Crop Insurance as a Risk Management Strategy in Bangladesh

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ILO International Labor Organization IPCC Intergovernmental Panel on Climate Change IRRI International Rice Research Institute LDC Least Developed Country LG Local Government LGRD Local Government and Rural Development MFI Micro Finance Institutions MoEF Ministry of Environment and Forests NAIS National Agricultural Insurance Scheme NGO Non-Governmental Organization NHHP Nsambya Hospital Healthcare Plan NISA Net Income Stabilization Account NSU North South University PCIS Pilot Crop Insurance Scheme PCS Property Claim Services PDSI Palmer Drought Severity Index PGDD Personal/Group Discrimination Discrepancy PKSF Palli Karma-Sahayak Foundation PMO Prime Minister Office PRSP Poverty Reduction Strategy Paper RICS Rainfall Insurance Contracts RMA Risk Management Agency ROSCA Rotating Savings and Credit Association RWS Reference Weather Station SBC Sadharan Bima Corporation SEWA Self-Employed Women’s Association SMRC SAARC Meteorological Research Centre SPARRSO Space Research and Remote Sensing Organization SUC Standard Unit Contract ToR Terms of Reference UMASIDA Umoja wa Matibabu Sekta Isiyo Rasmi Dar es Salaam (Cooperative Health Care for the Informal Sector of Dar es Salaam) UNCTAD United Nations Commission on Trade and Development UNDP United Nations Development Programme UNFCCC United Nations Framework Convention on Climate Change USDA U.S. Department of Agriculture UTs Union Territories WB World Bank WDB Water Development Board WFP World Food Programme WMO World Meteorological Organization WTO World Trade Organization WTP Willingness To Pay vi
Table of Contents Acronyms and Abbreviations v Table of Contents vii Table of Tables ix Table of Figures x Executive summary xiii Chapter 1: Background and Introduction 1 1.1 Statement of the Problem 1 1.2 Terms of Reference (ToR) of the Study 3 Chapter 2: Crop Insurance-Conceptual Framework and Methodology for the Study 5 2.1 Conceptual Framework of Crop Insurance Programme 5 2.1.1 Critical Elements 5 2.1.2 Key Elements 6 2.1.3 Other Requirements 7 2.2 Methodology for the Study 8 2.2.1 Collection of Secondary Data and Information 8 2.2.1.1 Review of Micro-Insurance and Crop Insurance Experience Worldwide and in Bangladesh 8 2.2.1.2 Assessing the risk level in the agriculture sector under future climatic changes 9 2.2.2 Primary Data Collection and Analysis 9 2.2.2.1 Questionnaire Survey and Focus Group Discussion (FGD) 9 2.2.2.2 Field Survey among Farmers 10 2.2.2.3 Semi-structured interview and Round Table Discussion 11 2.2.2.4 Individual Interview 11 2.2.2.5 Analysis of Data 11 2.2.3 Development of a Model and structural arrangement for Crop Insurance application in Bangladesh 12 2.2.4 Identification of stakeholders and their role 12 2.3 Inception Workshop to finalize methodology 12 2.4 Finalization of methodology in Response to the Comments in Inception workshop 14 Chapter 3: Crop Insurance - Theories and Experience Worldwide 15 3.1 Risk in the Agriculture Sector in General 15 3.2 Climate Change and Risk in the Agricultural Sector 17 3.3 Typical Measures against Agriculture Risk 21 3.3.1 Public Policy Implications of Inadequate Traditional Risk Management and Coping Strategies 21 3.4 Rationale of Crop Insurance and increasing Demand 24 3.5 Limitation of Crop Insurance: Points to ponder 28 vii
Page 1: Crop Insurance as a Risk Management
Page 4 and 5: Crop Insurance as a Risk Management
Page 7: Foreword The impacts of global warm
Page 12 and 13: 3.6 Crop Insurance: some Terminolog
Page 14 and 15: Table 3.6 Advantages and challenges
Page 16 and 17: Figure 6.17 Organizational preferen
Page 18 and 19: Therefore, the main objective of th
Page 20 and 21: can be classified under different r
Page 22 and 23: National Reinsurance Scheme: The pu
Page 25 and 26: 1.1 Statement of the Problem Chapte
Page 27: improving day by day and many of th
Page 30 and 31: Individual or area approach: To det
Page 32 and 33: Availability of Trained Personnel:
Page 34 and 35: FGD was mainly conducted among the
Page 36 and 37: outputs were critically analyzed an
Page 38 and 39: Comments specifically related to me
Page 40 and 41: Figure 3.1: Factors causing variati
Page 42 and 43: than ten times, while the global po
Page 44 and 45: Figure 3.8: Change in Palmer Drough
Page 46 and 47: yielding but drought resistant vari
Page 48 and 49: implement from the perspective of p
Page 50 and 51: Table 3.4: Present status of disast
Page 52 and 53: 3.5 Limitation of Crop Insurance: P
Page 54 and 55: amount is measured by the extent of
Page 56 and 57: Contract (SUC). The premium rate fo
Page 58 and 59: Box 3.1: Examples of Parametric or
Page 60 and 61:
Therefore, index products are a bit
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3.10 Crop Insurance Experience at D
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3.11.2 Canadian Experience Crop ins
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farmer was 150 percent of the crop
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segments of the population often en
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Chapter 4: Crop Insurance - Banglad
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development of insurance business i
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unanticipated catastrophic natural
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1 st stage ……………………
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Taka 80,000.00 60,000.00 40,000.00
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and requirements of the insurance h
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Defining risk-reduction measures by
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Chapter 5: Climate Change and Agric
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21 1990 CYCLONE 39 127 171099 24289
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ppmv of CO2 combined with a 4 0 C i
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Crop Damage fully ( acre) 4000000 3
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Table 5.5: Partial listing of cyclo
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Figure 5.7: Monthly mean temperatur
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magnitude or an intense or high mag
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Historical monthly values Mean Stan
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6.1 Field Survey Chapter 6: Crop In
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Son of BoroBari now day labor (Curt
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Figure 6.4: Drought prone regions o
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Figure 6.7: Response to disaster al
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Figure 6.10: Agro-ecological sub-re
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season. Sunamgonj, as Haor region,
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% of farmer % of farmer % of farmer
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Page 117 and 118:
Page 119 and 120:
6.3 Farmer’s Views on Climatic Ef
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disastrous affect as such mode of l
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disbursement and Insurance Company
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Chapter 7: Summary Findings & Demon
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an incident occurred and farmers we
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Moral hazards: Theoretically moral
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duration of disaster is important h
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increased to 8.51% in 2003. Such a
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- Referring to crop growth models u
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data, for example, can establish an
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particular gauge station can be com
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Figure 7.6 Defined danger level by
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Methodology to develop an index in
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Structuring the Product Once the in
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did not cross the Weather Index val
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methodology, and applicability can
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References Anderson, J. (2001). Ris
Page 153 and 154:
Linnerooth-Bayer, J., Mechler, R. a
Page 156:
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Crop Insurance as a Risk Management Strategy in Bangladesh

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