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It is surprising to know that:
- The people there has difficulties in accessing basic necessities
- They are concerned with difficulties and made them unaware of other risks

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Users must be:
- Protected in any case of natural disasters
- Assisted in forms of financial aid
- Safeguarded through risk reductions to increase chance of livelihood

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They are:
- low income residents in North Jakarta
- living in an area with 90% chance of being submerged due to climate change (coastal area)
- facing difficulties in earning money to live

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The empathy point of view to the users are:

1. Aside from the homeless there are people who are hopeless, they have a home but they are hopeless and unable to expect more than their basic needs. The luxury of comfort is beyond their reach and not something they can afford. Hopelessness towards the government in providing them a solution for the betterment of the state. For them, to be able to continue living is already a privilege.
2. This is also a comfort zone to them where instead of finding ways to eliminate the risk, they are only able to think of ways to cater to the challenges which is not ideal to practice in the long run.
3. There are 3 states in order for someone to practice anything which are

Know > Understand > Aware

Those who only ‘know’ would not be the person who understand, aware and raise awareness but people who are well-aware actually are those who know and understand.

For example, Ali knows takaful is a protection to mitigate risks but Ali didn’t buy any of the products because he did not understand the benefits and importance of it.

Meanwhile Abu, he understand the benefits but he is not aware of the importance of it.  Hence, he delays purchasing takaful products.

Lastly, there is Ahmad, who despite the fact that he is from the B40s and hardly earns for a living, he still finds ways to purchase takaful products because he is aware of the benefits and importance of it.

Back to the North Jakarta people, they need the awareness and education along with examples that could change their perspective for their standard of living.

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Users must be protected in order to reduce the risk. When their livelihood and home are destroyed due to rising sea levels, asset or financial protection is the best way to help them survive.

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The users are low-income residents of north Jakarta's coastal cities. These users live in an area that faces a 90 percent chance of becoming submerged as a result of climate change. They are hardly earn for a living.

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It's surprising and sad to know that there are people who do not have proper access to water, something that is essential to live. It takes a place to sink for them to be noticed when they are possibly denied to their basic needs. If only they were given the help they needed, this probably would not have happened. They have to go through extensive measure that is extracting water underground for their needs to be met. There are children who are not given the opportunity to live a proper life.

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1. trying to find a solution that would help them long term
2. aid from authorities with resources and capacity to help
3. to be protected
4. to be insured

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1. the resident of North Jakarta ;
-who are struggling to make a living
-who do not have access to proper life necessities
-who mostly are not educated
-who are trying their best to live
-who could be neglected by authorities
-who need help

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I am surprised to know that out of nowhere, suddenly, microinsurance/ microtakaful became important to the poor in North Jakarta because of the fact that it is sinking nowadays.
So, it made me think, will it need to cost another place on Earth to sink or hit by any natural disaster that is not stoppable then only people from this community to realize the importance of having a takaful/ insurance plans?

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They need to have access to basic infrastructure especially the ones that live around the city like North Jakarta. Basic infrastructures like electricity, clean water and a safe, clean place to call home, quality education and many more.

Besides, they need a proper saving/ investment plans to prepare them for any unwanted events in their life such as natural disaster, accident or sudden death.

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The people who are actually living in North Jakarta (NJ). By means, anyone who are as below:
1. Living in NJ and do not have any other place to call home.
2. Low income people who are struggling to find money at the end of the day.
3. People who do not have access to clean water, proper education and basic infrastructure.

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Pada pendapat saya, perkara yang mengejutkan ialah mentaliti yang tidak menginginkan kemajuan. Sebahagian daripada mereka mungkin sudah selesa untuk hidup susah dan bagi mereka tiada harapan lagi untuk terus maju. Saya percaya kerajaan Indonesia telah mengambil banyak inisiatif bagi membantu golongan ini, namun " alah bisa tegal biasa" kesusahan yang telah diwarisi dariapada keturunan telah menjadikan satu normalisasi bagi mereka. Walaupun banyak peluang untuk maju kehadapan, namun kesusahan dan kemiskinan adalah pilihan mereka. Ini yang paling membimbangkan kerana titik kegagalan selamanya bagi seseorang individu itu adalah tiada impian untuk berjaya.

