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Adaptability of Crop Insurance as a Risk Mitigation Mechanism by the Farmers of Assam – An Analysis of Modified National Agricultural Insurance Scheme (MNAIS)

C. Hazarika 1 and Sabina Yasmin 2
1. Post Graduate Studies, Assam Agricultural University, Jorhat, India
2. Department of Economics, Guwahati University, Guwahati, India
Abstract—Crop insurance schemes have failed to address the insecurities of the farmers and risk in agricultural production. It is indeed a matter of concern that even after a decade of the implementation of crop insurance schemes in Assam; the farmers are yet to reap the benefits from the scheme. The present study aims to address the adaptability constraints faced by the farmers under MNAIS. In this study with the participation of the insured and uninsured farmers, attempts have been made to find out some key factors that influence the participation of the farmers of Kamrup (R) and Dhubri district in adopting the crop insurance scheme. LOGIT model was used in the study. The level of education, income and distance from financial institutions were some of the important variable that has an impact on purchase of insurance. Probability of insurance was significantly higher for those who have access to non farm income. Expeditious settlement, crop cutting experiments, lack of cooperation from the officials, insurance units and insurance illiteracy were some of the major problems faced by the farmers in MNAI scheme.
 
Index Terms—crop insurance, MNAIS, factors influencing crop insurance participation

Cite: C. Hazarika and Sabina Yasmin, "Adaptability of Crop Insurance as a Risk Mitigation Mechanism by the Farmers of Assam – An Analysis of Modified National Agricultural Insurance Scheme (MNAIS)," Journal of Advanced Agricultural Technologies, Vol. 5, No. 1, pp. 58-62, March 2018. Doi: 10.18178/joaat.5.1.58-62
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