Assessment of the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance companies

Alli Noah

doi:10.58308/bemarej.1859884

TR EN

İklim değişikliğinin neden olduğu aşırı hava olaylarının küçük ölçekli tarım üreticileri ve tarım sigorta şirketleri üzerindeki mali etkisinin değerlendirilmesi

Öz

Bu çalışma, Nijerya'nın Lagos Eyaleti'ndeki küçük ölçekli çiftçiler ve tarım sigorta şirketleri üzerindeki iklim kaynaklı aşırı hava olaylarının finansal etkisini değerlendirmektedir. 180 küçük ölçekli çiftçi ve dört genel sigorta şirketinden 40 personelden oluşan bir anketten elde edilen verilerin tanımlayıcı ve çıkarımsal istatistiksel analizini kullanan çalışma, şiddetli fırtınaların en sık görülen aşırı hava olayı olduğunu ve katılımcıların %65,0'ı tarafından doğrulandığını ortaya koymuştur. Fırtınalar aynı zamanda en büyük finansal zararı da vermiş olup, çiftçi başına ortalama 87.544,44 ₦'lik bir ürün kaybına neden olmuştur. Çiftçiler arasında tarım sigortasına genel katılım oranı %52,8 olarak bulunmuş olup, cinsiyet eşitsizliği erkek çiftçilerin (%59,0) kadın çiftçilere (%47,4) göre daha yüksek bir satın alma oranına sahip olduğunu göstermiştir. Primlerin karşılanabilirliği, Likert ölçeğinde en düşük ortalama puan (2,94) ile erişilebilirliğin önündeki en önemli engel olarak belirlenmiştir. Sigorta şirketlerinin çeşitli ürünler sunduğu, yüksek oranda (%72,5) ürün sigortası ve (%72,5) tarım varlık sigortası sunduğu, ancak hava endeksi sigortası gibi daha modern çözümlerin bulunabilirliğinde önemli bir eksiklik olduğu (%45 oranında şirket bu hizmeti sunmaktadır) tespit edilmiştir. Analiz ayrıca, tazminat taleplerinin finansal etkisi ile sigorta şirketlerinin ödeme gücü arasında çok güçlü bir pozitif korelasyon olduğunu ortaya koymuştur. Sigortacılar tarafından belirlenen temel zorluklar, sürekli olarak en önemli zorluklar olarak algılanan fiyatlandırma zorlukları ve yüksek idari maliyetlerdir. Çalışma, iklim kaynaklı bu finansal risklerin hem küçük ölçekli çiftçilerin geçim kaynakları hem de tarım sigorta sağlayıcılarının ödeme gücü üzerinde doğrudan ve önemli bir etkisi olduğu bulgusuyla sonuçlanmaktadır.

Anahtar Kelimeler

Aşırı Hava Olayları , İklim Değişikliğinden Kaynaklanan Hava Olayları , Küçük Ölçekli Tarım Üreticileri , Tarım Sigortası

Assessment of the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance companies

Abstract

This study assesses the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance firms in Lagos State, Nigeria. Statistical methods employed include descriptive statistics (frequencies, means, percentages), cross-tabulation, Likert-scale analysis, and simple linear regression to assess the relationship between claims and firm solvency. Using a descriptive and inferential statistical analysis of data from a survey of 180 smallholder farmers and 40 staff from four general insurance companies, the study found that severe storms were the most frequent extreme weather event, confirmed by 65.0% of respondents. Storms were also the most financially damaging, causing an average crop loss of ₦87,544.44 per farmer. The overall uptake of agricultural insurance among farmers was found to be 52.8%, with a gender disparity showing male farmers had a higher purchase rate (59.0%) than female farmers (47.4%). Affordability of premiums was identified as the most significant barrier to accessibility, with the lowest mean score (2.94) on a Likert scale. Insurance firms were found to offer a variety of products, with a high proportion offering crop insurance (72.5%) and farm asset insurance (72.5%), but a notable gap in the availability of more modern solutions like weather-index insurance (only 45% of firms offered it). The analysis further revealed a very strong positive correlation between the financial impact of claims and the solvency of insurance firms. Key challenges identified by insurers were pricing difficulties and high administrative costs, which were consistently perceived as the most significant challenges. The study concludes with the finding that these climate-induced financial risks have a direct and significant impact on both smallholder farmer livelihoods and the solvency of agricultural insurance providers.

Keywords

Climate-Induced Weather , Extreme Weather Events , Smallholder Crop Farmers , Agricultural Insurance

Kaynakça

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Ayrıntılar

Birincil Dil

İngilizce

Konular

İşletme

Bölüm

Araştırma Makalesi

Yazarlar

Alli Noah ^*
0000-0002-8311-9634
Nigeria

Yayımlanma Tarihi

15 Mart 2026

Gönderilme Tarihi

9 Ocak 2026

Kabul Tarihi

9 Mart 2026

Yayımlandığı Sayı

Yıl 2026 Cilt: 9 Sayı: 1

DOI

https://doi.org/10.58308/bemarej.1859884

IZ

https://izlik.org/JA73JP34NY

APA

Noah, A. (2026). Assessment of the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance companies. Business Economics and Management Research Journal, 9(1), 41-71. https://doi.org/10.58308/bemarej.1859884

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Assessment of the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance companies

İklim değişikliğinin neden olduğu aşırı hava olaylarının küçük ölçekli tarım üreticileri ve tarım sigorta şirketleri üzerindeki mali etkisinin değerlendirilmesi

Öz

Anahtar Kelimeler

Assessment of the financial impact of climate-induced extreme weather events on smallholder crop farmers and agricultural insurance companies

Abstract

Keywords

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

DOI

IZ

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