Session espagnole : Renforcer l’inclusion financière grâce à l’assurance agricole
La session espagnole d’Agri-PDB a examiné comment l’assurance agricole renforce l’inclusion financière et la résilience rurale pour les petits exploitants agricoles confrontés aux risques climatiques. S’appuyant sur les enseignements de FINAGRO en Colombie, les experts ont souligné que la combinaison de crédit, d’assurance et d’assistance technique peut aider les petits producteurs à gérer les risques, investir de manière durable et renforcer la confiance dans les systèmes financiers.
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Agricultural Insurance for Inclusive and Resilient Rural Finance
8 September 2025
Strengthening Inclusion Through Agricultural Insurance
The session gathered development bankers, insurance specialists, and rural finance experts to explore how agricultural insurance can promote financial inclusion. Participants highlighted that timely financing and risk management must go together, especially for smallholder farmers vulnerable to climate variability.
The Role of Insurance in Building Rural Resilience
Agriculture remains central to food security and poverty reduction, yet climate change is increasing the unpredictability of yields and incomes. Well-designed agricultural insurance can act as a financial stabilizer, protecting farmers’ revenues without disrupting production. It can also serve as an alternative form of collateral, making credit more accessible where traditional guarantees are limited.
The case of Colombia’s FINAGRO demonstrated how integrating parametric insurance, microcredit, and technical assistance helps small producers strengthen both resilience and trust in financial systems.
Challenges, Innovation, and the Way Forward
Despite progress, barriers remain—from high costs and complex products to limited awareness. Expanding access requires tailored, affordable insurance, rapid payouts, and clear communication with farmers. Partnerships among banks, insurers, regulators, and producer organizations are essential, as are policy reforms that support the use of parametric insurance.
Emerging technologies—like remote sensing, weather indices, and data analytics—offer ways to reduce costs, improve accuracy, and expand coverage. Ultimately, agricultural insurance can be a powerful tool for rural inclusion and resilience, but only if supported by trust, innovation, and collaboration across the financial ecosystem.
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