摘要：The purpose of this study was to assess the awareness and perception of farmers of Pakistan about the crop insurance. This study was conducted in two tehsils of RajanPur district of Punjab province of Pakistan. Using various statistical tools like arithmetic mean, standard deviation, counting, percentage and analysis of variance, the collected data was analyzed using SPSS. A five-point Likert scale was also used to measure different variables. The findings revealed that majority of the respondents i.e. 64.17% respondents were aware with the term “crop insurance” while the understanding level with crop insurance varied among those who had general awareness about crop insurance i.e. only 29.87 % respondents among those who were aware claimed that they understand well about crop insurance. The major sources of awareness about crop insurance were found to be friends/coworkers and financial institutes. Climatic risk and crop diseases were declared as the most important risks faced by respondents in the study area. There were found considerable misperceptions about crop insurance among farmers i.e. majority of the farmers declared the crop insurance as a scheme which does not compensate their losses as it should be and as well as a kind of a tax which can reduce their income as well as they believed that it is only designed for a specific group of farmers i.e. large scale farmers. Farmers believed that a crop insurance plan with low premium and offering maximum compensation against losses can be acceptable to them. Using ANOVA and CHI SQUARE test, it was found that education and landholdings were significant with the level of awareness while age was not found to be significant with awareness. Before launching crop insurance plans in Pakistan and to make such scheme more successful, government institutes related to agriculture can create awareness among farmers about crop insurance and take steps to reduce the misunderstandings and misperception which exist among the farming community. Offering of maximum subsidy from Government of Pakistan can attract the farmers towards crop insurance.
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