Promoting crop insurance adoption in Vietnam: Does timing of premium payment matter?

本研究的最终目标是提高发展中国家农民对农业保险的吸收。最初的研究计划侧重于与保费支付时机相关的干预。在实际执行中，我将干预方式略微改为保费补贴。我调查了补贴对越南农作物保险采用的长期直接和溢出效应。为了达到研究目标，我在AY2022中的研究目标是进行基线调查和首次干预。这一目标已经实现。我与泰国阮农林大学（TUAF）、非政府组织国际援外社（CARE International）和妇女联盟合作，对村储贷协会（VSLAs）的成员进行了一项随机对照试验（RCT）；一种自主小额信贷组织的形式；由越南莱洲省的少数民族妇女建立。基线和干预是在2022年4 - 5月和11 - 12月进行的。初步结果表明，全额补贴农户对农户网络中的其他农户具有溢出效应。我计划进行进一步的调查，探索溢出效应的机制，调查补贴的长期影响。本研究的初步结果已在第62届WRSA年会、京都大学亚洲经济发展研讨会和JADE/ grip发展研讨会上发表。

The final goal of this research is to improve farmers’ uptake of agriculture insurance in developing countries. The initial research plan focuses on intervention related to timings of premium payments. In real implementation, I have slightly changed the intervention to premium subsidies. I have investigated the long-term direct and spillover effects of subsidies on crop insurance adoption in Vietnam.To attain the research objectives, my research target in the AY2022 was to conduct a baseline survey and first intervention. This target was achieved. I collaborated with Thai Nguyen University of Agriculture and Forestry (TUAF), CARE International (an NGO), and Women Union to conducted a randomized controlled trial (RCT) with members of Village Savings and Loan Associations (VSLAs); a form of autonomous microcredit groups; established by ethnic minority women in Lai Chau province of Vietnam.The baseline and intervention were conducted in April-May and November-December 2022. Preliminary results showed the spillover effect from the full subsidized farmers to other farmers in their network (VSLAs). I have planned to conduct further surveys to explore mechanisms of the spillover effect and investigate the long-term impacts of the subsidies.Preliminary findings of this research were presented at the 62th WRSA Annual Meeting, Asian Economic Development Seminar of Kyoto University, and JADE/GRIPS Development seminar.