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MAKING AGRICULTURAL INSURANCE IN INDIA FARMER-FRIENDLY AND CLIMATE RESILIENT

  • Kumar, K. Nirmal Ravi
    • Agribusiness and Information Management
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    • v.11 no.1
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    • pp.27-39
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    • 2019
  • Agricultural risks are exacerbated by a variety of factors ranging from climatevariability and change, frequent natural disasters, uncertainties in yields and prices, weakrural infrastructure, imperfect markets and lack of financial services including limited spanand design of risk mitigation instruments such as credit and insurance. Indian agriculture has little more than half (53%) of its area still rainfed and this makes it highly sensitive to vagaries of climate causing unstable output. Besides adverse climatic factors, there are man-made disasters such as fire, sale of spurious seeds, adulteration of pesticides and fertilizers etc., and all these severely affect farmers through loss in production and farm income, and are beyond the control of farmers. Hence, crop insurance' is considered to be the promising tool to insulate the farmers from risks faced by them and to sustain them in the agri-business. This paper critically evaluates the performance of recent crop insurance scheme viz., Pradhan Mantri Fasal Bhima Yojana (PMFBY) and its comparative performance with earlier agricultural insurance schemes implemented in the country. It is heartening that, the comparative performance of PMFBY with earlier schemes revealed that, the Government has definitely taken a leap forward in covering more number of farmers and bringing more area under crop insurance with the execution of this new scheme and on this front, it deserves the appreciation in fulfilling the objective for bringing more number of farmers under insurance cover. The use of mobile based technology, reduced number of Crop Cutting Experiments (CCEs) and smart CCEs, digitization of land record and linking them to farmers' account for faster assessment/settlement of claims are some of the steps that contributed for effective implementation of this new crop insurance scheme. However, inadequate claim payments, errors in loss/yield assessment, delayed claim payment, no direct linkage between insurance companies and farmers are the major shortcomings of this scheme. This calls for revamping the crop insurance program in India from time to time in tune with the dynamic changes in climatic factors on one hand and to provide a safety-net for farmers to mitigate losses arising from climatic shocks on the other. The future research avenues include: insuring the revenue of the farmer (Price × Yield) as in USA and more and more tenant farmers should be brought under insurance by doling out discounts for group coverage of farmers like in Philippines where 20 per cent discount in premium is given for a group of 5-10 farmers, 30 per cent for a group of 10-20 and 40 per cent for a group of >20 farmers.

Hazard assessment for the fishermen's safety in offshore large powered purse seiner using insurance proceeds payment of NFFC in 2013 (2013년 수협 재해 보험급여를 이용한 근해대형선망 어선원의 안전 위험 요소 평가)

  • Lee, Yoo-Won;Cho, Young-Bok;Kim, Sung-Ki;Kim, Seok-Jae;Park, Tae-Geun;Ryu, Kyong-Jin;Kim, Wook-Sung
    • Journal of the Korean Society of Fisheries and Ocean Technology
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    • v.51 no.2
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    • pp.188-194
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    • 2015
  • The powered purse seine fishery is an important fishery accounting for 19.4% of adjacent water fishery production in Korea, and the commercial fishing is associated with high rate of fatal and non-fatal occupational injury. The hazard analysis for the fishermen's safety of offshore large powered purse seiner was conducted to serve as a basic data for improving the healthy and safe working environment of fishermen using fishermen's occupational accidents of the national federation of fisheries cooperatives (NFFC) in 2013 (n=583). As a result, the occupational accident occurrence rate of this fishery was 182.6‰ in all industries 30.9 times the rate of that. In addition, death and missing rate was found to have a very serious level management to 25.1‰ in all industries of death of 17.5 times. The accident occurred in 72.3 to 85.8% was happened at sea. The others, slipping and struck by object etc occurred more frequently in order in the frequency of accident occurrence pattern. However, the occurrence rate of death and missing did not match the frequency of accident pattern. In other words, slipping occurred frequently higher while death and missing risk was not high. And the contact with fishing gear and fall in the waters was low while death and missing risk was high. The results are expected to contribute for identification and assessment of safety hazard occurred in offshore large powered purse seiners.

