Impact of Risk Pooling Strategies on Smallholder Farmers’ Access to Agricultural Insurance in Jigawa State.

This study examines the efficacy of risk pooling strategies for enhancing smallholder farmers' access to agricultural insurance in Jigawa State, Nigeria. Utilizing a cross-sectional survey of 389 farmers insured by the National Agricultural Insurance Corporation (NAIC) from 2019 to 2022, descriptive statistics and regression analysis were employed to explore the adoption and effectiveness of risk pooling mechanisms. Findings reveal a positive relationship between engagement in risk pooling and its impact on farmers' access, highlighting the significance of community-based initiatives and tailored insurance schemes. The study underscores the relevance of effective risk management for the agricultural sector and provides insights for policymakers to enhance insurance access amid uncertainties. Implications include the positive correlation between risk pooling engagement and its impact on smallholder farmers, suggesting community-based approaches can bolster resilience. Key recommendations include promoting community-based initiatives, tailoring insurance schemes, formulating robust policies, and considering the local context for effective risk management. This research contributes to enhancing the resilience and well-being of smallholder farmers, fostering sustainable development in the agricultural sector.