مجتبی سوختانلو


بیمه کشاورزی، یکی از مهم‏ترین راهکارهای مدیریتی برای غلبه بر خطرات کشاورزی، تغییرات آب و هوا و دیگر خطرات طبیعی اجتناب‌ناپذیر است. لذا هدف تحقيق، بررسی مؤلفه‏های اثرگذار مدیریت ريسک تولید بر پذیرش بيمه محصولات کشاورزي، میان کشاورزان ذرت‏کار دشت مغان در استان اردبیل بود. جامعه آماری تحقیق شامل كليه کشاورزان ذرت‏کار  به تعداد 915 نفر بوده که حجم نمونه به کمک روش نمونه‌گيري چندمرحله‏ای، توسط فرمول یمان (Yamane) به تعداد 278 نفر تعيين گرديد. 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 ريسک بر پذیرش بيمه تعیین شد. مطابق یافته‏ها، اغلب کشاورزان ذرت‏کار (10/65 درصد) ريسك‌گريز 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)، مديريت ریسک اقتصاد و بازاريابي (492/0=Wald)، مديريت ریسک زيربنايي زراعي و فنی (617/0=Wald) و مديريت تسهيم ريسك (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.

جزئیات مقاله

کلمات کلیدی

بیمه محصولات کشاورزی, درجه ريسك‏گريزي, دشت مغان, کشاورزان ذرتكار, مدیریت ريسك

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ارجاع به مقاله
سوختانلوم. (2019). مؤلفه‏ های اثرگذار مدیریت ريسک تولید بر پذیرش بيمه محصولات کشاورزي (مطالعه موردی: کشاورزان ذرت‏کار دشت مغان). پژوهش های اقتصاد و توسعه کشاورزی, 32(4), 299-311. https://doi.org/10.22067/jead2.v32i4.68267
نوع مقاله
علمی - پژوهشی