تعیین عوامل موثر بر تقاضای بیمه ی باغدران مرکبات در شهرستان بابل

نویسندگان

1 دانشیار گروه اقتصاد کشاورزی دانشگاه تبریز

2 دانشجوی دکترای اقتصاد کشاورزی دانشگاه تهران

3 کارشناس ارشد اقتصاد کشاورزی دانشگاه تبریز

چکیده

بیمه ی کشاورزی از مهم ترین راهکارها برای رسیدن به امنیت درآمدی و پایداری تولید است. هدف این مطالعه آن است که عوامل موثر بر پذیرش بیمه ی مرکبات در شهرستان بابل، با استفاده از تابع لاجیت مورد شناسایی و تجزیه و تحلیل قرار گیرد و راهکارهای مناسب در جهت گسترش این ابزار سیاست گذاری و ایجاد امنیت و پایداری در تولید این محصول، فراروی سیاست گذاران و برنامه ریزان بخش کشاورزی کشور قرار داده شود. داده ها به صورت مقطعی و از طریق پرسشنامه در سال زراعی 1389-1390 از 148باغدار مرکبات شهرستان بابل با نمونه گیری تصادفی ساده جمع آوری شده است. نتایج نشان داد که متغیرهای عمر باغ، دریافت تسهیلات بانکی، سطح تحصیلات، مساحت باغ و آگاهی باغدار از اهداف بیمه ای دارای اثر نهایی مثبت و متغیرهای تعداد قطعات زمین و سن، اثر نهایی منفی روی تقاضای بیمه ی مرکبات در شهرستان بابل دارد. پیشنهاد می گردد، الگوسازی باغ های مرکبات یکپارچه، بهره گیری از شیوه های باغداری صنعتی و جایگزینی جوانان تحصیلکرده به جای فعالان مسن کنونی، می تواند موجب توجه بیشتر به بیمه ی کشاورزی در بین باغداران شهرستان بابل شود
 

کلیدواژه‌ها


عنوان مقاله [English]

Factors Affecting Agricultural insurance Demand: A Case Study of Citrus Producers in Babol

نویسندگان [English]

  • R. M. Rezaei 1
  • K. Mahjori 2
  • M. Kavosi Kalashemi 3
  • K. Ataee Saloot 3
چکیده [English]

The purpose of this paper is to determine factors affecting demand of citrus producers for agricultural insurance in Babol region. Data were collected from a random sample of citrus producers around Babol Township in 2010.Logit function was used to analyze the situation. Results revealed that orchard size, orchard age, credit, education, and degree of awareness had positive and age, and number of orchard parcels had negative effect on insurance demand. Based on findings of study some recommendations are made to improve the situation notable among them were increase in orchard size and renovation of old orchards
 

