Impact of Livestock Insurance Schemes on Smallholder Farmers’ Resilience to Climate Change in Sub-Saharan Africa

Purpose: This study sought to investigate the impact of livestock insurance schemes on smallholder farmers’ resilience to climate change in Saharan Africa. Methodology: The study adopted a desktop research methodology. Desk research refers to secondary data or that which can be collected without fieldwork. Desk research is basically involved in collecting data from existing resources hence it is often considered a low cost technique as compared to field research, as the main cost is involved in executive’s time, telephone charges and directories. Thus, the study relied on already published studies, reports and statistics. This secondary data was easily accessed through the online journals and library. Findings: The findings reveal that there exists a contextual and methodological gap relating to the impact of livestock insurance schemes on smallholder farmers’ resilience to climate change in Saharan Africa. Preliminary empirical review revealed that livestock insurance schemes significantly enhanced the resilience of smallholder farmers to climate change in Sub-Saharan Africa by providing financial protection against climate-induced livestock losses, maintaining livestock assets, and stabilizing household incomes during climatic shocks. However, barriers such as high premium costs, limited awareness, and distrust in insurance providers hindered widespread adoption. Recommendations included premium subsidies, extensive education programs, and improved transparency to increase uptake. Integrating insurance with broader risk management strategies was also emphasized to maximize resilience benefits. Unique Contribution to Theory, Practice and Policy: The Theory of Planned Behaviour (TPB), Protection Motivation Theory (PMT) and Resource Dependence Theory (RDT) may be used to anchor future studies on livestock insurance schemes on smallholder farmers’ resilience to climate change. The study recommended integrating socio-economic factors into theoretical frameworks, enhancing practical training and capacity-building for farmers, and creating supportive regulatory policies to improve the adoption of livestock insurance schemes. It emphasized the importance of integrating insurance with broader risk management strategies, leveraging technological innovations to enhance accessibility, and conducting continuous monitoring and evaluation to ensure the schemes' effectiveness. These recommendations aimed to enhance smallholder farmers' resilience to climate change, maximize the benefits of livestock insurance, and ensure sustainable agricultural development in Sub-Saharan Africa. Keywords: Livestock Insurance Schemes, Smallholder Farmers, Resilience, Climate Change, Sub-Saharan Africa, Index-Based Livestock Insurance (IBLI)