Weather shocks affect smallholder farmers and pastoralists in Sub-Saharan Africa unequally. Agricultural insurance has emerged as a safety net option to protect farmers’ welfare. However, in comparison to other regions, fewer African farmers and pastoralists have adopted agricultural insurance. This review synthesises broad recent literature on why insurance take-up has remained low and highlights six key themes, including: (1) product quality, (2) product design, (3) affordability, (4) information and education, (5) behavioural and sociocultural factors, and (6) the role of government in enabling markets. We shed light on how insurance uptake can be encouraged.

中文翻译：

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促进非洲农业保险的决定因素和战略：回顾

天气冲击对撒哈拉以南非洲的小农和牧民的影响不平等。农业保险已成为保护农民福利的安全网选择。然而，与其他地区相比，较少的非洲农民和牧民采用了农业保险。这篇综述综合了近期关于为什么保险使用率一直很低的广泛文献，并强调了六个关键主题，包括：(1) 产品质量，(2) 产品设计，(3) 可负担性，(4) 信息和教育，(5)行为和社会文化因素，以及 (6) 政府在促进市场方面的作用。我们阐明了如何鼓励保险的吸收。