3. Common Risks in pro poor small ruminant
farming
Strategic solution piloted for risk
management
Key concepts and process of Community
Insurance (mutuals)
Experiences of Model tested in Bundelkhand,
Rajasthan & Jharkhand and other states with
44 partners
Future plans at The Goat Trust - 2020
Estimated Investment and Return
4.
5. STATE DISTRICT PARTNER NO OF PASHU
SAKHI
UTTAR
PRADESH
Rae Bareli, Sitapur, Unnao,
Balia, Bareilley, Bahrraich,
Banda, Mahoba, shrawasti,
Moradabad, Varanasi
DRF, Vishwas, ADP –
World Vision, AKF, TCL,
4 Bundelkhand
partners
250
JHARKHAND West Singhbhum, Ranchi JSLPS , KGVK 161
RAJASTHAN Alwar, Dausa, Ajmer, Tonk,
Udaipur, Dungarpur,
Pratapgarh, Bundi
Ibtada & 5, IGWDP
(NABARD), World
Vision, PRADAN, CmF
225
MADHYA
PRADESH &
CG
Sagar, Hoshandabad,
Khandwa, Chattarpur,
Amarwara, Bilaspur
WVI-Bhopal,AKRSP,
DMKS
225
KARNATAKA Bijapur World Vision 60
WEST
BENGAL
Chitranjan , Salboni FYF, DRF 50
BIHAR Muzzafarpur, Madhubani,
Betiah
CRS, GDS, TCL, FnF 20
Maharashtra Ahmadnagar, Tadoba DRF,BGVK 40
Total 1031
6. 1. Pashu Sakhi (Up gradation to Pashu Nurse)
2. SMS alert for Fortnightly practices & disease surveillances
3. Integration of herbal kit and home based remedies with
Pashu Sakhi
4. Community Livestock Managers (Self employment as breed
saviour program)
5. Community based Goat Risk protection (SSY)
6. Bakari Bank on wheels
7. Bakari Paalak Paathshaala (EXPERENTIAL Learning
PLATFORM)
8. Memna Nursery
9. Sand based non electric Duck egg incubator
10. Packaged goat manure
11. Live body weight market facilitation (pashubajaar.com)
12. Goat Resource center as Goat business service facilitation
center
13. Artificial Insemination in Goats
7. Identified risks Intensity of
risk
Frequency of
risk
Cause /factors
responsible
Solutions tested
1. Mortality of
goats
(Contagious)
High Medium Limited access to
preventative
practices / low
awareness/ lack of
finance
Door step timely
Vaccination & deworming
as part of insurance cost
2. Morbidity Low Very high Limited Access to
basic health care
Pashu Sakhi/CLM/ Local
vet H and mobile based
support
3. Infertility
/Paralysis
High Very low Mineral and vit
deficiency /low
awareness
Home based remedies
and Insurance coverage
4. Feed
scarcity/high
cost
High High Reducing free feed
sources, absence of
alternative feeding
strategies,
preservation,
seasonal
management
PRA based Feed
seasonality, kidding
seasonality and mortality
analysis to develop
annual plan-PS as
knowledge disseminator
and demonstrator
5. Low quality
/Low
productivity
Medium Medium Low herd size, Low
awareness, high cost
of buck keeping
Institution building,
alternative technologies –
PS as change agent
9. Livestock insurance coverage is less than 8%
Small ruminant like Goat Insurance coverage
almost negligible
Problems lies on the both Supply (Insurance
company) and Demand (Goat Farmer side)
Supply side problem
Genuine verification of mortality/Earlier fraudulent cases have set
up a wrong precedence
Adherence to basic norms like vaccination and improved
management (High risk inbuilt)
Remoteness of Goat farmers
Very small premium
Low awareness about Insurance claim process (High investment
required)
Low access to basic health care
10. Complicated formalities of insurance
High indirect cost of claim settlement
Low access to Insurance centers
Due to illiteracy & male migration/wage
engagement, claim process is delayed and cases
get rejected
Solution proposed/tested
On the line of SHG -bank linkage concept, a cluster
based community Insurance group as peer
pressure and basic health care services ensured
and same collective platform can be used to link
with mainstream insurance company to create
win win situation for both. Sensitisation &
capacity building of Insurance company and goat
farmers is prerequisite
11. Community Insurance is a mechanism of mitigating
individual loss through collective contribution to a
corpus, with an assumption that any of member
can have loss and it can not be predetermined.
