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Dear Xavier, Our calculations show that for a moderately risk averse small farmer engaged in the production of rice or wheat rainfall insurance is not superior to her own existing risk coping strategy and that payoffs with insurance are inferior to payouts without insurance under all but extreme states of the world. Do you agree with this? Are there detailed tools that you could point us to that could help us do this accurately for Indian farmers? We have built a very trusted financial services channel in Tamil Nadu, Orissa and Uttarakhand ( and plan eventually to take it pan India. We are just not convinced that routine rainfall insurance is in the interests of the small farmer. Would be eager to hear your views. Regards, Nachiket Mor