واکاوی راهکارهای توسعه بیمه کشاورزی کشور

نوع مقاله: مقاله پژوهشی

نویسندگان

1 دانشجوی کارشناسی ارشد توسعه روستایی، دانشگاه لرستان

2 استادیار گروه توسعه روستایی، دانشگاه لرستان

3 دکترای مدیریت منابع انسانی، رئیس اداره کل امور نمایندگی‏ها و کارگزاران صندوق بیمه کشاورزی، صندوق بیمه کشاورزی

چکیده

بیمه کشاورزی یکی از کاربردی‏ترین واکنش‏های کشاورزان در برابر ضرر و زیان‏های احتمالی است که می‌تواند باعث افزایش امنیت اجتماعی و اقتصادی روستاییان شود. در این راستا، پژوهش حاضر به واکاوی راهکارهای توسعه بیمه کشاورزی در کشور پرداخته است. این پژوهش کاربردی به روش پیمایشی انجام گرفت. جامعه آماری تحقیق شامل کارگزاران صندوق بیمه کشاورزی کشور بود که حجم نمونه با استفاده از رابطة کوکران 244 نفر و به‏صورت چندمرحله‏ای برگزیده شد. روایی پرسشنامه از طریق پانل متخصصان و پایایی آن از طریق آلفای کرونباخ مورد تأیید قرارگرفت (87/0=α). نتایج نشان داد که مهم‏ترین راهکارهای توسعه بیمه، افزایش آگاهی کشاورزان نسبت به اهمیت بیمه و انجام به‏موقع تعهدات صندوق بیمه است. بر اساس نتایج تحلیل عاملی اکتشافی، چهار عامل سیاستی- اداری، آموزشی- اطلاع‌رسانی، تسهیلاتی- لجستیکی، و اجتماعی- فرهنگی در تبیین واریانس توسعة بیمة کشاورزی تأثیرگذار است. بر این اساس، از جمله راهکارهای پیشنهادی پژوهش حاضر سامان‏دهی برنامه‏های آموزشی و ارتباطی برای دو قشر مخاطبان و کارگزاران، به‏کارگیری فناوری اطلاعات و ارتباطات در نظام اداری، تقویت بنیه مالی و تجهیزاتی بخش خصوصی، توسعه روش‌های آکچواری و تحقیق و توسعه و بهره‌گیری از روستاییان تحصیل‏کرده به عنوان کارگزاران محلی بیمه است.

کلیدواژه‌ها


عنوان مقاله [English]

Exploring the Solutionsof Agricultural Insurance Development in Iran

نویسندگان [English]

  • N. Hosseinnejad Mir 1
  • S. Gholamrezai 2
  • M. Rahimian 2
  • M. Rahmani Karchegani 3
1 MA Student in Rural Development, University of Lorestan, Iran
2 Assistant Professor, Department of Rural Development, University of Lorestan, Iran
3 PhD in Human Resources Management, Agricultural Insurance Fund, Iran
چکیده [English]

Agricultural insurance is one of the most practical responses of farmers to possible losses, increasing the social and economic security of the rural people. This study aimed at exploring the solutions of agricultural insurance development in Iran. This applied research was conducted in a survey method. The statistical population of the study consisted of brokers of the Agricultural Insurance Fund. The sample size was estimated 244 by the Cochran formula, selected through a multi-stage sampling. The questionnaire validity was confirmed through an experts panel and its reliability was calculated by Cronbach's alpha (α= 0.87). The study results showed that the most important solutions included increasing farmers' awareness about the importance of insurance and timely fulfillment of the obligations of the insurance fund. In addition, exploratory factor analyses could explain 44.67 percent of the total variance in four categories including policy-administrative, educational-information, facilitation-logistic, and socio-cultural approaches. Accordingly, educational and communication strategies for two groups of audiences and agents, application of ICT in the administrative system, the strengthening of financial resources and equipment of the private sector, development of methods of actuary and R&D, use of educated rural people as local brokers were recommended. 

کلیدواژه‌ها [English]

  • Agricultural insurance
  • brokers
  • Agricultural Insurance Fund
  • Rural Development
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