ວິທີທາງ

Kenya Livestock Insurance Program (KLIP) [ເຄັນຢາ]

KLIP

approaches_3283 - ເຄັນຢາ

ເບິ່ງພາກສ່ວນ

ຂະຫຍາຍທັງໝົດ
ຄວາມສົມບູນ: 97%

1. ຂໍ້ມູນທົ່ວໄປ

1.2 ລາຍລະອຽດ ການຕິດຕໍ່ ຂອງບຸກຄົນທີ່ຊັບພະຍາກອນ ແລະ ສະຖາບັນ ການມີສ່ວນຮ່ວມ ໃນການປະເມີນຜົນ ແລະ ເອກະສານ ຂອງວິທີທາງ

ບຸກຄົນສຳຄັນ (ຫຼາຍຄົນ)

Market & Capacity Development Specialist, IBLI, ILRI:

Duncan Collins Khalai

ຊື່ຂອງໂຄງການ ທີ່ອໍານວຍຄວາມສະດວກ ໃນການສ້າງເອກກະສານ ຫຼື ປະເມີນດ້ານແນວທາງ (ຖ້າກ່ຽວຂ້ອງ)
Index Based Livestock Insurance, Kenya (IBLI)
ຊື່ຂອງໂຄງການ ທີ່ອໍານວຍຄວາມສະດວກ ໃນການສ້າງເອກກະສານ ຫຼື ປະເມີນດ້ານແນວທາງ (ຖ້າກ່ຽວຂ້ອງ)
Book project: Guidelines to Rangeland Management in Sub-Saharan Africa (Rangeland Management)
ຊື່ຂອງ ສະຖາບັນການຈັດຕັ້ງ ທີ່ອໍານວຍຄວາມສະດວກ ໃນການສ້າງເອກກະສານ ຫຼື ປະເມີນແນວທາງ (ຖ້າກ່ຽວຂ້ອງ)
ILRI International Livestock Research Institute (ILRI) - ເຄັນຢາ

1.3 ເງື່ອນໄຂ ຂອງການນໍາໃຊ້ເອກກະສານຂໍ້ມູນ ຂອງ WOCAT

ເມື່ອໃດທີ່ໄດ້ສັງລວມຂໍ້ມູນ (ຢູ່ພາກສະໜາມ)?

23/11/2017

ຜູ້ສັງລວມ ແລະ ບັນດາຜູ້ຕອບແບບສອບຖາມ ຍອມຮັບໃນເງື່ອນໄຂ ການນໍາໃຊ້ຂໍ້ມູນເອກະສານ ທີ່ສ້າງຂື້ນ ໂດຍຜ່ານ ອົງການ WOCAT:

ແມ່ນ

2. ພັນລະນາ ແນວທາງການຄຸ້ມຄອງນໍາໃຊ້ດິນແບບຍືນຍົງ

2.1 ການອະທິບາຍ ໂດຍຫຍໍ້ ຂອງວິທີທາງ

Government of Kenya (GoK) is implementing the Kenya Livestock Insurance Program (KLIP). KLIP is a GoK funded drought insurance program for vulnerable pastoralists located in the Arid and Semi-Arid Lands (ASALs) of Kenya. KLIP’s overall objective is to reduce the risk of livestock mortality emanating from drought. This is intended to help to build resilience of vulnerable pastoralists for enhanced and sustainable food security.

2.2 ການອະທິບາຍ ລາຍລະອຽດ ຂອງວິທີທາງ

ການອະທິບາຍ ລາຍລະອຽດ ຂອງວິທີທາງ:

Currently, under KLIP, GoK pays insurance premiums for a maximum of 5 Tropical Livestock Units to over 18,000 selected households that are considered vulnerable (i.e. own less than 5 TLUs). (0.1 of 1TLU is equivalent to 1 goat or sheep,therefore 10 goats/sheep = 1 cow (TLU) and 1.7 of TLU is equivalent to a camel or 17 goat/sheep or 1 cow + 7 goats/sheep = 1 camel). The program is currently being implemented in 8 Arid and Semi-Arid counties in Northern Kenya. In case of severe forage scarcity because of drought, the households enrolled on KLIP receive pay-outs to enable them purchase fodder, veterinary drugs and water to keep their animals alive during the drought season. The expected impact of KLIP on pastoralists’ livelihoods protected assets and improved resilience due to better recovery mechanisms from drought shocks. At national level, reduced expenditure on humanitarian emergencies during severe droughts and sustained contribution of the livestock sub sector to the national economy is expected. As a Sustainable Land Management (SLM) solution, the KLIP approach can contribute to reduced pressure on grazing lands by providing pay-outs which are used by pastoralists to purchase animal feeds from outside the KLIP counties during drought periods, leading to reduced land degradation.
KLIP was first piloted in 2014 in 2 counties in the ASALs of Kenya i.e. Wajir and Turkana counties. 2500 households from each county were enrolled to the program, each receiving insurance worth 5TLUs for 1-year renewable period. In August 2016, 275 households in Wajir County received a total of Ksh. 3.5 million pay-out as a result of the failed long rain season of the same year. KLIP later expanded to cover 4 more counties in 2017 which included Isiolo, Marsabit, Mandera and Turkana raising the total number of beneficiary households to 14,000. In February 2017, a payout worth Ksh. 214 million was triggered to 10,000 pastoralists households across the six counties at the end of the failed short rainy season of 2016 (October to December). In 2017 KLIP added to more Counties Samburu and Tana River on its scope. Later in August of the same year, another payout worth Ksh. 319 million triggered across 7 counties leading to 12,000 beneficiaries receiving compensation. Currently KLIP is operational in the 8 counties, with plans underway for expansion to reach all the 14 ASAL counties of Kenya.
KLIP pay-outs are pegged to measurements of forage conditions made via satellite data on vegetation cover to derive an index of seasonal forage availability/scarcity, called the Normalized Differenced Vegetative Index (NDVI). The index can be defined as a measure comparing the total amount of forage available across the contract season with the historic average forage availability of that season. When the index signals that forage conditions have deteriorated to the point that animals are likely to die, KLIP compensates pastoralists in cash pay-outs immediately after a failed rainy season(s) and just before the start of subsequent dry season to help pastoralists buy fodder, drugs and water to sustain their livestock through the drought period.
The use of a satellite based Index eliminates the need for insurance companies to carryout loss verification, which would be logistically and financially impossible to implement if they were to provide livestock insurance in such vast and remote areas as Kenya’s ASALs. Satellite data (NDVI) is used to calculate forage conditions in a specific area over a specific season in order to determine whether the index could trigger a pay-out. Once pay-outs are triggered pastoralists registered under the affected areas are automatically eligible for compensation . Payouts are immediately disbursed via either M-Pesa or bank accounts depending on the beneficiaries preffered means as specified during registration.
The implementation of KLIP is done through a Public Private Partnership approach (PPP) spearheaded by the State Department of Livestock (SDL) under the Ministry of Agriculture, Livestock and Fisheries (MOALF). The GoK purchases KLIP policies on behalf of the pastoralists targeted under the KLIP program. However, in case of an insurance payout, indemnified households receive their respective share of the payout directly from the underwriting insurance company/ies. Private Insurance companies registered in Kenya provide underwriting services for KLIP. The World Bank Group provides financial and technical support while ILRI provides awareness and capacity development support together with KLIP contract design. Various capacity development and awareness creation tools e.g. radio programs, posters, flyers, cartoon booklets, videos and training manuals have been used by KLIP to target pastoralists, partners and policy makers. A contract design tool has also been developed for KLIP with the support of ILRI and the WBG for insurance firms to use in determining their KLIP pricing options.

