Phenomenon and potential of the grain arisan as a social modal source based on financial technology in Sidrap District. Agro Ekonomi, 33(2), 106–117. https://doi.org/http://doi.org/10.22146/ae.73867
Sedai, A. K., Vasudevan, R., & Pena, A. A. (2021). Friends and benefits? endogenous rotating saving and credit associations as alternative for women’s empowerment in India. World Development, 145, 1–23. https://doi.org/https://doi.org/10.1016/j.worlddev.2021.105515
Sirojuddin, & Midgley, J. (2011). Grassroots Social Security in Indonesia; the Role of Islamic Associations. In J. Midgley & M. Hosaka (Eds.), Grassroots Social Security in Asia; Mutual Aid, Microinsurance and Social Welfare (pp. 47–63). Routledge.
Spitzer, H., & Twikirize, J. (2023). Social innovations in rural communities in Africa’s Great Lakes region. A social work perspective. Journal of Rural Studies, 99, 262–271. https://doi.org/https://doi.org/10.1016/j.jrurstud.2021.10.013
Stoffle, B. W., Stoffle, R. W., Minnis, J., & Vlack, K. Van. (2014). Women’s power and community resilience rotating savings and credit associations in Barbados and the Bahamas. Caribbean Studies, 42(1), 45–69. https://www.jstor.org/stable/24367835
Sutiyo, S. (2023). A neo-institutional analysis of social protection; insights from Indonesia. Global Social Policy, 23(2), 268–285. https://doi.org/10.1177/14680181221144559
Tan, S., & Savani, M. M. (2022). Making sense of sustainability how institutional design can sustain informal savings and credit groups. The International Journal of Community and Social Development, 4(2), 152–179. https://doi.org/10.1177/25166026221085085
Wango, N. C., Limbumba, T. M., Msoka, C. T., & Kombe, W. (2022). The engagement of informal social organisations in social security mobilisation in Tanzania. Journal of Social Science Research and Review, 5(7), 212–223. https://doi.org/http://dx.doi.org/10.47814/ijssrr.v5i7.403
Wango, N. C., Massam, W. E., Limbumba, T. M., Msoka, C. T., & Kombe, W. (2021). Inclusion of informal economic actors in voluntary social security schemes: a study of motorcycle taxi service (boda-boda) in Dar es Salaam. International Journal of Development and Sustainability, 10(10–12), 391–405. https://doi.org/IJDS22032901
Xiao, Y., & Watson, M. (2019). Guidance on Conducting a Systematic Literature Review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971
Yaasin, M. A. (2020). Preferensi arisan sebagai sumber modal di era digital (studi di Pasar Darmo Trade Center). Jurnal Ekonomi, Manajemen, Bisnis Dan Sosial (EMBISS), 2(1), 15–27. https://embiss.com/index.php/embiss/article/view/53
Yuda, T. K. (2020). Re-examining the institutional layering of social policy configuration in Indonesia. Journal of Asian Public Policy, 13(3), 353–365. https://doi.org/https://doi.org/10.1080/17516234.2019.1662164
Yuda, T. K. (2021). Kebijakan Sosial di Asia Timur: Transformasi Ide dan Relevansi Pendekatan. PT Kanisius.
Zambrano, A. F., Giraldo, L. F., Perdomo, M. T., Hernández, I. D., & Godoy, J. M. (2023). Rotating savings and credit associations; a scoping review. World Development Sustainability, 3, 1–12. https://doi.org/https://doi.org/10.1016/j.wds.2023.100081
Published
2024-01-11
How to Cite
Muhammad Rezki, & David Safri Anggara. (2024). REVIEW OF INFORMAL SOCIAL PROTECTION INNOVATIONS IN MUTUAL AID AND MICROINSURANCE: REVIEW INOVASI PERLINDUNGAN SOSIAL INFORMAL PADA GOTONG ROYONG DAN ASURANSI MIKRO. Progress In Social Development, 5(1), 90-97. https://doi.org/10.30872/psd.v5i1.78
Section
Articles
