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\hypersetup{pdftitle={Determinants Crop Farmers' Utilisation of Agricultural Insurance Scheme in Osun State, Nigeria},pdfauthor={Favour Eforuoku, Victor Balogun},pdfsubject={Tropentag 2016: Abstract},pdfkeywords={Agricultural insurance policy, insured, keywords: Crop farmers, uninsured, utilisation},pdfpagemode=None,colorlinks=true}
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\parbox[b]{13.4cm}{\centering \large{\textbf{Tropentag, September 18-21, 2016, Vienna, Austria}}\\[1ex] \Large{``Solidarity in a competing world ---\\fair use of resources''\\[2ex]}}
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\Large{\textbf{Determinants Crop Farmers' Utilisation of Agricultural Insurance Scheme in Osun State, Nigeria\footnote{\textbf{Contact Address:} Favour Eforuoku, University of Ibadan, Nigeria, Department of Agricultural Extension and Rural Development, University of Ibadan, Nigeria, 22 Ojo Kondo Layout Agbowo Ibadan Nigeria, 020~Ibadan, Nigeria, \mbox{e-mail}: \email{favouriteeforuoku@gmail.com}}\\[0.8ex]}}
\normalsize{\textsc{Favour Eforuoku$^{1}$, Victor Balogun$^{2}$}}
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\begin{itemize*}
\item[]{\small{\textit{$^{1}$University of Ibadan, Nigeria, Department of Agricultural Extension and Rural Development, University of Ibadan, Nigeria, Nigeria}}}
\item[]{\small{\textit{$^{2}$University of Ibadan, Nigeria, Department of Agricultural Extension and Rural Development, }}}
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\index[author]{Eforuoku, Favour}
\index[author]{Balogun, Victor}
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\textbf{Abstract}
\begin{abstract}
\normalsize{
ABSTRACT



event of loss in agricultural production, and high risk and uncertainties often associated with agriculture. Hence, this study investigated the determinants of utilisation of NAIS among crop farmers in Osun State by examining the socio"=economic characteristics, enterprise characteristics, knowledge on agricultural insurance scheme, attitude towards agricultural insurance scheme; constraints, and benefits of agricultural insurance for farmers. Multi"=stage sampling technique was used to sample 238 respondents (66 insured and 72 uninsured crop farmers) Ilesha west, Odo Otin and Iwo LGAs. The data collected were analysed with the aid of descriptive statistical tools and independent sample T- Test. The results revealed that mean age was 44.3 $\pm$ 9 years, \mbox{38.4\,\%} of males and insured while only \mbox{9.40\,\%} of females were insured females. Majority (\mbox{95.7\,\%}) was married, \mbox{98.5\,\%} and \mbox{83.3\,\%} of the insured crop and uninsured crop farmers had formal education respectively. Majority (\mbox{49.3\,\%}) of respondents earned above N300,000 annually from agricultural activity. A higher percent (\mbox{23.1\,\%}) of the insured crop farmers derived their source of finance from commercial banks. Mean farm size was 7.8$\pm$\mbox{8\,ha}. Crops mostly grown were: maize, cassava, and yam. To increase production capacity was reasons for insuring. Over \mbox{85\,\%} of the insured crop farmers had ever received claim. Insured crop farmers had high knowledge and favourable attitude towards agricultural insurance than uninsured crop farmers. Constraint to utilisation of insurance was bureaucracies in accessing compensation. Constraints (t=-9.39), attitude (t=7.55) and knowledge (t=4.36) differed significantly among insured and uninsured respondents. Farm size, knowledge source of finance, attitude and benefits were determinants of utilisation of NAIS.  It is recommended that there be reduction of bureaucracy involved in paying compensation}

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\noindent \textbf{Keywords:} Agricultural insurance policy, insured, keywords: Crop farmers, uninsured, utilisation
\index[key]{Agricultural!insurance policy}
\index[key]{Insured}
\index[key]{Keywords: Crop farmers}
\index[key]{Uninsured}
\index[key]{Utilization}
\end{document}
