The Impact of Agricultural Index Insurance on Farmers' Welfare and Climate Resilience: Findings From Uzbekistan

IF 2.1 3区经济学 Q2 AGRICULTURAL ECONOMICS & POLICY

Australian Journal of Agricultural and Resource Economics Pub Date : 2025-05-20 DOI:10.1111/1467-8489.70023

Laura Moritz, Lena Kuhn, Ihtiyor Bobojonov

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引用次数: 0

Abstract

Farmers need to urgently adapt to changing climate conditions for sustainable rural livelihoods. Index insurance is often discussed as a promising climate adaptation strategy. Yet, a clear differentiation between ex-ante (insured but no damage) and ex-post (payout) impacts of index insurance is still scarce. Using a framed field experiment, we analyse ex-ante and ex-post impacts of index-based crop insurance on indicators of welfare and climate resilience among rainfed farmers in Uzbekistan. Results suggest that index insurance induces positive ex-ante and ex-post effects on all measured outcomes (consumption, fertiliser, savings and farm wealth). Furthermore, it reduces the need for credits by strengthening financial climate resilience after droughts. Our results contribute to assessing the efficacy of index insurance and its implications on rural welfare.

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农业指数保险对农民福利和气候适应能力的影响：来自乌兹别克斯坦的研究结果

农民迫切需要适应不断变化的气候条件，以实现可持续的农村生计。指数保险作为一种有前景的气候适应策略经常被讨论。然而，指数保险的事前（投保但无损害）和事后（赔付）影响之间仍然缺乏明确的区分。通过框架田间试验，我们分析了基于指数的作物保险对乌兹别克斯坦雨养农民福利和气候适应能力指标的事前和事后影响。结果表明，指数保险对所有测量结果（消费、肥料、储蓄和农场财富）都产生了积极的事前和事后效应。此外，它通过加强干旱后的金融气候适应能力，减少了对信贷的需求。我们的研究结果有助于评估指数保险的有效性及其对农村福利的影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Australian Journal of Agricultural and Resource Economics 管理科学-农业经济与政策

CiteScore

6.30

自引率

0.00%

发文量

审稿时长

>24 weeks

期刊介绍： The Australian Journal of Agricultural and Resource Economics (AJARE) provides a forum for innovative and scholarly work in agricultural and resource economics. First published in 1997, the Journal succeeds the Australian Journal of Agricultural Economics and the Review of Marketing and Agricultural Economics, upholding the tradition of these long-established journals. Accordingly, the editors are guided by the following objectives: -To maintain a high standard of analytical rigour offering sufficient variety of content so as to appeal to a broad spectrum of both academic and professional economists and policymakers. -In maintaining the tradition of its predecessor journals, to combine articles with policy reviews and surveys of key analytical issues in agricultural and resource economics.