Abstract
The increasing frequency and intensity of disasters worldwide pose significant financial challenges across all levels of society. Catastrophic events such as earthquakes, tsunamis, volcanic eruptions, floods, droughts, landslides, and liquefaction disrupt economies, strain fiscal resources, and threaten sustainable development. Indonesia, situated in one of the most hazard prone regions globally, faces heightened risks due to its complex interplay of tectonic, climatic,and socio-economic vulnerabilities. This study examines disaster risk financing (DRF) as a strategic mechanism to strengthen financial resilience against these escalating threats. Instruments such as risk transfer mechanisms, insurance schemes, public–private partnerships, and contingency funds are explored as essential complements to conventional disaster management. In Indonesia, where disaster losses often exceed government budgets and recovery needs surpass available resources, DRF offers critical pathways to reduce funding gaps and enhance preparedness. At the community level, resilience depends on the ability to access and utilize financial mechanisms such as microinsurance, savings groups, risk-sharing initiatives, and emergency funds. Strengthening financial literacy, expanding inclusive access, and providing institutional support are vital to sustaining livelihoods after disasters, particularly in rural and coastal areas where socio-economic disparities and geographic isolation limit formal financial options. By emphasizing community-based disaster risk financing, this research highlights the importance of locally driven solutions that align with national policies and global frameworks. Integrating grassroots strategies with Indonesia’s evolving disaster risk management systems contributes to building financial resilience among vulnerable populations. Ultimately, the study seeks to ensure that Indonesian households and institutions can withstand recurring disaster risks while safeguarding development gains and advancing national resilience.
| Date of Award | 15 Apr 2026 |
|---|---|
| Original language | English |
| Supervisor | Michael Ginger (Main Supervisor) & Richard Haigh (Co-Supervisor) |