Apa yang saya cuba sampaikan, jika impian atau hasrat untuk berjaya sudah tiada. Apa yang kita boleh harapkan untuk mereka subscribe perlindungan yang kita wujudkan khas untuk mereka, walaupun serendah 10 sen Malaysia. Oleh itu memberi kesedaran dan dorongan moral amatlah diperlukan selain mencipta produk perlindungan takaful yang terbaik didunia.

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Apa yang mereka perlu?

1) Perlindungan nyawa disebabkan lemas akibat perkara yang tidak disangka-sangka. Jika perlindungan FWD Kasih melindungi mereka yang meninggal disebabkan kemalangan jalan raya dan memberikan sumbangan sebanyak 2 kali ganda, jadi kemalangan berpunca daripada lemas adalah lebih sesuai bagi penduduk Utara Jakarta.
2) Penyampain maklumat yang mudah difahami. Ianya juga melibatkan faktor bahasa, cara berinteraksi (tidak menggunakan bahasa orang akademik, lebih kepada "straight forward") dan kaedah maklumat disampaikan. Berdasarkan gambar yang diberi, kita tidak dapat menjangka, adakah bekalan elektrik dan pencawang rangkaian atas talian tersedia atau masih berfungsi dengan baik.
3)Meningkat tahap kesedaran diri juga merupakan salah satu aspek yang perlu dilakukan oleh penduduk di kawasan tersebut. kurangnya pendedahan berkaitan ilmu kepentingan pelan perlindungan ini juga boleh menyebabkan mereka kelak akan dikategorikan sebagai miskin tegar kesan daripada tidak mampu untuk terus menyara diri dan keluarga akibat perubahan iklim yang berlaku.

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I am surprised that takaful might not just helping the poor to manage risk, it also helps people to realize the importance of climate change.

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-Parents are still numb to make a change in their situation. Therefore, their children experienced the exact problem like what their parents faced.
-The people are seriously lack of daily necessity and a bad living environment.

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- Need money
- Need subscribe to an insurance plan that help cover any upcoming risk like flood that destroy their house and when they are sick.

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- The poor who live in north Jakarta near the coastal cities.

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-Desire protection plan for their livelihood
-Need a proper education that can move out from poverty and improve their life

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I was surprised finding out the major reason for the sinking of Jakarta is due to excessive extraction of groundwater. With a population of over 10 million people, Jakarta has very low water levels for drinking, bathing and other everyday purposes. Also, it's surprising to know that pipped water is also not available in most areas so the citizens have to resort to pumping water. When they are not granted basic needs and proper infrastructure it worsens the problem and they can't run away from the poverty cycle.

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-Jakarta residents
-limited accessibility to basic utilities

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I am very surprised that the people in this industry are living in this condition

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User requires financial support when natural disaster occur

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- North Jakarta residents
- Coastal area

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User's needs are to
1. Get financial security for emergencies when natural disasters strike
2. Realising that their current lifestyle and homes are not sustainable for the long run and must evolve for future generatinos

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The fact that until those basic needs are satisfied, an individual must focus on eliminating those deficiencies. These has been a unique test for how people feel about climate change when faced with a different global crisis.

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The target user is people living in North Jakarta who have little to no access to clean waters, education and very poor living environments.

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The needs:

1. Educate more on how to handle finances, how to plan wisely, raise awareness on existing financial services and how to protect ourselves with insurance by start investing.

2. Establish the connection or event when a customer abandons the services.

3. Create a customer-centric services organization to map and deliver contextual services based on "specific demands" of customers.

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I'm not sure if this counts as a surprising insight or not, but instead of relocating these people due to rising water level, why not create flood barriers? Or rising seawater barrier. I heard of this solution in a world-building game called Civilization VI.

https://www.weforum.org/agenda/2019/01/the-world-s-coastal-cities-are-going-under-here-is-how-some-are-fighting-back/

These are some example on how some countries are countering this problem. Instead of relocating these people, perhaps the government or NGOs can work to provide these people with the physical protection that they need. From this, it can help these users to use what money they have to improve their livelihood. Since land is scarce, this solution might be a better option for them.

