National Academy of Agricultural Sciences (NAAS)
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PRINT ISSN : 2319-7692
Online ISSN : 2319-7706 Issues : 12 per year Publisher : Excellent Publishers Email : editorijcmas@gmail.com submit@ijcmas.com Editor-in-chief: Dr.M.Prakash Index Copernicus ICV 2018: 95.39 NAAS RATING 2020: 5.38 |
Despite the potential benefits of livelihood insurance in helping farmers in the semi-arid regions adapt to drought risks, its uptake remains limited. This paper shares findings from a study carried among the agro-pastoralists inhabiting the Kyatune-Ikanga Ward of Kitui County, Kenya. The study sought to establish the level of awareness and embracement of livelihoods insurance among the small holder farmers and the accrued benefits. 45 households were surveyed in February 2025 and data collected through face-to-face interviews using a semi-structured questionnaire. The results show that more than half of the farmers were unaware of livelihoods insurance. Logit regression results show that education, herd size, access to a bank, weather information, and drought experience positively influence awareness and adoption of livelihoods insurance. In addition to low awareness, the main barriers to adoption are lack of knowledge about the effectiveness of insurance, difficulty in affording insurance, and farmers’ low level of trust in insurance providers. Late payment of claims and inadequate compensation were the main challenges faced by adopters of livelihoods insurance. The study contributes to understanding of the drivers of awareness and adoption of livelihoods insurance. It adds to knowledge and insights for policy to help in the design and implementation of sustainable livelihood insurance as a key part of drought adaptation strategies. Raising awareness and helping farmers to assess the effectiveness of livelihood insurance, as well as developing a supportive institutional environment, are recommended for embracement to help to build a well-functioning insurance market.
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