Mandate

Promoting livelihoods through collective action.

28 Partners, 7460 villages, 16 Districts

Coverage

Coverage of SS

Profile of Rainfed areas in the State

• About 70% of sown area of the state is rainfed.

• Rainfall is highly erratic - range from 350 mm to 1800 mm avg about 800 mm.

• Kutch and Saurashtra are perennially dry• Gujarat faces several types of land (soil)

degradation• High percentage of coastal area which is

affected by salinity.• High ground water depletion

Typology of Agriculture Risks

• Weather – excess or deficit rainfall• Pests and diseases• Input risks – spurious seeds, fertilizers and

pesticides.• Market and price• Financial risks• Ecological risks/calamities• Legal risks – changes in agri.policy

Strategy for Agriculture Development

Awareness creation, Communication and extension

• Radio Programme Titled:“Sajjata No Sang…Lave Kheti Ma Rang”. Launched on November 23, 2006. Broadcast from Ahmedabad-Vadodara and Rajkot Stations at 7:20 PM on every Thursday.• Diwadandi• Crop specific information booklets.• Audio and Video CDs• Research studies • Campaigns

Line Activity Subject Total No.

Participants

Representatives from NGOs

Farmers

Crop specific workshops on Groundnut, Cotton, Wheat and Maize

Seeds, sowing, Irrigation, scientific approach for maximum yield, Marketing pesticides

21 128 560

Congregation on Maize and Cotton

cultivation practices, of intercropping, importance of Organic cultivation, pest attacks

2 16 900

Training cum workshop Trichoderma, industry-demanded practices in marketing of agricultural produce, Value addition, Federations

3 17 110

Workshop on Producer companies

concept of Producer company, its benefits, advantage over other similar institutions such as a Co-operative Society or a Trust

2 4 57

Exposure Visits Successful federations, Livestock development, successful federation, organic farming, Micro irrigation System, grading in crop, seed production etc.

11 25 923

Capacity Building & Training

Sustainable Up scaling ofWeather Insurance in Gujarat

• Sajjata Sangh initiated a research study in 2006 for

– Study of rainfall risks & development of a customized

weather insurance product for groundnut in Jamnagar

• In 2006 itself, 35 farmers were covered under the

operational area of SAVA (partner NGO) for

– Sowing rain deficiency, Insufficient rainfall volume and

Poor rainfall distribution

• In 2007, 110 farmers bought customized product, thereby, insuring 180 acres of land.

• In 2008, in Jamnagar and Amreli 350 farmers covering 427 acres of land were insured

Process followed Sr.N

oProcess Institutions

A Product Design PRODUCT DESIGNER,

INSURANCE COMPANY,

PARTNER NGOS,

CBOS, FARMERS, METEREOL

OGICAL STATION,

1 Product review through experience

sharing workshop

2 Orientation on different products

3 Selection of design Options through

a Questionnaire-based exercise

4 Collection of 15 year rainfall data

5 Sharing draft product with farmers

6 Dialogue with Insurer for required

changes

7 Acceptance on draft Term sheets

8 Finalization on product/term sheet

PROCESS INSTITUTIONS

B Awareness Campaign

Launch programme, Village Rally, Night meetings, Video Show, Resource group training etc.

OXFAM, ILO

C Premium collection & submission NGOs, CBOs, AIC, BANK,PANCHAYAT

D Post sale services (sharing rainfall data, policy document etc)

AIC, NGOs, CBOs, FARMERS, WEATHERSTATION

E Claim settlement and declaration AIC, BANK, FARMERS

Progress in Kharif 2008 & 2009Particular Kharif 08 Kharif 09

Partners involved 4 8

Districts/ Taluka covered

2/5 8/25

Farmers covered 307 1377

Acre of land covered 357 1747

Total premium collection

Rs.1,83,274 Rs. 17,92,107

Total Sum insured Rs. 1.6 million

Rs. 12.2 million

Small & marginal farmers

11% 59%

Women Farmer covered

2% 9%

Product Developed 4 Cotton,GN

19 Cotton, GN, Maize

Ref Weather station 2 IMD (>60 km)

25 Taluka level GSDMA Rain gauge station (<25 km) 6 AWS

Total Policy holders

85103 139109.5

62 73

741

1062.33

85 859 9

48 49

208257

1377

1747.83

0

200

400

600

800

1000

1200

1400

1600

1800

DSC SSKK Utthan AKRSPI Vikas ACF PrakritiFoundation

SAVA Total

No. of farmer Total acres of land

66%

31%

3%

Cotton

Groundnut

Maize

Crop wise Insurance policies

Immediate benefits to farmers

• During 2006, The farmers got the claim of Rs 1010 against premium of Rs. 730

• In Jamnagar, out of total 203 farmers, 158 farmers have received claim of Rs. 500 per acre for sowing and 45 farmers have received Rs. 713 per acre for volume in deficit rainfall.

• In Amreli District, total 35 farmers have received Rs. 465/- per acre of claim under cotton crop for excessive rainfall against premium of Rs.750/-

Key Learning

• Effective and timely coordination with many institutions and individuals is the key for successful up-scaling

• Customizing area specific and crop specific product in a participatory manner

• Investing in time and capacity building to see that NGO staff as well as farmers actually understand the nature and benefits of insurance.

The Way Forward

• Minimizing premium rate for scaling up• Promoting weather insurance together

with crop insurance by the state Government.

• Designing farmer centric insurance products for more crops and more blocks of the state.

• Support from NABARD and other donors for Awareness and capacity building.

Thanks for listening

Any Questions?