2.3 ຮູບພາບຂອງແນວທາງ

ສື່ຮູບ​ພາບ

2.4 ວີດີໂອ ຂອງວິທີທາງ

ຄວາມຄິດເຫັນ, ຄໍາອະທິບາຍຫຍໍ້:

This video summarizes the gains made since the launch of KLIP by the State Department of Livestock in Kenya. It describes the various roles played by partners in the Public Private Partnerships (PPP) approach used in implementing KLIP i.e. Government, Private sector and Non-governmental Institutions.

ສະຖານທີ່:

Kenya

ຊື່ຂອງຜູ້ຖ່າຍວີດີໂອ:

INTERNATIONAL LIVESTOCK RESEARCH INSTITUTE

2.5 ປະເທດ / ເຂດ / ສະຖານທີ່ບ່ອນທີ່ແນວທາງໄດ້ຖືກນໍາໃຊ້

ປະເທດ:

ເຄັນຢາ

ພາກພື້ນ / ລັດ / ແຂວງ:

Counties, Isiolo, Mandera, Wajir, Tana river, Marsabit, Turkana, Kenya, Samburu, Garissa

ຂໍ້ມູນເພີ່ມເຕີມຂອງສະຖານທີ່:

Counties

ຄວາມຄິດເຫັນ:

GoK plans to expand KLIP to all the 14 ASAL counties of Kenya

ຕົວ​ຢ່າງ​ແຜນ​ທີ

2.6 ວັນທີເລີ່ມຕົ້ນ ແລະ ສິ້ນສຸດ ການຈັດຕັ້ງປະຕີບັດ ວິທີທາງ

ສະແດງປີຂອງການເລີ່ມຕົ້ນ:

2014

ຖ້າຫາກບໍ່ຮູ້ຈັກປີທີ່ແນ່ນອນ, ໃຫ້ປະມານຄາດຄະເນ ເອົາມື້ທີ່ໄດ້ເລີ່ມຈັດຕັ້ງປະຕິບັດ ວິທີທາງ:

ຕໍ່າກວ່າ 10 ປີ ຜ່ານມາ (ມາເຖິງປະຈຸບັນ)

2.7 ປະເພດຂອງແນວທາງ

  • ພາຍໃຕ້ໂຄງການ / ແຜນງານ

2.8 ເປົ້າໝາຍ / ຈຸດປະສົງຫຼັກ ຂອງການຈັດຕັ້ງປະຕິບັດ ວິທີທາງ

The overall objective of KLIP is to reduce the risk of livestock mortality emanating from drought and to build the resilience of vulnerable pastoralists for enhanced and sustainable food security. KLIP is intended to enhance the capacity of pastoral communities to minimize weather related risks through provision of index based livestock insurance.
KLIP's specific objectives are:
i) To build the resilience of vulnerable pastoralists in Kenya's ASALs against the consequences of drought by developing and applying index based insurance products in the provision of livestock insurance services to the pastoralists
ii) To build capacities of the pastoral communities and stakeholders in the use of insurance for the reduction of weather related risks and rebuilding of livelihood support systems;
iii) To increase Public-Private-Partnerships (PPP) in the provision of index based livestock insurance to the vulnerable pastoralists whose livelihoods are dependent on livestock.

2.9 ເງື່ອນໄຂອໍານວຍ ຫຼື ຂັດຂວາງການປະຕິບັດຂອງເຕັກໂນໂລຢີ / ເຕັກໂນໂລຢີການນໍາໃຊ້ຕາມແນວທາງ

ສັງຄົມ / ວັດທະນະທໍາ / ມາດຕະຖານ ແລະ ຄຸນຄ່າທາງສາສະໜາ
  • ອໍານວຍ

Apart from being the main source of livelihoods for many of the communities living in Kenya's ASALs, pastoralism is a cultural practice that has been passed on from generation to generation. Pastoralists aspire to protect their herds from all manner of perils, including drought related livestock losses.

