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\u0627\u0644\u0645\u0642\u0641\u0648\u0644\u0629.<br \/>\n3.\t\u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0641\u0649 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0631\u0639\u0648\u0649 \u0648\u0627\u0644\u0630\u0649 \u064a\u0645\u062b\u0644 \u0623\u0643\u062b\u0631 \u0645\u0646 85% \u0645\u0646 \u0627\u0644\u062a\u0639\u062f\u0627\u062f \u0627\u0644\u062d\u064a\u0648\u0627\u0646\u0649 \u0628\u0627\u0644\u0628\u0644\u0627\u062f.<br \/>\n4.\t\u062f\u0631\u0627\u0633\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0637\u0628\u064a \u0627\u0644\u0628\u064a\u0637\u0631\u064a.<br \/>\n5.\t\u0631\u0641\u0639 \u0627\u0644\u0648\u0639\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0648\u0627\u0644\u0625\u0631\u0634\u0627\u062f\u064a \u0644\u0644\u0645\u0646\u062a\u062c\u064a\u0646.<br \/>\n6.\t\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u0637\u064a\u0639 \u0627\u0644\u0642\u0648\u0645\u064a \u0648\u0627\u0644\u062d\u064a\u0648\u0627\u0646\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u062d\u0645\u064a\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.<br \/>\n\u064a\u063a\u0637\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062b\u0631\u0648\u0629 \u0627\u0644\u062d\u064a\u0648\u0627\u0646\u064a\u0629 \u0627\u0644\u0627\u062e\u0637\u0627\u0631 \u0627\u0644\u0622\u062a\u064a\u0629 :<br \/>\n1.\t\u0627\u0644\u0646\u0641\u0648\u0642 \u0628\u0633\u0628\u0628 \u0627\u0644\u0623\u0645\u0631\u0627\u0636 \u0648\u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u062a\u0646\u0648\u0639\u0629.<br \/>\n2.\t\u0627\u0644\u0625\u062c\u0647\u0627\u0636 \u0644\u0644\u0623\u0628\u0642\u0627\u0631 \u0641\u064a \u0627\u0644\u062d\u0638\u0627\u0626\u0631 \u0627\u0644\u0645\u063a\u0644\u0642\u0629 \u0644\u0639\u0645\u0631 \u0627\u0644\u062c\u0646\u064a\u0646 \u0645\u0646 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631.<br \/>\n3.\t\u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u0627\u0646\u062a\u0627\u062c\u064a\u0629 \u0644\u0623\u0633\u0628\u0627\u0628 \u0645\u063a\u0637\u0627\u0647 (\u062a\u0644\u062c\u064a\u0646).<br \/>\n4.\t\u062e\u0637\u0631 \u0627\u0644\u0633\u0631\u0642\u0629 \u0641\u064a \u0627\u0644\u0645\u0632\u0627\u0631\u0639 \u0627\u0644\u0645\u0642\u0641\u0648\u0644\u0629 (\u0648\u0641\u0642 \u0634\u0631\u0648\u0637 \u0645\u062d\u062f\u062f\u0629).<\/p>\n<p>3. \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0648\u0627\u0644\u062a\u0648\u0633\u0639:- Market penetration<br \/>\n3-1. \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0641\u064a \u0627\u0644\u0645\u0633\u0627\u062d\u0627\u062a \u0648\u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644 \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u0643\u064a\u0646 \u062d\u0633\u0628 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a: <\/p>\n<p>\u0627\u0644\u0645\u0648\u0633\u0645\t\u0627\u0644\u0645\u0633\u0627\u062d\u0629(\u0641\u062f\u0627\u0646)\t\u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\u0639\u062f\u062f \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u064a\u0646\t\u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2002\t22.064,50\t\u0627\u0644\u0642\u0637\u0646.\t6.300\t\u0627\u0644\u0645\u0631\u0648\u0649<br \/>\n2003\t65.067,75\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629.\t15.110\t\u0627\u0644\u0645\u0631\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0631\u0649<br \/>\n2004\t180.630,88\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629,\u0627\u0644\u0633\u0645\u0633\u0645,\u0627\u0644\u0642\u0637\u0646 \u0627\u0644\u0645\u0637\u0631\u0649,\u0627\u0644\u0630\u0631\u0629 \u0627\u0644\u0634\u0627\u0645\u064a.