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The study examines how gender-specific livestock insurance impacts risk management among women farmers in Tanzania.

March 6, 2026Open Access

Gender-Specific Livestock Insurance and Women Farmers in Tanzania: A Longitudinal Study on Risk Transfer Efficiency

Key Points

The study examines how gender-specific livestock insurance impacts risk management among women farmers in Tanzania.
Longitudinal study design with 120 female farmers
Utilized mixed-effect logistic regression to analyze insurance uptake
Assessed the prevalence of Trypanosomiasis among insured versus uninsured farmers
Women farmers with gender-specific insurance had lower cattle prevalence of Trypanosomiasis (p < 0.05)
Insurance improved risk transfer efficiency, reducing exposure to livestock losses
Findings suggest the importance of tailored insurance programs for women farmers

Abstract

Tanzania's agricultural sector is vulnerable to livestock diseases such as Trypanosomiasis, which disproportionately affects women farmers who often lack insurance coverage. A longitudinal study was conducted with 120 randomly selected female farmers, using mixed-effect logistic regression to analyse insurance uptake and coverage dynamics. The study found that women farmers who participated in the gender-specific insurance scheme had a lower prevalence of cattle affected by Trypanosomiasis compared to those not insured (p < 0. 05). Gender-specific livestock insurance significantly improved risk transfer efficiency for female farmers, reducing their exposure to herd losses due to disease. Policy makers should promote gender-sensitive agricultural insurance programmes that cater specifically to the needs of women farmers in Tanzania. The empirical specification follows Y=₀+^ X+, and inference is reported with uncertainty-aware statistical criteria.

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