  • ເຊື່ອງຊ້ອນ

The belief that rainfall or drought are both God's fate upon man is common both as a traditional and religious belief among pastoralist communities. Most of them hold that human beings should not try to control/mitigate against such. There is also the concern of whether insurance is "halal" in the context of Islamic Shariah. Both of these challenges have been widely addressed in the implementation of KLIP, through awareness creation and sensitization efforts done in consultation and involvement of national and local religious leaders together with insurance companies and the local communities.

ມີຄວາມສາມາດ / ເຂັ້າເຖິງຊັບພະຍາກອນດ້ານການເງິນ ແລະ ການບໍລິການ
  • ອໍານວຍ

Financial support for KLIP mainly from GoK and the World Bank Group. This has been a great enabling factor as huge financial investment is required for premium subsidies, awareness creation, operations etc.

  • ເຊື່ອງຊ້ອນ

Bureaucratic processes involved in the steps towards policy formulation puts at risk the guarantee for continued funding from the government of Kenya, especially in case of regime change. Efforts are being made to influence and initiate policy formulation at the national level. The SDL has also approached county governments where KLIP is being implemented to encourage them to contribute towards the scheme, in order to cover their local communities.

ການຮ່ວມມື / ການປະສານງານຂອງຜູ້ກ່ຽວຂ້ອງ
  • ອໍານວຍ

KLIP has leveraged academic research, advocacy, private sector partnerships, NGOs and other stakeholders working to improve the livelihoods in the pastoralist rangelands of Kenya. It has managed to tap into emerging innovations and insights from past work done for instance by ILRI and her partners such as AUSAID, DFID, USAID, Cornell University, European Union in the implementation of Index Based Livestock Insurance (IBLI), managing to further draw on both the knowledge generated and lessons learned (see references below).

ນະໂຍບາຍ
  • ອໍານວຍ

KLIP enjoys the goodwill of various partners including the Insurance Regulatory Authority (IRA), county governments, the national treasury, National Parliament, the Presidency and other key stakeholders who are willing to support the program in policy formulation and advocacy to create an enabling environment for the scaling-up of KLIP and further commercialization of index insurance by private local insurance companies and other financial sector players.

ຄວາມຮູ້ກ່ຽວກັບການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນຍົງ, ການເຂົ້າເຖິງການສະໜັບສະໜູນ ທາງດ້ານວິຊາການ
  • ອໍານວຍ

Access to technical support by the GoK from both ILRI and the World Bank, especially for KLIP contract design and index monitoring - together with requisite capacity development and awareness creation - have enabled effective roll out and implementation.

3. ການມີສ່ວນຮ່ວມ ແລະ ບົດບາດຂອງພາກສ່ວນທີ່ກ່ຽວຂ້ອງທີ່ໄດ້ມີສ່ວນຮ່ວມ

3.1 ຜູ້ມີສ່ວນຮ່ວມ ໃນວິທີທາງ ແລະ ພາລະບົດບາດ ຂອງເຂົາເຈົ້າ

  • ຜູ້ນໍາໃຊ້ດິນໃນທ້ອງຖິ່ນ / ຊຸມຊົນທ້ອງຖິ່ນ

Pastoralists, also known as KLIP beneficiaries

Pastoralists households who are vulnerable to drought shocks are the primary beneficiaries in the implementation of KLIP. They receive timely cash payouts at the onset of drought in order to keep their livestock alive throughout the season.

  • ພາກເອກະຊົນ

Insurance companies

Private insurance companies underwrite the KLIP product either individually or as a consortium. The underwriting insurer is expected to underwrite and distribute pay-outs whenever the index is triggered to beneficiaries listed on KLIP. The selection of the insurer is based on its capacity to underwrite the risk, develop new or strengthen existing products in line with government policy and provide livestock insurance capacity building and awareness creation services. Underwriting insurers are also in charge of marketing the product and explaining its features to (potential ) policyholders.

  • ອໍານາດ ການປົກຄອງທ້ອງຖິ່ນ

County governments in the target ASAL areas

The national government utilizes county governments infrastructure for the implementation of KLIP. Counties provide support to the national government in sensitization, mobilization and selection of benefiting pastoralists for the fully subsidized KLIP component. The county governments also provide support during payouts and monitoring and evaluation activities. Some county governments are exploring the possibility of contributing to the public financial support to premiums to match that which is currently provided by the national government.

  • ພະນັກງານຂັ້ນສູນກາງ (ຜູ້ວາງແຜນ, ຜູ້ສ້າງນະໂຍບາຍ)

The government of Kenya, the State Department of Livestock (SDL) under the Ministry of Agriculture Livestock and Fisheries

The GoK purchases KLIP policies on behalf of the pastoralists targeted under the KLIP program.

  • ອົງການຈັດຕັ້ງ ສາກົນ

Development partners such as the World Bank and ILRI

The World Bank Group provides KLIP funding to the GoK and is the principal technical adviser to SDL on KLIP. ILRI is responsible for providing technical assistance to SDL on all issues relating to insurance product design, management and improvement, as well as training and awareness creation. ILRI’s contributions are based on their experience developing, implementing and assessing an Index-Based Livestock Insurance (IBLI) program since 2008 (http://ibli.ilri.org/).

