A STUDY ON AWARENESS AND EXTENT OF UTILIZATION OF CROP INSURANCE SCHEME IN CHITRADURGA DISTRICT OF KARNATAKA
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Date
2019
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PROFESSOR JAYASHANKAR TELANGANA STATE AGRICULTURAL UNIVERSITY
Abstract
The present study entitled „A study on awareness and extent of utilization of crop
insurance scheme in Chitradurga district‟ had been initiated focusing on extent of
awareness, extent of utilization and feasibility of crop insurance scheme with the
following objectives; profile characteristics of respondents. Awarenes of respondents on
crop insurance scheme. Extent of utilization of crop insurance by the farmers.
Relationship between profile characteristics with respect to awareness and extent of
utilization. Constraints and suggestions perceived by the farmers. Feasibility of crop
insurance scheme as perceived by farmer and researcher.
Ex-post facto research design was followed for the study. The State of Karnataka
was selected purposively for the study. Chitradurga district of Karnataka was selected
randomly. Three blocks in the district and four villages in each block were selected
randomly. Thus, a total of twelve villages were selected. From each village 10
respondents were selected randomly thus constituting 120 respondents for the study.
Analysis of profile characteristics of respondents indicated that, majority of the
respondents are middle aged (57.50%) and majority can able to read and write
(20.00%), having medium farming experience (53.30%), small family (65.00%),
marginal farmer (38.2%), low level of income (39.17%), completely utilized the loan
(36.67%), medium information acquisition behavior (58.33%) low extension
participation (40.83%),medium economic motivation (58.33%), medium risk orientation
(53.33%)
Majority of the respondents (53.63%) possessed medium awareness on crop
insurance scheme followed by low (28.18%), high (18.18%) and 8.33 per cent of the
respondents have no awareness on crop insurance scheme.
Majority of respondents (37.17%) had low utilization of crop insurance followed
by (34.61 %) had no utilization and (23.07%) have medium utilization. Whereas only
(5.12%) of the respondents had high utilization.
The variables education, annual income information acquisition behavior,
extension participation, economic motivation and risk orientation were positively and
significantly correlated with awareness of farmers on crop insurance scheme whereas
variables age and farming experience were negatively but significantly related with
awareness of farmers on crop insurance scheme. The variables education, annual
income, information acquisition behavior, extension participation, economic motivation
and risk orientation were positively and significantly correlated with the extent of
utilization of crop insurance scheme whereas the variables age and farming experience
were negatively and significantly correlated with the attitude.
Majority of the respondents (80%) faced problem in paying insurance for the
crops that they cultivated as officials will only decide few crops a season, (76.66%)
faced problem in getting compensation in time, (75%) faced problem in paying
premium because of previous year crop failure farmers couldn‟t able to repay the loan,
(68.30%) opined less compensation offered in Crop Insurance Scheme, (66.80%) faced
problem in getting information regarding Crop Insurance Scheme, (58.30%) informed
that bank officials were reluctant to accept premium, (55%) were unable to pay
premium because of lack of documents in the name of the cultivar, (43.33%) opined
that officials have no idea about post-harvest crop loss insurance, (35%) opined
compulsory for loanee farmers made difficult for small and marginal farmers, (20%)
opined high premium amount for horticulture crops and (16.66%) informed that there is
a complex procedure for non loanee farmers.
Majority of the respondents (83.33%) suggested to detach crop insurance from
institutional loan followed by (76.6%) suggested to follow Strict measures for the
timely payment of insurance amount, (75%) provide insurance to all the crops grown in
the area and (75%) individual assessment should be followed in the scheme, (74.1%)
provide technical guidance to the farmers, (68.3%) Offer exact amount of in Crop
Insurance amount as equal to crop loss in monetary loss. (57.5%) Insurance
responsibility should be given at gram panchayat level, (54.10%) Crop cutting
experiment should be conducted at least at a village level, (50.0%) training should be
given to officials regarding complete information about the scheme, (40.83%) there
should be one Financial institution in each village which guide and assist the scheme,
(37.5%) Case worker should be appointed, (35.83%) Provide Guidance to bank
officials, (20.0%) Reduce premium amount for horticulture crops.
Majority of the respondents (55.12%) opined the scheme was not feasible
followed by (34.61%) opined the scheme was less feasible, (10.2%) opined the scheme
was moderately feasible, whereas no one opined that the scheme is highly feasible.
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D10,400