Enhancing Farmers Human Capital and Awareness Digital Agricultural Insurance in Multi-Hazard Prone Area of Temon, Kulon Progo

DOI

10.2991/978-94-6239-715-6_12How to use a DOI?

Keywords

AUTP; digital agricultural insurance; multi-hazard-prone area

Abstract

This study explores strategies for enhancing farmers’ human capital and awareness to improve the adoption of digital agricultural insurance in multi-hazard-prone areas of Kulon Progo, Indonesia. As a disaster-prone region frequently impacted by floods, droughts, and pest outbreaks, Kulon Progo’s rice farmers face significant risks that threaten crop yields and livelihoods. The government’s Rice Farming Insurance Program (Asuransi Usaha Tani Padi - AUTP) offers subsidized financial protection against such risks, but adoption remains limited due to challenges including low awareness, procedural complexity, and digital literacy barriers. Through qualitative research involving key informant interviews, this study identifies critical human capital factors affecting farmers’ engagement with digitalized AUTP platforms. Using triangulation method, results indicate that increasing farmers’ knowledge, digital skills, and trust in insurance mechanisms is essential to enhance participation. Furthermore, the growing familiarity of farmers with digital technology presents a valuable opportunity to expand the reach and effectiveness of digital agricultural insurance in Kulon Progo. Strengthening educational outreach, simplifying insurance processes, and fostering collaboration between government agencies, insurers, and farmer groups are recommended to build resilience against natural disaster-induced risks. This research underscores the importance of integrating human capital development with technological innovation to support sustainable agriculture and disaster risk management in Indonesia’s vulnerable rural communities.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Deden Kurniawan
AU  - Yuphi Handoko Suparmoko
AU  - Sugeng Priyanto
AU  - Taqwa Putra Budi Sidi Hiram
PY  - 2026
DA  - 2026/06/20
TI  - Enhancing Farmers Human Capital and Awareness Digital Agricultural Insurance in Multi-Hazard Prone Area of Temon, Kulon Progo
BT  - Proceedings of the International Conference on Cross- Disciplinary Academic Research 2025 - Track 2 Advances in Business & Economics, Social Science, Communications & Media (ICAR-T2 2025)
PB  - Atlantis Press
SP  - 165
EP  - 179
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-715-6_12
DO  - 10.2991/978-94-6239-715-6_12
ID  - Kurniawan2026
ER  -