Farmers Perceptions towards Agricultural Insurance Schemes in Southern Rajasthan: The Case of National Agricultural Insurance Scheme (NAIS) and Weather Base Crop Insurance Scheme (WBCIS)

S. D. Samota, K.L. Dangi, S.L. Yadav, R. K. Yadav
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Abstract

Crop insurance is an insurance prearrangement aiming at mitigate the financial losses suffered by the farmers due to damage of their crops due to various production risks beyond their control like natural fire, weather, floods, pests, diseases etc. Government of India started offering crop insurance in 1985, with the Comprehensive Crop Insurance Scheme. This encourages farmers to carry on with their productive efforts, which not only improves the welfare of the farmers but finally helps in stabilizing the agricultural output. In total majority of respondents, the insured loanee farmers 88 (88/150) (58.70 per cent) stated favourable attitude, while 35 (35/150) (23.30 per cent) could be found under less favourable category. The 27 (27/150) (18.00 per cent) farmers reported under highly favourable proportion. Statement wise attitude of insured loanee farmers in five-point continuum recorded most favourable attitude with mean per cent score 81.52, 78.17, 77.49 and 71.50 and placed at 1st, 2nd, 3rd and 4th respectively. This stated that the farmers can sustain natural calamities and compensation is available in time.
拉贾斯坦邦南部农民对农业保险计划的看法:国家农业保险计划(NAIS)和气象基础作物保险计划(WBCIS)案例
农作物保险是一种预先安排的保险,旨在减轻农民因自然火灾、天气、洪水、病虫害等无法控制的各种生产风险而遭受的经济损失。印度政府于 1985 年开始提供农作物保险,推出了 "农作物综合保险计划"。这鼓励了农民继续努力生产,不仅提高了农民的福利,而且最终有助于稳定农业产量。在大多数受访者中,有 88 人(88/150)(58.70%)表示对投保农作物保险持赞成态度,35 人(35/150)(23.30%)表示不太赞成。27(27/150)名农民(18.00%)表示非常赞成。在五点连续统中,受保贷款农户的陈述态度最积极,平均百分比分别为 81.52、78.17、77.49 和 71.50,排在第一、第二、第三和第四位。这表明农民能够承受自然灾害,并能及时获得赔偿。
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