عوامل بازدارنده گسترش بیمه گندم در شهرستان اسدآباد

نوع مقاله : مقاله پژوهشی

نویسندگان

1 کارشناس سازمان جهاد کشاورزی استان همدان

2 استادیار گروه ترویج و آموزش کشاورزی دانشگاه بوعلی سینا

3 دانشیار گروه ترویج و آموزش کشاورزی دانشگاه بوعلی سینا

چکیده

تحقیق حاضر با هدف بررسی موانع گسترش بیمه گندم در شهرستان اسدآباد اجرا شد. این تحقیق از لحاظ هدف کاربردی و به لحاظ روش گردآوری داده­ها توصیفی- همبستگی است. ابزار گردآوری داده­ها پرسشنامه­ای محقق ساخته است که ضریب پایایی آن 86/0 برآورد شد. جامعه آماری تحقیق شامل 3350 کشاورز گندمکار در سال زراعی 90-89 بود که 318 نفر از آن ها برای نمونه از طریق نمونه گیری تصادفی انتخاب شدند. تجزیه و تحلیل داده­های به دست آمده در دو بخش توصیفی و استنباطی و از طریق نرم افزار SPSS انجام پذیرفت. در این تحقیق ویژگی­های فردی، حرفه­ای، اجرایی و نهادی تأثیر گذار بر فرایند بیمه مورد بررسی و تحلیل قرار گرفت. آمار استنباطی مبتنی بر تحلیل عاملی، منتج به استخراج یازده عامل تاثیرگذار گردید. عوامل موثر به ترتیب اولویت عبارتند از: ضعف­های اجرایی، ضعف محیطی وابسته به اراضی، موانع فردی-دانشی، ناهماهنگی نهادی، کمبود نیروی انسانی-اطلاع رسانی، ضعف-های اداری-کارشناسی، ضعف­های ارزیابی-تدارکاتی، مشکلات مرتبط با پیگیری خسارت، نارضایتی، هزینه­های بیمه و برآورد غیر اصولی خسارت. مجموع یازده عامل استخراج شده معادل 17/53 درصد عوامل موثر را تبیین نمودند.

