This paper aims to analyze the impact of mining company on financial measurement through Economic Value Added (EVA) and non financial measurement (i.e. health, environment, climate change, economic sustainability, and macroeconomic variables). This study uses qualitative and quantitative analysis method. Result from this study shows that coal mining does not provided added value to the economy, moreover it also has negative impact on environment by contributing largest carbon dioxide emission. In addition, to open new sites for coal mining, coal miners must do deforestation. In terms of health impact, this study find that local people who live near the coal mining site are exposed to health problem. Furthermore, there is also potential conflict with local people. Coal mining also has negative impact on trade balance, exchange rate, and the growth of other sector, particularly when the commodity prices decrease.
The purpose of this study is to investigate the good practice of the microinsurance industry in Indonesia, using a case study of three microinsurance providers, namely Allianz, Prudential, and Asuransi Central Asia (ACA). In addition, this study also aims to analyze the challenges, of the microinsurance industry in Indonesia. Results from this study reveal that despite the large market potential for microinsurance in Indonesia, there are challenges that should be addressed, to boost the growth of the microinsurance industry in Indonesia. To respond to this challenge, attention should be focused on consumer protection, and consumer appeal aspects. From the three microinsurance providers discussed in this study, viable approaches to implement when competing in the microinsurance market in Indonesia, including market research to understand the behavior of low-income consumers, the extensive distribution of partners, consumer education practices, and corporate values that demonstrate the dedication of the company, to serve low-income consumers.
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