\t29.000\t\u0627\u0644\u0645\u0631\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0631\u0649<br \/>\n2005\t200.556,25\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629,\u0627\u0644\u0633\u0645\u0633\u0645,\u0627\u0644\u0642\u0637\u0646 \u0627\u0644\u0645\u0637\u0631\u0649,\u0627\u0644\u0630\u0631\u0629 \u0627\u0644\u0634\u0627\u0645\u064a,\u0632\u0647\u0631\u0629 \u0627\u0644\u0634\u0645\u0633.\t37.949\t\u0627\u0644\u0645\u0631\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0631\u0649<br \/>\n2006\t662.032.00\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629,\u0627\u0644\u0633\u0645\u0633\u0645, \u0627\u0644\u0642\u0645\u062d\u060c \u0627\u0644\u0642\u0637\u0646\u060c\u0627\u0644\u0645\u0637\u0631\u0649,\u0627\u0644\u0630\u0631\u0629\u0627\u0644\u0634\u0627\u0645\u064a,\u0632\u0647\u0631\u0629 \u0627\u0644\u0634\u0645\u0633, \u0627\u0644\u0645\u0648\u0632 \u060c\u0627\u0644\u062f\u062e\u0646.\t130.000\t\u0627\u0644\u0645\u0631\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0631\u0649 \u0648\u0627\u0644\u0628\u0633\u062a\u0627\u0646\u0649<br \/>\n2007\t800644.00\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629,\u0627\u0644\u0633\u0645\u0633\u0645, \u0627\u0644\u0642\u0645\u062d\u060c \u0627\u0644\u0642\u0637\u0646 \u0627\u0644\u0645\u0637\u0631\u0649,\u0627\u0644\u0630\u0631\u0629 \u0627\u0644\u0634\u0627\u0645\u064a, \u0632\u0647\u0631\u0629 \u0627\u0644\u0634\u0645\u0633,\u0627\u0644\u062f\u062e\u0646.\t\u062d\u0648\u0627\u0644\u0649 130.000\t\u0627\u0644\u0645\u0631\u0648\u0649 \u0648\u0627\u0644\u0645\u0637\u0631\u0649 \u0648\u0627\u0644\u0628\u0633\u062a\u0627\u0646\u0649<br \/>\n2008\t2347000.00\t\u0627\u0644\u0642\u0637\u0646,\u0627\u0644\u0630\u0631\u0629,\u0627\u0644\u0633\u0645\u0633\u0645, \u0627\u0644\u0642\u0645\u062d\u060c \u0627\u0644\u0642\u0637\u0646 \u0627\u0644\u0645\u0637\u0631\u0649,\u0627\u0644\u0630\u0631\u0629 \u0627\u0644\u0634\u0627\u0645\u064a, \u0632\u0647\u0631\u0629 \u0627\u0644\u0634\u0645\u0633, \u0627\u0644\u062f\u062e\u0646 \u060c\u0627\u0644\u0642\u0648\u0627\u0631\u060c\u0627\u0644\u0645\u0648\u0632\u060c\u0627\u0644\u062e\u0636\u0631\u0648\u0627\u062a.\t\u0627\u0643\u062b\u0631 \u0645\u0646 150,000\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n\t             1,319,242.00 \t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2010\t           2,057,080.00 \t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2011\t2,442,138.00\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2012\t1,470,226.70\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t32,369.00\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2013\t1,436,735.64\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t43,570.00\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2014\t1,605,046.36\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t41,429.00\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2015\t3,791,171.63\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2016\t2,591,575.27\t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2017\t             3,036,626.85 \t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2018\t             2,347,883.70 \t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<br \/>\n2019\t             2,348,584.02 \t\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644\t\t\u0643\u0644 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a<\/p>\n<p>3-2. \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0641\u0646\u064a\u0629:<br \/>\n3-2-1. \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628  \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a  (\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644)<br \/>\n\u0627\u0644\u0645\u0648\u0633\u0640\u0640\u0640\u0640\u0645\t\u0627\u0644\u0627\u0642\u0633\u0640\u0640\u0640\u0640\u0640\u0640\u0640\u0627\u0637\t\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0640\u0640\u0640\u0640\u0640\u0640\u0627\u062a\t\u0646\u0633\u0628\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<br \/>\n2002\t685,764\t80,083\t12%<br \/>\n2003\t1,841,535\t368,945\t20%<br \/>\n2004\t4,631,582\t663,707\t14%<br \/>\n2005\t5,117,072\t1,922,205\t38%<br \/>\n2006\t14,323,550\t5,178,822\t36%<br \/>\n2007\t13,166,780\t5,917,951\t45%<br \/>\n2008\t26,271,931\t11,063,510\t42%<br \/>\n2009\t13,707,630.00\t10,622,025.00\t77%<br \/>\n2010\t16,369,862.00\t6,362,924.00\t39%<br \/>\n2011\t38,583,216.84\t37,495,871.00\t97%<br \/>\n2012\t17,593,243.23\t10,842,470.50\t62%<br \/>\n2013\t32,035,069.05\t27,052,329.01\t84%<br \/>\n2014\t42,953,705.56\t11,619,622.96\t27%<br \/>\n2015\t121,523,133.82\t75,217,808.42\t62%<br \/>\n2016\t96,694,983.41\t37,001,287.90\t38%<br \/>\n2017\t139,296,859.63\t102,065,579.60\t73%<br \/>\n2018\t172,940,361.23\t98,943,815.00\t57%<br \/>\n2019\t292,258,271.84\t198,069,306.16\t68%<br \/>\n2020\t\t\t<\/p>\n<p>3-2-2. \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628  \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a  (\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062b\u0631\u0648\u0629 \u0627\u0644\u062d\u064a\u0648\u0627\u0646\u064a\u0629)<br \/>\n\u0627\u0644\u0639\u0640\u0640\u0640\u0640\u0627\u0645\t\u0627\u0644\u0623\u0642\u0633\u0640\u0640\u0640\u0640\u0640\u0640\u0640\u0627\u0637\t\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0640\u0640\u0640\u0640\u0640\u0640\u0627\u062a\t\u0646\u0633\u0628\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<br \/>\n1992\t39\u060c307\t10\u060c165\t25.8%<br \/>\n1993\t66\u060c454\t65\u060c946\t99.2%<br \/>\n1994\t37\u060c030\t17\u060c205\t38.3%<br \/>\n1995\t185\u060c612\t17\u060c224\t9.2%<br \/>\n1996\t22\u060c692\t4\u060c950\t20.2%<br \/>\n1997\t90\u060c705\t53\u060c932\t59.4%<br \/>\n1998\t87\u060c958\t9\u060c000\t10.2%<br \/>\n1999\t157\u060c674\t116\u060c921\t76.1%<br \/>\n2000\t173\u060c785\t179\u060c050\t103%<br \/>\n2001\t197\u060c400\t223\u060c445\t113.1%<br \/>\n2002\t299\u060c730\t187\u060c590\t62.5%<br \/>\n2003\t509\u060c517\t164\u060c444\t32.2%<br \/>\n2004\t405\u060c725\t108\u060c206\t27.9%<br \/>\n2005\t686\u060c670\t202\u060c810\t29.5%<br \/>\n2006\t713\u060c285\t198\u060c758\t27.8%<br \/>\n2007\t781\u060c685\t242,548\t31%<br \/>\n2008\t1,421,451\t383,516\t27%<br \/>\n2009\t1,947,174.00\t579,533.00\t29.7%<br \/>\n2010\t3,303,231.00\t718,110.00\t21%<\/p>\n<p>4. \u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0645\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629<br \/>\n   \u0645\u0646\u0630 \u0623\u0646 \u0628\u062f\u0623 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0642\u0627\u0645\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0645\u0639 \u0643\u0627\u0641\u0629 \u0627\u0644\u062c\u0647\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0648\u0645\u0646\u0647\u0627:-<br \/>\n1- \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0648\u0627\u0644\u063a\u0627\u0628\u0627\u062a:<br \/>\n\u062a\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u0627\u062a \u0645\u0639 \u0627\u0644\u0633\u064a\u062f \u0648\u0632\u064a\u0631 \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0648\u0627\u0644\u0633\u0627\u062f\u0629 \u0648\u0632\u0631\u0627\u0621 \u0627\u0644\u062f\u0648\u0644\u0629 \u0648\u0645\u0646 \u0630\u0644\u0643 \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u064a \u0627\u0644\u0630\u0649 \u0642\u062f\u0645\u0647 \u0627\u0644\u0633\u064a\u062f\/\u0647\u064a\u0631\u0641 \u0628\u0644\u0648\u0645\u0646\u062b\u0627\u0644 \u0623\u062d\u062f \u0627\u0644\u0642\u064a\u0627\u062f\u0627\u062a \u0627\u0644\u0639\u0644\u064a\u0627 \u0641\u0649 \u0634\u0631\u0643\u0629 \u0628\u0627\u0631\u062a\u062a\u0631\u0631\u0649 \u0644\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 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\u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0645\u063a\u0637\u0649 \u0644\u0645\u062d\u0635\u0648\u0644 \u0645\u0639\u064a\u0646).