عوامل موثر بر پذیرش بیمه محصول خرما از دیدگاه کارگزاران صدور بیمه نامه خرما با تاکید بر عملکرد صندوق بیمه کشاورزی

نوع مقاله : مقاله پژوهشی

نویسندگان

• نسرین حسین بر
• امیر دادرس مقدم
• سید مهدی حسینی
• مهدی صفدری

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

10.30495/jae.2023.28649.2279

چکیده

مقدمه و هدف: بخش کشاورزی همواره با مخاطرات متنوعی از جمله مخاطرات طبیعی روبرو است که یکی از ابزارهای حمایتی دولت، بیمه محصولات کشاورزی است. خرما از محصولات باغی سازگار با شرایط آب و هوایی منطقه ایران است که مخاطرات متعددی این محصول را تهدید می‌کند.
مواد و روش­ها: به منظور بررسی عوامل موثر بر پذیرش بیمه خرما در شش استان خرما­خیز کشور، از دیدگاه کارگزاران ابتدا پرسش‌نامه تنظیم شده و سپس تاثیر این عوامل بر پذیرش بیمه خرما با استفاده از مدل لاجیت ترتیبی تعمیم­یافته برآورد شده است.
یافته­ها: تاثیر نهایی متغیرهای تحصیلات، داشتن شغل دوم، حق بیمه پرداختی، تعداد خطر پوششی، مروجان، ارزیابی صحیح و سطح زیرکشت بر احتمال پذیرش بیمه به ترتیب به میزان 18/0، 49/0، 17/0، 21/0، 15/0، 28/0 و 13/0 مثبت و معنادار شده است. در بین سطوح مختلف پذیرش بیمه، سطح دوم بیشترین میزان پذیرش بیمه کشاورزان وجود دارد.
بحث و نتیجه­گیری: با نتایج تحقیق که عملکرد بهتر صندوق بیمه کشاورزی در کنار سایر عوامل مربوط به بیمه گزاران، تاثیر مثبت و معناداری بر پذیرش بیمه دارد، لازم است با آموزش و افزایش آگاهی نخل­داران نسبت به بیمه محصول خرما توسط مروجان و متخصصان، ارتقای سطح سواد کشاورزان، ارزیابی سریع و صحیح خسارت و پرداخت به موقع خسارت، اقدامات عملیاتی برای بهتر شدن پذیرش بیمه محصول خرما در استانهای ایران صورت داد.

کلیدواژه‌ها

• صندوق بیمه کشاورزی
• کارگزاران
• بیمه نامه
• لاجیت ترتیبی تعمیم‌یافته

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عنوان مقاله [English]

Factors affecting the acceptance of date crop insurance from the perspective of date insurance brokers with emphasis on the performance of the Agricultural Insurance Fund

نویسندگان [English]

• Nasrin Hossein bor
• Amir Dadrasmoghadam
• Seyed mahdi Hosseini
• Mahdi Safdari

Ph.D. Student, Agricultural Economics, University of Sistan and Baluchestan

چکیده [English]

Introduction: The agricultural sector is always faced with a variety of hazards, including natural hazards. One of the government support tools for the sustainability of this sector is agricultural insurance.

methods: In order to investigate the factors affecting the acceptance of date insurance in six date-producing provinces of the country, from the perspective of brokers, a questionnaire was first prepared and then estimated using a generalized sequential logit model.

Results: The final effect of the variables of age, education, having a second job, insurance premiums paid, number of coverage risks, timely payment of damages, promoters, correct assessment and cultivation level on the probability of accepting insurance has been positive and significant.

Discussion: Better performance of the Agricultural Insurance Fund, along with other factors related to insurers, has a positive and significant effect on insurance acceptance.

کلیدواژه‌ها [English]

• Agricultural Insurance Fund
• Brokers
• Policy
• Generalized sequential logit

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