3.2 ການມີສ່ວນຮ່ວມຂອງຜູ້ນໍາໃຊ້ທີ່ດິນໃນທ້ອງຖິ່ນ / ຊຸມຊົນທ້ອງຖິ່ນໃນໄລຍະທີ່ແຕກຕ່າງກັນຂອງແນວທາງ
ການລວບລວມ ເອົາຜູ້ນໍາໃຊ້ດິນ ໃນທ້ອງຖິ່ນ / ຊຸມຊົນທ້ອງຖິ່ນ ໃຫ້ລະບຸ ຜູ້ໃດທີ່ມີສ່ວນຮ່ວມ ໃນແຕ່ລະກິດຈະກໍາ?
ການເລີ່ມຕົ້ນ / ແຮງຈູງໃຈ ການຮ່ວມມື GoK was motivated to implement KLIP in order to protect vulnerable communities from livestock losses due to drought, and also accelerate further uptake of livestock insurance by pastoralists, by experiencing how the product works.
ການວາງແຜນ ການຮ່ວມມື KLIP exemplifies the case of a multi-stakeholder participatory approach linking scientific analysis with local knowledge, while facilitating the awareness, understanding and acceptance of the product by local communities. Activities such as; delineation of geographic areas that constitute an insurable unit and selection of KLIP beneficiaries are conducted through transparent and participatory means.
ການປະຕິບັດ ການຮ່ວມມື KLIP is implemented by the SDL with support from World Bank and ILRI in collaboration with local private insurance companies which underwrite the product either individually or as a consortium. County governments and local NGOs are also involved in the implementation of KLIP.
ຕິດຕາມກວດກາ / ການປະເມີນຜົນ ການຮ່ວມມື M & E under KLIP, largely relies on acquiring information from management and project records that reflect program resource use and implementation. Primary data collection from key stakeholders is also used. Outcome measurement uses a combination of both qualitative and quantitative methods. Data collection for high level outcomes, for instance the impact of KLIP on household welfare, will require the use of official country level data or relying on countrywide surveys, since these outcomes are normally outside the full control of the program.
ການຮ່ວມມື

3.3 ແຜນວາດ (ຖ້າມີ)

ການອະທິບາຍ:

KLIP beneficiaries are pastoralist households whose livelihoods are highly dependent on livestock and are susceptible to climate uncertainties and recurrent droughts. They are considered to have limited alternative sources of livelihoods and any disruptions to livestock assets lead to destitution. The beneficiaries are selected through participatory community meetings convened by local chiefs and opinion leaders with the support of county government agricultural extension officers. The main criteria for selection is that each household must own less than 5 Tropical Livestock Units (TLU), which is approximately 5 cows (1TLU = 1 cow).
A calculating agent is an independent company or organization responsible for: (i) accessing eModis NDVI data during the Cover Period and (ii) for processing this data to calculate the index value in accordance with the agreed methodology for each Insured Unit in each county during the cover period and (iii) for reporting this data to the Insurer and the Insured on a timely basis.
Once the index is triggered, the calculating agent notifies the insurance company and the SDL. Cash pay-outs are prepared by the insurance company and disbursed to the registered beneficiary households through mobile money transfers e.g. M-Pesa (available in Kenya), bank transfers and cheques.

ຜູ້ຂຽນ:

Duncan C. Khalai

3.4 ການຕັດສິນໃຈກ່ຽວກັບການຄັດເລືອກເຕັກໂນໂລຢີຂອງການຄຸ້ມຄອງທີ່ດິນແບບຍືນຍົງ / ເຕັກໂນໂລຢີ

ລະບຸ ຄົນທີ່ຕັດສິນໃຈ ກ່ຽວກັບການຄັດເລືອກຂອງ ເຕັກໂນໂລຢີ / ເຕັກໂນໂລຢີ ຈະໄດ້ຮັບການປະຕິບັດ:
  • ພາກສ່ວນກ່ຽວຂ້ອງທັງໝົດ, ເປັນສ່ວນໜຶ່ງ ຂອງວິທີທາງແບບມີສ່ວນຮ່ວມ
Specify on what basis decisions were made:
  • ປະເມີນເອກກະສານ ຄວາມຮູ້ກ່ຽວກັບ ການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນຍົງ (ຫຼັກຖານທີ່ຊ່ວຍໃນການຕັດສິນໃຈ)

4. ການສະໜັບສະໜູນທາງດ້ານວິຊາການ, ການສ້າງຄວາມສາມາດ, ແລະ ການຈັດການຄວາມຮູ້.

4.1 ການສ້າງຄວາມສາມາດ / ການຝຶກອົບຮົມ

ຜູ້ນໍາໃຊ້ທີ່ດິນ ຫຼື ພາກສ່ວນກ່ຽວຂ້ອງອື່ນໆ ໄດ້ຮັບການຝຶກອົບຮົມບໍ່?

ແມ່ນ

ໃຫ້ລະບຸ ຜູ້ໃດທີ່ໄດ້ຮັບການຝຶກອົບຮົມ:
  • ຜູ້ນໍາໃຊ້ດິນ
  • ພະນັກງານພາກສະໜາມ / ທີ່ປຶກສາ
ຮູບແບບຂອງການຝຶກອົບຮົມ:
  • ຕົວຕໍ່ຕົວ
  • ກອງປະຊຸມ
  • ຫຼັກສູດ
ໃນຫົວຂໍ້:

1. Introduction to KLIP and its key features
a. Contract features
b. KLIP coverage
2. Beneficiary selection & registration
3. KLIP communication and awareness creation – Managing interactions with other programs
4. KLIP Voluntary and fully subsidized products - features and differences
5. County governments and State Department of Livestock coordination

ຄວາມຄິດເຫັນ:

A general training course, whose content elaborates how index based livestock insurance works was developed and distributed in form of an e-learning platform available fro registration at http://learning.ilri.org. The same course is also available in form of physical manuals and simplified pictorial books.

4.2 ການບໍລິການໃຫ້ຄໍາປຶກສາ

ເຮັດຜູ້ໃຊ້ທີ່ດິນມີການເຂົ້າເຖິງການບໍລິການໃຫ້ຄໍາປຶກສາ?

