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Workshop: Inclusive Insurance in Indonesia

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Workshop: Inclusive Insurance in Indonesia

Date/Time confirmed: 5 April 2022, 14:00-17:30 Jakarta Time (9:00 -12:30 CET)


Astrid Zwick, InsuResilience Global Partnership

Astrid Zwick is the Head of Insuresilience Secretariat at Insuresilience Global Partnership since January 2017, supporting the V20-G20 led InsuResilience Global Partnership in its goal to foster climate and disaster risk finance and insurance.

From 2010 to 2016 Head of Department “Corporate Responsibility” of Munich Re Group in charge of set up and implementation of the Corporate Responsibility Strategy. She also chaired the UN Environment Finance Initiative’s Principles for Sustainable Insurance Working Group (2010 to 2012). Among several other tasks Astrid Zwick was Member of the Board of the University Society of the Munich Ludwig Maximilians University and Member of the Board of a Foundation promoting voluntary social engagement. From 2000 to 2010 she headed the Allianz Group Sustainability Office. She was chairing the Steering Committee “Research for Sustainability” of the German Federal Ministry of Education and Research (2005 to 2008).

From 1994 to 1999 she joined the European Commission Institute for Technological Prospective Studies in charge of policy advice on climate change to the Commission Services and among others to WHO.

Holding a doctoral degree in climate change research (Institute for Ecological Chemistry/GSF, Helmholtz Center, Munich and Technical University, Munich-Weihenstephan) and a diploma in Geology/Paleontology (Ludwigs-Maximilians-University, Munich).

Ekhosuehi Iyahen, Insurance Development Forum

Ekhosuehi Iyahen is the Secretary General of the Insurance Development Forum (IDF), a Public-Private Partnership led by the insurance industry and supported by the World Bank and the United Nations, aiming to enhance the use of insurance to build greater resilience against disasters and to help achieve the United Nations Global 2030 Agenda (

Ekhosuehi has extensive experience working with Governments, international development agencies, private sector entities and academic institutions on public financial management and strengthening risk management and financing systems and the role of insurance.

She has been directly involved in establishing and operationalising a number of pioneering initiatives including regional risk pools in Africa, the Caribbean and the structuring of a novel tripartite agreement between the IDF, the United Nations Development Programme (UNDP) and the German Ministry of Economic Cooperation and Development (BMZ) to increase insurance protection in 20 climate-exposed countries.

She is a graduate of the London School of Economics and Political Science (LSE) and Harvard University, John F. Kennedy School of Government and was selected as a 2018 Rockefeller Foundation Bellagio Centre Resident Practitioner Fellow.

She also serves as an expert advisor to the Centre for Disaster Protection and is a member of the SOAS Centre for Sustainable Finance Advisory Board and a High-Level Advisory Group for an OECD project on Loss and Damages from Climate Change supported by the German Federal Ministry for Economic Cooperation and Development (BMZ).

In 2021 she was appointed a Non-Resident Senior Fellow of the Atlantic Council’s Adrienne Arsht-Rockefeller Foundation Resilience Center.

Garance Wattez-Richard, AXA Emerging Customers

Garance Wattez-Richard launched, and has been heading since the beginning of 2016, AXA Emerging Customers, a business whose objective is to protect tomorrow’s middle class and close the insurance gap across emerging markets. In recognition for this work, she was awarded the first annual Geneva Association ‘Women in Insurance Award’ in 2020.

Before developing the Emerging Customers business, she spear-headed SheforShield, the first global study to have put under the spotlight the potential represented for the insurance industry by women as a growing client segment.  She started her career at the European Commission in Brussels, went on to work within the Office of the Chief Economist of the European Bank for Reconstruction and Development (EBRD) in London, to then spend several years working as a strategy consultant.

