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Christopher Masara
Lighton Dube
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Lighton Dube
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Journal of Agricultural Economics and Rural Development

Socio-economic factors influencing uptake of agriculture insurance by smallholder maize farmers in Goromonzi district of Zimbabwe

Christopher Masara*, Lighton Dube

Faculty of Agriculture and Natural Resources, Africa University, P.O Box MP 1320, Mutare, Zimbabwe.

Faculty of Commerce and Law, Zimbabwe Open University, National Office, P.O Box MP 111, Mt Pleasant, Harare, Zimbabwe.

Accepted 25 January, 2017

Citation: Masara C, Dube L (2017) Socio-economic Factors Influencing Uptake of Agriculture Insurance by Smallholder Maize Farmers in Goromonzi District Zimbabwe. Journal of Agricultural Economics and Rural Development, 3(1): 160-166.

Copyright: © 2017 Masara and Dube. This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are cited.


Despite a limited uptake by smallholder farmers in Zimbabwe, agriculture insurance is considered an effective tool for risk management in agriculture. The study used the Logit regression model to determine the factors that influence the uptake of agricultural insurance by smallholder farmer households in Goromonzi district of Zimbabwe using a random sample of 187 maize contracted farmers.  The determinants that were of statistical significant and positively influence the uptake of agricultural insurance were age of head of household, source of extension information coming from non-governmental organisation, and farmer receiving advice on agricultural insurance. On the other hand, the determinants that significantly and negatively influence uptake of agricultural insurance are number of extension visits per month by AGRITEX and other governments departments, number of extension visits by other farmers, total income of households in a year and number of years a household head is in a farmer group. Based on the findings it is clear that the Government of Zimbabwe is not being supportive of agricultural insurance, despite having the largest number of extension staff at smallholder farmer’s exposure. It is therefore recommended that the Government of Zimbabwe through the Ministry of Agriculture, Irrigation and Mechanisation must have a policy framework on agricultural insurance training and awareness at smallholder farmer level.

Keywords: Agriculture insurance, Smallholder farmers, Zimbabwe, Binary logistic regression