امکان‌سنجی به‌کارگیری بیمه خرد روستایی در مناطق روستایی ایران

نوع مقاله: مقاله پژوهشی

نویسندگان

1 عضو باشگاه پژوهشگران جوان و نخبگان، دانشگاه آزاد اسلامی، واحد کرج، کرج، ایران

2 دانشیار گروه توسعة روستایی، واحد علوم و تحقیقات، دانشگاه آزاد اسلامی، تهران، ایران

3 استادیار اقتصاد کشاورزی و معاون پژوهشی مؤسسة پژوهش‌های برنامه‌ریزی، اقتصاد کشاورزی و توسعه روستایی

چکیده

بیمه‌های خرد راه حلی کلیدی برای بهبود شرایط زندگی فقرا به‏شمار می‌روند. هدف پژوهش حاضر امکان‌سنجی به‏کارگیری بیمه خرد روستایی در مناطق روستایی ایران بود. روش تحقیق از نظر راهبرد، توصیفی و از نظر مسیر اجرا، پیمایشی و نیز از لحاظ هدف، کاربردی بود. جامعه آماری تحقیق را 81 نفر از کارشناسان تشکیل می‌دادند. ابزار جمع‌آوری اطلاعات، پرسشنامه محقق‌ساخته بود که روایی آن توسط پانل اساتید و پایایی آن از طریق آزمون مقدماتی و آلفای کرونباخ، 93/0 تعیین شد، که بسیار قابل قبول است. تحلیل آماری تحقیق با استفاده از روش تحلیل عاملی تأییدی و با بهره‏گیری از نرم­افزارهایSPSS22  و AMOS18 صورت گرفت و نتایج  بیانگر آن بود که الزامات اجتماعی با بار عاملی 929/0، بیشترین و الزامات آموزشی- ترویجی با بار عاملی 564/0، کمترین تأثیر را بر به‏کارگیری بیمه خرد روستایی دارند. از این‏رو، پیشنهاد می‌شود تا اقدامات و تسهیلات لازم در راستای تشکیل تعاونی‌های بیمه خرد با همکاری دولت و بخش خصوصی صورت پذیرد.

کلیدواژه‌ها


عنوان مقاله [English]

Feasibility Study of Application of Rural Micro Insurance in Rural Area of Iran

نویسندگان [English]

  • Ardeshir MESBAH 1
  • Maryam OMIDI NAJAFABADI 2
  • Ali KIANI RAD 3
1 Member of Young Researchers and Elite Club, Karaj Branch, Islamic Azad University, Karaj, Iran
2 Associate Professor, Department of Rural Development, Islamic Azad University, Science and Research Branch, Tehran, Iran
3 Assistant Professor and Deputy Director of Agricultural Planning, Economics, and Rural Development Research Institute (APERDRI).
چکیده [English]

Micro insurance is a key issue for improving the living conditions of the poor. This research aimed at a feasibility study of application of rural micro insurance in rural areas of Iran. The research methodology was descriptive in terms of the strategy and a survey one in terms of the conduction run; and it was also an applied research regarding the target. The statistical population consisted of 81 experts. The data analysis tool was a researcher-made questionnaire, the validity of which was determined by a panel of professors; and its reliability was an acceptable amount of 0.93 found by a preliminary test and Cronbach's alpha. The statistical analysis was done in a confirmatory factor analysis method by using SPSS22 and AMOS18. Results indicated that the social requirements with the standard path coefficient of 0.929 had the highest and the educational-extension requirements with the standard path coefficient of 0.564 had the lowest effects for the use of rural micro insurance. Therefore, the study recommended that measures and facilities should be put in place to form micro finance cooperatives in partnership with the public and private sectors.

کلیدواژه‌ها [English]

  • Feasibility study
  • Micro Insurance
  • Rural Development
  • Factor analysis
  • Social Obligations
  • Iran

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