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AGRICULTURE THE GOLDEN GATE

 Alok Kumar Jha- IIM-KASHIPUR, IITTM GWALIOR

Application of Data science ||Grievance handling-Good Governance|| Awareness about the scheme and Process to Farmers

To make the PMFBY (Pradhan Mantri Fasal Bima Yojana) successful the most important step is the Grievance handling. It is the critical stage of implementation and one of the key point to make PMFBY successful.
A grievances-redressal system will help distressed farmers resolve issues regarding scheme and the provision for insurance and claim payments. This will be more agro friendly system and improve resilience against agriculture uncertainty.
                                   
Approach and Objectives :
  •       Encourage farmers participation.
  • ·       Income Protection insurance implementation during loss.
  • ·       Remote sensing high risk agriculture area; Stage 1,2,3 based on capacity          expansion and fund for technology in agriculture.
  • ·       Land records digitisation.
  • ·       Land records to specify land owner name and share: "Chakota."

Now consider the report of the newspaper ‘ The Tribune” on June 4th, ambala, in order to address the grievances of farmers registered under the Pradhan Mantri Fasal Bima Yojana (PMFBY), the district administration has directed an insurance company to appoint its representatives at the district and block-level offices of the Agriculture Department or face penalty.
The administration has issued the directions following repeated agitations by farmers to get their compensation under the PMFBY.
Department Response : “Farmers come to the office and express resentment.”
“Role of the department is to facilitate the farmers to get the compensation from the insurance company”. 
All the data pertaining to claim made, premium collected and necessary documents lie with the company itself.”
Directions have been issued in this regard to ensure that farmers can get all the required information related to crop insurance scheme. In the absence of the representatives of the insurance company, a penalty of Rs 2,000 per day will be imposed on the company.”
Why this Luke warm approach by the Insurance companies?  or what is the challenge insurance companies are facing? To be reviewed and must not be ignored.
PMFBY has been delayed in payments to farmers, payouts to farmers suffering crop losses hinges on accurate estimates of yield loss, arrived at through crop-cutting experiments. Insurance companies tends to dispute yield loss data sent by the state, or delay in payments or rejections.
PMFBY allows a subsidy in the premium –based system, ( premium is subsidized by the center and state government  to reduce financial burden on farmers) which is implemented through a multiagency frame work of selected private insurance companies, ministries of agriculture, GoI and  state gov. in coordination with the commercial banks, cooperatives, regional rural banks and regulatory bodies.
 Private-public partnership works best in the agriculture sector, the government has the power to collect data and finance premium support in the form of subsidies, while the private sector enables the availability and mobility of credit.
Features: Premium rate/ one season-one premium/ insurance amount covered/ on account payment/ localized risk coverage/post –harvest losses coverage/ prevented sowing coverage/ use of technology/ awareness/ insurance companies.
* source: PIB , ministry of agriculture and farmers welfare, Jan 2016.
To quicken assessment of crop damage, correct evaluation can only make the payment on time and minimize the dispute and gain the confidence in the scheme and also make the Agriculture less risk prone.

The vision must be to make the youth participative and lucrative like other sector of Indian economy.
  • Thorough study is required to study an assessment of PMFBY performance and its structural issues. States choose to voluntarily implement the PMFBY. 
  • Crop must be notified. 
  • How and why of choosing the major crop during the season.
  • Exclusion of farmers who grow non notified crops.
  • Trust to be earned: Farmers must be well informed about the scheme while taking loans, or not taking loans. They have the option for Opt-In and Opt Out. 
  • Banking institutions must take the farmers consent.
 Some of the states have leasing agriculture land issues and also owners, title name issue, joint land owners big hurdle. This too can be resolved by digitization of land record and share of land in each family by mutation record.

Awareness brings Transparency; Insurer must reach the block level office to address the farmers. Lack of infrastructure cannot be the cause of not resolving or hearing the farmers. If they can be in their field, the insurance company must reach upto them.
Massive campaign regarding scheme. State must notify the crop district wise while choosing crop during the season, ignoring this results in the exclusion from insurance coverage. If minimizing the landholding that  must be well informed.

 There must be minimum three insurance company to have competition, monopoly must not exist. District wise-Crop wise/ Season Opt-in / out option, flexibility in scheme.
To enhance the penetration of crop insurance –district wise.
Good governance and well coordination between state-level committee and district –level committees can boost timely implementation.
Regulatory framework covering Price risk and Yield and seed damage recovery will enhance stability in the farmers.  
Role of Data science /Technology support to bring transparent system: To map the crop maturity with remote sensing and use of Artificial Intelligence to assess the crop damage. This will shorten the settlement, assess the exact loss of crop, quantify, measure the impact in correct way. Right compensation leads to less dispute and reduces the time and energy of department of both public as well as private companies consequently it will increase the employee productivity.   

With Regards
ALOK KR JHA
GM-TCCPL
Socio Impact assessment management


          

Reference: The Tribune,orf.ecpma1820@iimkashipur.ac.in

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