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.

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