EVALUATION OF THE PRADHAN MANTRI FASAL BIMA YOJANA IN JAMMU DISTRICT

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Date
2022-01
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Sher-e-Kashmir University of Agricultural Sciences and Technology of Jammu
Abstract
The present study,“Evaluation of the Pradhan MantriFasalBimaYojana in Jammu district” was conducted by employing the exploratory with/without design. A sample of 160 of PMFBY farmers from the eight blocks of Jammu district namely Akhnoor, Khour, Balwal, Nagrota, Dansal, Bishnah, Marh and R.S. Pura were selected by employing purposive cum random sampling method. For control group, 40 non-PMFBY farmers were selected by employing convenient sampling method. The data were collected through structured interview schedule. The result revealed that majority of farmers (80%) in both the PMFBY and the non-PMFBY were having marginal landholding and 88 percent farm households had non-farm sources of income. Compared to the 100 percent PMFBY farmers having Kisan Credit Card (KCC), only five percent of the non-PMFBY farmers had KCC and this was the main reason for non- PMFBY famers not getting their crop insured. This was also reflected by the fact that significant difference was observed in financial inclusion of the PMFBY and other farmers. The area coverage under crop insurance in 2017-18 for kharifand rabicrops ranged between 22.8 percent and 25.1 percent respectively, over time the PMFBY does not show a positive impact, as in 2019-20 and 2020-21, the farmers and area covered under the crop insurance was zero. Though inkharif 2021, 18654 farmers had insured under the PMFBY, but the area covered has declined (47.1 %) with respect to kharif 2017. Overall perception index of the sampled PMFBY farmers towards the PMFBY crop insurance was 0.50, which is not favorable.The socio-economic independent variable were havingsignificant negative association with the dependent variable of PMFBY adoption were: level of education, government employment, shop-keeping and MGNREGA. Whereas average family size, private employment, KCC holder and number of source of income were positively correlated. The main reason for non-adoption of the PMFBY by the control group of farmers was that the PMFBY scheme of crop insurance is beneficial to larger farmers which cannot be subsentiated from the data as the majority of sampled farmers in the PMFBY and non-PMFBY groups were having marginal landholding. The government need to popularize the PMFBY scheme for its scaling out and it should not be area specific but it should be individual assessment based.
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Preferred for your work. Bhagat,L.2021.Evaluation of the Pradhan Mantri Fasal Bima Yojana in Jammu District, Sher-e-Kashmir University of Agricultural Sciences and Technology of Jammu, India.
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