Mandate Promoting livelihoods through collective action.

28 Partners, 7460 villages, 16 Districts Coverage Coverage of SS

Profile of Rainfed areas in the State About 70% of sown area of the state is rainfed. Rainfall is highly erratic - range from 350 mm to 1800 mm avg about 800 mm. Kutch and Saurashtra are perennially dry Gujarat faces several types of land (soil) degradation High percentage of coastal area which is affected by salinity. High ground water depletion

Typology of Agriculture Risks Weather – excess or deficit rainfall Pests and diseases Input risks – spurious seeds, fertilizers and pesticides. Market and price Financial risks Ecological risks/calamities Legal risks – changes in agri.policy

Strategy for Agriculture Development

Awareness creation, Communication and extension Radio Programme Titled:“Sajjata No Sang…Lave Kheti Ma Rang”. Launched on November 23, Broadcast from Ahmedabad- Vadodara and Rajkot Stations at 7:20 PM on every Thursday. Diwadandi Crop specific information booklets. Audio and Video CDs Research studies Campaigns

Line ActivitySubjectTotal No. Participants Representati ves from NGOs Farme rs Crop specific workshops on Groundnut, Cotton, Wheat and Maize Seeds, sowing, Irrigation, scientific approach for maximum yield, Marketing pesticides Congregation on Maize and Cotton cultivation practices, of intercropping, importance of Organic cultivation, pest attacks Training cum workshopTrichoderma, industry-demanded practices in marketing of agricultural produce, Value addition, Federations Workshop on Producer companies concept of Producer company, its benefits, advantage over other similar institutions such as a Co-operative Society or a Trust 2457 Exposure VisitsSuccessful federations, Livestock development, successful federation, organic farming, Micro irrigation System, grading in crop, seed production etc Capacity Building & Training

Sustainable Up scaling of Weather Insurance in Gujarat Sajjata Sangh initiated a research study in 2006 for –Study of rainfall risks & development of a customized weather insurance product for groundnut in Jamnagar In 2006 itself, 35 farmers were covered under the operational area of SAVA (partner NGO) for –Sowing rain deficiency, Insufficient rainfall volume and Poor rainfall distribution In 2007, 110 farmers bought customized product, thereby, insuring 180 acres of land. In 2008, in Jamnagar and Amreli 350 farmers covering 427 acres of land were insured

Process followed Sr.NoProcessInstitutions AProduct Design  PRODUCT DESIGNER,  INSURANCE COMPANY,  PARTNER NGOS,  CBOS,  FARMERS,  METEREOL OGICAL STATION, 1Product review through experience sharing workshop 2Orientation on different products 3Selection of design Options through a Questionnaire-based exercise 4Collection of 15 year rainfall data 5Sharing draft product with farmers 6Dialogue with Insurer for required changes 7Acceptance on draft Term sheets 8Finalization on product/term sheet

PROCESSINSTITUTIONS B Awareness Campaign Launch programme, Village Rally, Night meetings, Video Show, Resource group training etc. OXFAM, ILO C Premium collection & submissionNGOs, CBOs, AIC, BANK, PANCHAYAT D Post sale services (sharing rainfall data, policy document etc) AIC, NGOs, CBOs, FARMERS, WEATHER STATION E Claim settlement and declarationAIC, BANK, FARMERS

Progress in Kharif 2008 & 2009 ParticularKharif 08Kharif 09 Partners involved48 Districts/ Taluka covered2/58/25 Farmers covered Acre of land covered Total premium collectionRs.1,83,274Rs. 17,92,107 Total Sum insured Rs. 1.6 million Rs million Small & marginal farmers 11%59% Women Farmer covered 2%9% Product Developed4 Cotton, GN 19 Cotton, GN, Maize Ref Weather station2 IMD (>60 km)25 Taluka level GSDMA Rain gauge station (<25 km) 6 AWS

Crop wise Insurance policies

Immediate benefits to farmers During 2006, The farmers got the claim of Rs 1010 against premium of Rs. 730 In Jamnagar, out of total 203 farmers, 158 farmers have received claim of Rs. 500 per acre for sowing and 45 farmers have received Rs. 713 per acre for volume in deficit rainfall. In Amreli District, total 35 farmers have received Rs. 465/- per acre of claim under cotton crop for excessive rainfall against premium of Rs.750/-

Key Learning Effective and timely coordination with many institutions and individuals is the key for successful up-scaling Customizing area specific and crop specific product in a participatory manner Investing in time and capacity building to see that NGO staff as well as farmers actually understand the nature and benefits of insurance.

The Way Forward Minimizing premium rate for scaling up Promoting weather insurance together with crop insurance by the state Government. Designing farmer centric insurance products for more crops and more blocks of the state. Support from NABARD and other donors for Awareness and capacity building.

Thanks for listening Any Questions?