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شناسایی و تحلیل موانع گسترش بیمه چغندرقند در شهرستان مشهد | ||
| چغندرقند | ||
| مقاله 9، دوره 36، شماره 1، فروردین 1399، صفحه 93-106 اصل مقاله (1.12 M) | ||
| نوع مقاله: کامل علمی - پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22092/jsb.2021.343239.1241 | ||
| نویسندگان | ||
| محمد جواد مهدی زاده راینی* 1؛ حمید محمدی2؛ سامان ضیایی3؛ محمود احمدپور برازجانی3 | ||
| 1دانشجوی دکتری اقتصاد کشاورزی دانشگاه زابل، زابل، ایران. | ||
| 2استادیار گروه اقتصاد کشاورزی دانشگاه زابل، زابل، ایران. | ||
| 3دانشیار گروه اقتصاد کشاورزی دانشگاه زابل، زابل، ایران. | ||
| چکیده | ||
| بیمه محصولات کشاورزی به عنوان یکی از ابزارهای انتقال ریسک از اهمیت بسزایی برخوردار است. چغندرقند بهعنوان یکی از محصولات زراعی مهم کشور، دارای سطح زیر کشت حدود 100 هزار هکتار است. سطح زیرکشت و تولید چغندرقند در سال زراعی 98-1397 در مشهد 750 هکتار و تولید آن حدود 27000 تن با عملکردی معادل 36 تن در هکتار است. از طرفی چغندرقند یکی از محصولات مهم در شهرستان مشهد بهشمار میرود که همه ساله بخش زیادی از تولیدات آن به دلیل وقوع مخاطرات طبیعی، انسانی و عمدی دچار خسارت میشود. این مطالعه با هدف شناسایی و تحلیل موانع گسترش بیمه چغندرقند در شهرستان مشهد با استفاده از الگوی معادلات ساختاری در سال 1397 انجام شد. پژوهش حاضر مبتنی بر روش توصیفی- همبستگی، ابزار جمعآوری دادهها، پرسشنامه و جامعه آماری پژوهش را چغندرکاران شهرستان مشهد تشکیل دادند. جهت تعیین حجم نمونه از روش نمونهگیری تصادفی ساده و از فرمول کوکران بهره گرفته شد. در نهایت، حجم نمونه 150 نفر برآورد شد. به منظور آزمون فرضیههای تحقیق از نرم افزارSmart PLS و مدل تحلیل مسیر استفاده شد. نتایج نشان داد که ضعفهای اجرایی با ضریب مسیر 0/166، ضعف محیطی وابسته به اراضی با ضریب مسیر 0/134، موانع فردی-دانشی با ضریب مسیر 0/151، ناهماهنگی نهادی با ضریب مسیر 0/121، کمبود نیروی انسانی-اطلاعرسانی با ضریب مسیر 0/152، ضعفهای اداری-کارشناسی با ضریب مسیر 0/129، ضعفهای ارزیابی- تدارکاتی با ضریب مسیر 0/101، مشکلات مرتبط با پیگیری خسارت با ضریب مسیر 0/102، نارضایتی از عدم پرداخت بیمه و رفتار نامناسب کارشناسان با ضریب مسیر 0/112، هزینههای بیمه با ضریب مسیر 0/119 و برآورد غیر اصولی خسارت با ضریب مسیر 0/114 بر عدم گسترش بیمه چغندرقند در شهرستان مشهد تأثیر مثبت و معنیداری دارد. با توجه به یافتههای تحقیق پیشنهاد میشود، در روند فعلی تجدید نظر شود و چارچوب اداری و فرآیند کاری پرداخت غرامت به خسارتدیدگان تسهیل و تسریع گردد. | ||
| کلیدواژهها | ||
| بیمه محصولات؛ چغندرقند؛ معادلات ساختاری | ||
| عنوان مقاله [English] | ||
| Identification and analysis of barriers in extension of sugar beet insurance in Mashhad county | ||
| نویسندگان [English] | ||
| Mohammadjavad Mehdizadeh rayeni1؛ Hamid Mohammadi2؛ saman ziaee3؛ mahmoud ahmadpour3 | ||
| 1PhD student in Agricultural Economics, Zabol University, Zabol, Iran. | ||
| 2Assistant Professor, Department of Agricultural Economics, Zabol University, Zabol, Iran. | ||
| 3Associate Professor, Department of Agricultural Economics, Zabol University, Zabol, Iran. | ||
| چکیده [English] | ||
| Agricultural insurance as a means of the risk transfer is a very important tool. Sugar beet, as one of the most important crops in the country, has a cultivated area of about 100000 hectares. The area under cultivation of sugar beet in Mashhad was 750 hectares with about 27,000 tons production (yield equivalent to 36 tha-1) in 2018-19. On the other hand, sugar beet is one of the most important products in Mashhad, and every year a large part of its products is damaged due to natural, human and intentional hazards. The aim of this study was to identify and analyze the barriers of sugar beet insurance extension in Mashhad using the structural equation model in 2018. The study was based on descriptive-correlation method, data collection tool, questionnaire and the statistical population of the study consisted of beet growers in Mashhad. To determine the sample size, simple random sampling method and Cochran's formula were used. Finally, the sample size was estimated to 150 persons. In order to test the research hypotheses, Smart PLS software and path analysis model was used. The results showed that executive weaknesses with path coefficient of 0.166, land-related environmental weakness with path coefficient of 0.134, individual-knowledge barriers with path coefficient of 0.151, institutional inconsistency with path coefficient of 0.121, manpower shortage- Information with path coefficient of 0.152, administrative-expert weaknesses with path coefficient of 0.129, evaluation-procurement weaknesses with path coefficient of 0.101, problems related to damage follow-up with path coefficient of 0.102, dissatisfaction with non-payment of insurance and inappropriate behavior of experts with the path coefficient with path coefficient of 0.112, insurance costs with a path coefficient of 0.119 and unprincipled estimation of damage with a path coefficient of 0.104 have a positive and significant effect on the non-expansion of sugar beet insurance in Mashhad. According to the results, it is suggested to review the current process and to facilitate and accelerate the administrative framework and work process of compensating the victims. | ||
| کلیدواژهها [English] | ||
| Insurance, Structural equations, Sugar beet | ||
| مراجع | ||
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