Evaluation of Stakeholders' Satisfaction Towards Agricultural Insurance A Case of Rain fed Wheat Farmers in Dorood faraman Township in Kermanshah Province

Wheat farmers in general and rain fed farmers in particular are faced with natural hazardssuch as drought. In Kermanshah Province, rain fed farmers are challenged by drought,frost, and dust storm. To overcome this dilemma, agricultural policy makers haveprovided crop insurance to rain fed farmers in order to promote risk management andreduce production risk. Because of complex nature of crop insurance in one hand andrecurrent event of natural and man made disasters in other hand, continuous evaluationof crop insurance in terms of stakeholders' satisfaction is imperative. Therefore, thepurpose of this qualitative study was to evaluate the process of crop insurance in termsof stakeholder satisfaction using participatory evaluation and grounded theory. ByUsing purposeful sampling, insured rain fed farmers, crop insurance extension agents,and agricultural bank specialists all had participated in this study. The result of contentanalysis revealed three major themes: 1) infrastructural factors, 2) attitudinal factors,3) administrative factors. The infrastructural factors include: ineffective crop insurancestructure, lack of job security for private insurance agents, small scale farming systems,limited insurance coverage, and weak coordination between agricultural organization andother related offices. The attitudinal factors include: lack of crop insurance knowledgeamong farmers, weak crop insurance culture, lack of trust among farmers and privateinsurance agents. The administrative factors include: delays in paying damages, andunrealistic damage estimation. Based on the results, the following recommendations areproposed: standardizing damage estimation, redefining crop insurance premiums, andusing information communication to institutionalizing crop insurance culture amongrural population.