A Study of the Family Caregiver's Burden for the Elderly with Chronic disease in a Rural Area (일부 농촌 지역 노인 만성질환자 가족의 부담감에 관한 연구)

  • Jang, In-Sun
    • Journal of Home Health Care Nursing
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    • v.2
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    • pp.19-34
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    • 1995
  • The purpose of this study was to analysis level on family caregiver's burden for the elderly with chronic disease in a rural area and to choose priority care group, thereby facilitating the development of interventions to reduce the caregiver's burden. For this purpose, data were collected by questionaire from June 10 to October 8, 1994. The instruments for data collection were Caregiver Burden Inventory by Novak(1989) and Zarit et al(1982), severity of dementia by Hughes Scales(1982), ADL by Lawton(1971), patients' family caregiving activity by pre-survey and reference review(Lee, 1993 ; Jang, 1990 ; Yoo, 1982). The subjects were 213 family caregiver of elderly with chronic disease in a rural area. The data was analysed by the use of t-test, ANOVA, correlation and multiple regression. The results were as follows ; 1. Total burden was evaluated below average, the mean of family burden was 46.98. By the diagnostic classification, Hypertension was 27.37, DM 32.46, CVA 62.96, Dementia 61.24. 2. Significant variables which were correlated to the family caregiver's burden were the patient's disease diagnosis (F=33.82, p<0.001), severity of dementia(F=30.52, p<0.001), the status of disease management(F=11.53, p<0.001), ADL(F=10.54, p<0.001), PADL(F=7.50, p<0.001), income(F=7.17, p<0.001), caregiver's health status(F=24.53, p<0.001), a view of patient's prognosis (F=22.17, p<0.001), relationship with the patient(F=33.82, p<0.001), the number of hours per day spent on caregiving(F=77.52, p<0.001), level of intimacy of caregiver and patients(F=8.75, p<0.001), level of helping(F=4.90, p<0.01), the frequency of caregiving activity(F=3.80, p<0.01), the number of admission(F=5.54, p<0.01), the length of caregiving(F=4.43, p<0.01), other chronic patient in family(t=2.81, p<0.01), caregiver's job(F=3.11, p<0.01), the duration of illness(F=2.98, p<0.05), caregiver's religion(F=2.93, p<0.05), medical security(F=3.89, p<0.05), caregiving's helper(t=2.42, p<0.05). 3. PADL was the most important predictor to family caregiver burden(R2=0.6611). In addition to this, IADL, caregiver's health status, the length of caregiving. level of intimacy of caregiver and patients, patient's age, the patient's disease diagnosis and patient's job accounted for 76% of family caregiver burden. 4. The criteria of priority care group were as follows ; the mean of family caregiver burden was above 58, above of moderate ADL, the number of hours per day spent on caregiving above of 8 hours, above of moderate dementia. By the diagnostic classification, number of priority care group, Hypertension was 4 (8.0%), DM 4(8.0%), CVA 34(64.1%), Dementia 45(75.0%).

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A Study on Folkcraft Processing Art and Designing Development-Especially Centerin garound Plant-Stalk Works (한국민속공예제품 가공기술 및 디자인 개발에 관한 제고방식-초경공예제품을 중심으로)

