Risk Shield & Resilience Test Performance of a Farm Manager. Parameters For Evaluation 7/14

Focus on one crop only, same planting time, no storage option. Like a family where all depend on a single salary—if job lost, crisis.

Grow 2–3 crops, but same sowing time, no staggering. Like a shop selling only ice-creams—all good in summer, zero in winter.

Diversify crops + stagger planting dates + short storage options. Like having salary + shop + piggy bank savings for emergencies.

Full hedging: multi-crop portfolio (veg + fruit + fodder), staggered sowings, plus cold storage/processing tie-ups to hold or add value. Like a family with job, shop, rent, AND FD—resilient to any downturn.

No system; sell to nearest trader at whatever price he says. Like pawning gold to the first jeweller.

Compare local mandis but no formal contracts. Like asking 2–3 jewellers before selling but still cash-only.

Use e-NAM, online price bulletins, and connect with exporters/processors. Like checking gold rates online before stepping out.

Lock-in floors with contracts or MSP-like mechanisms; sell only above minimum. Like booking gold at fixed price in advance so no shock later.

No risk assessment, react only when crisis comes. Like driving 200 km without spare tyre.

Identify risks vaguely (“pest aa sakta hai”) but no plan. Like knowing tyres can burst but carrying no tools.

Written risk register: crop, pest, labour, finance; with mitigation steps. Like carrying spare tyre and jack, with roadside helpline number.

Risk dashboards: probability × impact, mitigation, monitoring triggers. Like carrying spare tyre, insurance, GPS tracker, and emergency contacts on speed dial.

No strategies; depend fully on nature and market mood. Like leaving your umbrella at home during monsoon and hoping not to get wet.

Some measures (e.g., spraying when pests appear, small tank for water). Like carrying umbrella sometimes, forgetting most days.

Standard strategies: irrigation backup, IPM schedule, mandi + processor contacts. Like always carrying umbrella + checking forecast.

Advanced strategies: crop insurance + weather alerts, biocontrol + resistant varieties, cold storage + staggered sale contracts. Like having raincoat, umbrella, car, and weather app—all bases covered.

No insurance or contingency funds. Like driving without seatbelt or insurance—cheap until crash.

Insurance for big crops only, no contingency funds. Like insuring your car but keeping no money for small repairs.

Crop insurance + small contingency fund. Like insuring car + keeping ₹10,000 emergency cash.

Comprehensive package: multi-crop insurance, asset insurance, disaster fund, plus investor protection clause. Like having car insurance, health insurance, and roadside assistance—all bases covered.

Investor bears all shocks alone. Like travel agent saying “flight cancelled, your problem.”

Provide sympathy, but no financial cushion. Like saying “so sorry flight cancelled” but giving no refund.

Share responsibility: renegotiate returns, cut your own margin, extend timelines. Like airline giving partial refund or rebooking for free.

Full cushion: shock absorption fund, insurance, price-hedge mechanisms, transparent sharing of risks/benefits. Like airline giving full refund + free next ticket in crisis.