<br \/>\n\uf0a7\t\u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u064a\u0628\u0631\u0632 \u0625\u0634\u0643\u0627\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0639\u0643\u0633\u064a \u0648\u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0639\u0646\u0648\u064a \u0628\u0635\u0648\u0631\u0629 \u0643\u0628\u064a\u0631\u0629.<br \/>\n5-10-8. \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a Index Insurance<br \/>\n\uf0a7\t\u0645\u0646\u062a\u062c \u062a\u0623\u0645\u064a\u0646\u064a \u062c\u062f\u064a\u062f (\u0646\u0633\u0628\u064a\u0627\u064b).<br \/>\n\uf0a7\t\u064a\u063a\u0637\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062c\u0641\u0627\u0641 (Drought) \u0628\u0635\u0648\u0631\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 (\u0627\u0644\u062e\u0637\u0631 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\u0645\u0628\u0644\u063a\u0627\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u064a\u0635\u0628\u062d \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0634\u0647\u0627\u062f\u0629 \u0628\u062d\u062f\u0648\u062b \u0638\u0631\u0648\u0641 \u0645\u0646\u0627\u062e\u064a\u0629 \u063a\u064a\u0631 \u0645\u0624\u0627\u062a\u064a\u0647 (Adverse Weather Condition )\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0643\u0628\u0648\u0646 \u064a\u0645\u0643\u0646 \u0627\u0646 \u062a\u0643\u0648\u0646 \u0645\u062a\u0646\u0627\u0633\u0628\u0629 \u0645\u0639 \u0634\u062f\u0629 \u0627\u0644\u062d\u0627\u0644\u0629. \u0628\u0645\u0639\u0646\u0649 \u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0633\u0651\u0648\u0642 \u0641\u064a \u0648\u062d\u062f\u0627\u062a \u0642\u064a\u0627\u0633\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 (\u0645\u062b\u0644\u0627\u064b 10 $\u060c 50$\u060c 100$) \u0627\u0644\u062e. \u0633\u0639\u0631 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\u2013 \u0628\u0648\u062a\u064a\u0631\u0629 \u0648\u062d\u062c\u0645 \u0643\u0628\u064a\u0631 (\u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0630\u0644\u0643 \u0628\u0633\u0628\u0628 \u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e \u0641\u0649 \u0627\u0644\u0639\u0627\u0644\u0645)\u060c \u0648\u0642\u062f \u062a\u062a\u0643\u0631\u0631 \u0647\u0630\u0647 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0639\u0627\u0645\u0627\u064b \u0628\u0639\u062f \u0639\u0627\u0645\u060c \u0647\u0630\u0627 \u0627\u0644\u0648\u0636\u0639 \u064a\u0647\u062f\u062f \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u0649 \u0625\u0633\u062a\u0645\u0631\u0627\u0631\u0647\u0627.<br \/>\n7-3. \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u064a\u0629:<br \/>\n\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u0649 \u062a\u062d\u062a\u0627\u062c \u0644\u0642\u062f\u0631\u0627\u062a \u0625\u062f\u0627\u0631\u064a\u0629 \u0645\u062f\u0631\u0628\u0629 \u0648\u0637\u0627\u0642\u0627\u062a \u0628\u0634\u0631\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0628\u063a\u0631\u0636 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0645\u0646 \u062c\u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0645\u0633\u062d \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u062a\u0642\u0648\u064a\u0645 \u0648\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u0625\u062f\u0627\u0631\u0629 \u0648\u0636\u0628\u0637 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u0621\u060c \u0648\u063a\u064a\u0631 \u0630\u0644\u0643.