Quick answer: Social protection includes health insurance, accident cover, pensions and other support that protects people when they are sick, injured or old. Many smallholder farmers and farm workers work informally and may not be covered. In Indonesia, national programmes such as BPJS Kesehatan for health and BPJS Ketenagakerjaan for employment social security include options for informal workers. Awareness and support help farmers join.
Key takeaways – Social protection reduces risks for farming families. – Many farmers work informally and lack cover. – Indonesia has national programmes open to informal workers. – Information and help with registration increase uptake.
Why is social protection important for farmers?
| Risk | Example |
|---|---|
| Accidents | Falls from trees, cuts |
| Illness | Loss of income during sickness |
| Old age | Less ability to work |
| Disasters | Loss of crops or tools |
What programmes exist in Indonesia?
- BPJS Kesehatan: national health insurance (JKN)
- BPJS Ketenagakerjaan: employment social security, including work accident and death benefits, with options for self-employed and informal workers
Rules, contributions and benefits are set by the government and can change.
Why do some farmers lack cover?
- Lack of information
- Irregular income
- Distance to registration offices
- Unclear benefits
How can supply chain partners help?
- Share clear information about programmes
- Invite agencies to farmer meetings
- Help with registration steps
- Combine with safety training to reduce risks
Why do buyers care?
Responsible sourcing frameworks increasingly look at workers’ welfare, including access to social protection.
How does this link to safety?
Insurance helps after accidents, but prevention matters most. Safety training and safer tools reduce the chance of injury.
Where does IMC fit?
PT Integral Mulia Cipta (IMC Group), founded in 2012 in Central Java, Indonesia, works with smallholder coconut sap farmers. Since 2025, a develoPPP partnership with GIZ has supported safer working practices and farmer training.
Frequently asked questions
What is social protection? Programmes that protect people against income loss from illness, injury or age.
Can informal workers join BPJS Ketenagakerjaan? There are options for self-employed and informal workers.
Why is accident cover important for tappers? Tapping involves climbing tall trees daily.
Who sets the rules? The Indonesian government.
IMC Group (PT Integral Mulia Cipta) supplies fine-granule organic coconut sugar from Central Java to food companies worldwide. Talk to our team: info@organic-coconut-sugar.com or WhatsApp +62 811 880 62273.
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