بررسی عوامل مؤثر بر هزینه مبادله و تقاضای بیمه محصول گندم، جو و سیب زمینی در استان همدان

نوع مقاله: مقاله پژوهشی

نویسندگان

1 دانشیار گروه اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه بوعلی سینا، همدان، ایران

2 استادیار اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه سید جمال الدین اسدآبادی، همدان، ایران

3 کارشناس ارشد گروه اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه بوعلی سینا، همدان، ایران

چکیده

بیمه محصولات کشاورزی ساز و کاری مالی بشمار می آید که هدف آن حداقل کردن بی ثباتی ناشی از خسارات حاصل از عوامل گوناگون و نامشخص در بخش کشاورزی است. بالا بودن هزینه مبادله بیمه محصولات کشاورزی باعث کاهش گرایش و پذیرش بیمه توسط کشاورزان می گردد. هدف این پژوهش، اندازه گیری هزینه مبادله و عوامل مؤثر بر آن و برآورد تقاضای بیمه محصولات کشاورزی در استان همدان است. داده­های استفاده شده در این پژوهش از نوع داده­های مقطعی می­باشند که در 245 پرسشنامه و در سال زراعی 93-94 به طور تصادفی از بین کشاورزان جمع‌آوری گردید. به منظور برآورد عوامل مؤثر بر هزینه مبادله از روش خطی و برآورد عوامل مؤثر در بیمه محصولات کشاورزی احتمال آن­ها توسط الگوی لاجیت و در نرم افزار Eviews برآورد گردید. نتایج نشان داد هزینه بالای مبادله بیمه محصولات کشاورزی 25 الی 30 درصد از هزینه کل بیمه را شامل شده که منجر به کاهش بیمه‌پذیری افراد می­گردد. همچنین سطح تحصیلات، شیوه کشت و خسارت دریافتی، اثر مثبت و معنی‌داری بر هزینه مبادله داشته است. کشش تحصیلات تقاضای بیمه، 86/0 است. سطح زیر کشت و هزینه مبادله، اثر منفی بر تمایل کشاورزان به بیمه‌کردن محصول دارد و با یک واحد افزایش در سطح زیر کشت، تقاضای بیمه 34/0- واحد کاهش می­یابد.

کلیدواژه‌ها


  1. Adams, D.W., & Nehman, G.I. (1978) “Borrowing Costs and Demand for Rural Credit.” The Journal of Development Studies, 15(1), 165-176.
  2. Adams, D.W. (1982) “Physical Examinations for Rural Financial Markets in Low Income Countries.” Meyer’s memorial Lecture, the Ohio State University.
  3. Adams D.W. (1995). Transaction costs in decentralized rural financial markets. In Umali-Deininger D. and C. Maguire (eds.): Agriculture in Liberalizing Economies: Changing Roles for Governments. 249-65. Washington, D.C.: World Bank

4. Ahmadi Kliji, S., Darijani, A.,(2012). Estimated transaction costs Receiving official facilities by farmers, Case of Golestan Province. Journal of Agricultural Economics, 6(2). P: 83-100.

  1. Bagheri, M., Moazzezi, F.(2002). Analyzing factors affecting on farmers satisfaction of agricultural crops insurance, Journal of Insurance & agriculture, 5(18), P: 99-120.
  2. Baker, E.J.(1990). Demand for rainfall insurance in the semi-arid in India. Resource Management Program. 4: 101-151.
  3. Bhatt, V.V. (1988) “On Financial Innovations and Credit Market Evolution.” World Development, 16(2), 281-292.
  4. Ferdosi, R., (1994). Assessment of Insurance Rule in Agricultural Production. Case study of Cotton. MSC Thesis, Tarbiat Modares University, Department of Agriculture, Tehran.(in Persian).
  5. Geoffrey, R.D. (2009) "Financial Market Liberalisation, Institutions, and Transaction Costs: Endogeneity of Financial Governance, Policy Rent-Seeking, and the Causes of the Crisis". Underhill, Amsterdam School for Social Science Research Universiteit van Amsterdam.

10. Ghorbani, M. (1997) "Performance granting loans to farmers: the hidden costs of loans. Jihad magazine, numbers (3-202): 56-50. (In Farsi).

11. Ghorbani, M. Karbassi, a., & Qaderi, z. (2000) "Evaluation of Factors Affecting the Adoption insurance of agricultural products". Summary of the Third Conference of Agricultural Economics Iran, Ferdowsi University of Mashhad, 127-137. (In Farsi).

12. Hojjati, B., & Bockstael, N. E. (1988) Modeling the demand for crop insurance. Multiple peril crop insurance: A collection of empirical studies. H. Mapp (Ed). Southern Cooperative Series Bulletin, No. 334, 76-153.

