Investigating the feasibility of using remote sensing in index-based crop insurance for South Africa’s smallholder farming systems
- Masiza, Wonga https://orcid.org/0000-0002-6224-3812
- Authors: Masiza, Wonga https://orcid.org/0000-0002-6224-3812
- Date: 2021-10
- Subjects: Precision farming , Agricultural engineering , Climatic changes
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/23000 , vital:54890
- Description: Crop farming in Sub-Saharan Africa (SSA) is largely practiced by resource-poor farmers under rain-fed and unpredictable weather conditions. Since agriculture is the mainstay of SSA’s economy, the lack of improved and adapted agricultural technologies in this region sets back economic development and the fight against poverty. Overcoming this constraint and achieving the sustainable development goal to end poverty, requires innovative tools that can be used for weather risk management. One tool that has been gaining momentum recently is index-based crop insurance (IBCI). Since the launch of the first IBCI program in Africa around 2005, the number of IBCI programs has increased. Unfortunately, these programs are constrained by poor product design, basis risk, and low uptake of contracts. When these issues were first pointed-out in the earliest IBCI programs, many reports suggested satellite remote sensing (RS) as a viable solution. Hence, the first objective of this study was to assess how RS has been used in IBCI, the challenges RS faces, and potential contributions of RS that have not yet been meaningfully exploited. The literature shows that IBCI programs are increasingly adopting RS. RS has improved demarcation of unit areas of insurance and enabled IBCI to reach inaccessible areas that do not have sufficient meteorological infrastructure. However, the literature also shows that IBCI is still tainted by basis risk, which emanates from poor contract designs, the influence of non-weather factors on crop yields, imperfect correlations between satellite-based indices and crop yields, and the lack of historical data for calibration. Although IBCI reports cover vegetation and crop health monitoring, few to none cover crop type and crop area mapping. Furthermore, areas including high-resolution mapping, data fusion, microwave RS, machine learning, and computer vision have not been sufficiently tested in IBCI. The second objective of this study was to assess how RS and machine learning techniques can be used to enhance the mapping of smallholder crop farming landscapes. The findings show that machine learning ensembles and the combination of optical and microwave data can map a smallholder farming landscape with a maximum accuracy of 97.71 percent. The third objective was to identify factors that influence crop yields and crop losses in order to improve IBCI design. Results demonstrated that the pervasive notion that low yields in smallholder farms are related to rainfall is an oversimplification. Factors including fertilizer use, seed variety, soil properties, soil moisture, growing degree-days, management, and socioeconomic conditions are some of the most important factors influencing crop yields and crop losses in smallholder farming systems. This shows why IBCI needs to be part of a comprehensive risk management system that understands and approaches smallholder crop farming as complex by linking insurance with advisories and input supplies. Improved inputs and good farming practices could reduce the influence of non-weather factors on crop losses, and thereby reduce basis risk in weather-based index insurance (WII) contracts. The fourth objective of this study was to assess how well the combination of synthetic aperture radar (SAR) and optical indices estimate soil moisture. As stated earlier, soil moisture was found to be one of the most important factors affecting crop yields. Although this method better estimated soil moisture over the first half of the growing season, estimation accuracies were comparable to those found in studies that had used similar datasets (RMSE = 0.043 m3 m-3, MAE = 0.034 m3 m- 3). Further interrogation of interaction effects between the variables used in this study and consideration of other factors that affect SAR backscatter could improve the method. More importantly, incorporating high-resolution satellite-based monitoring of soil moisture into IBCI could potentially reduce basis risk. The fifth objective of this study was to develop an IBCI for smallholder crop farming systems. The proposed IBCI scheme covers maize and derives index thresholds from crop water requirements and satellite-based rainfall estimates. It covers rainfall deficits over the vegetative, mid-season, and late-season stages of maize growth. The key contribution of this system is the derivation of index thresholds from CWR and site-specific rainfall conditions. The widely used approach, which calibrates IBCI by correlating yields and rainfall, exposes contracts to basis risk because, by simply correlating yield and rainfall data, it overlooks the influence of non-weather factors on crop yields and losses. The proposed system must be linked or bundled with non-weather variables that affect crop yields. Effectively, this means that the insurance must be linked or bundled with advisories and input supplies to address the influence of non-weather factors on crop losses. This system also incorporates a crop area-mapping component, which was found to be lacking in many IBCI systems. In conclusion, an IBCI that is based on crop water requirements, which incorporates crop area mapping and links insurance with non-weather crop yield-determining factors, is potentially capable of improving crop insurance for smallholder farming systems. , Thesis (PhD) -- Faculty of Science and Agriculture, 2021