<br \/>\n7-4. \u0639\u062f\u0645 \u062a\u0648\u0641\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629:Available and Reliable Data<br \/>\n\u062c\u0645\u0639 \u0648\u062a\u062d\u0644\u064a\u0644 \u0648\u062d\u0641\u0638 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u0639\u062a\u0628\u0631 \u0623\u0635\u0644 \u0647\u0627\u0645 (asset) \u0644\u0623\u0649 \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u0623\u0645\u064a\u0646 \u0632\u0631\u0627\u0639\u0649\u060c \u0639\u0644\u064a\u0647 \u0641\u0625\u0646 \u0639\u062f\u0645 \u062a\u0648\u0641\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u062a\u0648\u0641\u0631 \u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0645\u0648\u062b\u0648\u0642 \u0628\u0647\u0627 \u064a\u0636\u0639\u0641 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a\u0629 \u0644\u0644\u0628\u0631\u0646\u0627\u0645\u062c. \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u0623\u062a\u0649 \u0645\u0646 \u0623\u0646\u0647\u0627 \u062a\u062f\u062e\u0644 \u0641\u0649 \u062a\u0635\u0645\u064a\u0645 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0641\u0649 \u062a\u0642\u064a\u064a\u0645 \u0637\u0628\u064a\u0639\u0629 \u0648\u062d\u062c\u0645 \u0648\u062a\u0648\u0627\u062a\u0631 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u0649 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u0641\u0649 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<br \/>\n7-5. \u0645\u0639\u0636\u0644\u0629 \u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0628\u0627\u0631\u064a \u0645\u0642\u0627\u0628\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u062e\u062a\u064a\u0627\u0631\u064a:<br \/>\n\u0645\u0627 \u0644\u0645 \u062a\u0623\u0645\u0631 \u0627\u0644\u062f\u0648\u0644\u0629 \u0628\u0645\u0634\u0627\u0631\u0643\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0632\u0627\u0631\u0639\u064a\u0646 \u0641\u0649 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u0649\u060c \u0641\u0625\u0646\u0647 \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u064a\u062a\u062d\u0645\u0633 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0645\u0639\u0631\u0636\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u063a\u064a\u0631\u0647\u0645 \u0644\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0648\u064a\u0646\u0623\u064a \u0639\u0646\u0647 \u0645\u0646 \u064a\u0648\u0627\u062c\u0647\u0648\u0646 \u0645\u062e\u0627\u0637\u0631 \u0623\u0642\u0644\u060c \u062e\u0635\u0648\u0635\u0627\u064b \u0641\u0649 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u0631\u0648\u064a\u0629. \u0647\u0630\u0627 \u0627\u0644\u0648\u0636\u0639 \u064a\u0648\u0644\u062f \u0645\u0627 \u064a\u0639\u0631\u0641 \u0628\u0627\u0644\u0625\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0639\u0643\u0633\u0649 \u0623\u0648 \u0627\u0644\u062e\u0627\u0637\u0626 (Adverse Selection)\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0631\u0641\u0639 \u062a\u0643\u0644\u0641\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0648\u0642\u062f \u064a\u0624\u062f\u0649 \u0627\u0644\u0649 \u062a\u0648\u0642\u0641\u0647 \u0641\u0649 \u0627\u0644\u0646\u0647\u0627\u064a\u0629. \u0644\u0627 \u0628\u062f \u0645\u0646 \u062e\u0644\u0642 \u062a\u0648\u0627\u0632\u0646 \u0628\u062a\u0635\u0645\u064a\u0645 \u0648\u062b\u064a\u0642\u0629 \u0625\u062c\u0628\u0627\u0631\u064a\u0629 \u062c\u0627\u0630\u0628\u0629 \u0644\u0623\u0643\u0628\u0631 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u0631\u0639\u064a\u0646 \u0648\u0648\u062b\u0627\u0626\u0642 \u0623\u062e\u0631\u0649 \u0625\u062e\u062a\u064a\u0627\u0631\u064a\u0629.