Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/killing-fields-4677493/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/killing-fields-4677493/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/killing-fields-4677493/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/killing-fields-4677493/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-trace').style.display = (document.getElementById('cakeErr67f826513c12d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f826513c12d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-code').style.display = (document.getElementById('cakeErr67f826513c12d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-context').style.display = (document.getElementById('cakeErr67f826513c12d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f826513c12d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f826513c12d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 29437,
		&#039;title&#039; =&gt; &#039;Killing fields&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4677493,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 29437,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Killing fields&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 29437,
	&#039;title&#039; =&gt; &#039;Killing fields&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4677493,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {},
		(int) 7 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 29437
$metaTitle = &#039;LATEST NEWS UPDATES | Killing fields&#039;
$metaKeywords = &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;
$metaDesc = &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/killing-fields-4677493.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Killing fields | Im4change.org</title>
    <meta name="description" content="
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Killing fields</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu Business Line<br /><br /><em>Crop insurance will make farming a safer vocation<br /></em><br />The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br /><br />A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br /><br />A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.</div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-trace').style.display = (document.getElementById('cakeErr67f826513c12d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f826513c12d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-code').style.display = (document.getElementById('cakeErr67f826513c12d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-context').style.display = (document.getElementById('cakeErr67f826513c12d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f826513c12d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f826513c12d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 29437,
		&#039;title&#039; =&gt; &#039;Killing fields&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4677493,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 29437,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Killing fields&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 29437,
	&#039;title&#039; =&gt; &#039;Killing fields&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4677493,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {},
		(int) 7 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 29437
$metaTitle = &#039;LATEST NEWS UPDATES | Killing fields&#039;
$metaKeywords = &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;
$metaDesc = &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/killing-fields-4677493.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Killing fields | Im4change.org</title>
    <meta name="description" content="
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Killing fields</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu Business Line<br /><br /><em>Crop insurance will make farming a safer vocation<br /></em><br />The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br /><br />A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br /><br />A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.</div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-trace').style.display = (document.getElementById('cakeErr67f826513c12d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f826513c12d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-code').style.display = (document.getElementById('cakeErr67f826513c12d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f826513c12d-context').style.display = (document.getElementById('cakeErr67f826513c12d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f826513c12d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f826513c12d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 29437,
		&#039;title&#039; =&gt; &#039;Killing fields&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 4677493,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 29437,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Killing fields&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 29437,
	&#039;title&#039; =&gt; &#039;Killing fields&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;
&lt;br /&gt;
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;
&lt;br /&gt;
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;killing-fields-4677493&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 4677493,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {},
		(int) 5 =&gt; object(Cake\ORM\Entity) {},
		(int) 6 =&gt; object(Cake\ORM\Entity) {},
		(int) 7 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 29437
$metaTitle = &#039;LATEST NEWS UPDATES | Killing fields&#039;
$metaKeywords = &#039;Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance&#039;
$metaDesc = &#039;
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Crop insurance will make farming a safer vocation&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The plight of Punjab&amp;rsquo;s cotton farmers after a swarm of &amp;lsquo;whiteflies&amp;rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&amp;rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&amp;rsquo;s June 2015 Financial Stability Report, &amp;ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&amp;rdquo;. Constraints to its adoption need to be recognised.&lt;br /&gt;&lt;br /&gt;A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.&lt;br /&gt;&lt;br /&gt;A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &amp;mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&amp;rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/killing-fields-4677493.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Killing fields | Im4change.org</title>
    <meta name="description" content="
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Killing fields</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu Business Line<br /><br /><em>Crop insurance will make farming a safer vocation<br /></em><br />The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br /><br />A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br /><br />A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.</div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 29437,
		'title' => 'Killing fields',
		'subheading' => '',
		'description' => '<div align="justify">
-The Hindu Business Line<br />
<br />
<em>Crop insurance will make farming a safer vocation<br />
</em><br />
The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br />
<br />
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br />
<br />
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
</div>',
		'credit_writer' => 'The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'killing-fields-4677493',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 4677493,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 29437,
	'metaTitle' => 'LATEST NEWS UPDATES | Killing fields',
	'metaKeywords' => 'Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance',
	'metaDesc' => '
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...',
	'disp' => '<div align="justify">-The Hindu Business Line<br /><br /><em>Crop insurance will make farming a safer vocation<br /></em><br />The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br /><br />A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br /><br />A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.</div>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 29437,
	'title' => 'Killing fields',
	'subheading' => '',
	'description' => '<div align="justify">
-The Hindu Business Line<br />
<br />
<em>Crop insurance will make farming a safer vocation<br />
</em><br />
The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br />
<br />
A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br />
<br />
A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of ₹25,760 crore, but paid out claims worth ₹47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.
</div>',
	'credit_writer' => 'The Hindu Business Line, 11 October, 2015, http://www.thehindubusinessline.com/opinion/editorial/killing-fields/article7750076.ece',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'killing-fields-4677493',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 4677493,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {},
		(int) 3 => object(Cake\ORM\Entity) {},
		(int) 4 => object(Cake\ORM\Entity) {},
		(int) 5 => object(Cake\ORM\Entity) {},
		(int) 6 => object(Cake\ORM\Entity) {},
		(int) 7 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 29437
$metaTitle = 'LATEST NEWS UPDATES | Killing fields'
$metaKeywords = 'Pest Attack,Pest Management,Pesticide,Pests,Whitefly,Whitefly attack,crop damage,Crop Insurance'
$metaDesc = '
-The Hindu Business Line