کلیدواژه‌ها


1-     Avtryl, Jean-Francois. (2002). Theoretical and practical aspects of insurance. Translated by Abdul Ali Hemmati and peasants. Central Insurance of Iran, Tehran. (In Farsi)
2-     Bakker, E.J.(1990). Demand for rainfall insurance in semi-arid tropics in India, Progress, Report of Economic Group, Resources Management Program“.101:51
3-     Delavar, A. (2001). theoretical and practical research in the humanities. Tehran: Publication editing. (In Farsi)
4-     Daryjany, A; Ghorbani, M. (1998) Factors affecting the adoption of crop insurance in the province. Proceedings of the Conference of Agricultural Economics. Faculty of Agriculture, Bu-Ali Sina University. Page 159-145. (In Farsi)
5-     Delavar, A. (2001) theoretical and practical research in the humanities. Tehran: Publication editing.
6-     Ertyaee, F. and Chyzari, M. (2006) Evaluation of agricultural extension experts about the insurance. Quarterly Farm Insurance and, third, No. 10, pp. 79-54.(In Farsi)
7-     Garrido, A. and Zilberman, D. (2008) Revisiting the demand for agricultural insurance: the case of Spain. Journal of Agricultural Finance Review. (68):43 – 66.  
8-     Gholamrezaiee, S. and Moradian, M. (2000) The problems of promoting a culture of cover crops in Iran. Proceedings of the National Conference of officials and experts in agricultural insurance, agricultural Bank Training Center (BABOLSAR), pp. 132-100. (In Farsi)
9-     Goodwin, B.K. and Smit, V.H. (1995) The Econimics of crop insurance and Disaster Aid, the AEI Press, Washington,P.C.
10- Hardaker, J.B.; Huirne, R.B.M.; Anderson, J.R.  and Lien, G. (2004) Coping with Risk in Agriculture. CABI Publishing is a division of CAB International. Available at: http://www. cabi-publishing.org.
11- Iravani, H. and darbanastaneh, A. (2001) Factors affecting the adoption of wheat insurance in Tehran. Extension and Education, Faculty of Agriculture, Tehran University. (In Farsi)
12- Iravani, H., Kalantari, KH; Movahedmohamadi, SH (2006) Factors affecting the adoption of wheat insurance Tafresh city. The Journal of Agricultural Science, 2-37, Issue 1, pp. 144-137. (In Farsi)
13- Karami, E. and Najafi, B. .(1996). Research design - index of agricultural extension". Studies and methods - extension, publisher of Tat, Tehran. (In Farsi)
14- Karami, E. Zamani, G. and Keshvarz, M. (2008). The determinants of ‌ Continue Crop Insurance. Journal of Agricultural and Development Economics, year XVI, No. 62, pp. 81-35. (In Farsi)
15- Karbasi, A and Kambozia, N. (2003). Factors affecting demand for agricultural insurance in Sistan and Baluchistan. Agricultural Economics and Development, Year XI, No. 41 and 42, pages 184-167. (In Farsi)
16- Mahmoudi, M, Farhadian, H. and Norozi, A. (2004). Strategy and its role in reducing risk of crop insurance, agricultural activities. Journal of Agricultural Insurance and the numbers 3-4. (In Farsi)
17- Mishra, P. K. (1999). Planning for the development and operation of agricultural insurance schemes in Asia. Report of the Apo Seminar on Agriculture Insurance Held in Manila, Philippines, 27-40.
18- Okorie,A. .(1989). Instituting agricultural insurance schemes in Nigeria: a mirage or reality. African Journal of Agricultural Sciences. 15(182):51-67.
19- Rahmani, M. (2000). process and its role in the development of agricultural insurance coverage information ‌ along with monitoring and evaluation. Agricultural Insurance Conference, ‌ venture capital development and security, the Agricultural Bank of Iran, Tehran, pp. 181-170. (In Farsi)
20- Ray, P.K.; Nimon (1967). Agricultural Insurance,Principles and organization and application to developing countries. FAO, Rome, Peramon Press:12-13.
21- Rostami, F.; Sha'banali  Fami H., Iravani, H. and Movahedmohamady, H. (2007). Factors Affecting the Adoption Case Study of Wheat Farmers Insurance Harsin Kermanshah city. Journal of Agricultural and Development Economics, year XV, No. 60, pp. 21-1. (In Farsi)
22- Sadjadi, F. (2000). Practical Ways ‌ agricultural insurance culture. Proceedings of the National Conference of officials and experts in agricultural insurance, agricultural Bank Training Center (BABOLSAR), pp. 191-182. (In Farsi)
23- Serao, J.R. (1986). Rate-Making and Farm Level Crop Insurance. American Journal of Agricultural Economics. 68:653-659.
24- Serra, T.; Goodwin, B. and Featherstone, A. (2003). Modeling changes in the U.S. Demand for crop insurance During the 1990s. American Agricultural Economics Association .
25- Smith, V. and Boqute, A. E. (1996). The demand for multiple peril crop insurance, evidence from  Montana wheat farmers. American Journal of Agricultural Economics, 78:189-509.
26- Torkamany, J. (1999) Performance Evaluation of Crop Insurance. Proceedings of the wheat economy, from production to consumption. Program Planning and Research Institute of Agricultural Economics Publications, Tehran. Page 216-193. (In Farsi)
27- Torkamany, J. (2005). Assessing the role of insurance in reducing income inequality, exploitation and factors affecting demand for agricultural insurance: A Case Study. Journal of agricultural insurance, issue 5-6, pp. 17-37. (In Farsi)
28- Tyraee yari, N. (2002). Personality Factors affecting the adoption of modernism design by using ‌ insured farmers agricultural province. A graduate of Agricultural Extension and Education Department, Tarbiat Modarres University, Tehran University. (In Farsi)
29- Walker, T.S. and Jodha N.S. (1986). How small farm households, adapt to risk. Issus and Experience, John Hopkins University Press, Baltimore.
Zoleykhaee sayyar, L and Naderi mahdeyi, K. (2011). Performance evaluation of crop insurance in the province. Proceedings of the National Conference on sustainable rural development with emphasis on agriculture. University Bu. Hamedan 1390.(In Farsi)