Perception of farmers on agricultural insurance In Minimizing the Risk of Harvest Failure in Flood Prone Locations, Bojonegoro Regency, East Java
Juliana C.Kilmanun, Rusli Burhansyah, Moh. Saeri

National Research and Innovation Agency

Abstract

Conditions of climate change, especially flooding in paddy fields, require an effort to minimize the risk of crop failure for farmers. Agricultural insurance is one solution. In Pasuruan district the insurance program has been implemented. Research on farmers^ perceptions of agricultural insurance needs to be carried out with the aim of: measuring farmers^ perceptions of agricultural insurance as an effort to minimize the risk of crop failure in flood-prone paddy fields. Identify what factors support and hinder the implementation of insurance in Bojonegoro district and formulate recommendations for the development of agricultural insurance that is carried out. Based on the results of the study, it shows that farmers^ perceptions of agricultural insurance are generally good. However, there is a need for recommendations to develop an optimal insurance socialization program and it is necessary to improve the number of claims submitted by farmers, both in the length of time for payment and the number of claims paid. The expected development recommendations are the need for direct review by the insurer at the time of the claim, periodic socialization of the insurance program from the agricultural insurance provider and segregation in premium and claim rates.

Keywords: Perception, agricultural insurance, risk, Harvest failure, rice fields, flood prone

Topic: Agricultural Socio-Economics