Farmer Crop Insurance Scheme Adoption process with application Theory of Planned Behavior (TPB)
Article Sidebar
Main Article Content
The study found that farmers' awareness of crop insurance schemes has a positive and insignificant influence on their attitude toward the scheme. However, a lack of awareness hurts farmers' attitudes. Social norms considerably impact behavioural intention, with a C.R. of 1.868. Perceived behaviour control (PBC) has an insignificant influence on behavioural intention, while risk awareness has less impact. Awareness about crop insurance schemes significantly affects farmer behavioural intentions, with a positive attitude (3.45/5.0) and a significant impact on crop insurance behaviour. Perceived behaviour control has less impact on farmer crop insurance behaviour. The analysis considers income, attitude towards crop insurance, behavioural intention, and insurance behaviour as dependent variables. Results show no significant difference in education, attitudes, or insurance behaviour among different groups. Low-income farmers showed significant differences from middle- and high-income farmers, as per Scheffe's post-hoc tests. crop insurance and risk awareness explained a 34% (R squared) variance in farmers' attitude toward crop insurance towards the scheme. Attitude, Perceived behaviour control, social norms, Awareness about crop insurance schemes, and Knowledge about crop insurance, variables explain 43% variance in the behavioural intention of the farmers.
Downloads
References
Adah, O. C., Chia, J. I., & Shaibu, M. U. Assessment of rural farmers’ attitudes toward agricultural insurance scheme as a risk management strategy in Kogi State, North Central Nigeria. Assessment, 2016; 7:14.
Ajzen, I.The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 1991;179:211.
Alex, V., Adah, O. C., & Benjamin, S. Assessment of herbicides adoption among maize farmers in Kogi east of Kogi state, Nigeria. SSRN Electronic Journal. 2023;23:61
Dhande, S. J. Knowledge and attitude of farmers towards crop insurance scheme (Doctoral dissertation, Vasantrao Naik Marathwada Krishi Vidyapeeth, Parbhani). 2017;34:87
Fornell, C., & Larcker, D. F. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1),1981.
Hossain, M. SThe influence of flood risk behavior on crop insurance purchase decisions among Bangladeshi smallholder farmers. 2024;12:32
Husin, M., & Rahman, A. Do Muslims intend to participate in Islamic insurance? Analysis from theory of planned behaviour. Journal of Islamic Accounting and Business Research, 7(1), 2016; 42:58.
Jamanal, S. K., Natikar, K. V., & Halakatti, S. V. Development of a scale to measure the attitude of farmers towards crop insurance scheme. Asian Journal of Agricultural Extension, Economics & Sociology, 1-9. 2019; 23:67.
Johari, M. H., Saili, A. R., Ahmad, M. K., & Azam, N. H. Factors influencing the Paddy farmers' intention to purchase crop insurance: A study case in Kedah. International Journal of Academic Research in Business and Social Sciences, 14(1) 2024;54:59
Kumari, M., Singh, K. M., Mishra, R. R., Sinha, D. K., & Ahmad, N. Role of socio-economic variables on adoption of crop insurance schemes. SSRN Electronic Journal. 2017;34.
Md Husin, M., & Ab Rahman, A. Do Muslims intend to participate in Islamic insurance? Journal of Islamic Accounting and Business Research, 7(1),2016; 42:58.
Mohamad Basir, F. A., Roslan, A., Zakaria, N. N., Nasron Ooi, N. Q., & Anggraini, R. Determinants of smallholder farmers' awareness of crop insurance in Kedah, Malaysia. Information Management and Business Review, 16(1(I)S),2024; 229:237.
Rabiu, A., May, O., Bello, S., Ibrahim, A., Musa, A., Bello, A., & Mukhtar, B. Sero-surveillance and risk factors of hepatitis B virus among pregnant women in Sokoto, north-western Nigeria. International STD Research & Reviews, 7(1), 2018; 1:9.
Rahman, S. A., & Husin, H. (2022). Strategi pondok Pesantren dalam Menghadapi era society 5.0. Jurnal Basicedu, 6(2), 1829-1836.
Ray, K., Hasan, S. S., & Goswami, R. Techno-economic and environmental assessment of different rice-based cropping systems in an inceptisol of West Bengal, India. Journal of Cleaner Production, 205, 2018; 350-363.
Samota, S. D., Dangi, K., Yadav, S., & Yadav, R. K. Farmers perceptions towards agricultural insurance schemes in southern Rajasthan: The case of national agricultural insurance scheme (NAIS) and weather base crop insurance scheme (WBCIS). Asian Journal of Agricultural Extension, Economics & Sociology, 42(6), 2024; 210-214.
Singh, R. K., & Singh, K. M. An overview of agricultural credit and crop insurance in Bihar. SSRN Electronic Journal. 2013;34:76.
Singh, R. S., & Singh, N. Trends in area, production and productivity of summer Paddy in Chhattisgarh. International Journal of Agricultural Science and Research, 8(4), 2018; 91-98.
Suriansyah, Nurliza, Dolorosa, E., Rosyadi, & Suswati, D. Intention to transition: Natural rubber smallholders navigating the risks of farming. Sustainability, 16(5), 2024; 1765.
Wang, H. H., Tack, J. B., & Coble, K. H. Frontier studies in agricultural insurance. The Geneva Papers on Risk and Insurance - Issues and Practice, 45(1), 2019; 1-4
This work is licensed under a Creative Commons Attribution 4.0 International License.
All articles published in our journal are licensed under CC-BY 4.0, which permits authors to retain copyright of their work. This license allows for unrestricted use, sharing, and reproduction of the articles, provided that proper credit is given to the original authors and the source.