When the main problem is handled or mitigated (rising sea level), only then can we tackle the symptoms (poverty). When these people are able to get some money for their livelihood (such as farming or fishing), they'll be able to afford microinsurance and further financial protection.

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Robert Muggah Co-founder, SecDev Group and Co-founder Igarape Institute

The warning signs are increasingly hard to ignore. Sea-level rise is real, displacing thousands of people, destroying millions of acres of land and generating billions of dollars in losses. Due to competing predictions of future global temperatures, scientists are unsure exactly how fast or high sea levels will rise. But they all agree on its principle impacts: submergence and flooding of coastal land, saltwater intrusion into surface waters and groundwater, increased erosion and overwhelmingly negative social and economic repercussions. They are also emphatic that these effects will be widespread and will accelerate with time.

Rising temperatures, rising seas

The conservative scientific consensus is that a 1.5°C increase in global temperature will generate a global sea-level rise of between 1.7 and 3.2 feet by 2100. Even if we collectively manage to keep global temperatures from rising to 2°C, by 2050 at least 570 cities and some 800 million people will be exposed to rising seas and storm surges. And it is not just people and real estate that are at risk, but roads, railways, ports, underwater internet cables, farmland, sanitation and drinking water pipelines and reservoirs, and even mass transit systems. While some coastal cities and nations will literally disappear, the rest will need to adapt, and quickly.

A sizeable number of coastal cities have yet to adequately prepare for rising sea levels. This is dangerous. As the World Economic Forum's Global Risk Report 2019 shows, around 90% of all coastal areas will be affected to varying degrees. Some cities will experience sea-level rises as high as 30% above the global mean. Making matters worse, sprawling cities are sinking at the same time as sea waters seep in. This is due to the sheer weight of growing cities, combined with the groundwater extracted by their residents. In parts of Jakarta, a city of 9.6 million people, the ground has sunk 2.5 metres in less than a decade. Sea levels have simultaneously risen by 10 feet over the past 30 years.

While all coastal cities will be affected by sea-level rises, some will be hit much harder than others. Asian cities will be particularly badly affected. About four out of every five people impacted by sea-level rise by 2050 will live in East or South East Asia. US cities, especially those on the East and Gulf coasts, are similarly vulnerable. More than 90 US coastal cities are already experiencing chronic flooding - a number that is expected to double by 2030. Meanwhile, about three-quarters of all European cities will be affected by rising sea levels, especially in the Netherlands, Spain and Italy. Africa is also highly threatened, due to rapid urbanization in coastal cities and the crowding of poor populations in informal settlements along the coast. The coming decades will be marked by the rise of ex-cities and climate migrants.

So-called " delta cities" are already bearing the brunt of rising seas. More than 340 million people live in deltas like Dhaka, Guangzhou, Ho Chi Minh City, Hong Kong, Manila, Melbourne, Miami, New Orleans, New York, Rotterdam, Tokyo and Venice. What a difference a few centuries makes. Over the past few thousand years, the 48 major coastal deltas in the Americas, Europe and Asia formed ideal sites for cities to thrive, owing to their access to the sea and fertile farmland. This explains why the Nile, Indus, Ganges, Brahmaputra and Yangtze served as cradles of major civilizations. But coastal living is becoming a liability: the costs of sea-level rise could rise to trillions of dollars a year in damages by 2100.

Seeing solutions to sea-level rise

A growing number of cities are stepping up to the challenge of sea-level rise. Most of them literally have no choice. Alongside mitigating their carbon footprints through reducing emissions, there are basically three ways that states and cities are taking action. First, they are fielding hard engineering projects like sea walls, surge barriers, water pumps and overflow chambers to keep water out. Second, they are adopting environmental approaches involving land recovery and the restoration of mangroves and wetlands to help cities cope with floodwater inundation. The third strategy involves people-oriented measures including urban design, building resilience and retreating after all other options have been exhausted.

The good news is that coastal cities are not starting from scratch - most of them have deep stores of knowledge and expertise. For centuries, cities bordering oceans and waterways have had to contend with local sea-level fluctuations and periodic storms. Many coastal cities have experimented with a combination of all three types of measures for hundreds of years. But past successes do not necessarily guarantee future safety. Today's cities are different from their predecessors. Many of them are of an unprecedented size and complexity. Complicating matters, sea levels are rising more rapidly than in the past, in some cases overwhelming local capacities to respond.