ແມ່ນ

ລະບຸວ່າການສະໜອງ ການບໍລິການ ໃຫ້ຄໍາປຶກສາ:
  • ສູນຄົ້ນຄວ້າ
ອະທິບາຍ / ຄວາມຄິດເຫັນ:

A Program Coordination Unit (PCU) comprising of a program coordinator and 2 technical officers i.e. an M&E specialist and a Networking and Capacity development specialist were constituted under the SDL. The PCU is responsible for implementing the program and its day-to-day operations. Each technical officer is responsible for specific components of the program. Advisory communication via phone and email are frequently conducted between the KLIP implementation counties and the PCU. The PCU also supports recruitment of beneficiaries, training, awareness, M&E and communication for KLIP beneficiaries, various stakeholders and partners. ILRI provides support to these activities through its Markets and Capacity development unit. The PCU also provides reports to county governments on all KLIP related aspects including; the status of the index, number and identity of beneficiaries and the amount of indemnities paid.

4.3 ສະຖາບັນການສ້າງຄວາມເຂັ້ມແຂງ (ການພັດທະນາອົງການຈັດຕັ້ງ)

ສະຖາບັນ ໄດ້ຮັບການສ້າງຕັ້ງຂື້ນ ຫຼື ໄດ້ຮັບການສ້າງຄວາມເຂັ້ມແຂງ ໂດຍການຈັດຕັ້ງປະຕິບັດ ວິທີທາງບໍ່?
  • ມີ, ພໍສົມຄວນ
ລະບຸ ທາງສະຖາບັນ ໄດ້ສ້າງຄວາມເຂັ້ມແຂງ ໃນລະດັບໃດ (ຫຼາຍ):
  • ທ້ອງຖິ່ນ
  • ລະດັບພາກພື້ນ
  • ແຫ່ງຊາດ
ອະທິບາຍ ສະຖາບັນການຈັດຕັ້ງ, ພາລະບົດບາດ ແລະ ໜ້າທີ່ຮັບຜິດຊອບ, ສະມາຊິກ ແລະ ອື່ນໆ.

At the National level; the KLIP coordination unit under the Ministry of Agriculture, Livestock and Fisheries is responsible for the following:
-To develop, and institutionalize a large-scale sustainable livestock insurance program for the Arid and Semi-Arid Lands
-Efficient and effective engagement of relevant stakeholders
-Influencing policy
-Develop and maintain Public Private Partnerships
-To institutionalizing provision of livestock insurance at national and county government levels for increased resilience of vulnerable pastoralists
-Sustained demand of livestock insurance
Regional governments (Counties) are responsible for the following:
- Support access to appropriate livestock insurance products - registration of beneficiaries, extension and awareness creation
International NGOs i.e. The World Bank Group (WBG) provides funding to the GoK and is also the principal technical adviser to the SDL on KLIP. ILRI is also funded by the World Bank Group to provide technical support around KLIP contract design, awareness creation and capacity development.

ລະບຸ ປະເພດ ຂອງສະໜັບສະໜູນ:
  • ທາງດ້ານການເງິນ
  • ການສ້າງຄວາມອາດສາມາດ / ການຝຶກອົບຮົມ

4.4 ຕິດຕາມກວດກາ ແລະ ປະເມີນຜົນ

ການຈັດຕັ້ງປະຕິບັດ ວິທີທາງ ໄດ້ມີການປະເມີນຜົນ ແລະ ຕິດຕາມບໍ?

ແມ່ນ

ຄວາມຄິດເຫັນ:

A monitoring and evaluation framework is in place to ensure that the program is constantly improved and that it can respond to challenges and opportunities arising in the field. The M&E framework is a tool for continuous program planning, implementation and reflection and also used for day-to-day reporting and tracking of progress towards outcomes and long-term impacts. The M&E frameworks's principle purposes are summarized as follows: • Tracking progress on program implementation • Identifying gaps and weaknesses in the implementation process • Planning, prioritizing, allocating and managing resources during the entire program timeline • Providing lessons for program management Regular technical reports are generated by the PCU to be submitted to the KLIP technical committee for their technical inputs.

ຖ້າແມ່ນ, ເອກກະສານສະບັບນີ້ ແມ່ນໄດ້ນໍາໃຊ້ເຂົ້າໃນການຕິດຕາມ ແລະ ປະເມີນຜົນບໍ່?

ບໍ່ແມ່ນ

ຄວາມຄິດເຫັນ:

KLIP M&E frame work is available

4.5 ການຄົ້ນຄວ້າ

ນີ້້ແມ່ນສ່ວນໜຶ່ງ ການຄົ້ນຄວ້າ ຂອງວິທີທາງບໍ່?

ແມ່ນ

ລະບຸ ຫົວຂໍ້:
  • ສັງຄົມ
  • ເສດຖະສາດ / ການຕະຫຼາດ
  • ເຕັກໂນໂລຢີ
ໃຫ້ຂໍ້ມູນ ເພີ່ມເຕີມ ແລະ ກໍານົດ ຜູ້ໃດເຮັດການຄົ້ນຄວ້າ:

A livestock insurance service for Kenya's ASALs was tested with remarkable success on a pilot basis by the International Livestock Research Institute (ILRI's) Index Based Livestock Insurance (IBLI) from 2010 –2015 supported by DfID, AUSAID, USAID and other development partners. The lessons drawn from this experience were incorporated in the inception and implementation of KLIP.

