Farmers Insurance is Like "Honey" Instead of "Poison"

Farmers Insurance is Like "Honey" Instead of "Poison": Agriculture is one of the businesses that are vulnerable to the negative impacts of climate change and as a risky business protection needs of probability of failure so that stakeholders enjoy the "honey" in the business.

The impact of climate change on food security in a coherent national occur, ranging from a negative effect on the resources (land and water), agricultural infrastructure (irrigation) to the production system through productivity, extensive planting and harvesting. Farmers also have more limited resources to be able to adapt to climate change.

Common agricultural risk struck this business is derived from crop failure occurrence of extreme climate change, pests or lack of use of agricultural technologies.

Analysts agree that one of the alternatives to get protection from the probability of failure is to implement farmers insurance. Although the implementation is quite difficult, does not mean there is no hope. Some countries have implemented and proven successful farmers insurance protection.

In developed countries like the United States, Japan, and several European countries, farmers insurance is growing rapidly and effectively to protect farmers. Therefore, farmers insurance is one of the strategies to adapt to climate change. This condition is different from that prevailing in developing countries.

The development of farmers insurance is diverse and not show satisfactory results. In Taiwan, a well-developed farmers insurance; in India, Bangladesh, and the Philippines progress has been slow, while in Thailand is less developed, to succeed insurance program they are need Design of Farmers Insurance.

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Design of Farmers Insurance

Design of Farmers Insurance - Development of farmers need to consider the factors insurance purposes and principles of the development of the farmers insurance agencies, such as the farmer's behavior in the face of risk, and the prerequisites that must be met for the passage of the farmers insurance system.

In practice, the development of insurance farmers need to pay attention to the following three basic things:

1. the decision by the majority of farmers do not only consider economic factors but also social and cultural;

2. the majority of small-scale farming, and often as a sideline business; and

3. farming generally dispersed with diverse cropping pattern. All this will affect the operating costs of the insurance farmers. If you do not already know the farmers insurance please read post farmers insurance protection.

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Farmers Insurance Protection

Farmers insurance - As risky business farmers also need to be protected from the chance of failure.
One alternative is to apply the farmer insurance. This is because the agriculture sector is a market that has not been explored by the insurance sector.

Agriculture is one business that is vulnerable to the negative impacts of climate change, such as floods and droughts can cause crop failure. If not anticipated correctly, this could potentially weaken the motivation of farmers to develop farming, can even threaten food security.

Farmers insurance program is an economic institution for the management of risk faced by farmers. Farmers insurance goal to stabilize farmers' income by reducing the level of losses suffered due to loss of crops. Although the implementation is quite difficult, does not mean there is no hope. Some countries have implemented and proven successful farmer insurance.

Insurance aims to stabilize farm income of farmers by reducing losses of crops, so as to stimulate farmers to adopt technologies that can improve the production and efficiency of resource use. Farmers Insurance is Like "Honey" Instead of "Poison".

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