In February 2005, she joined AXA Investment Managers as Executive Assistant to the CEO. In 2007, she was appointed Head of Corporate, Brand & Research Marketing of AXA IM, before becoming Global Head of External Communications for the AXA Group in 2012. Garance Wattez-Richard is a graduate of the London School of Economics, the Institut d’Etudes Politiques de Paris (Sciences Po.) and holds an MBA from INSEAD.

Katharine Pulvermacher, Microinsurance Network (MiN)

Katharine is the Executive Director of the Microinsurance Network, a unique global platform that brings together stakeholders from across the inclusive insurance value chain. The Network aims to reduce the vulnerability of the world’s unserved and underserved households by improving their capacity to manage risk and extending access to appropriately designed insurance services. A development economist specialised in Africa, Katharine has a background in investment marketing, research and strategy consulting, and managing member-based organisations. In 2010, the Economist Group invited her to run its new Africa Business Group in Johannesburg. Katharine holds an MSc in Economics with Reference to Africa, which she obtained with distinction from the London School of Oriental and African Studies, and a BA in Social Science and Humanities from the University of Cape Town.

Charles Andrew Rodgers, Asia Development Bank (ADB) consultant

Charles Rodgers is Senior Advisor for Climate Change Adaptation at the Asian Development Bank, Manila, Philippines since 2015. He has served as Senior Environment Specialist with the Asian Development Bank in the Regional and Sustainable Development Department where he coordinated ADB’s climate change adaptation program. Dr. Rodgers’ training and professional experience combine civil engineering and economics as applied to agriculture and food security, water resources development and global climate change. He has worked with the Stockholm Environment Institute (SEI), the International Food Policy Research Institute (IFPRI), the Center for Development Research (ZEF) at Bonn University, the Economic Research Service of the USDA, and as a consultant on a wide range of international projects emphasizing climate change, water resources and irrigated agricultural production. Dr. Rodgers holds a PhD in Civil Engineering (Hydrology) from the University of Wisconsin, where he was a U.S. Department of Energy Global Change Fellow; and an MS in Agricultural and Natural Resources Economics from the University of Minnesota.

Rizkiasari Joedawinata, WWF

Rizkia is Sustainable Finance Program Lead at WWF-Indonesia. In this capacity, she actively contributes to the financial sector at national level in integrating environmental, social and governance (ESG) risk and opportunities into business decision through various engagement with key stakeholders such as regulator, and the other financial sector stakeholders. She has provided support to the regulator to help the major national banks in setting up their initial ESG integration framework and strategy under the regulator’s First Movers on Sustainable Banking pilot project in 2016-2017. She also took part in facilitating the establishment of an industry’s stakeholder led platform on sustainable finance in 2018, namely Indonesia Sustainable Finance Initiative (ISFI/ IKBI) – in which the member representing more than 60% of national banking assets and currently acts as the Focal Point of the Secretariat.

Rizkia previously worked in a law firm and spent her last 12 years in WWF working on issues such as responsible soft commodities and sustainable finance. She has a bachelor’s degree in private and business law from the Catholic University of Parahyangan and a master’s degree in constitutional law from the University of Indonesia.

Michael McCord, MicroInsurance Centre at Milliman

Michael McCord is a principal and managing director and the primary overseeing consultant at the MicroInsurance Centre in Milliman’s Appleton, WI office. He and the MicroInsurance Centre joined Milliman in September 2017.

Michael is one of the world’s leading experts in developing and managing microinsurance products. His decades of experience include working as controller of a U.S. commercial bank, chief executive officer of a microfinance institution in Uganda, and regional director for microfinance programs in Africa with FINCA International.

In 2000, Michael founded the MicroInsurance Centre, an internationally recognized consulting firm and microinsurance thought leader committed to providing three billion low-income people across the world with access to valuable microinsurance products. In September 2017, the MicroInsurance Centre joined Milliman, a global consulting firm with deep insurance expertise and a shared vision for protecting people in emerging markets from sliding back into poverty.