  • 남상교
    • Archives of design research
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    • v.2 no.1
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    • pp.13-41
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    • 1989
  • The raw materials for plant-stalk-folkcrafts are cultivated in the whole country. Most Korean farmers, to increase their income, have produced mats and containers with various plants as a side line from very long ago. At first, they began from the instruments of life and then made folkart and at last get to manu\ulcornerfacturing of industrial folk craft. The folkcrafts, made of plant-stalk, which could nor conform to changing society, are partly declined and partly handed down as the traditions. The social change today, however, makes living conditions more speedy and multisided, accordingly the characteristics of demand also become in\ulcornerdividual and various. While the demend is various like this, suppliers cannot answer demendants' requirements, and consequently, the demand and profit cannot be increased. According to this, the purpose of this study is set up to give an answer to the situation that is at the traditional standstill, through an examination of the motives. I. The crafts of plant-stalk are made only in an organized relationship between agriculture, industry and art as it is compounded art of gathering raw material, manufacturing, producing, improv\ulcornering design and production conditions. It may be possible that a farmer gathers material and weaves it manually but in others, it is im\ulcornerpossible to refine, bleach and dye because the process requires a professional industrial treatment. It is impossible to make art works to a farmer as every farner does not always have aesthetic sense. Though a farmer or producer has these all abilities, it is not desirable to him from economical view. 2. The development or improvement is essential in many sides but the most important thing seems to he in design. According to reports, it is, howevt!r, fact that the crafts improved in design of existing works have more expanded the sales than newly developed works. Therefore, ir appears advisable to improve designs of existing things positively as they have merit of occupying a position already, but on the other hand, new crafts have to be also developed and the producer should grasp the proper time. 3. Building up an industrial complex to improve design with collecting the producing districts for this works scattered allover the country is very desirable for speedy communication, intensive educa\ulcorner tion or training, and effective guidance. 4. In producing for export abroad, before everything, must know the life environment, custom! and manners, main thought of the country, and then produce according to these. S. The crafts of plant-stalk are the fIrst industry in present but in the futher it should change intc second or third industry. 6. A synethetic organization for supporting side line should be established for effectiveness, and experts have to be secured and also the educational-industrial complex and activation of study should be preceded.

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The Conflict over the Separation of Prescribing and Dispensing Practice (SPDP) in Korea: A Bargaining Perspective (의약분업을 둘러싼 갈등 : 협상론의 관점에서)

  • Lee, Kyung-Won;Kim, Joung-Hwa;T. K. Ahn
    • Health Policy and Management
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    • v.12 no.4
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    • pp.91-113
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    • 2002
  • We report and analyze the Korean physicians' recent general strike over the implementation of the Separation of Prescribing and Dispensing Practice (SPDP) in which more than 18,000 private clinics and 280 hospitals participated. Utilizing game-theoretic models of bargaining we explain why the Korean physicians were so successful in organizing intense collective action against the government and securing very favorable policy outcomes. In particular, we highlight the role of distributional conflict among social actors in shaping the details of institutional reform. The introduction of the SPDP was a necessary first step in the overall reform of health care system in Korea. However, the SPDP was perceived to be a serious threat to the economic viability of their profession by the vast majority of Korean physicians who had long been relied on the profits from selling medicines to compensate for the loss of income due to the low service fee under the previous health care system. The strong political coalition among heterogeneous physicians enabled them to organize an intense form of collective action, the general strike. Thus, physicians were successful not only in dragging the government to a bargaining table, but also winning in the bargaining and securing an outcome vastly favorable to them. On the other hand, the lack of an overall reform plan in the health care policy area, especially the finance of the National Health Insurance and the need for maintaining an image as a successful reform initiator, motivated the government to reach a quick resolution with the striking physicians.

Production of Flammulina velutipes by Using Culture Medium Containing Herb Medicine Refuse and Analysis of Characteristics of Its Fruiting Bodies (폐 한방슬러지 첨가배지를 이용한 팽이버섯의 생산 및 자실체 특성 검토)

