Assessing farmers’ intention to adopt drought insurance. A combined perspective from the extended theory of planned behavior and behavioral reasoning theory

Agriculture in Mediterranean climates, such as that of southern Spain, is highly vulnerable to climate change, and particularly to hydrological drought. Financial instruments such as weather index-based insurance have been developed in response to increasing climate risks. In previous studies of intention to adopt this type of insurance, little attention has been paid to farmers’ underlying psychological motivations related to their perceptions of climate change, reasons for or against insurance adoption, attitudes toward insurance, subjective norms, or perceived control over the instrument. To comprehensively address this gap, a combined exploratory model based on the theory of planned behavior and behavioral reasoning theory is proposed. Specifically, the aim of this research is to analyze the psychological factors that determine farmers' intention to adopt drought insurance. The conceptual model is tested on a sample of 146 farmers from an irrigated area in the lower Guadalquivir region of Andalusia. The data are analyzed using partial least squares structural equation modeling (PLS-SEM). Contrary to expectations, the results of the study suggest that belief in climate change does not significantly influence the reasons for or against insurance adoption, nor the attitudes toward or perceived control over it. The recommendations drawn from this study can contribute to the design of more effective policies and communication strategies that address farmers' psychological perceptions and motivations, thereby helping to boost the adoption of drought insurance.

Authors

Institutions

Publication Details

Journal
International Journal of Disaster Risk Reduction
Published
2024-09-12
DOI
https://doi.org/10.1016/j.ijdrr.2024.104818
Citations
12
Primary Topic
Agricultural risk and resilience
Type
article
Field-Weighted Citation Impact
4.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Assessing farmers’ intention to adopt drought insurance. A combined perspective from the extended theory of planned behavior and behavioral reasoning theory

Mercedes Luque‐Vílchez, L. Javier Cabeza‐Ramírez, M. Dolores Guerrero‐Baena, Sandra María Sánchez Cañizares
12 citations
International Journal of Disaster Risk Reduction
Agricultural risk and resilience
4.00
article

Assessing farmers’ intention to adopt drought insurance. A combined perspective from the extended theory of planned behavior and behavioral reasoning theory

Mercedes Luque‐Vílchez, L. Javier Cabeza‐Ramírez, M. Dolores Guerrero‐Baena, Sandra María Sánchez Cañizares
article en
12 citations

Abstract

Agriculture in Mediterranean climates, such as that of southern Spain, is highly vulnerable to climate change, and particularly to hydrological drought. Financial instruments such as weather index-based insurance have been developed in response to increasing climate risks. In previous studies of intention to adopt this type of insurance, little attention has been paid to farmers’ underlying psychological motivations related to their perceptions of climate change, reasons for or against insurance adoption, attitudes toward insurance, subjective norms, or perceived control over the instrument. To comprehensively address this gap, a combined exploratory model based on the theory of planned behavior and behavioral reasoning theory is proposed. Specifically, the aim of this research is to analyze the psychological factors that determine farmers' intention to adopt drought insurance. The conceptual model is tested on a sample of 146 farmers from an irrigated area in the lower Guadalquivir region of Andalusia. The data are analyzed using partial least squares structural equation modeling (PLS-SEM). Contrary to expectations, the results of the study suggest that belief in climate change does not significantly influence the reasons for or against insurance adoption, nor the attitudes toward or perceived control over it. The recommendations drawn from this study can contribute to the design of more effective policies and communication strategies that address farmers' psychological perceptions and motivations, thereby helping to boost the adoption of drought insurance.

International Journal of Disaster Risk ReductionVol. 113
University of Córdoba (ES)
Openalex Percentile: Top 7%
Agricultural risk and resilience
4.00
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.