گروه اقتصاد کشاورزی، دانشگاه سیستان و بلوچستان، زاهدان، ایران
تاریخ دریافت: 20 مرداد 1400،
تاریخ بازنگری: 29 اردیبهشت 1401،
تاریخ پذیرش: 08 مهر 1402
چکیده
مقدمه و هدف: بخش کشاورزی همواره با مخاطرات متنوعی از جمله مخاطرات طبیعی روبرو است که یکی از ابزارهای حمایتی دولت، بیمه محصولات کشاورزی است. خرما از محصولات باغی سازگار با شرایط آب و هوایی منطقه ایران است که مخاطرات متعددی این محصول را تهدید می‌کند. مواد و روشها: به منظور بررسی عوامل موثر بر پذیرش بیمه خرما در شش استان خرماخیز کشور، از دیدگاه کارگزاران ابتدا پرسش‌نامه تنظیم شده و سپس تاثیر این عوامل بر پذیرش بیمه خرما با استفاده از مدل لاجیت ترتیبی تعمیمیافته برآورد شده است. یافتهها: تاثیر نهایی متغیرهای تحصیلات، داشتن شغل دوم، حق بیمه پرداختی، تعداد خطر پوششی، مروجان، ارزیابی صحیح و سطح زیرکشت بر احتمال پذیرش بیمه به ترتیب به میزان 18/0، 49/0، 17/0، 21/0، 15/0، 28/0 و 13/0 مثبت و معنادار شده است. در بین سطوح مختلف پذیرش بیمه، سطح دوم بیشترین میزان پذیرش بیمه کشاورزان وجود دارد. بحث و نتیجهگیری: با نتایج تحقیق که عملکرد بهتر صندوق بیمه کشاورزی در کنار سایر عوامل مربوط به بیمه گزاران، تاثیر مثبت و معناداری بر پذیرش بیمه دارد، لازم است با آموزش و افزایش آگاهی نخلداران نسبت به بیمه محصول خرما توسط مروجان و متخصصان، ارتقای سطح سواد کشاورزان، ارزیابی سریع و صحیح خسارت و پرداخت به موقع خسارت، اقدامات عملیاتی برای بهتر شدن پذیرش بیمه محصول خرما در استانهای ایران صورت داد.
Factors affecting the acceptance of date crop insurance from the perspective of date insurance brokers with emphasis on the performance of the Agricultural Insurance Fund
نویسندگان [English]
Nasrin Hossein bor؛ Amir Dadrasmoghadam؛ Seyed mahdi Hosseini؛ Mahdi Safdari
Ph.D. Student, Agricultural Economics, University of Sistan and Baluchestan
چکیده [English]
Introduction: The agricultural sector is always faced with a variety of hazards, including natural hazards. One of the government support tools for the sustainability of this sector is agricultural insurance.
methods: In order to investigate the factors affecting the acceptance of date insurance in six date-producing provinces of the country, from the perspective of brokers, a questionnaire was first prepared and then estimated using a generalized sequential logit model.
Results: The final effect of the variables of age, education, having a second job, insurance premiums paid, number of coverage risks, timely payment of damages, promoters, correct assessment and cultivation level on the probability of accepting insurance has been positive and significant.
Discussion: Better performance of the Agricultural Insurance Fund, along with other factors related to insurers, has a positive and significant effect on insurance acceptance.
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