بررسی عوامل موثر بر تمایل پذیرش بیمه زرشک کاران در مناطق روستایی خراسان جنوبی

نوع مقاله : مقاله پژوهشی

نویسندگان

1 استادیار گروه اقتصاد کشاورزی دانشگاه سیستان و بلوچستان، زاهدان، ایران

2 استاد گروه اقتصاد دانشگاه خوارزمی، تهران، ایران.

3 استادیار گروه اقتصاد کشاورزی دانشگاه سیستان و بلوچستان، زاهدان، ایران.

4 دانش آموخته توسعه روستایی و محیط زیست، دانشگاه نیوکاسل، استرالیا

چکیده

بیمه محصولات کشاورزی از جمله برنامه‌های مؤثر مدیریت ریسک کشاورزی است. یکی از محصولات مهم در خراسان جنوبی زرشک بوده که حدود 95 درصد تولید آن در این استان صورت می‌گیرد. بدین منظور، در پژوهش حاضر به بررسی عوامل موثر بر پذیرش بیمه در بین باغداران زرشک در مناطق روستایی استان خراسان جنوبی در سال 1399 پرداخته شده است. این تحقیق از نوع توصیفی-تحلیلی است که جامعه آماری آن شامل 12500 زرشک ‌کار روستاهای شهرستان‌های قاین و زیرکوه بوده که براساس فرمول کوکران تعداد نمونه آماری به اندازه 372 زرشک‌کار تعیین شده است. روایی پرسشنامه محقق ساخته از طریق کارشناسان ترویج جهادکشاورزی و اساتید و همچنین پایایی آن با استفاده از آلفای کرونباخ مورد تایید قرار گرفته است. نتایج نشان داد که متغیرهای سابقه باغداری، آگاهی از خطرات طبیعی و آفات و بیماری‌های همچون شته، بارندگی‎‌های ناگهانی، حشرات و جوندگان تاثیر مثبت و معناداری بر پذیرش بیمه دارد که حاکی از آن است که با افزایش آگاهی از خطرات طبیعی و آفات و بیماریها، احتمال پذیرش بیمه توسط باغداران زرشک در مناطق روستایی افزایش می‌یابد. بنابراین پیشنهاد می‌شود با برگزاری کلاس‌های آموزشی و ترویجی و در جهت افزایش آگاهی روستاییان از خطرات احتمالی و ریسک‌های موجود، امکان استفاده بیشتر کشاورزان از برنامه بیمه جهت کنترل مدیریت ریسک فراهم شود.

کلیدواژه‌ها

عنوان مقاله [English]

Investigating the Major Factors that Affect the Willingness Level of Farmers on Accepting Agricultural Insurance: A Case Study of the Barberry Producers in South Khorasan Province

نویسندگان [English]

  • Amir Dadras Moghadam 1
  • Mohammad Hossein KARIM 2
  • seyedmehdi hossieni 3
  • M.E Karim 4
1 Assistant Professor, Univesity of Sistan and Baluchestan, Zahedan, Iran
2 Professor, Department of Economics, Kharazmi University. Tehran. Iran
3 Assistant Professor, Univesity of Sistan and Baluchestan, Zahedan, Iran.
4 Graduated in rural development and environment, Newcastle University, Australia
چکیده [English]

Agricultural insurance is one of the effective agricultural risk management programs. Barberry is the major agricultural product in South Khorasan province which shapes 95% of the entire agricultural production in the province. Accordingly, this research investigates the major factors that affect insurance acceptance amongst barberry producers in rural areas of South Khorasan province in 2020. The demographic statistics suggest that there are approximately 12,500 barberry producers in Ghaen and Zirkoh villages, which is about half of the whole barberry producers in the province. Based on Cochran's formula, the number of statistical samples is 372 barberries. Both the reliability of using Cronbach's alpha and the validity of the research questionnaire became confirmed by the agricultural-jahad department experts and the university professors. The results show that a range of factors including horticultural experience level, awareness of aphid dangers, sudden rains, insects and rodents have a positive and significant effect on the intended farmers’ willingness to accept agricultural insurance. Insects and rodents have a dramatic impact on insurance acceptance. Further, a higher awareness of natural hazards and pests and diseases would increase the likelihood of agricultural insurance acceptance amongst the intended farmers. Therefore, this study suggests that related awareness classes are needed to boost the knowledge level of farmers about the potential risks and hazards and encourage them to accept agricultural insurance programs.

کلیدواژه‌ها [English]

  • Agricultural Insurance
  • Barberry
  • Natural Hazards
  • Sustainable Rural Development

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