Crop Insurance as a Risk Management Strategy in Bangladesh

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Figure 3.8: Change in Palmer Drought Severity Index (PDSI) for 1990 – 2002 Source: IPCC 4 th Assessment, 2007 Figure 3.9: Dynamics of risks, uncertainties and losses (Source: IPCC AR4, 2007) 20
Figure 3.10: Historical change in climatic extreme events 3.3 Typical Measures against Agriculture Risk Technical measures – Dykes or embankment to protect from flood, assured irrigation from surface or groundwater sources, use of pesticides, fertilizer, judicious use of land, crop rotation/mixed cropping, choice of plant varieties and animal breeds, crop and animal husbandry practices, genetic modification of crop pattern to adjust to the calamities, etc. Other than these, economic measures like diversification of farm enterprises and by improvements in marketing and institutional set-up might also work there. In many countries the state provides aid or relief to the agricultural sector in the event of a natural catastrophe as a matter of Public Policy. In some countries this is done on an ad hoc basis while in others there are formal arrangements and even legislation for this purpose. It is true that globally agricultural production could be significantly improved adopting such measures but the residual risk from the natural hazards still affecting agricultural sector enormously. As already mentioned, in the changing climate it might aggravate further. Moreover, the technical measures sometimes found to be not effective like some of them might be counter-productive. 3.3.1 Public Policy Implications of Inadequate Traditional Risk Management and Coping Strategies While some of the on-farm, risk mitigation practices are time tested and highly recommendable such as crop diversification, intercropping, soil humidity management, integrated pest management, irrigation, and accumulating savings. Many of the other practices such as plot fragmentation, economizing on purchased inputs, and the use of low- 21
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 10 and 11: ILO International Labor Organizatio
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 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
Page 62 and 63: 3.10 Crop Insurance Experience at D
Page 64 and 65: 3.11.2 Canadian Experience Crop ins
Page 66 and 67: farmer was 150 percent of the crop
Page 68 and 69: segments of the population often en
Page 71 and 72: Chapter 4: Crop Insurance - Banglad
Page 73 and 74: development of insurance business i
Page 75 and 76: unanticipated catastrophic natural
Page 77 and 78: 1 st stage ……………………
Page 79 and 80: Taka 80,000.00 60,000.00 40,000.00
Page 81 and 82: and requirements of the insurance h
Page 83 and 84: Defining risk-reduction measures by
Page 85 and 86: Chapter 5: Climate Change and Agric
Page 87 and 88: 21 1990 CYCLONE 39 127 171099 24289
Page 89 and 90: ppmv of CO2 combined with a 4 0 C i
Page 91 and 92: Crop Damage fully ( acre) 4000000 3
Page 93 and 94: Table 5.5: Partial listing of cyclo
Page 95 and 96:
Figure 5.7: Monthly mean temperatur
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magnitude or an intense or high mag
Page 99 and 100:
Historical monthly values Mean Stan
Page 101 and 102:
6.1 Field Survey Chapter 6: Crop In
Page 103 and 104:
Son of BoroBari now day labor (Curt
Page 105 and 106:
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
Page 125 and 126:
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
Page 133 and 134:
increased to 8.51% in 2003. Such a
Page 135 and 136:
- Referring to crop growth models u
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data, for example, can establish an
Page 139 and 140:
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
Page 145 and 146:
Structuring the Product Once the in
Page 147 and 148:
did not cross the Weather Index val
Page 149 and 150:
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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