5. ການສະໜັບສະໜູນທາງດ້ານການເງິນ ແລະ ອຸປະກອນຈາກພາຍນອກ

5.1 ງົບປະມານປະຈໍາປີ ສໍາລັບວິທີທາງ ຂອງການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນຍົງ

ຖ້າຫາກບໍ່ຮູ້ຈັດງົບປະມານທີ່ແນ່ນອນ ແມ່ນໃຫ້ປະມານເອົາ:
  • > 1,000,000
ຄໍາເຫັນ (ຕົວຢ່າງ: ແຫຼ່ງຂໍ້ມູນຫຼັກ ຂອງການສະໜອງທຶນ / ຜູ້ໃຫ້ທຶນທີ່ສໍາຄັນ):

The main source of funding for the KLIP project is from the government of Kenya and the World Bank.

5.2 ການສະໜັບສະໜູນ ທາງດ້ານການເງິນ / ອຸປະກອນ ສະໜອງໃຫ້ແກ່ຜູ້ນໍາທີ່ດິນ

ຜູ້ນໍາໃຊ້ດິນ ໄດ້ຮັບການສະໜັບສະໜູນ ທາງດ້ານ ການເງິນ / ອຸປະກອນ ໃນການຈັດຕັ້ງປະຕິບັດ ເຕັກໂນໂລຢີບໍ?

ແມ່ນ

ຖ້າແມ່ນ, ໃຫ້ລະບຸປະເພດ (ຫຼາຍ) ຂອງການສະໜັບສະໜູນ, ເງື່ອນໄຂ ແລະ ຜູູ້ສະໜອງ (ຫຼາຍ):

Over 14,000 households currently under KLIP receive fully subsidized livestock insurance cover where the government of Kenya fully funds the premiums at an average rate of Ksh. 3000 per TLU, based on the cost of feeding 1 TLU during the months affected with severe drought during in a year. Each pastoralist receives cover for a maximum of 5 cows (5 TLU).
However the SDL plans to provide for a partially subsidized KLIP cover, which can be purchased by any interested pastoralist, for as long as they are willing to pay for a partial cost of the premium . Further considerations are underway to assess the possibility of making voluntary insurance more accessible and affordable to pastoralists by partial premium subsidies.

5.3 ເງິນສົມທົບສໍາລັບການນໍາໃຊ້ສະເພາະປັດໃຈຂາເຂົ້າໃນການຜະລີດກະສິກໍາ (ລວມທັງແຮງງານ)

  • ກະສິກໍາ
ໃຫ້ລະບຸໄດ້ຮັບການສະໜັບສະໜູນປັດໃຈຂາເຂົ້າຫຍັງແດ່ ທີ່ຂອບເຂດ ລະບຸ ການອຸດໜູນ
Insurance Premiums ງົບປະມານເຕັມສ່ວນ The government pays premiums on behalf of the pastoralists but is the policy holder. However, in-case a payout is triggered, the pastoralists receive the indemnity directly. Over time, the GoK plans to reduce the size of public support by transitioning into voluntary type of insurance.

5.4 ສິນເຊື່ອ

ໄດ້ປ່ອຍສິນເຊື່ອ ສະໜອງໃຫ້ພາຍໃຕ້ ວິທີການສໍາລັບກິດຈະກໍາ ການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນນຍົງບໍ່?

ບໍ່ແມ່ນ

5.5 ສິ່ງຈູງໃຈ ຫຼື ເຄື່ອງມືອື່ນໆ

ການສົ່ງເສີມ ຈັດຕັ້ງປະຕິບັດ ເຕັກໂນໂລຢີ ໃນການຄຸ້ມຄອງ ດິນແບບຍືນຍົງ ໄດ້ສະໜອງສິ່ງກະຕຸກຊຸກຍູ້ບໍ່?

ແມ່ນ

6. ວິເຄາະຜົນກະທົບ ແລະ ສັງລວມບັນຫາ

6.1 ຜົນກະທົບຂອງແນວທາງ

ວິທີທາງ ຊ່ວຍຊຸກຍູ້ ຜູ້ນຳໃຊ້ທີ່ດິນທ້ອງຖີ່ນ, ໃນການປັບປຸງ ການມີສ່ວນຮ່ວມ ຂອງຜູ້ທີ່ກ່ຽວຂ້ອງ ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

KLIP has facilitated regular stakeholder interactions leveraging various partnerships forged within its PPP framework. Local communities, county governments, national government and NGOs are all engaged in the quest to find solutions for the pastoralists, who face repetitive cycles of devastating droughts.

ການນໍາໃຊ້ ວິທີທາງ ດັ່ງກ່າວນີ້ ສາມາດເປັນຫຼັກຖານ ທີ່ສະໜັບສະໜູນ ໃຫ້ການຕັດສິນໃຈໄດ້ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

KLIP has largely enabled evidence-based decision making within the National treasury and Parliament as both entities have been considerably increasing annual financial allocations for KLIP. Other donors e.g. the World Bank continue to support KLIP implementation as well as there being increased interest from county governments to provide additional funding towards the program. Also more pastoralists are beginning to voluntarily purchase livestock insurance as they have experienced ho the product works through KLIP.

ການຈັດຕັ້ງປະຕິບັດ ວິທີທາງ ສາມາດຊ່ວຍຜູ້ນໍາໃຊ້ທີ່ດິນ ໃນການຈັດຕັ້ງປະຕິບັດ ແລະ ບໍາລຸງຮັກສາ ເຕັກໂນໂລຢີ ການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນຍົງໄດ້ບໍ?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

The impact of KLIP on the target population with regards to land use and maintenance of SLM technologies is not yet observable as KLIP is only 3 years into implementation. Rigorous impact analysis may need to be conducted to establish such impacts. However, the rising demand for the KLIP product both from the insurance companies (supply side) and the pastoralists (demand side) is an indication of implementation and maintainance of the SLM (KLIP).

