Acceso usuarios
A.O. Ajayi, B.O. Lawal
El objetivo general de este estudio es investigar el conocimiento y la percepción de los agricultores de los seguros agrarios en Oyo State, Nigeria. Para la obtención de la información se utilizó un programa de entrevistas estructuradas, que se realizó a 160 agricultores seleccionados de cuatro áreas de gobierno local de Oyo State, utilizando un método de muestreo en dos etapas. Los resultados mostró que lo agricultores tenían un escaso conocimiento de los programas de seguros agrarios, por lo que, solo unos pocos encuestados tenían aseguradas sus explotaciones. Además los agricultores tenían una percepción desfavorable de los seguros. Los principales obstáculos asociados al programa de seguros son el bajo nivel de educación de los agricultores, falta de conocimiento adecuado y comunicación entre las partes interesadas. El tamaño de la explotación y los años de escolaridad tenían una relación significativa y positiva con la percepción de los agricultores de los seguros agrarios. Además también fue encontrada la asociación positiva y significativa entre la percepción y el conocimiento de los agricultores de los seguros agrarios. El estudio recomienda más concienciación de los agricultores y un cambio de mentalidad en relación con dichos seguros, y la adopción de estrategias de diversificación por las agencias de seguros
The broad objective of the study is to investigate farmers� awareness and perception of agricultural insurance in Oyo State, Nigeria. A structured interview schedule was used to obtain information from 160 crop and livestock farmers selected from four Local Government Areas of Oyo State, using a two stage sampling method. The results show that farmers had low awareness of the agricultural insurance scheme, hence, only few of the respondents insured their farms. Farmers also had unfavorable perception of agricultural insurance. Major obstacles associated with the insurance scheme include low level of education of farmers, lack of adequate awareness and communication gap between appropriate stakeholders. Farm size and years of schooling had positive and significant relationship with farmers� perception of agricultural insurance. Also, positive and significant association was found between farmers� awareness and perception of agricultural insurance. The study recommended more awareness of agricultural insurance among farmers, changing of farmers� mind sets regarding agricultural insurance, and adoption of diversification strategy by agricultural insurance agencies.
The broad objective of the study is to investigate farmers� awareness and perception of agricultural insurance in Oyo State, Nigeria. A structured interview schedule was used to obtain information from 160 crop and livestock farmers selected from four Local Government Areas of Oyo State, using a two stage sampling method. The results show that farmers had low awareness of the agricultural insurance scheme, hence, only few of the respondents insured their farms. Farmers also had unfavorable perception of agricultural insurance. Major obstacles associated with the insurance scheme include low level of education of farmers, lack of adequate awareness and communication gap between appropriate stakeholders. Farm size and years of schooling had positive and significant relationship with farmers� perception of agricultural insurance. Also, positive and significant association was found between farmers� awareness and perception of agricultural insurance. The study recommended more awareness of agricultural insurance among farmers, changing of farmers� mind sets regarding agricultural insurance, and adoption of diversification strategy by agricultural insurance agencies.
