بیمه کشاورزی و نظام‌های تامین غذای پایدار: ارزیابی کشاورزان نیجریایی

نوع مقاله : مقالات پژوهشی به زبان انگلیسی

نویسندگان

• سان دی آجمانگهان ¹
• ابراهیم عبدالعزیز ²

¹ گروه بیمه، دانشکده علوم مدیریت، دانشگاه ایالتی لاگوس، لاگوس، نیجریه

² گروه عملیات و مدیریت حمل و نقل، دانشکده حمل و نقل و لجستیک، دانشگاه ایالتی لاگوس، اوجو، لاگوس، نیجریه

https://doi.org/10.22067/jead.2023.78280.1159

چکیده

بخش کشاورزی نقش مهمی در توسعه قاره آفریقا و دستیابی به اهداف توسعه پایدار (SDGs) دارد. با این حال، ریسک تولید در بخش کشاورزی فراگیر است، و همچنان، کشاورزان در سراسر کشورهای در حال توسعه، به دلیل محدودیت داده و دانش در مورد نیازهای بیمه‌ای کشاورزان و هزینه‌های گزاف بیمه برای پوشش ریسک‌های کشاورزی، به پوشش بیمه کشاورزی با کیفیت دسترسی ندارند. برای این منظور، بهبود بیمه کشاورزی، به عنوان یک ابزار، می‌تواند به ثبات درآمد کشاورزی و در نتیجه کاهش فقر، به عنوان هدف اول توسعه پایدار (SDG 1)، اطمینان از محیط مناسب برای تولید غذا (SDG 13)، و ایجاد یک بسته (حمایتی) با رفاه بیش‌تر برای رفع گرسنگی (SDG 2) کمک کند. بنابراین، این مطالعه به ارزیابی بیمه کشاورزی به عنوان یک ابزار برای نظام‌های تولید غذای پایدار در نیجریه می‌پردازد. این مطالعه یک نظرسنجی را در بر می‌گیرد و طی آن طرز نگرش، تجربه و مشاهدات پذیره‌نویسان منتخب کشاورزی در صنعت بیمه نیجریه را از طریق پرسشنامه ساختارمند گردآوری کرده است. برای این مطالعه از آمار توصیفی برای تحلیل داده‌ها استفاده شده است. نتایج مطالعه نشان داد که به غیر از آگاهی کشاورزان، که سطحی از معیارهای مرتبط با رفتار کشاورزان را نشان می‌دهد، سایر معیارها نقش مهمی نداشتند. این نتایج همچنین نشان داد که چرا سن، جنسیت، اندازه خانوار و تجربه کشاورزی نقش معناداری در دریافت بیمه کشاورزی نداشت. برای باقی مولفه‌های مشارکت کننده در این پژوهش تاثیر محوری دانسته شد. این مطالعه به ایجاد یک تصویر از چالش‌های پیش‌روی بیمه کشاورزی در نیجریه کمک کرد. نتایج این مطالعه می‌تواند در ارائه پیشنهادات مناسب برای دستیابی به اهداف توسعه پایدار (SDGs) در نیجریه کمک کند.

کلیدواژه‌ها

• بیمه کشاورزی
• ریسک کشاورزی
• نظام‌های پایدار غذا
• نیجریه

20.1001.1.20084722.1402.37.2.1.7

موضوعات

• اقتصاد کشاورزی

عنوان مقاله [English]

Agricultural Insurance and Sustainable Food Supply Systems: An Assessment for Nigerian Farmers

نویسندگان [English]

• S. Ajemunigbohun ¹
• I. Abdul-Azeez ²

¹ Department of Insurance, Faculty of Management Sciences, Lagos State University, Lagos, Nigeria

² Department of Transport Operation and Management, School of Transport and Logistics, Lagos State University, Ojo, Lagos, Nigeria

چکیده [English]

Agriculture plays a pivotal role in Africa's development and is essential for achieving the Sustainable Development Goals (SDGs). However, the agricultural sector is inherently exposed to production risks, and many farmers in the developing world lack access to reliable agricultural insurance coverage. This situation arises due to limited data and knowledge about farmers' insurance needs and the high costs associated with insuring against severe agricultural risks. Promoting agricultural insurance as an instrument can have several significant impacts, aligning with multiple SDGs. It can help stabilize farmers' income, thereby contributing to the goal of reducing poverty (SDG 1). Moreover, agricultural insurance can provide a safety net for food producers, helping them manage the impacts of climate-related risks and aligning with SDG 13, which addresses climate action. Additionally, by enhancing the resilience of farmers and ensuring more predictable income, agricultural insurance can contribute to addressing hunger (SDG 2) and ultimately create a more sustainable and prosperous agricultural sector in Africa. Therefore, this study evaluated agricultural insurance as an instrument for sustainable food supply systems in Nigeria. This study adopted a survey design. This study captured thoughts, experiences, and observations of selected agricultural underwriters in the Nigerian insurance industry through structured questionnaire. A descriptive statistic was employed in the data analysis. This study results indicated that aside from farmers’ awareness which showed some level of yardstick with respect to farmers behavioural metrics, all other metrics played no significant roles. It was also recorded that why farmers’ age, gender, family size and farming experience have no significant roles in the uptake of agricultural insurance, all other participatory factors have major effects. The study contributed significantly to knowledge with the graphical representations of the challenges confronting the agricultural insurers in Nigeria. The study provided suitable recommendations that endear achievable SDGs in Nigeria.

کلیدواژه‌ها [English]

• Agricultural insurance
• Agricultural risk
• Nigeria
• Sustainable food systems

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