A scale was developed to measure the "attitude of farmers towards Crop Insurance Scheme". Based on the review of literature and discussion with the expert's, 48 statements were enlisted. The Likert's summated rating scale was followed in the construction of scale. The list of 48 statements were sent to a panel of 250 experts with the request, to critically evaluate each statement for its relevancy to measure the attitude of farmers towards Crop Insurance Scheme. Out of 250 experts selected for the scale construction, 74 experts responded in time and at the earliest. Based on their judgment an aggregate of 30 statements was selected by finding the Relevancy Weightage (RW). Accordingly, statements having relevancy percentage >75, relevancy weightage >0.75 and mean relevancy score >3.00 were considered for the item analysis. In item analysis, the selected 30 statements were administered on 40 farmers in the non-sample area. Finally, a total of 24 statements were selected for the study, based on the ‘t’ values (> 1.75) resulted from the item analysis and were included in the final scale. The ‘r’ value of the scale was found to be 0.81, which was significant at one per cent level indicating the high reliability. Hence, the scale developed was found to reliable and valid. Thus, the instrument developed to measure the attitude of farmers towards Crop Insurance Scheme is useful in the similar studies.
Crop insurance is one of the methods by which farmers can stabilize farm income, investment and guard against disastrous effect of losses due to natural hazards or low market prices. Crop insurance not only stabilizes the farm income but also helps the farmers to initiate production activity after a bad agricultural year. The study was conducted in Karnataka State during 2017-18 by using “Ex-post- facto” research design. Belgavi, Dharwad, Haveri and Vijayapura districts were selected purposely based on more number of insured farmers. Further, two taluks from each district and from each taluk three villages (i.e. total 24 villages) were selected randomly. Sample size for the study was 240. Purposive sampling procedure was used. The data collected from respondents were tabulated and analyzed by using Garrett’s Ranking Technique. The findings of the study revealed that, delay in getting the claim was the prime constraint faced by the insured farmers with a highest Garret Score (GS) of 73.53 and ranked as first (I), followed by inadequate compensation (GS-61.51 and Rank-II) and officials bias in loss assessment (GS-56.42 and Rank-III). With respect to suggestions given by the farmers were, claim should be dispersed before starting of the next season with utmost priority by farmers with a Garret Score of 75.70 and ranked first (I), followed by creation of separate insurance cell at Block / Taluk level (GS-66.40 & Rank-II) and more number of trainings need to be organized on Crop Insurance Scheme (GS-54.91 & Rank-III). The study brought out various constraints faced by the farmers related to Crop Insurance Schemes. Thus, concerned officers should approach the State Government to make sincere efforts to pay the claim before the start of next season and conduct more number of training and awareness programmes. Non-loanee farmers also should be encouraged by simplifying the online registration process and making the ‘Samrakshane Portal’ farmer friendly.
Universally agriculture is perceived to be synonymous with risk and uncertainty. Agricultural insurance is one of the risk management strategies to overcome risk to the greater extent. It helps in stabilization of farm production and income of the farming community. Crop insurance will not only helps the farmers to withstand the shock from uncertain situations but also acts as incentive to use the resources efficiently and achieve higher level of productivity. The study was conducted in Karnataka State during the year 2017-18 by using the "Ex-post- facto” research design. Belgavi, Dharwad, Haveri and Vijayapura districts were selected purposively based on more number of insured farmers. Further, two taluks from each district and from each taluk three villages (i.e. total 24 villages) were selected randomly. The sample size for the study was 240. The findings of the study revealed that fifty-one per cent (51.67%) of the insured farmers had low level of satisfaction with respect to crop insurance schemes followed by medium (32.92%) and high (15.41%). The variables such as education, land holding, annual income, extension contact and mass media exposure exhibited positive significant relationship at five per cent level of probability with the satisfaction level of insured farmers. The coefficient of determination (R2) was 0.450 which indicated that 45.00 per cent of the variation in satisfaction level of insured farmers was together explained by all the independent variables. In the present study farmers satisfaction was found to be low. Thus, concerned officers should conduct awareness programmes, inform the farmers on or before conducting the Crop Cutting Experiment, make the loss assessment procedure flexible and hassle free and disperse the claim before starting of the next season.
Agriculture production and farm income in India are frequently affected by natural disasters such as droughts, floods, cyclones, storms, landslides and earthquakes. In recent times, mechanisms like contract farming and future trading have been established which are expected to provide some insurance against price fluctuations directly or indirectly. But, agricultural insurance is considered as an important mechanism to address the risk of output and income effectively which is resulting from various natural and manmade events. The study was conducted in Karnataka State during the year 2017-18 by using “Ex-post- facto” research design. Belgavi, Dharwad, Haveri and Vijayapura districts were selected purposely based on more number of insured farmers. Further, two taluks from each district and from each taluk three villages (i.e. total 24 villages) were randomly selected. Sample size for the study was 240. Purposive sampling procedure was used. Descriptive statistics and multiple linear regression model were applied to analyze the data. The findings of the study revealed that, 44.17 per cent of the insured farmers belonged to low knowledge level followed by medium (37.92%) and high (17.91%) level with respect to Crop Insurance Schemes. The variable ‘credit availed’ had positive and significant relationship at one per cent level of probability. The co-efficient of determination (R2) was 0.427 which indicated that 42.70 per cent of the variation in the knowledge level of insured farmers was together explained by all the independent variables. Thus, concerned officers should conduct awareness programmes from time to time by using different extension teaching methods like trainings, workshops, distribution of pamphlets, road shows, advertisement through television, newspaper, radio, mobile SMS etc to enhance the knowledge level of farmers.
The study was conducted in Karnataka State during 2017-18 by using “Ex-post- facto” research design. Belgavi, Dharwad, Haveri and Vijayapura districts were selected purposely based on more number of insured farmers. Further, two taluks from each district and from each taluk three villages (i.e. total 24 villages) were selected randomly. Sample size for the study was 240. The findings of the study revealed that, majority of the farmers (53.33%) belonged to middle age, 35.42% of them had received middle school education, majority of the insured farmers (94.16%) were not participated in any training, 47.08% of the respondents belonged to medium annual income category and 39.58% of the insured farmers borrowed loan less than 49000 rupees. About 56.67% of the insured farmers belonged to medium land holding category, medium farming experience (37.50%), medium annual income category (47.08%), medium level of extension contact (43.75%), medium level of mass media exposure (44.16%), medium scientific orientation (42.08%), medium category of risk orientation (52.50%) and medium category of organizational participation (45.83%). More than fifty % (51.25%) of the insured farmers belonged to high perception level with respect to extent of climate variation followed by medium (29.58%) and low (19.17%).
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