Nijerya Delta eyaleti, delta kuzey tarım bölgesindeki mahsul çiftçileri arasında tarım sigortası himayesinin belirleyicileri

Abstract

Objective: The objective of this paper was to identify the determinants of patronage of agricultural insurance in Delta north agricultural zone, Delta State Nigeria. Material and Methods: A multistage sampling technique was used to select 120 respondents. Data were obtained through questionnaire administration. Descriptive statistics, logit model, and t-test were employed in the study. Results: The findings showed that the mean age was 48 years with 59.2% of female farmers. About 60% of them had secondary education with a mean farm size of 2.10 ha. The mean farming experience was 11 years with 75% of the farmers not belonging to a cooperative society with a mean income of N80, 278.33. The major risks were pests, high temperature, variation in yield, flood and the least were a fire outbreak. Only 39.2% of the farmers are aware of agricultural insurance. The logit model showed that the age of farmers, educational level, premium rate, farm size, accessibility to credit, gender, awareness, and land tenure influenced farmers' decision to patronize agricultural insurance. Conclusion: This study examines insurance patronage by highlighting the interaction between the socioeconomic factors of farmers and the decision to patronize insurance. As far as this study is concerned, the identified factors will significantly improve patronage and increase productivity.