Posted by Andi Wawang

Kenya  provides insurane on livestock
A new insurance scheme to protect livestock from the dry season was launched in Northern Kenya. The breeder offered a scheme to use satellite technology to check the existence of pasture for their cattle.

Northern Kenya is arid region last year experienced a prolonged dry season and hundreds of thousands of livestock were killed. Previous efforts to insure livestock in rural areas of Africa were not possible.
Partly because it would be too expensive for insurance companies to calculate the number of livestock that died that spread in a vast territory. However, a new scheme which was launched in Marsabit, northern Kenya, this offers hope in times of prolonged dry season is hitting people.

International Livestock Research Institute, ILRI, said the satellite images will be used to monitor natural situations - if the image shows the amount of reduced pasture, cattle will die and assumed the owner could receive compensation from the insurance.

Andrew Mude of ILRI, told the BBC that the project would take four years and intended to be sustainable commercial basis.

"The percentage of the premiums depending on the region. Marsabit On more susceptible to drought and the premium of 5.5% of the value of livestock. While in Marsabit Lower premium paid is 3.25%," he said.

This scheme will be run by a Bank of Kenya in collaboration with a local insurance company. In the beginning, a thousand families in Northern Kenya will insure cattle, goats, sheep and camels belong to them. To insure 10 cows, for example, a family must pay a premium of around £ 31 (about USD 50 thousand).

This number seems large, but pay a third of the value of one cow to get insurance for the 10 head of cattle is very tempting, especially if calculated the potential losses that will occur due to dry season.

Last year, Kenya lost community of thousands of cattle ranchers after the rain does not fall and there is also a sign of climate change will impact very badly on the continent.

Cattle for some people there is similar to a bank account, so insuring the animal could be an effort to prevent future economic crises.
If successful, this scheme will be implemented across the region and elsewhere in Africa.

"This scheme will be very popular if applied here," said Michael Ameripus, of Veterinarians Without Borders organization in the territory of Turkana, northern Kenya.

"From a population of around two million sheep and goats in Turkana district, about 300 thousand die because of drought recently," he added.

"So the insurance will help people here." (Bbc / zet)

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