Score:
4.5/10
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Topper’s Copy
GS2
SOCIAL_ISSUES_AND_SCHEMES
10 marks
“Access to crop insurance remains uneven across different sections of farmers in India.” Discuss the role of targeted interventions like the Krishi Sakhi Initiative by the Agriculture Insurance Company of India Limited in bridging gender gaps in agricultural risk management.
Student’s Answer
Evaluation by SuperKalam
Demand of the Question
- Discussion of uneven access to crop insurance across farmer sections
- Role of Krishi Sakhi Initiative in addressing these gaps
- Specific focus on bridging gender gaps in agricultural risk management
- Analysis of targeted interventions' effectiveness
What you wrote:
Despite PMFBY coverage, gaps persist in insurance access- especially for women, tenant, and small farmers. The AIC's Krishi Sakhi initiative (expanded 2024-25) seeks to address these inequities through women-led outreach.
Despite PMFBY coverage, gaps persist in insurance access- especially for women, tenant, and small farmers. The AIC's Krishi Sakhi initiative (expanded 2024-25) seeks to address these inequities through women-led outreach.
Suggestions to improve:
- Could define crop insurance briefly (e.g., "Crop insurance provides financial protection against yield losses due to natural calamities, covering 68% of gross cropped area under PMFBY as of 2023-24")
What you wrote:
Reasons of Access Remains Uneven
1) Low awareness and complex enrolment processes.
2) Lack of land titles excludes many women/tenants.
3) Digital Divide and limited last-mile connectivity.
4) Trust deficit due to delayed claim settlements.
Reasons of Access Remains Uneven
1) Low awareness and complex enrolment processes.
2) Lack of land titles excludes many women/tenants.
3) Digital Divide and limited last-mile connectivity.
4) Trust deficit due to delayed claim settlements.
Suggestions to improve:
- Could add economic dimension (e.g., "Premium burden affects small farmers with average landholding of 1.08 hectares, despite government subsidies covering 95% of premium")
- Could mention institutional barriers (e.g., "Limited Common Service Centers (CSCs) in remote areas, with only 4.2 lakh centers serving 6 lakh villages")
What you wrote:
Role of Krishi Sakhi Initiative
1) Assists in PMFBY enrolment, documentation, and claims.
2) Uses local networks to reach marginalised farmers.
3) Trains women as community facilitators for insurance awareness.
4) Promotes financial literacy and risk management.
Role of Krishi Sakhi Initiative
1) Assists in PMFBY enrolment, documentation, and claims.
2) Uses local networks to reach marginalised farmers.
3) Trains women as community facilitators for insurance awareness.
4) Promotes financial literacy and risk management.
Suggestions to improve:
- Could include operational scale (e.g., "Initiative deployed over 10,000 Krishi Sakhis across 15 states, focusing on districts with low female enrollment")
- Could mention partnership approach (e.g., "Collaboration with Self-Help Group federations and Farmer Producer Organizations for wider reach")
What you wrote:
Bridging Gender Gaps
1) Builds local leadership and decision-making capacity.
2) Enhances women's access to formal risk coverage.
3) Improves scheme penetration through peer to peer trust.
Bridging Gender Gaps
1) Builds local leadership and decision-making capacity.
2) Enhances women's access to formal risk coverage.
3) Improves scheme penetration through peer to peer trust.
Suggestions to improve:
- Could highlight gender-specific barriers addressed (e.g., "Overcomes mobility constraints and male-dominated decision-making in rural households through women facilitators")
- Could add impact metrics (e.g., "Increased women's enrollment in PMFBY by 30% in pilot districts, with faster claim processing through dedicated support")
What you wrote:
Targeted interventions like Krishi Sakhi can make crop insurance more inclusive and accessible, especially for women farmers, though scaling and institutional support remain crucial.
Targeted interventions like Krishi Sakhi can make crop insurance more inclusive and accessible, especially for women farmers, though scaling and institutional support remain crucial.
Suggestions to improve:
- Could propose specific policy recommendations (e.g., "Integration with Digital India Land Records and PM-KISAN database can streamline enrollment while expanding Krishi Sakhi model to all aspirational districts")
Your answer demonstrates good structural organization and covers key aspects systematically. However, it needs more specific data, quantitative evidence, and deeper analysis of gender-focused interventions to strengthen the argument.
Demand of the Question
- Discussion of uneven access to crop insurance across farmer sections
- Role of Krishi Sakhi Initiative in addressing these gaps
- Specific focus on bridging gender gaps in agricultural risk management
- Analysis of targeted interventions' effectiveness
What you wrote:
Despite PMFBY coverage, gaps persist in insurance access- especially for women, tenant, and small farmers. The AIC's Krishi Sakhi initiative (expanded 2024-25) seeks to address these inequities through women-led outreach.
Despite PMFBY coverage, gaps persist in insurance access- especially for women, tenant, and small farmers. The AIC's Krishi Sakhi initiative (expanded 2024-25) seeks to address these inequities through women-led outreach.
Suggestions to improve:
- Could define crop insurance briefly (e.g., "Crop insurance provides financial protection against yield losses due to natural calamities, covering 68% of gross cropped area under PMFBY as of 2023-24")
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