ارزيابي عملكرد بيمه محصولات كشاورزي و آثار آن در ايجاد انگيزش در كشاورزان استان همدان

چكيده انگليسي :

Performance Evaluation of Crops Insurance on Farmers motivation in Hamadan Province Samira Sajadi s sajadi@ag iut ac ir 3 1 2012 Rural Development of Agriculture Isfahan University of Technology Isfahan 84156 83111 Iran Degree M Sc Language Farsi Amir M Amini Email aamini@cc iut ac ir Ali yousefi Email ayousefi@cc iut ac irAbstract Insuring agricultural products is a mechanism of participating in risk taking which ispractically a costly means for transferring risk from farmers and producers to national andprivate insurers Today insurance is one of the significant issues in the social economicdevelopment program As one of the new guidelines to cope with the threats agriculturalactivities impose and as a result reducing the fluctuation in their income insuringagricultural products has been receiving attention In 1363 insuring agricultural products sregulation was approved and agricultural products insurance fund in agriculture bank waslaunched aiming at insuring variety of agricultural products The goal in this study is itassess agricultural products insurance functioning and it s impact on motivating farmers inHamadan province Four out of nine counties of this province were selected through a two stage cluster sampling Sampling population included 381 beneficiaries and 37 experts ofagricultural products fund calculated through random sampling and Cochran formula phi cramer s v kendall s tau kruskal wallis mann whitney u factor analysis regression andNPV project analysis method were used to analyses the data The result demonstrated thataccording to study indexes statistically there is a significant difference between theinsured group and the uninsured It was also learned that the beneficiaries knowledge someof their personality traits their financial situation and the position agricultural productsinsurance has in farmer s view develops a tendency in beneficiaries to insure their products In the uninsured group also the farmer s ignorance and a bad image of insurance in theirmind has a significant influence on their not wanting to insure their products The resultalso showed the functioning of agricultural product insurance in different counties and fordifferent products has been different with insurance fund functioning more successfully inwater farm than dry farm The results from variable s regression equation showed that thepositive attitude in the society high value products the possibility of insurance payment no indemnity delay colza land under cultivation media and the beneficiaries who hadpreviously insured their products where the most influential variables in motivating theinsured farmers And the most influential in farmers not being motivated to insure theirproducts were visits to insurance fund activities and the dominant attitude in society According to experts the most important variables influencing the success of insurancevisits to insurance fund activities advertising training to inform the farmers scientificmethods of assessing damage units optimal functioning and the appropriate man power Keywords agricultural products insurance function assessment motivation Hamadan province

سجادي، سميرا

ارزيابي عملكرد بيمه محصولات كشاورزي و آثار آن در ايجاد انگيزش در كشاورزان استان همدان