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A field study for assessing risk-contingent credit for Kenyan pastoralists and dairy farmers

Author

Listed:
  • Apurba Shee
  • Calum G. Turvey
  • Joshua Woodard

Abstract

Purpose - – The purpose of this paper is to assess the feasibility of risk-contingent credit (RCC) by presenting an experimental and participatory game designed to explain the concept of RCC to Kenyan pastoralists and dairy farmers. The paper investigates the uptake potential of RCC through qualitative assessment of field experiments and focus groups. Design/methodology/approach - – The paper presents a method of community engagement through a participatory game played in a series of Focus Group Discussions (FGDs). The paper also presents theoretical justification of RCC in credit market structure. Findings - – The game effectively explains the concept and mechanism of RCC by reflecting local situation and production potential. Participatory exercises within focus group discussions indicate that there exists a strong interest and support for RCC. Research limitations/implications - – The methodology described in this paper can be used in extension programs for promoting innovative rural microcredit in developing countries but should be modified according to the local production and associated weather and market risks. Originality/value - – Micro-insurance and credit program delivery can be improved by the innovative approach of community engagement for explaining financial products.

Suggested Citation

  • Apurba Shee & Calum G. Turvey & Joshua Woodard, 2015. "A field study for assessing risk-contingent credit for Kenyan pastoralists and dairy farmers," Agricultural Finance Review, Emerald Group Publishing Limited, vol. 75(3), pages 330-348, September.
    • Handle: RePEc:eme:afrpps:v:75:y:2015:i:3:p:330-348
    DOI: 10.1108/AFR-07-2015-0030
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    Citations

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    Cited by:

    1. Balana, B. B. & Mekonnen, D. & Haile, B. & Hagos, Fitsum & Yimam, S. & Ringler, C., 2022. "Demand and supply constraints of credit in smallholder farming: evidence from Ethiopia and Tanzania," Papers published in Journals (Open Access), International Water Management Institute, pages 159:106033..
    2. Apurba Shee & Calum G. Turvey & Liangzhi You, 2019. "Design and rating of risk-contingent credit for balancing business and financial risks for Kenyan farmers," Applied Economics, Taylor & Francis Journals, vol. 51(50), pages 5447-5465, October.
    3. Glenn Harrison & Karlijn Morsink & Mark Schneider, 2022. "Literacy and the quality of index insurance decisions," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 47(1), pages 66-97, March.
    4. Apurba Shee & Calum G. Turvey & Ana Marr, 2021. "Heterogeneous Demand and Supply for an Insurance‐linked Credit Product in Kenya: A Stated Choice Experiment Approach," Journal of Agricultural Economics, Wiley Blackwell, vol. 72(1), pages 244-267, February.

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