期刊名称：Current Journal of Applied Science and Technology
印刷版ISSN：2457-1024
出版年度：2022
卷号：41
期号：35
页码：40-43
DOI：10.9734/cjast/2022/v41i353959
语种：English
出版社：Sciencedomain International
摘要：Unfavourable Climate is the major back lash to the farmers, to surmount that situation crop insurance is the yardstick for the farmers. To stabilize the farm income the farmer has to avail the crop insurance. The Pradhan Mantri Fasal BimaYojana was implemented to protect the farmers from crop loss due to unforeseen events and alleviate the heavy weight of financial risk on farmers and stabilize their farm income. Even though this crop insurance Program was found to be farmer-friendly, rural people still struggleto understand and accept it. The identified findings of the study show the key constraints and suggestions of the sample of 120 farmers in the Srikakulam district of Andhra Pradesh. In srikakulam ten farmers from each village were randomly selected namely Muddada, Ponnada, Ibrahimbad, Konagaram from Etcherla Mandal; Gara, Korlam, Korni, Kothurusyrigam from Gara Mandal; Telukunchi, Tulasigam, Paitharikeerthipuram, Haripuram from Ichchpuram mandal were selected for the study. Thus a total of twelve (12) villages were choosen for the study. The ex-post facto Research design was used for this study. Pearson’s Correlation Coefficient (r) and Multiple Linear Regression (MLR) are some statistical tools used in this study. The major constraints faced by the beneficiaries in PMFBY are lack of knowledge regarding PMFBY, lack of awareness of the benefits of crop insurance, delay in payment of compensation, the rate of premium is not universal for all crops, on-line registration and assessment of risk complexity, high rate of premium. The major suggestion given by them to overcome their constraints were to procedure of the scheme should be simplified, organize awareness programs for farmers regarding crop insurance, Organization of training programs on e-filling of insurance and benefit the farmers, the premium rate may be decreased, and Payment of the premium by the government for farmers below the poverty regarding PMFBY.
关键词：Rate of premium;indemnity;constraints;suggestions