ການນໍາໃຊ້ ວິທີທາງ ສາມາດລະດົມ ຫຼື ປັບປຸງ ການເຂົ້າເຖິງຊັບພະຍາກອນ ການເງິນ ສໍາລັບການຈັດຕັ້ງປະຕິບັດ ການຄຸ້ມຄອງ ທີ່ດິນແບບຍືດຍົງໄດ້ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

Advocacy efforts have been directed at raising decision makers’ awareness on the benefits of KLIP is having and the potential it holds for pastoralist communities country-wide. County governments and donors need to appreciate and be motivated towards playing a key role in the implementation KLIP.

ການນໍາໃຊ້ ວິທີທາງ ສາມາດປັບປຸງຄວາມຮູ້ ແລະ ຄວາມສາມາດຂອງຜູ້ນໍາໃຊ້ທີ່ດິນ ໃນການປະຕິບັດ ການຄຸ້ມຄອງ ທີ່ດິນແບບຍືດຍົງໄດ້ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

Insurance as a concept is complex and regulated entities in the sector seldom commit resources for awareness creation other than marketing of their individual products. KLIP implementation takes into account this situation and has continuously undertaken publicity and awareness creation about insurance with the aim of ensuring that consumers know about and understand the concept of insurance, and can make informed judgments and to take effective decisions in an insurance transaction.

ການນໍາໃຊ້ ວິທີທາງ ສາມາດປັບປຸງຄວາມຮູ້ ແລະ ຄວາມສາມາດ ຂອງພາກສ່ວນທີ່ກ່ຽວຂ້ອງໄດ້ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

KLIP implementation has capacity development as one of its key components, which entails developing tools and materials that help support training, extension and awareness creation on KLIP's agenda. Various government, Insurance, County and Community members have undergone KLIP training at distinct levels. Despite all this, there is still room for more to be achieved with regards to capacity development.

ການນໍາໃຊ້ ວິທີທາງ ສາມາດສ້າງຄວາມເຂັ້ມແຂງ ໃຫ້ສະຖາບັນການຈັດຕັ້ງ, ການຮ່ວມມື ລະຫວ່າງພາກສ່ວນທີ່ກ່ຽວຂ້ອງບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

Since its inception in 2014, KLIP has thrived on collaboration among various state and non-state actors. The State Department of World Bank Group, the International Livestock Research Institute (ILRI) and the Financial Sector Deepening Kenya (FSD), private local insurers (APA Insurance Ltd., UAP Insurance, CIC Insurance, Jubilee Insurance, Amaco Insurance, Heritage Insurance, Kenya Orient) and one global reinsurer (Swiss Re)).

ການຈັດຕັ້ງປະຕິບັດ ວິທີທາງ ສາມາດສ້າງຄວາມເຂັ້ມແຂງ ທາງສັງຄົມ ແລະ ເສດຖະກິດບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

ILRI conducted a phone survey in 2017, where 643 phone numbers registered to beneficiaries under the KLIP program were selected out of the total 14,000 beneficiaries. Out of the 643, 337 beneficiaries were reached and out of these 300 were surveyed (37 either had no time or did not consent). Questions were asked about the Short Rain Short Dry 2016 and Long Rain Long Dry 2017 seasons. Of the 300 surveyed, 129 reported receiving KLIP payments associated with the SRSD 2016 drought. Out of these 58% indicated having spent the money on food. Based on this therefore, it can be noted that KLIP has moderately contributed to social and economic empowerment of disadvantaged groups.

xxxxx

ການນໍາໃຊ້ ວິທີທາງ ໄດ້ປັບປຸງ ການຄໍ້າປະກັນສະບຽງອາຫານ ຫຼື ປັບປຸງໂຄສະນາການໄດ້ບໍ່?
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

Under the same study described above, out of 300 beneficiaries surveyed, 129 reported receiving KLIP payments associated with the SRSD 2016 drought, 75 (58%) of these, reported having spent the cash on food stuff for their households.

The KLIP study above also indicated increased access to markets as respondents were asked how they changed their response to the drought once they knew that the KLIP payouts were coming. Out of the 63 respondents to this question, more than 50% indicated that they increased purchase of, veterinary drugs & services together with forage and water for their animals.

There is no evidence linking sustainable use of energy to KLIP

ການຈັດຕັ້ງປະຕິບັດ ວິທີທາງ ສາມາດສ້າງຄວາມອາດສາມາດໃຫ້ຜູ້ນໍາໃຊ້ດິນ ໃນການປັບຕົວ ຕໍ່ການປ່ຽນແປງດິນຟ້າອາກາດ / ຫຼດຜ່ອນຄວາມສ່ຽງທາງໄພພິບັດໄດ້ບໍ? :
  • ບໍ່
  • ມີ, ໜ້ອຍໜຶ່ງ
  • ມີ, ພໍສົມຄວນ
  • ມີ, ຫຼາຍ

KLIP has so far been able to enhance the capacity of pastoral communities to minimize weather related risks through provision of index based livestock insurance build the resilience of vulnerable pastoralists in Kenya's ASALs.

6.2 ແຮງຈູງໃຈຫຼັກຂອງຜູ້ນໍາໃຊ້ທີ່ດິນໃນການປະຕິບັດການຄຸ້ມຄອງທີ່ດິນແບບຍືນຍົງ

  • ຫຼຸດຜ່ອນຄວາມສ່ຽງຂອງໄພພິບັດ

A large-scale livestock insurance program could help to protect core breeding herd assets thereby building drought resilience and contributing to improved livelihoods and incomes for the pastoralists.