Michael specializes in institutional development for microinsurance, development of new products, and analysis of microinsurance programs. He has worked in over 70 countries for clients that include commercial insurers, foundations, bi- and multi-lateral development agencies, regulators, non-governmental organizations, and others. In addition to his consulting and advocacy work, Michael has written extensively on microinsurance, including numerous microinsurance case studies, reports, and manuals, and has provided microinsurance training to thousands of people across the globe.


Ms Emily Coleman is the agricultural insurance senior expert for the Sida-financed INSURED programme, which is overseen by the multi-donor Platform for Agricultural Risk Management (PARM), which is implemented by the International Fund for Agricultural Development (IFAD), through the Platform for Agricultural Risk Management (PARM). She has over 15-years’ experience in international development at UN institutions, 13 years of which she has been working on agricultural insurance. Her experience in the subject spans different activities, from research, to implementation, and technical advice to governments and IFAD-funded programmes. She has been active in different regions, with a focus on Africa and Asia.

Reinhard Marcellino, Blue Marble Microinsurance

Reinhard is an experienced professional in the micro-insurance industry with expertise in project management, having previously worked on life, health, and agriculture insurance projects in Indonesia.

Reinhard started his microinsurance career under the AXA Emerging Customer team before joining the ILO Impact Insurance Facility fellowship program where he led the development of integrated risk management solutions for Indonesia MFIs, combining savings, loans, and insurance. Reinhard is now the APAC operations manager of Blue Marble Microinsurance, working on the initial projects in Indonesia and Pakistan.

Pranav Prashad, ILO’s Impact Insurance Facility

Pranav is the technical lead at the ILO’s Impact Insurance Facility’s initiatives related to climate change, Disaster risk and climate risk and agriculture insurance, distribution and building scale and efficiency through use of technology in insurance. He is also the focal point for market development in Asia.

Pranav has more than three decades of experience in insurance and business management. He has initiated and taken to scale agriculture and health insurance projects amongst low-income households, utilizing a diverse set of distribution channels and enabling the projects with technology.

At the Facility, among various projects, Pranav has aided in successful introduction of weather index insurance products in Sri Lanka and the Caribbean, and index related product for livestock in Kenya. He is also the lead author of the Facility’s paper looking as various ways mobile phone technology can help in building scale and efficiency in insurance operations

He holds an MBA from the Faculty of Management Studies and a bachelor's honours degree in Economics, both from Delhi University, India.

Indian national - speaks: English, Hindi.

Budy P. Resosudarmo, Australian National University (ANU)

Budy P. Resosudarmo is a professor in development and environmental economics at the Arndt-Corden Department of Economics, Crawford School of Public Policy, at the Australian National University (ANU). He has been mostly working on interlinks between natural shocks and environmental condition and local economies, household incomes, human development and the environment, and investigating the political economy of environmental policies and resource utilisation.

Jakub Nugraha, ACA Insurance

Jakub Nugraha has worked with ACA since 1990, assigned at Risk Management Department to develop the first forestry insurance in Indonesia (palm oil insurance).

Since 2015 until today, Jakub has developed agriculture insurance based on Integrated Risk Management to:

  1. Reduce the possibility of harvest failure through the implementation of Good Agriculture Practices.

  2. Increase farmer's net profit through Good Harvest Practices including access to market.

  3. Achieve farmer's financial freedom through Family Financial Planning to finally achieve sustainable farming in Indonesia by creating sustainable insurance whereby each of the farmers is able to pay her / his insurance premium continuously without government subsidy.

Jakub has actively participated in the General Insurance Association of Indonesia since 2015 until today, include developing aquaculture insurance products for government program under the Ministry of Maritime Affairs and Fisheries.

Mori Prananto, YASI Agrisustineri

Experienced professional in running microinsurance, agriculture insurance, alternative distribution channel, general and life insurance programs serving mid-low income segments.

