Resilience toward volcanic eruptions: Risk perception and disaster microinsurance in Yogyakarta, Indonesia

A.G. Brata, H.L.F. de Groot, P. Rietveld, B.P. Resosudarmo, W. Zant

Research output: Contribution to JournalArticleAcademicpeer-review


Disaster microinsurance has been argued to enhance people’s resilience toward natural hazards. In developing countries, however, the uptake of this insurance scheme has been limited. This paper investigates the influence of the perception of disaster risks on the probability of local people participating in a hypothetical disaster microinsurance scheme. We use household data to assess a specific disaster risk, notably the risk of an eruption of the Mount Merapi in Yogyakarta. We find that this perception positively influences the interest to participate in disaster microinsurance. We also find that insurance literacy has a strong positive relationship with the respondent’s interest to participate in disaster microinsurance.
Original languageEnglish
Article number8912
JournalSustainability (Switzerland)
Issue number16
Publication statusPublished - 2 Aug 2021


Funding: This research was funded by Republic of Indonesia from the Indonesian Directorate General of Higher Education under a scholarship for A.G.B, and a support from Atma Jaya Yogyakarta University. Data collection was funded by the Australian National University (ANU)’s Indonesia Project.

FundersFunder number
Atma Jaya Yogyakarta University
Indonesian Directorate General of Higher Education
Australian National University

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