Informations et ressources scientifiques
sur le développement des zones arides et semi-arides

Accueil du site → Master → Pays Bas → 2016 → Ensuring inclusive insurances ? : index-based crop insurance for small-scale farmers and the role of stakeholder involvement in insurance provision in Senegal

University of Amsterdam (2016)

Ensuring inclusive insurances ? : index-based crop insurance for small-scale farmers and the role of stakeholder involvement in insurance provision in Senegal

Weingärtner L.A.

Titre : Ensuring inclusive insurances ? : index-based crop insurance for small-scale farmers and the role of stakeholder involvement in insurance provision in Senegal

Auteur : Weingärtner L.A.

Université de soutenance : University of Amsterdam

Grade : MSc International Development Studies (research) 2016

Résumé
Index-based microinsurance in agriculture is an innovative risk transfer mechanism with the potential to enhance livelihood resilience and protect agricultural investments of farmers facing weather-related hazards such as rainfall variability or droughts. Large-scale insurance provision channels are still in the process of being established and farmers’ organizations have come to feature centrally as intermediaries within these channels in the context of index insurance provision in Senegal. What the particular implications of such provision mechanisms are with regards to insurance take-up and the inclusion of small-scale farmers who are particularly vulnerable to rainfall variabilities and droughts, however, is so far unclear. This thesis thus revolves around the question of how institutional partnerships and the integration of farmers’ organizations in product development and provision influence the inclusiveness of index-based agricultural microinsurance as a livelihood risk management strategy in Senegal. A sequential mixed methods research design, entailing the collection and analysis of interview, focus group, and survey data, was used to address this question. Results indicate that farmers’ organizations, as well as other entities such as savings groups, function as central aggregators in insurance provision. Given the capacities and networks of their leadership, these organizations have a relatively strong position in the provision channels by representing the interests of their members and regrouping large numbers of potential customers for insurance products. Access to the aggregator organization, insurance provision and activities beyond the core membership, information and communication, indirect or direct mechanisms of representation and participation, as well as support with other financial services and the decrease of liquidity constraints for premium payments were identified as central organizational contributors to the inclusion of poor and vulnerable small-scale farmers in index-based microinsurance provision and development. These results contribute to practical solutions and theoretical considerations by outlining factors for inclusion in access to index-insurance and by advocating for larger attention to the institutional context in insurance product design, implementation, and in further research.

Présentation

Version intégrale

Page publiée le 11 avril 2021