Our Expertise
East Nusa Tenggara (NTT) is one of the provinces in Indonesia with a relatively high poverty rate. For this reason, many poverty reduction programs have been implemented in this region, including microfinance services. This study aims to look at the dynamics of the supply of, and demand for, microfinance services in connection with poverty reduction in NTT.
Kabupaten Sumba Timur is one of 29 kabupaten/kota that were included in the test piloting of the JPK-Gakin program. Since 2003, the local health agency (Bapel) has been quite successful in managing this program. The program that is funded by the government from fuel subsidy allocations has already touched the poor whose numbers are quite significant (75% of the population are poor families) in Sumba Timur.
Based on the notion that good health is one of the basic right of all citizens, the Government of Indonesia (GoI) has promoted programs on health care financing for the poor. One of these programs is the Jaminan Pemeliharaan Kesehatan (JPK). In 2003, the pilot project on JPK for the poor (JPK-Gakin) started in 15 districts and two provinces, and was expanded to additional regions the following year.
Purbalingga is the first kabupaten in Indonesia to start implementing its health insurance scheme for the poor, as a replacement for the JPS-BK scheme (Social Safety Net Program – Health Sector). Poor families (Gakin) receive a range of health insurance services that are subsidized by the government free-of-charge, while better-off families pay a premium of only 50% or 100%.
The selection criteria for research locations for Moving Out of Poverty (MOP) in Indonesia uses two main variables: the level of conflict intensity and level of economic growth. The village of Gura in Kabupaten Halmahera, in the Province of Maluku Utara, represents the sample area with a high conflict intensity and high economic growth.