<br \/>\n7-6. \u0645\u0639\u0636\u0644\u0629 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0639\u0646\u0648\u064a Moral Hazard<br \/>\n\u0648\u064a\u0639\u0631\u0641 \u0628\u0623\u0646\u0647 \u0639\u062f\u0645 \u0625\u0647\u062a\u0645\u0627\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u064a\u0646 \u0628\u0635\u064a\u0627\u0646\u0629 \u0648\u062e\u0641\u0636 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0632\u0631\u0627\u0639\u064a\u0629 \u0628\u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 (Perfect Husbandry Practices)\u060c \u062d\u0627\u0644 \u0634\u0631\u0627\u0626\u0647\u0645 \u0644\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0647\u0648 \u0645\u0641\u0647\u0648\u0645 \u0645\u063a\u0627\u064a\u0631 \u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u062a\u064a \u062a\u0624\u0643\u062f \u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u064a\u0644\u063a\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u0648\u0647\u064a \u0639\u0644\u064a \u0623\u064a \u062d\u0627\u0644 \u0645\u0645\u0627\u0631\u0633\u0629 \u062a\u062d\u062a\u0627\u062c \u0627\u0644\u064a \u062c\u0647\u062f \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0648\u0639\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a.<\/p>\n<p>8. \u0646\u0638\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 (\u0627\u0644\u062a\u0642\u0648\u064a\u0645 \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631)<\/p>\n<p>\uf0a7\t\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0645\u0635\u062f\u0631 \u0645\u0639\u064a\u0634\u0629 \u0627\u0644\u0645\u0644\u0627\u064a\u064a\u0646 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\u060c \u0627\u0644\u0645\u0632\u0627\u0631\u0639).<br \/>\n\uf0fc\t\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0648\u062d\u064a\u062f \u0627\u0644\u0623\u0633\u0633 \u0648\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0641\u064a \u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0632\u0631\u0627\u0639\u064a\u0629.<br \/>\n\uf0fc\t\u0625\u0639\u062f\u0627\u062f \u0645\u0646\u0647\u062c \u0645\u062a\u062e\u0635\u0635 \u0644\u062a\u0639\u0644\u064a\u0645 \u0648\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u062e\u0631\u064a\u062c\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a\u064a\u0646 \u0643\u0645\u0642\u062f\u0631\u064a\u0646 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0627\u0644\u0632\u0631\u0627\u0639\u064a\u0629.<br \/>\n\uf0fc\t\u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0645\u062a\u0648\u0627\u0635\u0644 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\u0628\u064a\u0646 \u0627\u062a\u062d\u0627\u062f \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0647\u064a\u0626\u0629 \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<br \/>\n\uf0fc\t\u062a\u0641\u0639\u064a\u0644 \u0635\u0646\u062f\u0648\u0642 \u062f\u0631\u0621 \u0622\u062b\u0627\u0631 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0648\u0647\u0630\u0627 \u0639\u0628\u0621 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a\u0629 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629.<br \/>\n\uf0fc\t\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u0646\u0634\u0627\u0621 \u062c\u0633\u0645 \u0644\u0645\u0642\u062f\u0651\u0631\u064a \u0648\u0645\u0627\u0633\u062d\u064a \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0632\u0631\u0627\u0639\u064a.<\/p>\n<p>\u0627\u0644\u0645\u0631\u0627\u062c\u0639  References<br \/>\n\u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0627\u0644\u0639\u0631\u0628\u064a\u0629:-<br \/>\n1.\t\u0645\u0624\u062a\u0645\u0631 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0627\u0644\u0627\u0648\u0644 1994 \u0627\u0644\u062e\u0631\u0637\u0648\u0645 \u0634\u0631\u0643\u0629 \u0634\u064a\u0643\u0627\u0646 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u062f\u0648\u062f\u0629.<br \/>\n2.\t\u0639\u062b\u0645\u0627\u0646 \u0627\u0644\u0647\u0627\u062f\u064a \u0625\u0628\u0631\u0627\u0647\u064a\u0645 2003 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a.<br \/>\n3.