Investigating of Date Crop Insurance Expansion Inhibitory Factors in Iran: A Case Study from the Saravan Region
محورهای موضوعی : Farm Management
محمدرضا ساسولی
1
,
مجید کریم زاده
2
,
عبدالرشید جام نیا
3
1 - استادیار گروه اقتصاد کشاورزی، مجتمع آموزش عالی سراوان، ایران
2 - استادیار گروه اقتصاد، مجتمع آموزش عالی سراوان، ایران
3 - استادیار گروه اقتصاد کشاورزی، مجتمع آموزش عالی سراوان، ایران
کلید واژه: Date crop insurance, Ordinal Logit Model, willingness Willingness to accept,
چکیده مقاله :
The viability and efficiency of crop insurance policies depend on farmers’ demand and willingness for crop insurance. The present study analyzes the insurance demand of 441 date farmers in the Saravan region. Data showed that 68.87 percent of the farmers did not agree with insurance. The results of the ordinal logit model at five different levels indicated that awareness of insurance benefits, insurance record, previous-year yield, and educational level, the standard deviation of income, orchard area, and satisfaction with insurance services were the main variables influencing the demand for insurance. The coefficient of variation of the likelihood of insurance adoption was estimated at all five levels. A 1percent increase in satisfaction with insurance services increases the likelihood of a person’s shift from the ‘strongly disagree’ category to the ‘disagree’ category by 6.3 percent. Older date farmers abstain from insurance adoption, which needs reflection given the religious view in the region on interest rates on the one hand and the resistance of older people against modern risk management methods on the other.
میزان موفقیت و کارایی سیاست بیمه محصولات کشاورزی بستگی به تقاضا و گرایش کشاورزان نسبت به بیمه محصولاتشان دارد؛ بدین منظور تقاضای بیمه توسط 441 نخلکار در شهرستان سراوان مورد تجزیه و تحلیل قرار گرفت. 87/68 درصد نخلکاران موافق به بیمه نبودند. نتایج مدل لاجیت رتبهای در پنج سطح متفاوت نشان داد که آگاهی از فواید بیمه، سابقه بیمه، عملکرد سال قبل، تحصیلات، انحراف معیار درآمد، مساحت نخلستان و میزان رضایت مندی از خدمات بیمه از متغیرهای مهم و اثرگذار بر تقاضای بیمه میباشد. درصد تغییر احتمال پذیرش بیمه در هر پنج سطح بدست آمد. افزایش یک درصدی در میزان رضایتمندی از خدمات بیمه باعث میشود که احتمال انتقال فرد کاملاً مخالف به سطح مخالف 3/6 درصد افزایش یافت. نخلکاران مسنتر از پذیرش بیمه امتناع میکنند که این موضوع با توجه به نوع نگرش مذهبی در منطقه مورد مطالعه در مورد نرخ بهره از یک سو و از سوی دیگر مقاومت افراد مسن در مقابل راهکارهای نوین مدیریت ریسک قابل تأمل است.
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