Elise Lee, Pula

Previously based in Hong Kong, Elise worked in and with innovative NGOs and foundations across Asia which seek to improve the lives of marginalized persons, especially children and women. A South Korean national and native English speaker, Elise has worked extensively across Asia including in China, Vietnam, Philippines, Cambodia and Indonesia, and most recently in Pakistan and Nepal.

In her role as a commercial manager Asia, Elise is supporting Pula’s entry into Asian markets to bring smallholder farmer insurance programs to the region.

Graham Clark, Asia Affinity Solutions

Graham Clark is the Chief Executive of Asia Affinity Holdings Ltd., a diversified financial services, technology and community impact company headquartered in Hong Kong, with operating subsidiaries in Japan, Malaysia, Singapore and Indonesia.

Asia Affinity is focused on providing growth and protection solutions, both non-marine and marine to the SME and Micro communities. Through their subsidiary companies, the group, is active in the Mutual Aid and Cooperative sectors in Japan; provides underwriting and sustainable solutions for Coastal communities through their marine businesses and in 2016 launched KMB, a Micro Insurance initiative to support sustainable community development, and resilience, in Asia.

Dante Portula, GIZ

Senior Advisor, GIZ RFPI Asia Program (Regulatory Framework Promotion of Pro-poor Insurance Markets in Asia).

Responsible for the implementation of RFPI portfolio in Indonesia.

Since 2006, he has worked with various GIZ projects such as on MSME finance, inclusive insurance and climate/disaster risk insurance implemented in the Indonesia, Mongolia, Nepal, Pakistan, Philippines, Sri Lanka and Vietnam.

Before he joined GIZ, he was working with an international relief agency on the topics of SME development and rural finance, and with national consultancy entities engaged in small enterprise development and microfinance.

Alexander Jaeger, GIZ

Program Director, GIZ RFPI Asia Program (Regulatory Framework Promotion of Pro-poor Insurance Markets in Asia).

Responsible for project steering in Vietnam, Philippines and Indonesia and overseeing PPP activities.

Alexander is working for GIZ since 2016 in project management and senior advisor roles on inclusive insurance and climate/disaster risk insurance. His working experience covers Southeast Europe and Caucasus, South and East Africa, and Southeast Asia. Prior to GIZ, he was working for fund managers and consulting firms with a focus on non-life insurance.

Rudy Laoh, AXA Indonesia

Rudy has over 25 years of experience in the local Indonesian Insurance Industry and working for some of the world‘s leading Joint Venture Companies (QBE, Sedgwick, Marsh, ACE, AXA) in Indonesia. He has expertise in:

Technical Underwriting & Reinsurance

  • All round underwriting (property, marine, liability, financial lines, motor vehicle, engineering construction, personal accident, and parametric).

  • Arranged and administer Treaty Reinsurance and execute reinsurance strategy in facultative reinsurance placement.

  • Simplified underwriting and reinsurance processes to meet business requirement.

  • Establish Underwriting governance and compliant to the regulation

Portfolio Management

Managing and monitoring underwriting portfolio to ensure necessary underwriting actions are taken and implement underwriting and reinsurance strategy to achieve target profitability.


  • Facing market with different distribution channels : agency, broker, bancassurance, direct, inward reinsurance. Dealing with Indonesian, Singapore and London market producers.

  • Understanding customer and know your customer to provide the most suitable insurance solution

CHOO Weihao, Munich Re

Weihao leads the consulting team at Munich Re, which develops and provides solutions to reinsurance clients across Asia. The consulting team comprises of actuaries, data scientists and product developers, and works closely with underwriters, natural catastrophe experts, IT and other specialists. Weihao started his career in a primary insurer in Singapore before joining a consultancy in Sydney. When Weihao joined Munich Re back in Singapore in 2017, he was initially the head of enterprise risk management for the APAC MEA region. Weihao subsequently took on the head of consulting role in 2019.