2012年-世界发展银行全球_Weather_Risk_Management_Pilot_Program___Tanzania_55页_810kb

报告摘要

Summary of the Weather Risk Management Pilot Program in Tanzania

Core Content

This report outlines the implementation and outcomes of a pilot program for index-based weather insurance in the Babati and Mbulu Districts of Northern Tanzania, supported by TechnoServe, the World Bank Commodity Risk Management Group (CRMG), and the Financial Sector Deepening Trust (FSDT). The program aimed to address agricultural risk through a financial product that combines weather insurance with micro-loan services to support smallholder maize farmers.

Main Objectives

To provide farmers with weather insurance to mitigate drought risk
To improve access to finance for rural farmers
To develop a marketable financial product that integrates weather insurance
To finalize workflows between stakeholders
To provide a detailed report for future scaling of the program

Key Stakeholders

TechnoServe: Project coordinator, responsible for stakeholder coordination and capacity building
World Bank CRMG: Led the insurance contract design and secured government approvals
PRIDE Tanzania: Financial institution partner, initially committed but withdrew from the pilot
Tanzania Meteorological Agency (TMA): Provided reliable rainfall data
Farm Africa and SEIDA: Agricultural extension and capacity building partners

Pilot Crop and Regions

Crop: Maize
Regions: Babati and Mbulu Districts
Reasons for Selection:
- Maize is the most important food crop in Tanzania
- It is predominantly grown by smallholder farmers
- It is highly susceptible to drought
- Ample agronomic data is available
- International experience with similar products can guide the contract design

Proposed Implementation Structure

Stakeholder Management: Involves defining roles, finalizing MOUs, and conducting training
Financial Product Development: Includes data collection, cost modeling, and marketing materials
Farmer Engagement: Involves training, communication, loan applications, and monitoring
Monitoring & Evaluation: Tracks progress, manages risks, and evaluates overall program success

Financial Institution Preparation

PRIDE Tanzania was the primary financial institution partner
A 5-week collaboration with TechnoServe consultants was conducted for product development
The Weather Insurance (WI) Loan was designed to be a unique product tailored to smallholder maize farmers
PRIDE Tanzania's product portfolio included MEC Loans and Fahari Loans, with WI Loans targeting farmers in specific regions

Insurance Contract Design

Insurance Companies: A consortium of 10 insurers underwrote the contracts, with Tanzindia as the lead insurer
Contract Design: Conducted by CRMG and the World Bank with support from IRI
Focus Group Discussions: Conducted in Mbulu and Babati to refine contract assumptions and structure
Insurance Premium: 9% of the loan amount
Insurance Terms: Defined in a way that was acceptable to farmers and aligned with financial processes

Challenges and Lessons Learned

Lead Time: Insufficient time for preparation and adjustments
Stakeholder Capacity: Limited availability of qualified personnel in some organizations
Internal Consensus: PRIDE Tanzania lacked internal agreement on the product
Communication Issues: Poor coordination between departments within PRIDE Tanzania
Data Transmission: Lack of formal instructions for the Babati weather station technician
Extension Services: Limited support from SEIDA in Mbulu

Recommendations for Future Implementation

Insurance Contract: Should be improved to include additional crops and automated rainfall stations
Stakeholder Engagement: More time and resources should be allocated for capacity building and training
Government and Donor Support: Encouraged to assist in product development and market expansion
Extension Services: Enhanced collaboration with local agricultural extension offices
Systems Development: Improved systems for data collection, loan processing, and insurance payouts

Potential for Scaling Up

Product Acceptance: Positive farmer interest and readiness for weather insurance secured loans
Government Support: Essential for scaling and policy alignment
Community and Farmer Group Leadership: Critical for successful outreach and implementation
Insurance Industry Participation: Continued support from insurers is necessary
TMA Participation: Reliable data is vital for accurate index-based insurance
Systems Development: Work was done for Pride Tanzania to support the product's rollout

Conclusion

The pilot program aimed to introduce index-based weather insurance to smallholder maize farmers in Northern Tanzania, combining it with micro-loan services to improve financial inclusion and agricultural resilience. Despite the initial enthusiasm and positive market survey results, PRIDE Tanzania withdrew due to internal challenges and time constraints. The program highlighted the importance of stakeholder coordination, data reliability, and internal consensus for successful implementation. The lessons learned provide a foundation for future scaling and development of similar products in Tanzania and other regions.

Key Information

Pilot Duration: 2006/2007 growing season
Target Farmers: Smallholder maize farmers in Babati and Mbulu districts
Loan Amounts:
- 1 acre: Max 35,000 TZS
- 2 acres: Max 70,000 TZS
Insurance Premium: 9% of the loan amount
Insurance Coverage: Drought risk
Financial Institution: PRIDE Tanzania (initially, but withdrew)
Insurance Consortium: Includes 10 insurers, with Tanzindia as lead
TMA Role: Provided historical rainfall data
Farmer Engagement: Conducted through workshops and training sessions
Market Survey: Showed positive farmer interest in the product

Appendix Overview

Appendix A: Detailed project plan
Appendix B: Final deliverables
Appendix C: Pride Tanzania Market Survey
Appendix D: Client information sheet

This pilot program represents an important step in developing index-based weather insurance in Tanzania, with potential for future expansion and improved stakeholder collaboration.

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