Table III. Key themes of required... | Emerald Publishing

Table III.

Key themes of required actions, challenges and responsibilities/roles for behaviour change process

Phase	Action	Challenge	Responsibility/role
Awareness	Socialisation, change mindset, personal care, understanding of insurance (community leaders) and provide testimonies	Lack of trust, higher cost, need for cost benefit analysis, lack of understanding and culture, follow understanding with real actions and logical prediction of disaster/flood risk	Government, institutions, community leaders, insurance staff and young leaders
Knowledge	Socialisation, involve social science and economic teachers, guidance and workshop for community and collaboration between institutions and community for socialisation	Wider socialisation to communities, heavy workload of teachers, lack of time and interest, raise demand for insurance and different level of knowledge in the community	Staff of insurance company, insurance sector and community, insurance company, insurance role model, teachers and community leaders and members who have adopted insurance
Skills	Disciplined and trusted management to convince public, training, involve social science teachers, provide information of insurance products and education for individuals that can plan their future	Insurance training for wider public (limited resource), lack of early education for insurance awareness and quality of human resource	Insurance sector, insurance companies, role models, trained teachers and individuals who have adopted insurance
Attitude	Instruction from local government leader, provide evidence of benefits and family education	Need national regulation to back-up local government leaders and insurance sector needs to maintain trust	Community leaders in collaboration with local politicians and leaders and older people as role model

Phase	Action	Challenge	Responsibility/role
Awareness	Socialisation, change mindset, personal care, understanding of insurance (community leaders) and provide testimonies	Lack of trust, higher cost, need for cost benefit analysis, lack of understanding and culture, follow understanding with real actions and logical prediction of disaster/flood risk	Government, institutions, community leaders, insurance staff and young leaders
Knowledge	Socialisation, involve social science and economic teachers, guidance and workshop for community and collaboration between institutions and community for socialisation	Wider socialisation to communities, heavy workload of teachers, lack of time and interest, raise demand for insurance and different level of knowledge in the community	Staff of insurance company, insurance sector and community, insurance company, insurance role model, teachers and community leaders and members who have adopted insurance
Skills	Disciplined and trusted management to convince public, training, involve social science teachers, provide information of insurance products and education for individuals that can plan their future	Insurance training for wider public (limited resource), lack of early education for insurance awareness and quality of human resource	Insurance sector, insurance companies, role models, trained teachers and individuals who have adopted insurance
Attitude	Instruction from local government leader, provide evidence of benefits and family education	Need national regulation to back-up local government leaders and insurance sector needs to maintain trust	Community leaders in collaboration with local politicians and leaders and older people as role model