A growing number of wealthy states and cities are making massive investments in technical solutions to keep seas at bay. It is true that large infrastructure schemes including barriers and break-walls can at least temporarily reduce the risks of losses. But an overreliance on concrete walls and pump systems to beat back rising tides, storm surges and downstream floods can only go so far. The lesson from the most successful cities is that a combination of approaches is essential. What is more, environmental-based solutions to reinforce the existing ecology's protective capacities are not only effective, but lower cost. One country that has pioneered these multi-prong measures is the Netherlands.

A Dutch model for coastal adaptation

Dutch coastal cities are combining all three approaches to manage persistent sea level rises. They have good reason to be proactive given that over a quarter of the country is below sea-level. The national government has already decentralized many aspects of water management: flood protection is the responsibility of regional water management boards. Public authorities have also bolstered hard defences including a 3,700km network of dikes, dams and seawalls, including the famous Maeslant Barrier. Built to protect Rotterdam, which is 90% below sea level, the Barrier is the size of two Eiffel Towers on their sides.

Cities like Rotterdam offer a model for how to manage sea-level rise. Rotterdam is one of the safest delta cities in the world precisely because it has learned to live with water. This attitude can be traced back to the 13th century, when local merchants and city administrators erected a 400-metre dam to keep high waters at bay, but also to facilitate drainage. New canals were built in the 1850s to improve water quality and reduce epidemic outbreaks of cholera. Several decades after catastrophic floods killed over 1,800 people in 1953, the Maesland Barrier was constructed. Today, it protects the city's 1.5 million people from floods with no impediments to sea traffic.

A key ingredient of Rotterdam's success is attitude. The current mayor, Ahmed Aboutaleb, claims his city's residents "do not view climate change as a threat, but rather as an opportunity to make the city more resilient, more attractive and economically stronger". In the mayor's view, climate adaptation is a window of opportunity to upgrade infrastructure, increase biodiversity and more meaningfully engage citizens in city life. A few years ago, the city launched a Climate Change Adaptation Strategy to make Rotterdam "climate proof" by 2025. Across the Netherlands, cities like Rotterdam are converting ponds, garages, parks and plazas into part-time reservoirs. They're also revitalizing neighborhoods and improving equity to build social resilience to future water threats.

A Chinese way to mitigating rising seas

Chinese cities are also taking action to mitigate and adapt to sea-level rise. As in the case of the Netherlands, the Chinese were motivated in part by disaster. In 1998, floods killed roughly 4,000 people when the Yangtze River basin overflowed. A growing number of big cities such as Beijing - which more than doubled its total land coverage in the last decade - are also suffering a rise in floods. Today, roughly 641 of China's 654 largest cities are affected by regular flooding, especially those on the coast. The Chinese government has responded with a combination of hard engineering, environmental and people-based strategies, together with the relocation of millions of citizens.

Image: Reuters/Beawiharta

In 2014, China launched the so-called sponge city initiative. The term actually originated in Hyderabad when the city authorities started collecting storm-water to offset water demand during planting season. Likewise, Vinh in Vietnam also adopted a "city as sponge" strategy to lessen the impacts of seasonal floods on vulnerable urban areas. In the case of China, the sponge strategy requires that 80% of all urban land is able to absorb or reuse 70% of storm-water. More than 30 cities are currently part of the initiative including Shanghai - one of the most flood-prone cities in the world. The Chinese expect that at least another 600 cities will join in the coming decade.

Shanghai's authorities are putting enormous stock in adaptation strategies. And not without good reason - by 2050, the city is expected to experience flooding and rainfall that is 20% higher than the global average. The city is already rocked by two to three typhoons every year. Shanghai is also sinking, albeit less slowly than Jakarta. To reduce its exposure to rising seas, Shanghai has constructed 520km of protective seawalls that stretch across the Hangzhou Bay and encircle the islands of Chongming, Hengsha and Changxing. As in the case of Rotterdam, Shanghai has also installed massive mechanical gates to regulate overflowing rivers.