  • Seo, Kwon-Il;Lee, Chang-Yun;Lee, Sang-Won
    • Journal of Life Science
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    • v.27 no.2
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    • pp.211-216
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    • 2017
  • This study aims to reduce the production cost of mushrooms and therefore boost the income of mushroom producers. The addition of a 10% concentration of herb medicine refuse was adequate for promoting mycelium growth in Flammulina velutipes. A moisture content of 60% in the culture medium was adequate for promoting hyphal growth. The optimum temperature and humidity were $16^{\circ}C$ and 70%-85%, respectively. The average yield of Flammulina velutipes fruting body per 1,100 ml bottle was 275-282 g, which is similar to that of the control. The outbreak of diseases such as mildew and bacterial blotch in mushroom was never observed in the bottle treated with herb medicine refuse. Fewer deformed and second-class quality mushrooms were observed than in the control group. Deviation reduced, and mushroom growth was observed to be significantly uniform. The winter mushroom had a white fruiting body with a hemispherical shape. The diameter of the mushroom cap was 9.2-9.3 mm, stipe length was 12.7-12.8 cm, and thickness was 3.3-3.4 mm; these were almost the same as those in the control group. The partial hardness of winter mushrooms in both the experimental and the control groups showed that the stipe ($54.6-57.3g/cm^2$) is a little harder than the mushroom cap ($46.8-47.6g/cm^2$). The calories and nutrients per 100 g of mushrooms in the control and samples were similar to each other.

Education for Talent and Aptitude Development and Leisure Satisfaction of Middle School Students (중학생의 특기ㆍ적성 교육 활동 참여 실태와 여가 만족)

  • 김경애;정난희;모은자
    • Journal of Korean Home Economics Education Association
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    • v.15 no.2
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    • pp.1-19
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    • 2003
  • The study has examined the relationship between the middle school students´ after school activities and leisure satisfaction to provide the opportunity of making good use of leisure time and of developing students´ latent talent and aptitude. The research finding are as follows : 1. Based on socio-demographic variables. the female students had more rates of participation in talent and aptitude educational activity than male students. The number of the students from rural areas was much bigger than that of cities such as Gwangju or other big cities in Chonnam. But the students whose parents made a lot of money showed less interest in participating talent and aptitude educational activities. 2. Based on the research of socio-demographic variables, students from counties or smaller areas showed more satisfaction than Gwangju in leisure satisfaction among the six subordinate categories. 7th graders were more satisfied in educational and environmental leisure activities than 8th or 9th graders. Moreover. as the family income is higher and as the father´s educational level is higher. satisfaction rate from leisure activities came out to be higher 3. In regard to satisfaction they get from their leisure activities, it was comparatively high when they had the activities voluntarily as their hobbies or for fun. Some students regarded it as their chances for the next step and they were really satisfied, too. And also the period of time was one of the factors that affected students´ satisfaction. They were satisfied enough when they had the activities less than four month in a year The students who had strong concentration and great enthusiasm showed high leisure satisfaction in all areas except for the environmental one.

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An Empirical Study on Service Quality and Patient Satisfaction in Specialty and General Hospitals (전문병원과 일반병원의 서비스의 질과 환자만족도에 관한 실증적 분석)

  • Kim, Mi-Sun;Park, Ha-Young
    • Korea Journal of Hospital Management
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    • v.11 no.1
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    • pp.31-53
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    • 2006
  • The objective of this study is to examine the effectiveness of the strategy of hospital specialization by analyzing the differences in expected and perceived services, perceived service quality, satisfaction, and intentions to revisit and recommend the hospital to others between general and specialty hospitals. Data were collected using self-administered questionnaire from patients admitted to four study hospitals: two speciality and two general hospitals. The questionnaire was developed based on SERVQUAL to measure five dimensions of service quality. Four hundreds questionnaires were distributed to inpatients or their guardians and 282 returned questionnaires were used in the analyses. The significance of the differences in study variables between specialty and general hospitals were tested by t-test and $x^2$-test. The factor analysis result confirmed the construct validity of 28 questions asked to measure service quality and resulted in four dimensions of service quality: reliability, assurance, tangible and empathy/responsiveness. Cronbach's Alpha ranged from .9013 to .9358, that confirmed the internal consistency of answers. The study results indicated that patients who used specialty hospitals had higher levels of expected and perceived service, a higher level of perceived service quality, and higher levels of service satisfaction than patients who used general hospitals. Percents of patients who had the intention to revisit the hospital and to recommend the hospital to others were higher among patients in specialty hospitals. The most frequent reason to choose the hospital was the excellence of doctors in both general(29.9%) and specialty(43.8%) hospitals, that was followed by convenient transportation(15.3%) and someone know works at the hospital(15.3%) in general hospitals and other's recommendation(14.6%), and nice amenities(13.1%) in specialty hospitals. Although there were no significant differences in clinical department, age, and sex of patients between general and specialty hospitals, patients who visited speciality hospitals had higher levels of education and income than their counter part in general hospitals. These results suggested that specialty hospitals performed better than general hospitals. Specialization could be a viable strategy to tide over recent financial difficulties experienced by hospitals, particularly small- and medium-sized hospitals.

