بررسی عوامل مؤثر بر پذیرش بیمه تکمیلی محصولات کشاورزی (مطالعه موردی زارعین استان البرز)

فصلنامه علمی -پژوهشی تحقیقات اقتصاد کشاورزی

مقاله 1، دوره 12، شماره 48، بهمن 1399، صفحه 1-22   

نوع مقاله: مقاله پژوهشی

نویسندگان

محسن نیکزادی پناه^{* 1}؛ جعفر عزیزی²؛ سیدیعقوب زراعت کیش³

¹گروه اقتصاد،ترویج و آموزش کشاورزی، دانشکده کشاورزی و منابع طبیعی،دانشگاه آزاد اسلامی، واحد علوم و تحقیقات تهران، تهران، ایران

²دانشگاه آزاد اسلامی واحد رشت، گروه مدیریت کشاورزی، رشت، ایران

³دانشگاه آزاد اسلامی، واحد علوم و تحقیقات تهران، گروه اقتصاد، ترویج و آموزش کشاورزی، تهران، ایران

تاریخ دریافت: 10 بهمن 1397،  تاریخ بازنگری: 31 خرداد 1398،  تاریخ پذیرش: 26 اردیبهشت 1399 

چکیده

هدف این تحقیق، بررسی عوامل مؤثر بر پذیرش بیمه تکمیلی محصولات کشاورزی توسط زارعین استان البرز می‌باشد. این تحقیق از نوع توصیفی‌ـ همبستگی بوده که با استفاده از روش پیمایشی انجام گرفته است. جامعه آماری این پژوهش را زارعین در روستاهای استان البرز تشکیل می‌دهند که با استفاده از جدول کرجسی و مورگان و روش نمونه‌گیری تصادفی خوشه‌ای، تعداد 317 نفر به صورت کاملاً تصادفی انتخاب شدند. ابزار اصلی این تحقیق پرسشنامه‌ای است که روایی آن با کسب نظرات اساتید و صاحب‌نظران در حوزه مدیریت کشاورزی به دست آمد. پایایی پرسشنامه از طریق آزمون مقدماتی و با استفاده از ضریب آلفای کرونباخ انجام شده و مورد تأیید قرار گرفت. نتایج تحلیل رگرسیون لجستیک گویای آن است که متغیرهای میزان درآمد سالانه کشاورزی، آگاهی از شرایط بیمه، اراضی تحت مالکیت، داشتن شغل غیرکشاورزی، ریسک‌پذیری و سطح تحصیلات کشاورز، توانایی تبیین واریانس و تغییرات متغیر وابسته پذیرش بیمه تکمیلی محصولات کشاورزی را دارند و توانستهاند 1/68 درصد از تغییرات متغیر وابسته پذیرش بیمه تکمیلی محصولات کشاورزی را تبیین کنند.

کلیدواژه‌ها

پذیرش؛ بیمه تکمیلی؛ محصولات کشاورزی؛ زارعین؛ استان البرز

عنوان مقاله [English]

Investigating the Effecting Factors on the Adoption of Agricultural Supplemental Insurance (case study on Alborz Province Farms)

نویسندگان [English]

mohsen nikzadi panah¹؛ Jaafar Azizi²؛ Yaaghub Zeraatkish³

¹Master`s Student in Agricultural Management, Islamic Azad University, Science and Research Branch, Department of Economic, Agricultural Extension and Education, Tehran, Iran.

²Assistant professor of Islamic Azad University, Rasht Branch, Department of Agricultural Management, Rasht, Iran

³Assistant professor of Islamic Azad University, Science and Research Branch, Department of Economic, Agricultural Extension and Education, Tehran, Iran.

چکیده [English]

The purpose of this research was investigating the effecting factors on the adoption of agricultural supplemental insurance by Alborz Province farms. The type of research is descriptive-correlation that is done through survey method. Statistical population of research are farmers in the villages of Alborz province that throught Krejcy & Morgan table and clustered sampling was selected 317 people totally random. Main tool of this research is a questionnaire that it`s validity is obtained by using panel of experts and masters in the agricultural managment field. The reliability of the questionnaire is done through pre-test and by Cronbach's alpha coefficient, that was acceptable. The results of analysis regression are indicated annual agricultural income, awareness of insurance conditions, land ownership, having a non-agricultural job, level of education and riskiness well explain for 68.1% changes in adoption of agricultural supplemental insurance.

کلیدواژه‌ها [English]

Adoption, Supplemental Insurance, Agricultural, Alborz Province, Farms

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