مؤلفه‌های تأثیرگذار بر پذیرش بیمه محصولات (مطالعه موردی: باغداران شهرستان گچساران)

فصلنامه علمی -پژوهشی تحقیقات اقتصاد کشاورزی

مقاله 5، دوره 15، شماره 1، اردیبهشت 1402، صفحه 87-72   

نوع مقاله: مقاله پژوهشی

شناسه دیجیتال (DOI): 10.30495/jae.2023.26783.2216

نویسندگان

محسن موسایی^{* 1}؛ طبیب الله اسلامی²

¹استادیار گروه مدیریت کشاورزی دانشگاه آزاد اسلامی واحد گچساران، گچساران، ایران

²فارغ التحصیل کارشناسی ارشد مدیریت کشاورزی دانشگاه آزاد اسلامی واحد گچساران، گچساران، ایران

تاریخ دریافت: 19 آذر 1399،  تاریخ بازنگری: 26 اردیبهشت 1400،  تاریخ پذیرش: 27 خرداد 1402 

چکیده

مقدمه و هدف: کشاورزی، ذاتاً فعالیتی پرخطر و همراه با ریسک می باشد و تولیدات کشاورزی همواره با مجموعه ای از خطرات مربوط به قیمت ها و خطرات زیست محیطی همراه  است.  بیمه محصولات کشاورزی زمینه لازم  را برای کاهش  این مخاطرات  ایجاد نموده و باعث تشویق  کشاورزان، باغداران و سایر بهره برداران در حوزه کشاورزی به کار و تولید می شود. بیمه ازجمله ابزارهای مؤثر در مدیریت ریسک در کشاورزی است و درواقع نوعی فناوری است که برای کاهش ریسک گریزی کشاورزان و درنتیجه افزایش کارایی آنها در استفاده بهینه از عوامل تولید ایجادشده است. هدف پژوهش حاضر شناسایی مؤلفه‌های تأثیرگذار بر پذیرش بیمه محصولات می‌باشد.
مواد و روش ها: تحقیق از لحاظ هدف، کاربردی و از نوع توصیفی- تحلیلی با رویکرد پیمایشی است. جامعه آماری پژوهش را باغداران شهرستان گچساران تشکیل می‌دهند که با استفاده از فرمول کوکران تعداد 3۴0 نفر به‌عنوان حجم نمونه به روش نمونه‌گیری تصادفی انتخاب شدند. ابزار اصلی پژوهش پرسشنامه بود که برای حصول روایی از پانل متخصصان و پایایی آن نیز با استفاده از ضریب آلفای کرنباخ انجام شد و مقدار آن ۷۳/. محاسبه گردید.
یافته ها: نتایج نشان داد، عوامل اقتصادی با سطح معنی‌داری ۲۵۸/۰، عوامل اجتماعی با سطح معنی‌داری ۲۴۳/۰، عوامل انگیزشی با سطح معنی‌داری ۲۲۶/۰ و عوامل مرتبط با بیمه با سطح معنی‌داری ۲۲۱/۰ به ترتیب تأثیر مثبت و معنی‌داری بر پذیریش بیمه محصولات دارند. برمبنای نتایج عوامل اقتصادی بیشترین نقش را در پذیرش بیمه محصولات دارند، راهکارهایی از قبیل خرید تضمینی محصول، حذف واسطه‌ها، پرداخت سریع غرامت، تمرکز بر کشاورزان خطرپذیر، جهت پذیریش بیمه محصولات توسط کشاورزان پیشنهاد می‌شود.

کلیدواژه‌ها

بیمه محصولات کشاورزی؛ باغداران؛ پذیرش بیمه؛ شهرستان گچساران

عنوان مقاله [English]

Factors Influencing the Acceptance of Crop Insurance (Case study: Gardeners of Gachsaran City)

نویسندگان [English]

mohsen Mousaei¹؛ Tabiballah Eslami²

¹Assistant Professor of Department of Agricultural Management, Gachsaran Branch, Islamic Azad University, Gachsaran, Iran.

²Master of Science, Department of Agricultural Management, Ghachsaran Branch, Islamic Azad University, Gachsaran, Iran.

چکیده [English]

Introduction and Purpose: Agriculture is inherently a high-risk activity, and agricultural production is always associated with a set of risks related to prices and environmental risks. Crop insurance contributes to reducing these risks and encouraging farmers, gardeners, and other operators in the field of agriculture to work and produce. Insurance is an effective tool in risk management in agriculture. It is actually a type of technology that was created to reduce the risk aversion of farmers and, as a result, increase their efficiency in the optimal use of production factors. The present research aims to identify the factors influencing the acceptance of crop insurance.
Materials and Methods: In terms of purpose, the research is an applied and descriptive-analytical study conducted by the survey approach. The statistical population consisted of gardeners in Gachsaran County. The sample whose size was estimated at 340 gardeners using Cochran's formula was taken by the random sampling method. The main instrument was a questionnaire whose validity was confirmed by a panel of experts and its reliability was estimated at 0.73 by Cronbach's alpha coefficient.
Findings: The results showed that economic factors with a significance level of 0.258, social factors with a significance level of 0.243, motivational factors with a significance level of 0.226, and insurance-related factors with a significance level of 0.221 had a positive and significant effect on the acceptance of crop insurance. Based on the results, economic factors play the biggest role in the acceptance of crop insurance, so it is suggested to apply such solutions as guaranteed purchase of products, elimination of middlemen, quick payment of compensation, focus on risky farmers, and orientation of crop insurance with farmers.

کلیدواژه‌ها [English]

Crop insurance, gardeners, insurance acceptance, Gachsaran city

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