\t\u0633\u0644\u064a\u0645\u0627\u0646 \u0633\u064a\u062f \u0623\u062d\u0645\u062f \u0627\u0644\u0633\u064a\u062f 2004 \u0646\u062d\u0648 \u062a\u0639\u0645\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646 .<br \/>\n4.\t\u0645\u0624\u062a\u0645\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a \u0627\u0644\u062b\u0627\u0646\u064a 2008 \u0627\u0644\u062e\u0631\u0637\u0648\u0645  \u0634\u0631\u0643\u0629 \u0634\u064a\u0643\u0627\u0646 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u062f\u0648\u062f\u0629.<br \/>\n5.\t\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a (2002-2008) \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062f\u0648\u0631\u064a\u0629.<br \/>\n\u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629:<br \/>\n6.\tGovernment of India (2004) Report on Joint Group on Crop Insurance, Ministry of Agriculture, New Delhi.<br \/>\n7.\tJerry Skees, Peter Hazell and Mario Miranda (1999), New Approaches to Crop yield Insurance in Developing Countries, EPTD Discussion paper No.55, IFPRI, Washington, D.C., U.S.A.<br \/>\n8.\tJennifer Ifft (2001) Government vs. weather-The true story of crop insurance in India, center for civil society research, internship paper.<br \/>\n9.\tKada, Ryohei and Rynichi Shigeno (1991)\/ Planning and practices of agricultural<br \/>\n10.\tInsurance- in report of the Asian productivity organsition, seminar, August, 1990 Tokyo, pp.35-55.<br \/>\n11.\tRisk Management Agency, USDAN, national crops insurance Services. inc@2006; www. ag.risk.org.<br \/>\n12.\tRoberts, R .A J,(2005), Insurance of Crop in Developing Countries . Bulletin No.159, FAO, Rome.<br \/>\n13.\tVyas V.S. and Surjit Singh (2006), Crop Insurance in India, EPW, Mumbai Nov.4, pp. 4585-4594.<br \/>\n14.\tWorld Bank (2005), Managing Agricultural production Risk: Innovations in Developing Countries, ARD, Washington, D.c.<br \/>\n15.\tInternational Workshop (2007), The effective Agricultural Insurance Schemes  For Sustainable Family Farming in Developing Countries, Kuala Lumpur, Malysia, 29 April6\u2013 May.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \u0645\u0642\u062f\u0645\u0629: \u062a\u062a\u0639\u0631\u0636 \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0625\u0644\u0649 \u0623\u062e\u0637\u0627\u0631 \u0645\u062a\u0646\u0648\u0639\u0629 \u0648\u0645\u0631\u0643\u0628\u0629 \u062a\u0633\u062a\u0635\u062d\u0628 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0623\u064a \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0630\u0627\u062a \u0642\u064a\u0645\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629. \u0648\u062a\u0635\u0646\u0641 \u0647\u0630\u0647 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0623\u0646\u0647\u0627 \u0643\u0627\u0631\u062b\u064a\u0629 \u0645\u062f\u0645\u0631\u0629 ( Catastrophic Risks) \u0648\u0627\u0644\u062a\u064a \u062a\u0628\u062a\u0639\u062f \u0639\u0646\u0647\u0627 \u0639\u0627\u062f\u0629 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0645\u0646 \u0623\u0647\u0645\u0647\u0627 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 (\u0641\u064a\u0632\u064a\u0627\u0626\u064a\u0629 \u0648\u0628\u064a\u0648\u0644\u0648\u062c\u064a\u0629) \u060c \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u060c \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u060c \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u060c \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u060c \u0627\u0644\u062a\u0644\u0648\u062b \u0627\u0644\u0643\u064a\u0645\u064a\u0627\u0626\u064a \u0648\u0627\u0644\u0627\u0634\u0639\u0627\u0639\u064a \u060c \u0647\u0630\u0627 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[91],"tags":[],"class_list":["post-22269","post","type-post","status-publish","format-standard","","category-91"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 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