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A System Of Drought Insurance For Poverty Alleviation In Rural Areas

The estimates in this table are based on data collected in 2007 and 2008, before the implementation of the BadgerCare Plus Core Plan, which provides health care coverage to some childless adults in Wisconsin. The combined 2007-2008 Family Health Surveys estimate that there were 87,000 childless adults ages 19-64 who were uninsured for all of the past year and who lived in households with annual incomes below 200 percent of the Federal Poverty Level. Table 3 displays the characteristics of these 87,000 people. The “Percent” column indicates the estimated proportion of uninsured low-income childless adults (19-64). | Final Report A system of drought insurance for poverty alleviation in rural areas A feasibility study of a practical method of drought insurance that is self-sustaining and ready for use by poor farmers NGOs or other development organizations Authors Jacqueline Diaz Nieto Simon Cook Mark Lundy Myles Fisher Diego Sanchez Edward Guevara Bundesnniiraisteriuni Fur wirtschaftiiche Zusammenarbeit und EnSwicHung ỚCRS oil BL IL 1JEF AwKB Table of Contents TABLE OF CONTENTS.I LIST OF FIGURES.III LIST OF TABLES.V ACKNOWLEDEGEMENTS.VI EXECUTIVE SUMMARY.VII 1. INTRODUCTION.1 1.1. Poverty and risk.1 1.1.1. Self insurance as a detrimental mechanism for coping with risk.1 1.2. InsuRance as an effective tool to managE risk. .2 1.2.1. Why insurance in a more effective risk management tool.2 1.2.2. Reasons for failure ofprevious agricultural insurance schemes not weather insurance .4 1.3. Weather iNsurance As a solution.5 1.3.1. Principles of weather insurance .5 1.3.2. Weather-insurance products.5 1.3.3. Functioning weather insurance schemes.7 1.3.4. What are the main challenges in developing weather insurance.8 1.3.5. Basis risk.8 1.3.6. Reinsurance.11 1.3.7. Agent-partner model.12 2. CASE STUDY WEATHER INSURANCE FOR DRYBEAN FARMERS IN NICARAGUA. 14 2.1. drybean production in north-central Nicaragua.14 2.1.1. Where are drybeans produced .14 2.1.2. When are drybeans produced.15 2.1.3. Drybean varieties.15 2.1.4. Climate and drybean production.15 2.1.5. Soils. 16 2.2. Rural micro finance in Nicaragua.17 2.2.1. Characteristics of loans.17 2.2.2. Access to loans - who qualifies .18 2.2.3. Defaults. 19 2.3. Exposure of small-holder drybean farmers to weather risk and its impacts.19 2.3.1. What do farmers think about weather risk.19 2.3.2. Coping strategies.23 3. CONSIDERATIONS FOR DEVELOPING RAINFALL INSURANCE FOR DRYBEAN FARMERS IN NICARAGUA. 25 3.1. technical considerations for the design of an effective weather insurance scheme 25 3.1.1. The payout index must be highly correlated .