بررسی عوامل مؤثر بر توسعة بیمة گندم در شهرستان همدان

نوع مقاله : مقاله پژوهشی

نویسندگان

1 اعضای هیئت علمی گروه ترویج و آموزش کشاورزی، دانشگاه بوعلی سینا، همدان

2 دانشجوی سابق کارشناسی ارشد توسعة روستایی، دانشگاه بوعلی سینا

چکیده

بیمة محصولات کشاورزی به عنوان کارآمدترین ابزار حمایتی دولت بیشترین قابلیت‌ها را برای مقابله با خطرها دارد و یکی از مناسب‌ترین سازوکارها برای ایجاد امنیت سرمایه‌گذاری در بخش کشاورزی به شمار می‌رود. از این رو، در این پژوهش عوامل مؤثر بر توسعة بیمة گندم در شهرستان همدان بررسی شده است. پژوهش حاضر مبتنی بر روش توصیفی- همبستگی است و در قالب طرح‌های غیر آزمایشی طبقه‌بندی می‌شود. اطلاعات مورد نیاز تحقیق از گندم‌کاران بیمه‌شدة شهرستان همدان به کمک پرسشنامه جمع‌آوری شد. برای تعیین روایی ابزار سنجش تحقیق از نظرهای استادان و متخصصان دانشگاهی استفاده شد. ارزیابی پایایی پرسشنامه نیز در مرحلة پیش‌آزمون با تکمیل 30 پرسشنامه از جامعة آماری مطالعه‌شده صورت گرفت. به این ترتیب پایایی پرسشنامه با استفاده از آلفای کرونباخ 82/0 به دست آمد. در این تحقیق، گندم‌کاران بیمه‌شدة شهرستان همدان در سال زراعی 1388-1389 به عنوان جامعة آماری در نظر گرفته شده است. برای تعیین حجم نمونه، از فرمول کوکران استفاده شد و تعداد 225 نفر از گندم‌کاران بیمه‌شدة شهرستان همدان به صورت نمونه‌گیری نظام‌مند انتخاب شدند. یافته‌های تحقیق نشان داد که متغیرهای رضایت بیمه‌گزاران از نحوة ارائة خدمات توسط صندوق بیمة محصولات کشاورزی، آسان‌بودن پیگیری امور اداری بیمه، سطح زیر کشت، سرعت پرداخت غرامت، بدهی کشاورزان به بانک‌ها و دفعات تمدید قرارداد بیمه تأثیر معنی‌داری در توسعة بیمة گندم داشته‌اند. شش متغیر ذکرشده در مجموع 6/88 درصد تغییرات توسعة بیمة گندم را پیش‌بینی کردند؛ بنابراین یافته‌های این تحقیق راهکاری برای برنامه‌ریزان کشاورزی و صندوق بیمة محصولات کشاورزی به شمار می‌رود.

کلیدواژه‌ها

عنوان مقاله [English]

Factors affecting the development of wheat farming insurance in Hamedan County

نویسندگان [English]

  • Karim Naderi 1
  • Ahmad Yaghoubi Farani 1
  • Heshmatollah Saadi 1
  • Leila Zoleikhaei Sayar 2
1 Member of Science, Agricultural Extension and Education, BueAli Sina University, University of Hamedan, Iran
2 MSc. Student, Rural Development, Bue Ali Sina, University of Hamedan, Iran
چکیده [English]

Agricultural insurance is the most efficient tool for governmental supports to deal with hazards. Also, it has the highest capability to deal with hazards. Agricultural insurance can be one of the most appropriate mechanisms for investment security in agricultural sector. The main purpose of this study was analyzing factors affecting development of wheat insurance in Hamedan County. This study is based on a correlation-descriptive methodology. The data were collected by questionnaire from wheat farmers' insured. To determine the validity of the questionnaire, opinions of professors and specialists were used. Assessment of the questionnaire's reliability was done during a pre-test step by gathering data from 30 samples related to the population. Thus, reliability of the questionnaire was calculated using Cranach’s Alpha which was between 0.82. In this study, wheat farmers' insured were as the study population in the Hamadan County during 2010-2011 farming year. To determine the sample size, Cochrane formula was used and the number of 225 wheat farmers' insured of Hamedan County selected by systematic random sampling. Results show that positive relationship between the variables such as satisfied insurance makers from services by the Agricultural Insurance Fund (AIF), administrative affairs in insurance contracts, the entire cultivated surface, reparation rate and payments, to be owed to banks, and the frequency of extending insurance contractwith the variable development of wheat insurance. The six mentioned variables predict totally 88.6% of the wheat insurance development changes.Therefore, the findings of this study can be contributed agricultural planners and agricultural products insurance fund.

کلیدواژه‌ها [English]

  • Agricultural Risk
  • factors affecting
  • Insurance Development
  • Wheat insurance

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