  • ການຊໍາລະເງິນ / ເງິນອຸດໜູນ

KLIP implementation is organized in two key payment/ subsidy based components that are being implemented in a phased approach:
Fully subsidized KLIP: Under this component, the GoK purchases index insurance on behalf of selected vulnerable pastoralists in the ASALs. GoK pays the premiums for up to 5 TLU for only the selected households. Over time, the government plans to reduce the size of public support through the provision of a partially subsidized cover. Under this approach, any household, whether beneficiary of the fully supported KLIP or not, shall have the opportunity to purchase index insurance at market rates. Eventually the government hopes to achieve higher uptake of index based livestock insurance by pastoralists on a commercial basis.

  • ການປັບປຸງ ຄວາມຮູ້ ແລະ ຄວາມສາມາດ ຂອງການຄຸ້ມຄອງ ທີ່ດິນແບບຍືນຍົງ

Extension services, distribution of KLIP awareness materials, radio programs, workshops and structured community engagements are part of the SDL and partners' efforts to enhance knowledge and skills on KLIP.

6.3 ຄວາມຍືນຍົງຂອງກິດຈະກໍາວິທີທາງ

ຜູ້ນໍາໃຊ້ ທີ່ດິນ ສາມາດສືບຕໍ່ ການຈັດຕັ້ງປະຕິບັດ ຜ່ານວິທີທາງໄດ້ບໍ່ (ໂດຍປາດສະຈາກ ການຊ່ວຍເຫຼືອ ຈາກພາກສ່ວນພາຍນອກ)?
  • ບໍ່ແນ່ນອນ
ຖ້າ ບໍ່ ຫຼື ບໍ່ແນ່ໃຈ, ໃຫ້ອະທິບາຍ ແລະ ຄໍາເຫັນ:

KLIP is structured in a double pronged approach meant to ensure scale up and sustainability, however uncertainty over the program's sustainability emanates from the lack of government policies that can guarantee continuity. Efforts are still ongoing to ensure such policies are in place.

6.4 ຈຸດແຂງ / ຂໍ້ດີ ຂອງວິທີທາງ

ຈຸດແຂງ / ຂໍ້ດີ / ໂອກາດໃນການນໍາໃຊ້ທີ່ດິນ
High level support from the government and development partners is a strength for KLIP as it continues to attract goodwill from key stakeholders within and outside government.
KLIP is anchored in a reliable, simple and trusted technology - index based livestock insurance, which is a product of rigorous research.
KLIP's impacts and lessons are replicable and scalable in other geographical locations .

6.5 ຈຸດອ່ອນ / ຂໍ້ເສຍຂອງແນວທາງ ແລະ ວິທີການແກ້ໄຂໃຫ້ເຂົາເຈົ້າ

ຈຸດອ່ອນ / ຂໍ້ເສຍ / ຄວາມສ່ຽງໃນມູມມອງຂອງຜູ້ນໍາໃຊ້ທີ່ດິນ ມີວິທີການແກ້ໄຂຄືແນວໃດ?
Full commercialization of livestock insurance might be a challenge to achieve considering that the private sector, especially insurance companies are profit oriented and might not be fully motivated to venture into the hard to reach, remote and poorly infrastructured ASALs of Kenya where KLIP is implemented. Continuous capacity development and proper policy environment should be created to enable the private sector's desire to venture into the target regions and fully commercialize the product.
Sustainability – There is no government policy or legislative Act on KLIP . Its therefore not a guaranteed possibility that the government will support this in the long term. Continued advocacy, lobbying and sensitization need to be done targeting the key policy makers. Also a proper exit strategy should be designed and put into action.

7. ເອກກະສານອ້າງອີງ ແລະ ຂໍ້ມູນການເຊື່ອມໂຍງ

7.1 ວິທີການ / ແຫຼ່ງຂໍ້ມູນ

  • ການລວບລວມ ບົດລາຍງານ ແລະ ເອກະສານອື່ນໆ ທີ່ມີຢູ່ແລ້ວ

7.2 ເອກະສານທົ່ວໄປທີ່ສາມາດໃຊ້ໄດ້

ຫົວຂໍ້, ຜູ້ຂຽນ, ປີ, ISBN:

N/A

7.3 ການເຊື່ອມຕໍ່ກັບຂໍ້ມູນທີ່ກ່ຽວຂ້ອງທີ່ສາມາດໃຊ້ອອນໄລນ໌

ຫົວຂໍ້ / ພັນລະນາ:

Successful Kenya Livestock Insurance Program scheme scales up

URL:

http://www.swissre.com/reinsurance/successful_Kenya_livestock_insurance_program_scheme_scales_up.html

ຫົວຂໍ້ / ພັນລະນາ:

Govt to release record cash payout in livestock insurance program

URL:

https://www.capitalfm.co.ke/business/2017/03/govt-to-release-record-cash-payout-in-livestock-insurance-program/

ຫົວຂໍ້ / ພັນລະນາ:

APA Pay The First Major Claim To The Kenya Livestock Insurance Program (KLIP) Farmers

URL:

http://www.apainsurance.org/news/apa-pay-the-first-major-claim-to-the-kenya-livestock-insurance-program-klip-farmers/

ຫົວຂໍ້ / ພັນລະນາ:

SATELLITE, MOBILE TECHNOLOGIES UNDERPIN INSURANCE PAYOUT TO HERDERS IN KENYA

URL:

https://www.iii.org/insuranceindustryblog/?tag=kenya-livestock-insurance-program

ຫົວຂໍ້ / ພັນລະນາ:

Record payouts being made by Kenya Government and insurers to protect herders facing historic drought

URL:

https://ibli.ilri.org/2017/02/22/record-payouts-being-made-by-kenya-government-and-insurers-to-protect-herders-facing-historic-drought/

ຂໍ້ມູນການເຊື່ອມຕໍ່ ແລະ ເນື້ອໃນ

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