- Full Text:
- Date Issued: 2021-10
- Authors: Masiza, Wonga https://orcid.org/0000-0002-6224-3812
- Date: 2021-10
- Subjects: Precision farming , Agricultural engineering , Climatic changes
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/23000 , vital:54890
- Description: Crop farming in Sub-Saharan Africa (SSA) is largely practiced by resource-poor farmers under rain-fed and unpredictable weather conditions. Since agriculture is the mainstay of SSA’s economy, the lack of improved and adapted agricultural technologies in this region sets back economic development and the fight against poverty. Overcoming this constraint and achieving the sustainable development goal to end poverty, requires innovative tools that can be used for weather risk management. One tool that has been gaining momentum recently is index-based crop insurance (IBCI). Since the launch of the first IBCI program in Africa around 2005, the number of IBCI programs has increased. Unfortunately, these programs are constrained by poor product design, basis risk, and low uptake of contracts. When these issues were first pointed-out in the earliest IBCI programs, many reports suggested satellite remote sensing (RS) as a viable solution. Hence, the first objective of this study was to assess how RS has been used in IBCI, the challenges RS faces, and potential contributions of RS that have not yet been meaningfully exploited. The literature shows that IBCI programs are increasingly adopting RS. RS has improved demarcation of unit areas of insurance and enabled IBCI to reach inaccessible areas that do not have sufficient meteorological infrastructure. However, the literature also shows that IBCI is still tainted by basis risk, which emanates from poor contract designs, the influence of non-weather factors on crop yields, imperfect correlations between satellite-based indices and crop yields, and the lack of historical data for calibration. Although IBCI reports cover vegetation and crop health monitoring, few to none cover crop type and crop area mapping. Furthermore, areas including high-resolution mapping, data fusion, microwave RS, machine learning, and computer vision have not been sufficiently tested in IBCI. The second objective of this study was to assess how RS and machine learning techniques can be used to enhance the mapping of smallholder crop farming landscapes. The findings show that machine learning ensembles and the combination of optical and microwave data can map a smallholder farming landscape with a maximum accuracy of 97.71 percent. The third objective was to identify factors that influence crop yields and crop losses in order to improve IBCI design. Results demonstrated that the pervasive notion that low yields in smallholder farms are related to rainfall is an oversimplification. Factors including fertilizer use, seed variety, soil properties, soil moisture, growing degree-days, management, and socioeconomic conditions are some of the most important factors influencing crop yields and crop losses in smallholder farming systems. This shows why IBCI needs to be part of a comprehensive risk management system that understands and approaches smallholder crop farming as complex by linking insurance with advisories and input supplies. Improved inputs and good farming practices could reduce the influence of non-weather factors on crop losses, and thereby reduce basis risk in weather-based index insurance (WII) contracts. The fourth objective of this study was to assess how well the combination of synthetic aperture radar (SAR) and optical indices estimate soil moisture. As stated earlier, soil moisture was found to be one of the most important factors affecting crop yields. Although this method better estimated soil moisture over the first half of the growing season, estimation accuracies were comparable to those found in studies that had used similar datasets (RMSE = 0.043 m3 m-3, MAE = 0.034 m3 m- 3). Further interrogation of interaction effects between the variables used in this study and consideration of other factors that affect SAR backscatter could improve the method. More importantly, incorporating high-resolution satellite-based monitoring of soil moisture into IBCI could potentially reduce basis risk. The fifth objective of this study was to develop an IBCI for smallholder crop farming systems. The proposed IBCI scheme covers maize and derives index thresholds from crop water requirements and satellite-based rainfall estimates. It covers rainfall deficits over the vegetative, mid-season, and late-season stages of maize growth. The key contribution of this system is the derivation of index thresholds from CWR and site-specific rainfall conditions. The widely used approach, which calibrates IBCI by correlating yields and rainfall, exposes contracts to basis risk because, by simply correlating yield and rainfall data, it overlooks the influence of non-weather factors on crop yields and losses. The proposed system must be linked or bundled with non-weather variables that affect crop yields. Effectively, this means that the insurance must be linked or bundled with advisories and input supplies to address the influence of non-weather factors on crop losses. This system also incorporates a crop area-mapping component, which was found to be lacking in many IBCI systems. In conclusion, an IBCI that is based on crop water requirements, which incorporates crop area mapping and links insurance with non-weather crop yield-determining factors, is potentially capable of improving crop insurance for smallholder farming systems. , Thesis (PhD) -- Faculty of Science and Agriculture, 2021