13. Hosseini, S.S., & Khaledi, M. (2005) "Evaluation of transaction costs of providing agricultural credit in Iran Case Study: Rice Producers Mazandaran province," Journal of Food Science and Technology Iran, 57. (In Farsi).

14. Hosseini, S.S., Khaledi, M, Ghorbani, M., & Hassanpour, A. (2009) "Study of transaction costs the bank facilities of agriculture in rural areas." Journal of Agricultural Economics and Development, Volume 23, p. 45-36. (In Farsi).

  1. Hosseini, S.S., Ghorbani, M., & Khaledi, M (2011) "Evaluating the effect of exchange costs on farmers' access to the formal market of credits in Iran". Journal of Agricultural Economics and Development, Volume 70, p. 39-54. (In Farsi).

16. Information Center Statistical Center of Iran, the results of the general Population and Housing Census (2011). Publication of results of the census of Statistical Center of Iran – Retrieved from http://amar.org.ir.

17. Jaberi, A. (1999). Assessment of Participation Limitative Factors in Agricultursl Product Insurance. 2th Global Conference of Responsibles and Experts of Agricultural Product Insurance Found. Education Center of Agricultural Bank. Babolsar.(in Persian).

18. Key, N., E. Sadoulet, & A. de Janvry. (2000), Transactions Costs and Agricultural Household Supply Response. American Journal of Agricultural Economics, 82, 245-259.

19. Khaledi, M., Hosseini, S.S., & Gray, R. (2007). The transaction costs of obtaining credit from Islamic banks in Iran. International Conference on Islamic Finance. (In Farsi).

20. Lee,Y.K.(1982). Considerations in the Introduction of Crop Insurance to Rice Sector in Korea. Michigan State University.

21. Maddala, G. S. (1992). Limited-Dependent and Qualitative Variables in Econometrics. Econometric Society Monograph No. 3, Cambridge University Press., UK.

22. Mocan. H. N, Tekin. E and Zax. J. S (2004) "The Demand for Medical Care in Urban China", World Development, 32 (2), 289-304.

  1. Mohaghegh Nia, M. J., akbari Bavafa, A.,(2016). Identifying the factors affecting microfinance in Iran. Journal of Pajoheshnameh Eghtesadi, 65: 199-222.
  2. Mohammad Rezaei, R,. Mahjoori, K., Kavoosi Kalashemi, M., Ataei Saloot, K.(2011).  Determining the factors influencing the demand for insurance of citrus gardeners of Babol. Journal of Agricultural Economics Research. 3(4).P: 65-79.

25. Momeni, F., Ramezanzadeh, G.,(2013). Institutional innovations that reduce transaction costs and economic costs in Iran. Jpurnal of Pajoheshname Eghtesadi. 14(54). P1-32.

26. North, D.C. (1992) “Transactions cost, Institutional and Economic Performance.” ICEG Occasional Papers No. 30. International Centre for Economic Growth.

27. North, D. (1993) "administration and transaction costs of renovation." Translated by Ali Tusi Ardakani, Planning and Development, 2(8), 136-117.

  1. Ray, PK (1967), Agricultural insurance, principle and organization and application to developing countries, FAO, Rome, Peramon Prees, P-P. 12.3.

29. Rashidi, D. (1996) "Estimating the cost of the Agricultural Bank credit facilities from the customer perspective." After receiving a master's degree in the field of banking management, banking institution Iran's central bank. (In Farsi).

30. Renani, M. (1996) "barriers to market efficiency in the Iranian economy." Finally, a Doctor of Economics, Faculty of Economics of Tehran University. (In Farsi).

31. Renani, M. (1997) "market or Lack of market." Press the PBO. (In Farsi).

32. Rweyemamu, D.C., Kimaro, M.P., & Urassa O.M. (2003) “Assessing micro-finance services in agricultural sector development: a case study of semi-formal financial institutions in Tanzania.” Economic and Social Research Foundation.

33. Sadr, SA.K., & A. Arabmazar (1994) "Increasing efficiency in the supply of funds, banking services, Agricultural Bank." Summary of research projects Agricultural Bank, Agricultural Bank research and development center.

34. Tak. H. J (2006), The Effects of Time Cost on Medical Care Demand", Harris School of Public Policy Studies, University of Chicago.

35. Williams, J. R., G. L. Carriker., G. A. Bamaby, And G. K. Harper(1993). Crop Insurance and Disaster Assistant Design for Wheat and Grain Sorghum. American Journal of Agr.Econ. 75: 435-447.

Williamson, O. E.; "The Limits of the Firms: Incentive and Bureaucratic Features"; in Williamson, O.E. (Ed.) "The Economic Institutions of Capitalism", Ch. 6, New York: Free Press, (1985), (pp 131-62).