جستجوی مقالات مرتبط با کلیدواژه « بیمه » در نشریات گروه « میان رشته ای »

The study's objective is to investigate farmers' satisfaction with the quality of services provided by agricultural insurance companies in Kermanshah province. It utilized a descriptive survey research method, with the statistical population being agriculture, horticulture, and livestock insurers in Kermanshah Province, numbering 18,391 individuals. The study employed a multi-stage sampling technique to select 377 participants. Data was collected through a researcher-generated questionnaire designed to measure satisfaction levels across five dimensions - tangibles, reliability, responsiveness, assurance, and empathy, consisting of 27 items.The research revealed that policyholders mainly acquired their insurance information from insurance companies, agricultural jihad organizations, friends, and acquaintances, with radio, rural cooperatives, and promotional publications playing a less significant role in providing insurance-related information. Brokers selected by insurance companies were ranked lowest among insurance information sources by policyholders. The study determined that insurers' overall satisfaction levels were moderate, with higher dissatisfaction in terms of facilities and equipment, and lower dissatisfaction with confidence.Furthermore, the research findings showed significant differences in satisfaction levels based on the type of insured product. Farmers and gardeners had different satisfaction levels compared to ranchers. These results suggest potential ways for improvement in the quality of insurance services by agricultural insurance agents based on the identified dimensions. It is important for insurance providers to use the research outcomes to enhance service quality, ultimately benefitting the farmers in the region.

The adoption of desirable policies for increasing production potential and reducingrisk in the agriculture sector is among the government’s programs for economicdevelopment. In this relation, agricultural crop insurance is considered an appropriatemechanism for reducing economic risk in the agriculture sector. This descriptive andcorrelational research intended to study the effects of agricultural insurance on thelivelihood of wheat growers in Kohgiluyeh city. The research sample consisted of 335insured and 335 uninsured wheat growers who had been selected randomly. The facevalidity of the research tool was confirmed by the relevant professors and elite, andits reliability through using the Cronbach alpha method. The results of the researchshowed that , there were significant differences between the two groups of the insuredand uninsured wheat growers (those who adopted the insurance policy and those whodid not) with respect to economic skills, income, saving, banking facilities, accessto public resources, education, knowledge and information, social trust, and maritalstatus. By Considering the results of the discriminant analysis and the ability toseparate the insured group from the uninsured by using the 15 independent variables,“lifestyle” was the most important variable that separated these two groups from eachother. Moreover, since the indicator of social trust was significantly different in the twomentioned groups, we suggest that the larger landowners in the region be consideredas target group for promoting adoption of agricultural insurance policy so that, whenthey adopt it, the ground is prepared for its adoption by the small landowners.

As agricultural sector is generally confrontedby economic and environmental threats, agricultural insurance has been considered as an appropriate mechanism to protect farmers against these threats.   The purpose of this study is to compare Adopters' and Non-adopters' characteristics among pomegranate orchard owners in Natanz County.   A survey technique was used as a research method.   Stratified random sampling was appliedto collect data from 250 farmers of Natanz County based on Cochran sampling formula.   Data was collected among 190 orchard owners who did not adopt and 60 orchard owners who did adopt insurance service.   A questionnaire was employed as a tool for gathering data the validity of which was confirmed by a group of professionals.   Also, a pilot study was conducted and Cronbach's alpha test was calculated to determine the data collection instrument reliability.   Findings revealed that there were significant differences between adopters and non-adopters of insurance services in relation to age; number of household’ work force; orchard workers experience; level of knowledge towards insurance advantages; attitude towards insurance fee; degree of risk aversion; main profession; degree of satisfaction towards received amount of loan; tonnage of pomegranate production; total amount of annual income; level of received information towards insurance.   According to discriminate analysis results, six independent variables could discriminate two groups of treatments.   "Insurance experience toward agricultural insurance" was the main discriminator in this regard.   Some recommendations have been presented to enhance adoption rate of agricultural insurance, based on research results.

Agricultural insurance is among new tools that have operated more efficiently for reducing the risks in the agriculture sector. Given that wheat is one of the strategic products among agricultural crops, to reduce its production risks through insurance of agricultural products, is highly important. However, acceptance of wheat insurance by the farmers faces some problems and bottlenecks. With regard to the fact that experience of the risk in the past years would be one of the factors influencing acceptance of insurance in the years to come, the present study was conducted in the calendar years 1384-1385 (2005-2006) to 1386-1387 (2007-2008) with an aim to making an assessment of effects of natural risks (cold and frost, floods, high temperature, heavy rains, drought, diseases, etc.) on the acceptance of wheat insurance among farmers in South Khorasan Province. The present study has used correlation-descriptive method and statistical population of the study comprises 158 wheat cultivators of South Khorasan Province who were selected through application of Cochran formula. Cities of the province were divided into three categories with regard to their wheat cultivators and one city as selected from each category. In order to increase reliability, some 200 questionnaires were distributed among farmers in Birjand, Sarayan and Sarbishe townships. The data collected from the questionnaires were analyzed with the application of SPSS software. The results showed that there is a meaningful difference between those who accept the insurance and those who reject it in terms of revenues obtained through agricultural activities, the damage sustained by factors such as hail, cold weather and drought. Also, it showed that there is a meaningful relation between variables such as record of the occurrence of damage in the farm, revenues obtained from agricultural activities, damage caused by hail and frost, the frequency of risks, farmers’ prediction of risks and assessment of fitness of premium with the variable of insurance acceptance. In this research, through application of logistic regression it as found out that the five variables including the extent of damage caused by hail, cold weather, drought, heavy rains and also history of wheat cultivation are the most effective meaningful factors on the acceptance of wheat insurance. With the application of factor analysis, seven obstacles were identified in the acceptance of wheat insurance including, educational and information bottlenecks, specialization and belief bottlenecks, bottlenecks concerning inappropriate compensation of damage, administrative bottlenecks, economical bottlenecks, bottlenecks pertaining to previous experiences and available facilities and, finally, legal bottlenecks which, in the process of acceptance of insurance, impede farmers to accept insurance.

The present research has been conducted with an aim to identify instructional factors in the insurance industry which are effective in reducing risk in husbandries of Golestan Province. Statistical population of this study includes 38621 stockbreeders of Golestan Province have were engaged in their jobs in 2008-2009. Out of this figures a group of 380 were selected and underwent studies on random sampling method. In order to collect information, interviews were made and questionnaires were used validity of which was approved by a panel of experts and its sustainability by Cronbach’s Alpha coefficient (80%). On the basis of descriptive and deducing statistics, the most threatening natural risks are heat and cold stress factor while the most significant risks of economic factors are price fluctuations in livestock products. Therefore the best strategy to combat such risks is risk management in line with which livestock insurance is among the most proper mechanisms to be applied. In this study, points of view of stockbreeders in relation to instructional factors in accepting insurance were studied in which a positive and meaningful correlation was achieved between dependent and independent variable of instructional factors. In other words, such factors play a significant role in acceptance of insurance industry in reducing risk of husbandries. Furthermore, no meaningful correction was obtained among variables of age, employment record and views of stockbreeders.