CROP INSURANCE: PERCEPTION, ADOPTION AND EFFECTIVENESS IN ANANTAPUR DISTRICT OF A.P

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dc.contributor.advisorAPARNA, B
dc.contributor.authorMARY SHARON B, M
dc.date.accessioned2020-02-10T09:59:08Z
dc.date.available2020-02-10T09:59:08Z
dc.date.issued2019
dc.descriptionD5815en_US
dc.description.abstractIn India, Andhra Pradesh is one of the leading states in implementing crop insurance schemes in the country. In 2016-17, claim amount and number of benefitted farmers were maximum under the crop insurance schemes in Anantapur district in Andhra Pradesh. In this context, an economic assessment of crop insurance schemes which is being implemented in the district for all crops assumes importance. Hence the present study has taken up to analyze the to study the status and progress of crop insurance schemes and extent of coverage of crops in Anantapur district of Andhra Pradesh, to examine the perception and awareness among farmers of existing crop insurance schemes in targeted crops, to assess the effect of crop insurance schemes on risk minimization at farm level in Anantapur district of A.P and to assess the determinants of farmer’s participation in crop insurance and constraints in implementation. Stratified purposive cum random sampling design was employed to select a representative sample of 120 farmers from twelve selected villages of six mandals in Anantapur district of Andhra Pradesh and primary data was collected from maize and groundnut farmers through well structured schedule. Secondary data was collected from Joint Director of Agricultural Office (JDA) of Anantapur and Agricultural insurance company of India Ltd. (AIC). Statistical tools used in data analysis were growth rate analysis, Loss ratio, xiv Break-even ratio, frequencies, percentages, cost concepts, Simpson diversification index, Garrett ranking technique and binary logistic regression analysis. In Anantapur, crop insurance started with the CCIS in 1996. From this scheme 155481 farmers were benefitted in 1999. Compound growth rates were calculated for coverage of NAIS and found that the scheme was progressive in all terms which showed positive growth rates. WBCIS also implemented in district in 2011 and beneficiary ratio was very high. PMFBY was started in 2016 but over the time growth was low and growth rates were found to be negative. The study concluded that the farmers do not have in-depth awareness about crop insurance schemes. Maximum number of insured farmers were in the age group of 36-50 years and non-insured were in the age group of more than 50 years. Insured farmers were more educated than non-insured farmers. Illiterates were more in non-insured category. Most of the farmers in the sample has agriculture alone as the occupation. Average family size of insured farmer was higher than the non-insured farmer. Average land holding of the insured farmer was higher than the non-insured farmer. Cropping pattern of insured and non-insured farmers was almost same. Most of the insured farmers were taking loans from PACS (46.67 per cent) and non-insured farmers mostly from neighbors (33.33 per cent). It was observed that most of farmers were not fully aware of existence of insurance scheme and only less percent of farmers said that they have full knowledge about scheme. Most of the farmers were getting information from implementing agencies (28.33 percent). Maximum insured farmers have taken insurance due to bank compulsion (68.33 per cent). Maximum number of noninsured farmers in high insurance coverage area were taking money from cooperative societies while in low insurance coverage area, money is mostly taken from money lenders.The proportion of variable cost to total cost was 80.2 per cent under the insured category and 78.72 percent under non-insured category. In the low coverage area it was almost same as insured farmers with 78.96 per cent and non-insured farmers with 77.63 per cent. The net returns realized from groundnut cultivation by high coverage insured beneficiaries was Rs.37481.71/ha, which was higher than non-insured farmers net returns which was Rs.29561.41/ha. In case of maize, the net returns from high coverage insured beneficiaries were Rs.19121.44/ha, which was higher than that for no-ninsured farmers Rs.11217.77/ha xv The factors like family size, accessibility to credit, farm income, access to information, awareness about insurance policy and extent of the irrigation are the significant factors influencing willingness to take insurance by the farmers. Diversification index was slightly higher for non-insured farmers than insured farmers as the farmers are practicing it as risk coping mechanism. Major constraint observed from the garrett ranking method was government was not paying compensation amount in time. So it creates difficulties to the famers in the sowing of next season. Main reason behind not taking insurance by farmers was lack of much awareness about the crop insurance schemes followed by lack of premium paying capacity. Awareness building programmes should be initiated in collaboration with local banks and local administration for creating in-depth awareness and benefit perceptions of the scheme among farmers in the state to encourage them to participateen_US
dc.identifier.urihttp://krishikosh.egranth.ac.in/handle/1/5810142808
dc.keywordsCROP INSURANCE: PERCEPTION, ADOPTION, EFFECTIVENESS, ANANTAPUR DISTRICTen_US
dc.language.isoen_USen_US
dc.publisherACHARYA N G RANGA AGRICULTURAL UNIVERSITY, GUNTURen_US
dc.research.problemCROP INSURANCE: PERCEPTION, ADOPTION AND EFFECTIVENESS IN ANANTAPUR DISTRICT OF A.Pen_US
dc.subAgricultural Economicsen_US
dc.subjectnullen_US
dc.themeCROP INSURANCE: PERCEPTION, ADOPTION AND EFFECTIVENESS IN ANANTAPUR DISTRICT OF A.Pen_US
dc.these.typeM.Scen_US
dc.titleCROP INSURANCE: PERCEPTION, ADOPTION AND EFFECTIVENESS IN ANANTAPUR DISTRICT OF A.Pen_US
dc.typeThesisen_US
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