Crop insurance will make farming a safer vocation

The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised ₹640 crore for over two-third of...'
$disp = '<div align="justify">-The Hindu Business Line<br /><br /><em>Crop insurance will make farming a safer vocation<br /></em><br />The plight of Punjab&rsquo;s cotton farmers after a swarm of &lsquo;whiteflies&rsquo; ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India&rsquo;s largely rain-fed farm economy either. According to the Reserve Bank of India&rsquo;s June 2015 Financial Stability Report, &ldquo;the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance&rdquo;. Constraints to its adoption need to be recognised.<br /><br />A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here.<br /><br />A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design &mdash; the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven&rsquo;t tried enough to make crop insurance viable, and make farming a safer vocation.</div>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

Killing fields

-The Hindu Business Line Crop insurance will make farming a safer vocation The plight of Punjab’s cotton farmers after a swarm of ‘whiteflies’ ravaged their crop is truly disquieting. In a knee-jerk response, Punjab has promised 640 crore for over two-third of the crop being destroyed, but on what basis, it is hard to tell. This highlights the absence of crop insurance in Punjab, as pointed out by a recent Crisil study. The cost is perhaps not considered worthwhile in a State that is almost fully irrigated and where procurement acts as insurance. But crop insurance does not really figure in India’s largely rain-fed farm economy either. According to the Reserve Bank of India’s June 2015 Financial Stability Report, “the coverage of agricultural insurance still remains low as only 4 per cent of the farmers reported having crop insurance”. Constraints to its adoption need to be recognised. A crucial demand-side problem is the absence of consumer choice, particularly for individual farmers. Group-based products that cover a large area could shortchange some farmers and reward others excessively, as the fall in yield over the recent average could vary from plot to plot. The Modified National Agriculture Insurance Scheme, in force since rabi 2013-14, introduces accuracy in measuring yield variations by bringing down the policy unit to a village, as against a revenue circle of about 25 villages earlier. Although a meticulous assessment drives up cost and premiums, a subsidy could work as an interim measure or until the programme picks up scale. Weather-based insurance, which has drawn private operators, insures a group of producers for weather variations and pays them quickly, unlike yield-based insurance, but the issue here is the quality of weather assessment. Even as these methods are fine-tuned, it is important to have a clear demand profile. Karnataka has initiated a study of market preferences, which could serve as useful information for investors. While the typical crop insurance is bundled with a bank loan, this could leave out tenant farmers and sharecroppers. A microfinance-led approach could work here. A serious supply-side constraint is the adverse claims-to-premium ratio. Crop insurance schemes from 1999-2000 to rabi 2014-15 have mopped up a premium of 25,760 crore, but paid out claims worth 47,785 crore. One reason for this imbalance is the moral hazard arising out of flawed policy design — the area insured is shown more than that sown when crop failure is on the cards. This can be addressed by creating income-based instruments, covering both yield and price, mooted by the Centre last year, thereby covering farmers who suffer for overproduction. A no-claims bonus as in vehicle insurance can serve as a deterrent against false claims, as can a policy that promises a return after a period, akin to fixed deposits. We haven’t tried enough to make crop insurance viable, and make farming a safer vocation.