1. Agriculture Jihad Organization of Mazandaran. 2008-2010.
(Yearbooks).
2. Amirnejad, H. Rafiee, H and Rezapoor, S. 2009. Factors
Affecting Insurance Acceptance by Rapeseed Farmers in
Amol County. The Journal of Agricultural Science. 19(2):
263-272. (in Persian)
3. Barnet, B. J, Skees J. R. and Hourigan, J. D. 1990; Examining
participation in federal crop Insurance. Staff paper. No. 275,
Department of Agricultural Economics, University of
Kentucky.
4. Darijani, A and Qorbani, M. 1998. Assessment of Factors
Affecting on Weat Insurance Acceptance: Case Study of
Mazandaran Province. 2th Conference of Iranian Agricultural
Economic. Karaj. (in Persian)
5. Einollahi, M. 2008. Factors Affecting on Weat Producters
Insurance Acceptance: Case of Khodabandeh County. Journal
of Agricultural Economic and Development. Year of 16. 63:
51-70. (in Persian)
6. Enjolras, G. and Sentis, P. 2008. The Main Determination Of
Insurance phurcase an Emprical Study on Crop Insurance
Policy in France. Paper Prepared for Presentation at the 12th
EAAE Congress ‘People, Food and Environments: Global
Trends and European Strategies’, Gent (Belgium), 26-29.
7. Ferdosi, R. 1994. Assessment of Insurance Rule in
Agricultural Production. Case Study of Cotton. MSC Thesis,
Tarbiat Modares University, Department of Agriculture.
Tehran. (in Persian)
8. Goodwin, B. K., 1993. An Empirical Analysis of the Demand
for Multiple Peril Crop Insurance, American Journal of
Agricultural Economics , vol. 75: 425-434.
9. Green, W. H. 1990. Econometric Analysis. New York.
McMillan, 2nd Edition.
10. Harwood, J; Heifner; R. Coble; K. Perry J. and Somwaru, A.
1999, Managing Risk in Farming: Concepts, Research and
Analysis, Market and Trade Economics Division and
Resource Economics Division, Economic Research Service, 
U. S. Department of Agriculture, Agricultural Economic
Report No. 774.
11. Hojjati, B. and N.E. Bockstael 1988, Modeling the Demand
for Crop Insurance, Multiple Peril crop insurance. A
collection of empirical studies. H. Mapp, Southern
Cooperative Series Bulletin. 334: 76-153.
12. Jaberi, A. 1999. Assessment of Participation limitative
Factors in Agricultural Product Insurance. 2th Global
Conference of Responsibles and Experts of Agricultural
Product Insurance Found. Education Center of Agricultural
Bank. Babolsar. (in Persian)
13. Judge, G., Hill. C., Griffiths, W., Lee. T. And Lutkepol, H.
1982. An Introduction to the Theory and Practice of
Econometrics. New York : Wiley.
14. Karbasi, A. 2000. Assessment of Farmers Teory and Factors
Affecting on Agricultural Production Insurance Acceptance.
Conference of Agricultural Insurance, Investment
Development and Security. Iran Agricultural Bank. (in
Persian)
15. Karbasi, A. and Kambozia, N. 1999. Assessment of Factors
Affecting on Insurance Acceptance of Agricultural Products
in Sistan and Balochestan Province. Journal of Agricultural
Economic and Development. No 41and 42: 184-167. (in
Persian)
16. Lee, Y.K. 1982. Considerations in the Introduction of Crop
Insurance to Rice Sector in Korea. Michigan State University.
17. Maddala, G.S. 1992. Introduction to Econometrics. Second
edition, Macmillan Publishing Company, New York, USA.
18. Mohammed, M.A. and Ortmann, G.F. 2005. Factors
Influencing Adoption of Livestock Insurance by Commercial
Dairy Farmers in Three Zobatat of Eritrea. Agrekon, Vol 44,
2: 172-186.
19. Mohammadi, Y., Rafiee, H. and Iravani, H. 2008. Assessment
of Factors Affecting on Insurance Acceptance of Chosen
Agricultural Products in Zarrindasht County. Journal of
Pajouhesh & Sazandegi. 81: 120-129. (in Persian)
20. Nikoei, A., and Torkamani, J. 1997. Factors Affecting on
Agricultural Product Insurance Acceptance of Fars Province: 
Case Study of Weat. Third Conference of Iranian Agricultural
Economic. Ferdosi University of Mashhad. Mashhad. (in
Persian)
21. Qorbani, B. Karbasi, A and Farahmand, Z. 2000. Assessment
of Factors Affecting on Agricultural Production Insurance
Acceptance. Third Conference of Iranian Agricultural
Economic. Ferdosi University of Mashhad. Mashhad. (in
Persian)
22. Torkamani, G and Qorbani, M. 1999. Factors Affecting on
Agricultural Product Insurance Acceptance: Case Study of
Sari County, Journal of Iran Agricultural Sciences. 30: 233-
240. (in Persian)
23. Vandeveer, Monte L. A, 2001; Demand for Area Crop
Insurance among Litchi Producers in Northern Vietnam.
Journal of Agriculture Economics, 26: 173-184.