مؤلفه‏ های اثرگذار مدیریت ریسک تولید بر پذیرش بیمه محصولات کشاورزی (مطالعه موردی: کشاورزان ذرت‏کار دشت مغان)

نوع مقاله : مقالات پژوهشی

نویسنده

دانشگاه محقق اردبیلی

چکیده

بیمه کشاورزی، یکی از مهم‏ترین راهکارهای مدیریتی برای غلبه بر خطرات کشاورزی، تغییرات آب و هوا و دیگر خطرات طبیعی اجتناب‌ناپذیر است. لذا هدف تحقیق، بررسی مؤلفه‏های اثرگذار مدیریت ریسک تولید بر پذیرش بیمه محصولات کشاورزی، میان کشاورزان ذرت‏کار دشت مغان در استان اردبیل بود. جامعه آماری تحقیق شامل کلیه کشاورزان ذرت‏کار  به تعداد 915 نفر بوده که حجم نمونه به کمک روش نمونه‌گیری چندمرحله‏ای، توسط فرمول یمان (Yamane) به تعداد 278 نفر تعیین گردید. ضریب ریسک‏گریزی با استفاده از مدل قاعده اول اطمینان (SFR) محاسبه و پس از دسته‏بندی کشاورزان ذرت‏کار بر اساس پذیرنده و نپذیرنده بیمه، توسط رگرسیون لجستیک مؤلفه‏های اثرگذار مدیریت ریسک بر پذیرش بیمه تعیین شد. مطابق یافته‏ها، اغلب کشاورزان ذرت‏کار (10/65 درصد) ریسک‌گریز می‏باشند. همچنین کشاورزان ذرت‏کار پذیرنده بیمه، بطور معنی‏داری دارای درجه ریسک‏گریزی کمتری نسبت به کشاورزان ذرت‏کار نپذیرنده بیمه هستند. نتایج رگرسیون لجستیک دوگانه نشان داد که از میان انواع مؤلفه‏ها، مؤلفه‏های مدیریت ریسک کاشت (382/0=Wald)، مدیریت ریسک اقتصاد و بازاریابی (492/0=Wald)، مدیریت ریسک زیربنایی زراعی و فنی (617/0=Wald) و مدیریت تسهیم ریسک (447/0=Wald) تأثیر مثبت و معنی‏داری بر پذیرش بیمه محصولات کشاورزی داشت. همچنین تأثیر متغیرهای سن، سطح تحصیلات و تعداد ریسک‌های کشاورزی نیز در تمایز دو گروه پاسخ‏گویان، معنی‏دار بود.

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