Fight or flight in South East Asia and the South Pacific

South East Asian cities are busily building defences against sea level rise. For example, Jakarta is building a massive sea wall with Dutch support, and is planning to relocate 400,000 people from threatened riverbanks and reservoirs. Critics, however, fear that the city is not doing enough to address groundwater issues that are causing the city to sink. Bangkok, which faces similar challenges to Jakarta, has also laid out a 2,600km canal network and central park with a capacity to drain 4 million litres into underground containers.

Some Thai parliamentarians fear that the only way forward is a managed retreat, moving the capital further inland. Singapore, too, is adopting myriad mitigation strategies including land reclamation schemes and embankments across 70% of its coastal areas.

But arguably the most dramatic responses to rising sea levels are occurring in those parts of the world that are most acutely at risk. Small island nations such as Kiribati, Tuvalu, the Marshall Islands and the Maldives could be literally wiped off the map. Kiribati is negotiating to buy 5,000 acres of land in neighbouring Fiji onto which to move its 113,000 citizens if necessary. The country's website concedes that national survival is unlikely. The Marshall Islands face a similarly stark choice: leave or elevate. The country is looking for ways to reclaim land and build islands that are high enough to withstand rising seas. And the Maldives - the poster-child for rising sea levels - is attempting to reclaim, fortify and build new islands, and relocate when necessary.

Finally, US cities are busily investing billions of dollars to bolster their resistance to rising sea levels. New Orleans established the Hurricane and Storm Damage Risk Reduction System shortly after Hurricane Katrina killed more than 1,600 people in 2005, leaving 80% of the city underwater. The system includes a series of massive dam barriers, reinforced levees and flood-walls stretching some 560km around the city. The city also built a living water system of parks, wetlands and other existing features to reduce reliance on pumping and canals. It is one of the largest public works projects in US history and the most expensive flood-control system in the world. Boston, Houston, Miami, New York City and dozens of other places are following suit, albeit on different scales.

From Asia and Africa to Europe and the Americas, sea-level rise is inevitable. Mitigation efforts must be scaled up. But, precisely because it already poses an existential threat to coastal communities everywhere, adaption is essential. At a minimum, governments, businesses and citizens need to avoid making a bad situation worse. Adjusting zoning laws and reducing building in at-risk coastal areas and flood plains is a start. As the Global Risk Report makes clear, proactively developing strategies to relocate populations who are vulnerable to sea-level rise is no less important. Another tricky challenge relates to burden-sharing between and within nations and cities. A new mindset, innovative financing models and multi-stakeholder partnerships are critical as the seas continue to rise.

The views expressed in this article are those of the author alone and not the World Economic Forum.

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The world's coastal cities are going under. Here's how some are fighting back

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Robert Muggah Co-founder, SecDev Group and Co-founder Igarape Institute The warning signs are increasingly hard to ignore. Sea-level rise is real, displacing thousands of people, destroying millions of acres of land and generating billions of dollars in losses. Due to competing predictions of future global temperatures, scientists are unsure exactly how fast or high sea levels will rise.

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The North Jakarta user.
1. Limited access (basic requirements for survival that must be satisfied including internet access, having enough food to eat, a place to sleep and the security of feeling physically safe) due to climate change
2. Lead to unstable lifestyle, financial problem and protection

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Suprise that tidak boleh beza kan bangsa antara mereka karana semua bercakap bahasa yang sama. Rakyat Indonesia tiada perbezaan dari segi kaum. Rakyatnya sanggup untuk ke nagara lain untuk macari duit untuk keluar yang di Indonesia

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1. To change mindset that education is important
2. More work opportunity in their own country
2. Future thinking for their family

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Jakarta people
1) Strong Indonesia culture even with different races
2) Have big financial difference with rich and poor people
3) Have many citizen
4) Able to immigrate to another country for work

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First and foremost, when encountered with a risk, these people need a solution for them to mitigate the risk and reduce its effects. In this case, financial protection is one way to go about it, because in the event that their home and livelihood is destroyed due to the rising sea level, at least they can claim some money to find a new livelihood elsewhere.

But to do this, the Indonesian government must prepare a place for misplaced victims of rising sea level to stay, and the claims that the users get (assuming that they purchase any microinsurance) can be used to pay for their new residence and use it to create a new livelihood.