This system has both social and economical
benefits. As the social component, it establishes a
participatory and helping environment to
contribute in adverse situation/loss to a
neighbouring family
Economically, this system contributes in terms of
monetary benefits against risk and save the
families from the economical losses.
12. Promotion of Pashu Sakhi and grading
Coverage of vaccination & de worming and control mortality
(Take baseline & Keep track of mortality for a year)
Once capacity at key delivery level built and systems are set,
mortality trend shows sharp decline, community institutions
takes shape, process of mutuals for goat begin (However final
decisions is only taken by community)
Preparatory stage – Field study to design product based on goat
farmers perception towards such product
Step 1 – Orientation of implementing team heads
Step 2 – Training of field staff on concept, steps and tools for
training at various level
Step 3 – Training of Pashu Sakhies and community Leaders
Step 4 – Training of each goat farmer on concept and claim
process & taking consent from members
Step 5. Setting a claim management and insurance promotion
committee (PS & Lead goat farmers)
Step 6 – Decision of date of launching it and collection of annual
contribution (Subject to at least 100 collections before actual
14. STATUS REPORT OF SSY Up to Jul.’14 (APR.’2013-JUL.’2014)
Sr. Particulars GSVS GMVS IBTADA SSD RMKM GDS Total
* Launching of SSY (समुदाय सुरक्षा का सुभारम्भ) Jun.’13 Jul.’13 Apr.’13 Sep.’13 Jul.’13 Aug.’13
1 Total No. of Goats Inducted (कु ल ददया गया बकरी/बकरा) 307 445 335 226 156 319 1788
2 Insurance of Inducted goats (बीमा-नया ददया गया
बकरी/बकरा)
307 445 335 226 156 319 1788
3 Insurance of Existing goats (बीमा-पहले से उपलब्ध बकरी/
बकरा)
64 87 568 14 90 105 928
4. No. of HH (घरों की संख्या) 126 196 301 84 98 163 968
5 Total Goat Insured (कु ल बीममत बकरी/बकरा) 371 532 903 240 246 424 2716
6 Total Premium Collected (कु ल ककस्त प्राप्तत) 62325 130400 469100 40005 52400 89760 843990
7 Total no. of Claims (कु ल ददया गया क्लेम) 12 16 32 6 7 4 77
8 Total claim Amount disbursed (कु ल क्लेम रामि) 28000 37700 105500 9500 14000 7000 201700
Analysis (ववश्लेषण)
9.
Avg. Premium Amount (औसत ककस्त रामि)
167.99 245.11 519.49 166.69 213.01 211.70
10.
Mortality Rate (मृत्यु दर)
3.13 2.92 3.42 2.44 2.77 0.93
14
अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट
15. Partners – 5 (3050
families in 62 villages)
Functional Pashu Sakhi -
62
Kids Nursery – 350 kids
Community Insurance
successfully worked with
mortality rate below 6%
Now launched in 45
villages in Jhrakahnd
with JSLPS
Org name Total
Goats
Mortality
in 24
months
1. GUS,
Banda
1131 101
2. DMKS,
Chhatrapur
825 33
3. KSS,
Mahoba
334 20
4. GDS,
Lalitpur
1315 81
5. Vishwas
Sansthan
1432 55
Total 5037 290
(5.75%)
16. Community Insurance makes Pashu sakhi and
support system accountable and responsive.