- Full Text:
- Date Issued: 2021-10
Mobile phone banking: a comparative analysis of e-service quality and customer loyalty
- Chigori, Darlington Tawanda https://orcid.org/0000-0001-6284-1970
- Authors: Chigori, Darlington Tawanda https://orcid.org/0000-0001-6284-1970
- Date: 2017-06
- Subjects: Electronic commerce , Banks and banking, Mobile
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/${Handle} , vital:39077
- Description: Mobile phone banking optimisation around the world is becoming more significant. Banks are investing heavily to improve service quality of both mobile phone banking applications and Unstructured Supplementary Service Data (USSD) banking in a bid to retain existing customers and win new ones. The majority of studies focusing on mobile phone banking have related to adoption and the validation of theories and factors affecting mobile phone banking. This study focused on contrasting the two categories of mobile phone banking, specifically mobile banking applications and USSD banking. This comparison is drawn in terms of e-service quality of these modes of banking and their resultant effects on customer loyalty. To validate and determine the nature of the relationships in the proposed model, the study examined e-service quality in terms of efficiency, fulfilment, privacy and systems availability as well as the overall influence of service quality on customer loyalty with respect to the two types of mobile banking. The positivistic paradigm was employed and thus, due to the scope of data and nature of the study, the quantitative approach was considered as the most appropriate approach. Previously used reliable and valid scales were adapted through a self-administered survey questionnaire. The results from a total number of 218 students at the University of Fort Hare (UFH) were analysed through Pearson correlation analysis, multiple regression analysis and Smart Partial Least Squares structural equation models (PLS-SEM). Based on the findings, various recommendations and implications were suggested to banks, practitioners and academics. The findings indicated that fulfilment, privacy and efficiency were all significantly related to overall service quality and customer loyalty. Systems availability was not significantly related to overall service quality and customer loyalty. The findings showed that privacy, fulfilment and efficiency are critical to both mobile banking applications (MB App) and USSD/cellphone banking. , Thesis (MCom) -- Faculty of Social Sciences and Humanities, 2017
- Full Text:
- Date Issued: 2017-06
- Authors: Chigori, Darlington Tawanda https://orcid.org/0000-0001-6284-1970
- Date: 2017-06
- Subjects: Electronic commerce , Banks and banking, Mobile
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/${Handle} , vital:39077
- Description: Mobile phone banking optimisation around the world is becoming more significant. Banks are investing heavily to improve service quality of both mobile phone banking applications and Unstructured Supplementary Service Data (USSD) banking in a bid to retain existing customers and win new ones. The majority of studies focusing on mobile phone banking have related to adoption and the validation of theories and factors affecting mobile phone banking. This study focused on contrasting the two categories of mobile phone banking, specifically mobile banking applications and USSD banking. This comparison is drawn in terms of e-service quality of these modes of banking and their resultant effects on customer loyalty. To validate and determine the nature of the relationships in the proposed model, the study examined e-service quality in terms of efficiency, fulfilment, privacy and systems availability as well as the overall influence of service quality on customer loyalty with respect to the two types of mobile banking. The positivistic paradigm was employed and thus, due to the scope of data and nature of the study, the quantitative approach was considered as the most appropriate approach. Previously used reliable and valid scales were adapted through a self-administered survey questionnaire. The results from a total number of 218 students at the University of Fort Hare (UFH) were analysed through Pearson correlation analysis, multiple regression analysis and Smart Partial Least Squares structural equation models (PLS-SEM). Based on the findings, various recommendations and implications were suggested to banks, practitioners and academics. The findings indicated that fulfilment, privacy and efficiency were all significantly related to overall service quality and customer loyalty. Systems availability was not significantly related to overall service quality and customer loyalty. The findings showed that privacy, fulfilment and efficiency are critical to both mobile banking applications (MB App) and USSD/cellphone banking. , Thesis (MCom) -- Faculty of Social Sciences and Humanities, 2017
