The Pradhan Mantri Fasal Bima Yojana was implemented to protect the farmers from crop loss due to unforeseen events and to reduce the burden of financial risk of farmers. Even though this crop insurance programme was found to be farmer friendly, rural people still feel difficulties in understanding and accepting it. Therefore, this problem analysis has become an important thrust area of extension research in the present context. The problem analysis would help to lubricate the process of diffusion of new insurance schemes among farmers. In this context, the study was undertaken in Tumkur district of Karnataka to analyse the constraints faced by the beneficiaries of Pradhan Mantri Fasal Bima Yojana. 120 respondents were selected by using the proportionate random sampling technique. Sixteen independent variables were selected based on judges' relevancy rating and were quantified using appropriate measurement devices. The data were collected using a pretested structured interview schedule and statistical tools Garret ranking techniques, mean and SD were used to analyze the data. Delay in getting claims (Rank I), inadequate compensation (Rank II), official bias in loss assessment (Rank III) and complex procedure (Rank IV) were the major problems experienced by beneficiaries. Problem with the time shortage and to pay the premium (Rank I), lack of awareness (Rank II) and not submission of required documents (Rank III) were the consequences for not getting benefits by non-beneficiaries. Claim should be dispersed before starting of the next season (Rank I), creation of separate cell at Block / Taluk level (Rank II), greater number of trainings need to be organized on the scheme (Rank III) and village level provision of insurance facilities (Rank IV) were the important recommendations given for the implementation of Pradhan Mantri Fasal Bima Yojana for the benefit of needy farmers. Delay in getting claims and inadequate compensation problems should be taken into consideration by the concerned development department officials of state government and insurance companies. So, that the early settlement of claims and adequate compensation is given to them. Educate farmers through online platforms, simplifying procedure of the registration process and claim settlement. Further, creation of separate PMFBY cell at village and block level, more advertisement on the scheme in mass media helps to reap the benefits by all the farmers.
The current study was undertaken in Tumkur district of Karnataka. A total of 120 farmer beneficiaries of Pradhan Mantri Fasal Bima Yojana were selected by using the random sampling technique. About sixteen independent variables were selected based on judges' relevancy rating and were quantified using measurement devices. The data were collected using a pretested structured interview schedule and suitable statistical tools were used to analyze the data. The knowledge level of beneficiaries reported that, more than half of the farmers (53.33%) belongs to medium knowledge level, 25.00% belongs to high knowledge level and 21.67% belongs to low knowledge level. The variables like age, annual income, education, land holding, farming experience, extension contact, extension participation, scientific orientation, cosmopoliteness, achievement motivation, mass media exposure and crops cultivated had positive and significant association with knowledge level. Risk orientation, economic motivation and credit orientation had positive and significant at one per cent level. However, social participation was found to be non-significantly associated with the knowledge on Pradhan Mantri Fasal Bima Yojana. A comprehensive knowledge on scheme and an insurance of crops against natural disasters can become immense value to farmers. The government has to take new initiatives to help farmers thereby providing life security and make them confidence in their profession. Extension personnel working at gross root level should provide timely and complete information on Pradhan Mantri Fasal Bima Yojana by using suitable extension methods.
To remove the inherent flaws in the existing crop insurance schemes Pradhan Mantri Fasal Bima Yojna was launched in India since 2016. This scheme has ensured farmers to pay lesser premium to insure their crops. Even though scheme is farmer friendly, many farmers have not accepted and adopted the scheme. Hence, there is a need to study on the factors affecting the attitude levels of the farmers on the new crop insurance scheme. Therefore, the study was undertaken in Tumkur district of Karnataka. A total of 120 farmer beneficiaries of Pradhan Mantri Fasal Bima Yojana were selected for the study by using the proportionate random sampling technique. Sixteen independent variables were selected based on judges' relevancy rating and were quantified using measurement devices. The data were collected using a pretested structured interview schedule and suitable statistical tools were used to analyze the data. Majority of the respondents (48.33%) had a favourable attitude towards the scheme. The variables, namely, age, education, land holding, annual income, farming experience, extension contact, extension participation, social participation, scientific orientation, risk orientation, economic motivation, credit orientation and crops cultivated had positive and significant association at five per cent level. Cosmopoliteness and achievement motivation had positive and significant association at one per cent level. The study revealed that the attitude of farmers has played a pivotal role for complete acceptance of developmental programme of the government such as Pradhan Mantri Fasal Bima Yojana.
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