Insurance Technology

Didiek team Goenardi Hajar, et Introduction to Education of the experts, a key determinant of competitive advantage of a nation that appropriate use of technology. They must have a real effort to develop technology-based SMEs are essentially national. Unfortunately, most existing research is not being paper, or continue to go through a laboratory scale. To get your hands on a commercial scale obstacles to overcome, is the inventor (stocks) and entrepreneur (investors), as there are restrictions on each page. They need the incentive of the government program. Incentives Program, the gap between product research, which is usually still a prototype or pilot plant scale technology with the technology ready to continuously promote the business need that the government needs to stimulate internal use technology, especially small and medium enterprises (HPI). Office of the Secretary of State for Research and Technology (KMNRT) plans to introduce this technology include incentive programs, insurance, brokerage (agency transition), and venture capital for the use of building services to SMEs. Incentives on a business initiative of the government moves on the basis of home care technology to the stage of self-sufficiency. When he reached the stage of independence, these programs are no longer needed, and business in general (commercial) in place. Technology Insurance In other words, the idea of insurance technology is shown in Figure 1. There are limits to fund research, usually the result of the development of new technologies for a complete prototype / pilot phase. In order to achieve economies of scale, depending on the number of units produced, sufficient capacity per unit of time is necessary. Increased capacity (upscaling) contains significant risks for the possibility of not meeting the standard features, as promised, the inventor. This critical period has tried to overcome with the support of technology program. Insurance Program with technology (PAT), insolvency of the investment at this time because the level of technology should be covered by insurance, while damage caused by non-technical factors are borne by the investor. Detailed studies are underway to obtain a guide for the implementation of PAT and the implementation of PAT is expected to begin in fiscal year 2001. insurance companies participate in this program will receive a premium in exchange for participation in the SMI Pat some time ago (2-3 years) the funds available to KMNRT government. PAT complete mechanism is illustrated in Figure 2. Institute research and development proposals for technical cooperation offered / licensing / KMNRT SMEs. In addition, you choose KMNRT proposals for technical feasibility and economic level of available technology and the ability of SMI in the acts referred to in technology marketing. The result of this selection is to be created by other KMNRT Insurance Technology Consortium (a combination of insurance companies that are interested in participating in the TAP, in July 2000 offered). The consortium subsequently by a team of risk assessment, the possibility to implement PAT on the level of business opportunities for success. Once elected, paid KMNRT resources relevant to the level of premiums by the IMS consortium HPI. The premium depends on the level of risk and / or value of the investment activities of development. The consortium is compensation for the SMI in practice if the error comes from the fact that the technology offered by the institutions of research and development. In case of failure due to mismanagement, the risk is borne entirely by the HPI. The main objective is a condition in which the HPI scaling successful stage of the consortium have the compensation and the ID institutions to pay royalties for licensing its technology from its SMI