Either way my main point is they sorely need a financial protection plan for them to mitigate this possible risk, and in the event of a full submersion of their current residence, a new place for them to stay and work.

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Based on the above, the users are the poor people living in coastal cities in north Jakarta, with 95% of the area are at risk of being submerged due to climate change. These people lack the money and financial protection to control this possible risk.

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I am very surprise that people can stay in this kind of enviroment and find their way in dealing with it. from the picture it seen like the parents have no worry on it and still having the next generation with them in this condition. I wonder what make/forced them to be stuck in this situation and not able to move out from it? what is the current aid prvided to them and why it doesn't work? From the background of the photo, i believe that's not the only family in this area, and i wish they could leave this area and access to most of the basic needs with the aid from others.

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The jakarta people needs a way to mitigate the risk by having a protection plan when they lose their homes and lvelihoods. They need help from NGO, Goverment (Financially, policy-wise...etc) in minimising the impact caused by the natural disaster due to climate action . The jakarta people also need a better education inhelping them to climb up the social ladder and moving out from poverty.

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Sasaran pengguna ialah:

1) Penduduk B40 di kawasan Utara Jakarta.
2) Remaja, dewasa dan warga emas. Lingkungan umur 20 tahun sehingga 65 tahun.
3) Lelaki dan perempuan beragama Islam (tumpuan utama). Galakan kepada bukan Islam. Hal ini kerana, penduduk bukan Islam mempunyai pilihan selain Takaful iaitu insurance. Penduduk beragama Islam terikat dengan perkara yang dishariat keatasnya, oleh itu penduduk beragama Islam hanya boleh memilih Takaful perlindungan sahaja.
4) Pencari nafkah bagi keluarga.
5) Nelayan yang terdedah dengan risiko.

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The user is located in jakarta with limited access to alot of public infrastructure including basic ultilities (clean water, electrical, internet access). The user most probably are isolate with the outside world.

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Pandangan mengejutkan yang saya rasa mungkin tidak semua takaful operator nampak adalah kecekalan dan kesusahan yang mereka sanggup tempoh untuk hidup walaupun hanya sekadar malam ini. Kadang kala kita rasa buntu untuk membantu mereka kecuali kita ambil mereka, letakkan disuatu tempat penjagaan yang dibiayai oleh pihak lain, bukan diri mereka sendiri. Bagaimana orang yang dalam situasi begini untuk subscribe perlindungan takaful yang kita tawarkan.

Apa yang saya dapat lihat, kegiatan ekonomi di kawasan Utara Jakarta telah lumpuh lebih daripada 50%. Dimana pertempatan mereka dinaiki air dalam keadaan mereka tidak bersedia dan sumber ekonomi pertanian telah musnah. Mereka perlu merubah fokus ekonomi kearah perikanan. Ianya merupakan cabaran besar.

Walaubagaimanapun, rezeki itu luas bagi mereka yang berusaha. Keperihatinan, tolong-menolong dan saling melindungi adalah sifat yang mampu merancakkan ekonomi dan membantu mereka keluar daripada penjara kemiskinan. Plan perlindungan Takaful hanya boleh di subscribe jika seseorang itu mempunyai taraf ekonomi yang seberhana dan keatas. Bukan untuk golongan Fakir dan Miskin (boleh rujuk definisi fakir dan miskin menurut Islam).

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Keperluan mereka:
1) Pendedahan awal tentang perlindungan Takaful dan apa yang Takaful boleh bantu jika mereka ditimpa musibah.
2) Mewujudkan satu produk yang bukan hanya melindungi jika berlaku kematian, malah tempat perlindungan atau rumah baru untuk mereka jika rumah mereka sekarang ditenggelami air.
3) Jangkaan 2050 keseluruhan kawasan itu dinaiki air disebabkan perubahan iklim, tempoh masa daripada 2021 hingga tahun 2050 adalah panjang, mereka perlukan jaminan bahawa produk perlindungan yang mereka sebscribe sekarang akan masih sah walaupun berlaku ekonomi krisis atau perubahan kerajaan.
4) Memudahkan proses pendaftaran dan pembayaran. Disebabkan kemiskinan, tidak mustahil mereka tiada kemudahan telefon pintar. Pihak Takaful perlu mempelbagaikan kaedah pembayaran, sesuai dengan keadaan golongan tersebut.
5) Prosuder yang mudah dan cepat untuk membuat "redemption" jika berlaku musibah yang dilindungi.

