Asuransi Masyarakat: Community Based Urban Poor Safety Net

Asuransi Masyarakat: Community Based Urban Poor Safety Net

Organization type: 
nonprofit/ngo/citizen sector
Project Stage:
$1,000 - $10,000
Project Summary
Elevator Pitch

Concise Summary: Help us pitch this solution! Provide an explanation within 3-4 short sentences.

Asuransi Masyarakat, Community Based Urban Poor Safety Net – empowering poor urban community to help themselves in improving their welfare and neighbourhood.

About Project

Problem: What problem is this project trying to address?

Economic pressure and lack of access to resources have made urban slum a stressful neighborhood. To name some typical problems: seasonal flood, difficult access to funding for health or working capital, and drug abuse. Most residents linger in apathy, while some others resort to vicious cycle of violence and criminality. While the problems are seemingly easy to solve, diminishing social cohesion made it difficult for people to come with an initiative and mobilize the community to create change. E.g. sometimes it takes only a small amount of Rp 50.000-200.000 (about 5-20 USD) for a micro-venture to sustain, but there’s nowhere to access the fund they needed.

Solution: What is the proposed solution? Please be specific!

We mobilize the problem maker, stigmatized ex-recidivists, and youth to start seeing the problem in their surrounding as an opportunity for local community based venture on public service. They become the most strategic group in the neighborhood, as they have built strong sense of solidarity among themselves, a strong (though initially negative) influence among the community, and a high motivation to break the stigma to start anew. This local venture becomes the entry point to build a financial capital for a community based micro-lending platform and a social capital to mobilize the whole neighborhood for improvement.
Impact: How does it Work

Example: Walk us through a specific example(s) of how this solution makes a difference; include its primary activities.

We started with a group of 16 ex-recidivists to create a local waste disposal service (the area was previously not covered by city disposal service, community used to dispose their garbage to the nearby river). The venture serve local neighborhood (RT- community neighborhood smallest unit), with a population around 150 households and a weekly waste collecting fee of Rp 2000 (USD 0.2) per household. From the fee, and other income (such as night watch), neighborhood committee has a community fund of Rp 2-3million per month. This community fund becomes the base for the neighborhood safety net. The venture group actively sniffs problems faced by each household. E.g. upon school enrollment season, they promote how families can borrow from community fund to pay registration fee. When a community member is critically ill, they organize a pick-up to local health center and assist the care financing.

Marketplace: Who else is addressing the problem outlined here? How does the proposed project differ from these approaches?

A number of CSR and government program for urban improvement are trying similar things. However their method are clearly top-down, money-driven, and lacking community participation from the very beginning. Sometimes the intervention of such program creates distraction to the community solidarity that we’re trying to build.

Founding Story

It started from advocacy movement for street hawkers. During 2 years live-in, I found that urban poor is difficult to organize due to weak social cohesion. The community tends to blame others rather than take action to create change. On the contrary, youth group, particularly those stigmatized as problem makers, has created such a strong bond among themselves. We saw this as a potential to trigger positive change. We started by involving the group in legal clinic and slum improvement program. Later on, as the youth gained trust from the community, we facilitated them to respond to other urban poor problem through a micro-venture. This became an entry point to organize micro-finance solution for urban poor, as the basic trust and solidarity grows.
About You
Yayasan Alinea
About You
First Name

Reggi Kayong

Last Name


About Your Organization
Organization Name

Yayasan Alinea

Organization Country

, JR

Country where this project is creating social impact
How long has your organization been operating?

Less than a year

Has the organization received awards or honors? Please tell us about them

Ashoka Fellowship

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How long have you been in operation?

Operating for more than 5 years

Which of the following best describes the barrier(s) your innovation addresses? Choose up to two

Access, Transparency.

Social Impact
Please describe the goal of your initiative; outline what you are trying to achieve

Building social capital as the base of independent social safety net, thus the urban poor can rise from apathy and realize their own potential to create change.

Which barrier(s) to financial inclusion does your solution seek to address? (select all applicable)

The lack of affordable financial products tailored to the needs of underserved and excluded communities,.

If you selected 'other' above, please specify which other barriers to financial inclusion you solution seeks to address:
For which underserved or excluded communities will your solution create access to valuable, affordable, secure and comprehensive financial services?

Urban poor in urban slum neighbourhood.

Could your solution work in other geographies or regions? If so, where?

Yes. Where urban slum and problem maker youth group exist side by side.

If your solution is dramatically successful, how will things be different in 10 years?

Local economy will flourish, unemployment and criminality rate dramatically decrease, urban slum community will have the power to improve their welfare and their neighborhood.

What will have had to have changed to make this happen?

Sense of optimism and collectivism among the citizen.

What has been the impact of your solution to date?

Currently the neighborhood of Babakan Asih has been a model of ‘urban accupuncture’ for other areas with similar problem. We’re creating opportunity for stigmatized youth to create micro-ventures that build the financial and social capital for neighborhood based micro-finance. This micro-finance acts as safety net for those lacking access to funding for health, education, and economic development.

What is your projected impact over the next five years?

Socio-ecology problem solved. Apathy in urban slum transformed into a new optimism to see challenge as a potential.Replication in other areas (hundreds of villages have been in touch to replicate the model)

What barriers might hinder the success of your project? How do you plan to overcome them?

Stagnancy that arise as the welfare increase and conflict ceased. Need methods to sustain continual improvement, and effective method of recruiting more people to get involved.

Winning entries present a strong plan for how they will achieve and track growth. Identify your six-month milestone for growing your impact

Maintaining strong spirit for continual improvement

Identify three major tasks you will have to complete to reach your six-month milestone
Task 1

Identification o f new ‘problems’ in the neighborhood

Task 2

Regular discussion to attract and recruit new cadres

Task 3

‘Internship’ program for new youth cadres to develop new agent of change

Now think bigger! Identify your 12-month impact milestone

Creating new mechanism to sustain and replicate effectively

Identify three major tasks you will have to complete to reach your 12-month milestone
Task 1

Intensify personal networking of neighborhood committees

Task 2

Assist piloting in other areas

Task 3

Intensify sharing sessions among all projects

Tell us about your partnerships

So far we’re building city wide network with individuals who know and care about this issue and initiative. We’re also approaching Dompet Dhuafa (a prominent social enterprise dealing with zakat/ Islamic tithe management) for collaboration opportunity.

Are you currently targeting other specific populations, locations, or markets for your innovation? If so, where and why?

We’re targeting to replicate urban poor neighborhood nationally through networks of neighborhood committees, cross visits, and words of mouth. We believe that this project serves as urban acupuncture, small project that will trigger others to create small solutions that will accumulate into big solutions.

What type of operating environment and internal organizational factors make your innovation successful?

An environment where challenge exists, so that people will always busy thinking of something to develop.

Please elaborate on any needs or offers you have mentioned above and/or suggest categories of support that aren't specified within the list