Vaccination and deworming gets demand based
perspectives than supply based perspectives
New products and services need to be integrated
in program to respond emerging client needs
Challenges
SHG network critical for success of goat farmers
institution
Rigorous training and support is critical over a
period of time , making cost high
Senisitisation of mainstream Insurance
companies on linking community Insurance as
leveraging mechanism to enhance penetration as
business proposition need to shared on higher
level
21. tksf[ke nkok jde
vkdfLed e`R;q 100% chfer jkf'k dk
Ckka>iu 40% chfer jkf'k dk
i{kk?kkr 50% chfer jkf'k dk
21
अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट
सुरक्षाdojst dcls 'kq:gksxk
सुरक्षा dk izhfe;etek djus ds15 fnu cknls सुरक्षा dojst 'kq: करने का सुझाव ददया जाता
हैA bl chpfdlh chekjh dhvk'kadkgksus ij सुरक्षा fuyafcr gks tk,xkA ;gizfdz;k Vhe
dks y{;ds izkfIr tckgnsg cukrkgS tks dh mRikn dksle; ij ykWUp djus esa enn
djrk gSA
22. ग्राम स्तर
संस्था
क्लेम कममटी
• fdlh cdjh@cdjk ds vkdfLed e`R;q dh fLFkfr esa nks
LFkkuh; cdjh ikyd lfefr lnL; LFkkuh; i'kq l[kh] utnhd ds
गााँव के cdjh ikyd lfefr ds lnL; dk e`r cdjh voyksdu vko';d
gksxkAस्थल दनररक्षण व पंचनामा
• सी अल ऍम ररपोर्ट
• फॉमेर् -२
• अनुशंषा व भुगतान
• डार्ा व भुगतान रसीद
i'kql[khfjiksVZ ,d fnu ds vanj rS;kjdjuhgksxhA CLM अपनी fjiksVZ rhufnu ds vanj
rFkkikf{kdehfVax esa fu.kZ;dj 15-20fnu esa Dyse का fuLrkj.kकरना |
22
अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट
23. सुरक्षाds Qk;ns dk izpkj izlkj
सुरक्षाdk izfØ;k o Dyse izfØ;k ij u;s lnL;izf'k{k.k
nkok fuLrkj.k- सही और तीव्र
lkekf;d Vhdkdj.k] d`feuk'kd rFkkcdjh izca/kudSEi vk;ksftr djuk
नए सदस्यो को जोड़ना और उनकी वतटमान बकरी को सुरक्षा प्रदान करना
क्लेम का दवतरण जहााँ तक हो सके बकरी पालक सदमदत की बैठक में करना दजससे योजना पर ज्यदा से ज्यदा बकरी पलकों का
दवश्वास बढ़ सके |
jkf'kdk izca/kufdl izdkjgksxk
सुरक्षा उत्पाद dh 'kq:vkr de ls de 100 cdjh ds izhfe;e tek gksus ls करनी gksxhA blds fy, nks ekg iwoZ ,d frfFk
r; करना होगाA fu/kkZfjr le; esa y{; izkIr करने के बाद उत्पाद की तय समय पर लॉंदचंग| समुदाय से izkIr va'knku
jkf'k dk mi;ksx fuEu रूप सेizLrkforgS &
izca/kuizf'k{k.k o j{kkRednokbZ;kWa & 20%
laLFkkxrLVs'kujh];k=k] izksRlkgu & 10%
Dyse ¼vf/kdre½ & 70%
23
अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट
24. izFke Ng ekg rd dyLVj usrk dks flQZ ;krzk O;; fn;k tk,xk rFkk mUgsa ,d fu/kkZfjr
chek y{; izkIrdjuk gksxkA
i'kq l[kh dks mlds }kjk izLrkfor rFkk tek dh x;h jkgr jkf'k dk ,d izfr'kr izksRlkgu
(incentive) ds :i esafn;k tk सकता हैA
उपरोक्त izksRlkguरादश उत्पाद के सफल व्यवसाय पर ही दनभटर करेगा और व्यवसाय की
सफक्लता / लाभांश अदिक होने व्यवसाय izfr'kr को बढ़ाया भी जा सकता है |
योजना के एक वषट संपूणट होने पर बकरी पालक द्वारा कोई भी क्लेम (दावा) ना लेने की दस्तदथ
में No ClaimBonus(NCB)बोनस/छूर् कम मृत्यु दर होने पर ददया जा सकता है |
24
अपनी बकरी अपना सुरक्षा द गोट ट्रस्ट