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The action/needs are :
1 ) Changing the mindset of people living in the community and let them start to realize that the life they living there was not sustainable and they might run into more poverty.
2 ) Start to educating themselves and learn some skills in order to find a more stable job and higher paying job.
3 ) Take caring of the environment they were living in to reduce being infected by disease.
4 ) Reach out for help on financially from different organizations or even getting help from the government .
5 ) Get a very cheap takaful or even insurance plan to help them to ensure their lives and property are being guaranteed if in case anything unfortunate happen.

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Fokus pengguna kita adalah:
1) Penduduk yang berada di Utara Jakarta.
2) Penduduk Utara Jakarta yang telah berpindah ke kawasan bandar disebabkan rumah mereka telah ditenggelami air.
3) Ketua bagi sesuatu perkampungan untuk mewujudkan kepercayaan orang ramai kepada plan perlindungan takaful.
4) Golongan muda yang terkesan, yang telah bekerja dan yang sedang melanjutkan pengajian. Untuk mewujudkan satu suasana mesra takaful.

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The users are the people from North Jakarta who is living in vulnerable coastal cities.
1 ) Low Income family where they just barely had the money to eat 2-3 meals a day.
2 ) Lack of sufficient quality of education which lead to not having skills to find a proper job.
3 ) Having one of the highest disease infection rate due to the environment they live.
4 ) Does not has the ability to get out from the place they stay.
5）They had no guarantee that could help them financially and they are the people who are being left behind.
6 ) Facing with climate change issues where as the coastal areas will likely to be flooded since the place is in a vulnerable state and the people are likely to lose everything they have if this happen.

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for me, my surprising insight was realizing the fact they still love to still there at the coastal area even they know all the risky that they are facing really blown out my mind. even though we really want to help them to find out the better place, but we need to realize they are willing to stay there at the first place. what was factor that making them to stay there instead of migration to a better place for living. I think, the first thing that we need to solve if our intention was to help them to find out the better place to live was why there want to stay there? what was influent them to stay there? is there any of rumors that they listen to or is there any believe that made them to stay. By solving the root first, it will easily help us to catch up the next steps including educating them and making the financial inclusion comes true for everyone.

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this community need to:
1) looking for a better place to live soon since the going to lose their homes permanently soon due to the climate changes.
2) start to realize the future taking that they are heading to are not a sustainable and comfortable life  to live.
3) educate themselves about migration to a better place as a factor that could bring them a better life
4) to out from their comfort zone and start making pace for making sure they will not listed as the most poor community.
5) help themselves by helping other organizations or even their government regarding on what kind of helps that they need in order to make sure the could survive at the outside of their current 'comfort zone' .

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The users can be describes as:
1) the north Jakarta people
2) the low income family with no backup for making more income
3) the poor community that comfortable to live there without thinking about migration
4) the lack of accessibility regarding to technology due to the place itself
5)  Do not have a lot of resources that can be use in their daily life.
6) the community that might going to lose their homes due to climate changes
7) coastal area that do not have a lot of disclosure of information regarding to life protection

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They needs to have a cheaper financial inclusion plan to protect their property and lives.

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The user is resident from north Jakarta

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A surprising insight by BBC is that the flooding is being catalyzed by excessive extraction of ground water by the inhabitants of Jakarta. Meaning; that any ways to slow down the flooding will leave a huge mark because this act only happens because the Jakartan Government can meet the needs of water supply of the population. So any affects to reduce this will be a tradeoff to the people's access to a daily essential- water

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The people of Jakarta needs are:
1)Finding a new way of life that can sustain them and their family
2)A way to prolong the flooding to allow them to be able to find new way to sustain life
3)Help by different organizations in these dire times

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The users ; being the people of Jakarta can be described as :
1) facing a risk loss of income
2) considering migration to a new situations or environment
3) minimal skills that can be used to gain other opportunities
4) loss of resources as they may come to new environment with the stuff on their backs
5) might be unwilling to change their way of life (meaning rather stay and face harsh conditions in Jakarta then find new places to live)