{
  "name": "african-crop-insurance-payouts",
  "description": "Synthetic dataset of agricultural index-insurance payouts across 12 Sub-Saharan African countries. Parameters calibrated from IBLI (Kenya/Ethiopia), WFP R4, and ACRE Africa programs.",
  "version": "1.0.0",
  "created": "2026-03-21T00:31:40.633780Z",
  "license": "CC-BY-4.0",
  "scenarios": {
    "baseline": "Current-state parameters based on existing IBLI/R4/ACRE programs",
    "expanded_index_insurance": "Scaled enrollment via subsidy and mobile distribution (ACRE model)",
    "climate_shock": "Increased drought frequency reflecting IPCC AR6 projections for SSA"
  },
  "countries": [
    "Kenya",
    "Ethiopia",
    "Tanzania",
    "Malawi",
    "Zambia",
    "Zimbabwe",
    "Mozambique",
    "Senegal",
    "Ghana",
    "Nigeria",
    "Rwanda",
    "Uganda"
  ],
  "crop_types": [
    "maize",
    "wheat",
    "sorghum",
    "rice",
    "cassava"
  ],
  "insurance_types": [
    "index_based",
    "area_yield",
    "weather_derivative"
  ],
  "seasons": [
    "long_rains",
    "short_rains"
  ],
  "sources": [
    "Jensen & Barrett (2016) AJAE - IBLI basis risk analysis",
    "WFP R4 Rural Resilience Initiative reports (2018-2023)",
    "ACRE Africa scaling data (GIIF 2016, IFC 2014)",
    "Ntukamazina et al. (2017) J. Agr. Rural Develop. Trop. Subtrop.",
    "IPCC AR6 WGII Chapter 9 - Africa climate projections"
  ],
  "variables": {
    "record_id": "Unique integer identifier",
    "country": "Country name",
    "year": "Calendar year (2015-2024)",
    "season": "Growing season (long_rains / short_rains)",
    "crop_type": "Insured crop (maize/wheat/sorghum/rice/cassava)",
    "insurance_type": "Product type (index_based/area_yield/weather_derivative)",
    "scenario": "Policy scenario (baseline/expanded_index_insurance/climate_shock)",
    "enrolled_hectares": "Hectares covered by the policy",
    "premium_paid_usd": "Premium amount in USD",
    "ndvi_anomaly": "NDVI z-score anomaly (negative = vegetation deficit)",
    "rainfall_deficit_pct": "Percentage below normal rainfall",
    "yield_loss_pct": "Estimated yield loss percentage",
    "payout_triggered": "Whether index triggered a payout (True/False)",
    "payout_amount_usd": "Payout disbursement in USD (0 if not triggered)",
    "payout_ratio": "Payout as fraction of insured value",
    "farmer_count": "Number of farmers in the micro-cohort",
    "enrollment_rate": "Regional enrollment rate (0-1)",
    "lapse_rate": "Policy non-renewal rate (0-1)",
    "basis_risk_score": "Residual unhedged risk (0=perfect, 1=none)"
  },
  "parameter_sources": {
    "premium_rates": "IBLI: 5.5%/3.25% of insured value; R4: 10-15% farmer contribution",
    "payout_trigger": "IBLI: NDVI < 15th percentile; ACRE: yield < 80% of average",
    "basis_risk": "Jensen et al. 2016: IBLI reduces covariate risk by 63%, residual 69%",
    "enrollment": "R4: ~180K farmers (2020); ACRE: ~400K farmers (2015)",
    "sum_insured": "R4: ~$98/farmer; ACRE: $650/acre for bundled seed products"
  }
}