- Full Text:
- Date Issued: 2017-06
Concerning care in the context of the nursing profession: a phenomenological investigation
- O’Donnell, Neal Garth Mandy https://orcid.org/0000-0003-3534-6522
- Authors: O’Donnell, Neal Garth Mandy https://orcid.org/0000-0003-3534-6522
- Date: 2015-06
- Subjects: Nursing
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/26638 , vital:65684
- Description: This dissertation is concerned with the phenomenological question of lack of care in the face of Martin Heidegger’s placing care as a base for being. More specifically with the question: How is Heidegger’s ontological notion of care to be understood from within the contexts of healthcare, in general, and nursing in particular. Furthermore, deep within this notion of care there is always the option to not care which, although care is always contained in the various modes of Heidegger's Dasein, can be a contemporary enigma demanding investigation. In approaching the interpretation of what it is to care, the question will be confronted on three fronts a to interrogate, in the context of healthcare, Heidegger’s conception of the phenomenological situation of care in his writings up to and including his Being and Time; b then to delve into the phenomenon of lack of care that seems to have appeared in the provision of healthcare in recent times; and, in an attempt to explain this lack, c to expand on Heidegger’s early conception of care more broadly out into the world by postulating a diachronic emphasis by introducing elements from the developmental psychology of Erik Erikson. It is argued that this is necessary in order to begin to understand provenance of the notion of lack of care within the sphere of healthcare. As nursing is considered an epitome of caring, the profession will be used as a vehicle to illustrate the phenomenon of lack of care and how this is possible when care is the basis of Being in the world. Thus the final section will bring out through the lens of lack of care the predicates of caring as they apply to the healthcare professions, and, just as importantly, other areas of human endeavour, for that matter. Thes predicates, it is postulated, are an accretion of five elements: development of the care-of, assumption of some level of authority, introduction of curiosity into the engagement with the world of people and things, an understanding of the role of empathy, and, finally, advocacy in the face of disturbance. It is further postulated that none of these predicates are a given, that, in an enabling environment, they unfold out of each other to create a caring person. , Thesis (MSoc) -- Faculty of Social Sciences and Humanities, 2015
- Full Text:
- Date Issued: 2015-06
- Authors: O’Donnell, Neal Garth Mandy https://orcid.org/0000-0003-3534-6522
- Date: 2015-06
- Subjects: Nursing
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/26638 , vital:65684
- Description: This dissertation is concerned with the phenomenological question of lack of care in the face of Martin Heidegger’s placing care as a base for being. More specifically with the question: How is Heidegger’s ontological notion of care to be understood from within the contexts of healthcare, in general, and nursing in particular. Furthermore, deep within this notion of care there is always the option to not care which, although care is always contained in the various modes of Heidegger's Dasein, can be a contemporary enigma demanding investigation. In approaching the interpretation of what it is to care, the question will be confronted on three fronts a to interrogate, in the context of healthcare, Heidegger’s conception of the phenomenological situation of care in his writings up to and including his Being and Time; b then to delve into the phenomenon of lack of care that seems to have appeared in the provision of healthcare in recent times; and, in an attempt to explain this lack, c to expand on Heidegger’s early conception of care more broadly out into the world by postulating a diachronic emphasis by introducing elements from the developmental psychology of Erik Erikson. It is argued that this is necessary in order to begin to understand provenance of the notion of lack of care within the sphere of healthcare. As nursing is considered an epitome of caring, the profession will be used as a vehicle to illustrate the phenomenon of lack of care and how this is possible when care is the basis of Being in the world. Thus the final section will bring out through the lens of lack of care the predicates of caring as they apply to the healthcare professions, and, just as importantly, other areas of human endeavour, for that matter. Thes predicates, it is postulated, are an accretion of five elements: development of the care-of, assumption of some level of authority, introduction of curiosity into the engagement with the world of people and things, an understanding of the role of empathy, and, finally, advocacy in the face of disturbance. It is further postulated that none of these predicates are a given, that, in an enabling environment, they unfold out of each other to create a caring person. , Thesis (MSoc) -- Faculty of Social Sciences and Humanities, 2015
- Full Text:
- Date Issued: 2015-06
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