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Socioeconomic Characteristics of Single-Mother versus Single-Father Households of Children 12 or Younger: Focusing on Divorced Parents (12세 이하 아동이 있는 편부.편모 가구의 사회경제적 특성 비교: 이혼 부모를 중심으로)

  • Lee, Yean-Ju;Kim, Seung-Kwon
    • Korea journal of population studies
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    • v.34 no.2
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    • pp.17-43
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    • 2011
  • With a substantial rise in divorce rates since the mid 1990s, single-parent households are increasing rapidly in Korea. Often it is believed that children in single-mother households suffer the most economically and socially with the marital disruption of the parents. This study hypothesizes that in Korea the socioeconomic status of single-father households may be lower than that of single-mother households mainly because low-income divorced women are not able to form their own households with children. The analysis is based on two sub-samples from the 2% sample of the 2005 Census, one, with children 12 years old or younger and, the other, with divorced mothers of children of the same ages. The findings support the hypothesis that previously-married single fathers show the lowest educational and occupational status among 6 groups of parents: fathers and mothers from two-parent families, fathers and mothers from married but spouse-absent families, and previously-married single fathers and mothers. Divorced mothers'likelihood of living apart from their children has a strong negative association with their educational attainment, with the highest likelihood among women of middle school or lower education and the lowest likelihood among women with college education. Although single mothers comprise a larger percentage of single-parent households, single-father households demonstrate a particular vulnerability with their weak socioeconomic status.

The Effects of Chewing Difficulty on the Prevalence of Osteoarthritis in Adults Aged 50 Years and Older (50대 이상 성인의 저작불편감이 골관절염 유병에 미치는 영향)

  • Hwang, Su-Hyun;Han, Sam-Sung;Yoo, Wang-Keun
    • Journal of dental hygiene science
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    • v.15 no.2
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    • pp.145-152
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    • 2015
  • In this study, PASW Statistics ver. 18.0 was used to analyze the correlation between chewing difficulty and osteoarthritis in the population of 8,498 persons aged 50 years and older who had completed the health related questionnaire in the fifth Korea National Health and Nutrition Examination Survey in 2010~2012. The following conclusion was drawn: The distribution of the chewing difficulty status showed that 38.8% of the respondents had chewing difficulty and that there was no significant difference by gender. Older respondents tended to have significantly greater chewing difficulty 34.3% of the respondents aged from 50 to 64 years and 46.4% of those aged 65 years and older, those who had lower levels of education and income, who were smokers, and who had higher levels of depression and stress suffered from significantly greater chewing difficulty. Chewing difficulty and osteoarthritis were correlated with each other: the respondents having chewing difficulty had 1.44 (95% confidence interval [CI], 1.23~1.70) higher prevalence of osteoarthritis than those with no such difficulty. In addition, such correlation was not found in males: the former had 1.36 (95% CI, 0.98~1.88) higher prevalence of osteoarthritis than the latter, which was not statistically significant. Such correlation was found in females: the former had 1.47 (95% CI, 1.22~1.76) higher prevalence of osteoarthritis than the latter, which was statistically significant. Therefore, the chewing difficulty status affected osteoarthritis for females aged 50 years and older. Therefore, the efforts to solve oral health problems through oral hygiene would help prevent osteoarthritis from worsening and manage the condition.