Browsing by Author "Haruna Mohammed"

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    “Estimating Rural Farming Communities’ Willingness-to-Pay for Health Insurance Programme of Children under Five Years
    (Faculty of Management and Social Sciences, Kwara State University, Malete, Nigeria, 2024-07-28) Shehu Usman Adam; Haruna Mohammed; Fatai Akosile
    The death rate of children under-five from preventable and treatable diseases is said to be disproportionately high in rural agrarian communities. Meanwhile, health insurance is not accessible to such rural population, increasing out-of-pocket medical expenses in such communities. Surprisingly, the literature remains sparse on getting alternative ways for such communities to finance their health expenditure. This paper examines the rural households’ willingness-to-pay for health programme of children under five years old in Gujba local government. Data were analysed using contingent valuation method and the result shows that 60% of the households spent less than ₦1,600 per month in medical expenditure on their children. Meanwhile, sizeable number of the farming households (45.2%) earned an annual farm income of ₦800,000 - ₦1,000,000. The analysis shows that the respondents are willing to pay ₦8,438 for health progamme to ensure their children have access to health programme. The study also found that the offered insurance premium, income, service satisfaction and numbers of under five children in the household have significant effect on willingness-to-pay (WTP) while marital status, gender, age and education had no statistically significant effect on the WTP. The study concludes that having health programme for children in Gujba local government area of Yobe State is feasible since rural farming communities are willing to pay positive price (insurance premium) if the service is made available.