Rural Development Strategies

Effective Strategies for the Development of Strategic Date palm Product Insurance and Its Role in the Sustainability of Rural Settlements (Case Study: Southern Bam Posht Region, Saravan County)

Document Type : Original Research

Authors

ARSALAN BINYAZ 1
Mahmoud Mohammadi 2

1 Assistant Professor of Agricultural Economics at Payam Noor University

2 Assistant Professor, Department of Economic Sciences Payame Noor University of Iran, Tehran.

https://doi.org/10.22048/rdsj.2026.471633.2188
Abstract
This study was conducted in 2024 with the aim of investigating effective strategies for developing insurance for the strategic product of dates and its role in the sustainability of rural settlements in the southern part of Bam Pasht, Saravan County. Therefore, it is an applied study with an interpretive and analytical nature, and methodologically, it falls within the group of qualitative and quantitative research. In this study, the statistical population was divided into two groups: experts and local residents. For the expert section, 30 individuals were selected using purposive sampling to leverage their experience and expertise. For the local residents section, whose population totaled 25,026 people, a sample size of 384 individuals was determined using Cochran's formula and random sampling, so that the obtained results could be generalized to the entire population. Grounded Theory and SPSS software were used to analyze the data. The results of the qualitative phase extracted the following as effective strategies for developing insurance for the strategic date product: strengthening the decentralized structure in agricultural product insurance, adopting compulsory agricultural product insurance, agricultural risk management, enhancing farmers' satisfaction with the insurance fund, raising awareness about the importance of the strategic date product and the objectives of insurance, participatory management, continuous monitoring and encouragement, and the sustainability of insurance and agricultural products. In the quantitative phase, the results of the Spearman correlation test for economic, social, physical, and environmental indicators, with a correlation coefficient obtained at a significance level of 0.000, indicated a positive and significant relationship between the indicators and the proposed strategies. Furthermore, regression results showed that 95% of the changes in the dependent variable (sustainability of rural settlements) were explained by the eight proposed strategies. The share of the 'strategic date product risk management' strategy in predicting changes in the dependent variable (sustainability of rural settlements) was greater than that of other components. Based on path analysis, the direct effects of each proposed strategy on the sustainability of rural settlements in the southern part were greater than their indirect effects. Among the proposed strategies, 'agricultural risk management' and 'enhancing farmers' satisfaction with the insurance fund' had the greatest direct effect, with a value of 0.145. Based on the study's results, implementing a decentralized and participatory insurance system for the date product is proposed as the ultimate solution. This system should focus on risk management and increasing farmers' satisfaction, as these two factors have the most direct impact on stabilizing rural settlements.

Keywords

Insurance
Strategic agricultural products
Sustainability
Rural settlements
The southern part of Bam Posht Saravan
Subjects
جوادیان.، س.ا، و فرزانـه.، د. (1383). عملکـرد و تجربه­هـای بیمـه کشـاورزی در ایـران، دومیـن همایـش علمـی بیمـه کشـاورزی، توسـعه و امنیـت سـرمایه­گذاری. صنـدوق بیمـه محصـوالت کشـاورزی، تهـران. 30-31 شـهریور.
جوان،. آ، اسماعیلی،. ر، و واحدپور، م. (1401). نقش بیمه محصولات استراتژیک کشاورزی در توسعه اقتصادی اجتماعی مناطق روستایی (مورد مطالعه: استان گیلان). مجله روستا و توسعه پایدار فضا. 3(1)، 117-136.  10.22077/vssd.2022.5102.1080
خالدی.، ک، و حیدری.، ر. (1402). نقش بیمه کشاورزی بر اقتصاد روستایی ایران با تمرکز بر بخش کشاورزی. روستا و توسعه. 26(101)، 251-274.  10.30490/rvt.2023.356374.1411
خوشنام، م. (1403). توصیف وضعیت موجود و ارائه راهکارهای توسعه فرهنگ بیمه کشاورزی. فصلنامه پژوهش­های برنامه و توسعه. 4(16)، 169-197. 10.22034/pbr.2024.440408.1404
ریاحی.، و، عزیزپور.، ف، نوری، و آ. (1395). تحلیل سطح پایداری محیطی سکونتگاه­های روستایی در شهرستان خرمدره. فصلنامه راهبردهای توسعه روستایی. 3(2)، 155-173. https://doi.org/10.22048/rdsj.2016.38655
شاهنوشی فروشانی.، ن، رفیعی دارایی.، ه، و عدالتیان، ع. (1390). بررسـی عوامـل سـاختاری و عملکـردی مؤثّر بـر رضایت بیمه­گـذاران از بیمـه محصـوالت کشـاورزی: مطالعـه مـوردی اسـتان خراسـان رضـوی، اقتصـاد کشـاورزی. 5(1). 103-121.  https://profdoc.um.ac.ir/paper-abstract-1027226.html
شایان.، م، قنبری.، س، و بذرافشان.، ج. (1397). سطح­بندی و تحلیل وضعیت پایداری در سکونتگاه­های روستایی موردشناسی: شهرستان زرین دشت. جغرافیا و آمایش شهری-منطقه­ای. 26(2)، 179-196. 10.22111/gaij.2018.3633
قاسمی.، م، و داورزنی.، ع. (1400). راهبردهای توسعه بیمه محصولات کشاورزی در بین کشاورزان خرده مالک (مطالعه موردی: دهستان تبادکان شهرستان مشهد). پژوهشنامه بیمه. 36(2)، 69-100. https://doi.org/10.22056/ijir.2021.02.03
قاسمیان.، س، دوراندیش.، آ، قربانی.، م، و سخی.، ف. (1403). بررسی عوامل مؤثّر بر کاهش تقاضای بیمه محصولات کشاورزی (مطالعه موردی: گندم‎کاران شهرستان تربت جام. فصلنامه راهبردهای توسعه روستایی، 11(1)، 96-116. 10.22048/rdsj.2024.395458.2096
کریم.، م.ح، و طولابی­نژاد.، م. (1400). راهبردهای احیای کشاورزی در راستای تجدید حیات مناطق روستایی. فصلنامه اقتصاد فضا و توسعه روستایی. 10(4)، 17-42. ‎ 20.1001.1.23222131.1400.10.38.2.6
میرزایی.، ع، و زیبایی، م. (1393). بررسی عوامل مؤثّر بر پذیرش گزینه های بیمه تکمیلی پسته در رفسنجان. اقتصاد و توسعه کشاورزی (علوم و صنایع کشاورزی)، 28(1)، 26-34.  10.22067/jead2.v1391i6.21074
نیکزادی­پناه.، م، عزیزی.، ج، و زراعت کیش.، س.ی. (1399). بررسی عوامل کارآمد بر پذیرش بیمه تکمیلی محصولات کشاورزی (مطالعه موردی کشاورزان استان البرز). تحقیقات اقتصاد کشاورزی. 12(4)، 1-22.  dor 20.1001.1.20086407.1399.12.48.1.7
هدایتی­مقدم.، ز،. صیدایی.، س.ا، نوری.، س.ه. (1394). سنجش میزان پایداری نواحی روستایی با استفاده از تکنیک­های تصمیم­گیری چندشاخصه (مطالعه موردی روستاهای شهرستان فلاروجان). مجله جغرافیا و توسعه ناحیه­ای، 1(1)، 91-112. https://doi.org/10.22067/geography.v13i1.35861
Bakker, E.J. (1990). Demand for rainfall insurance in the semi-arid tropics in the India. Journal of Resource Management Program, 4, 101-151. https://www.scirp.org/reference/referencespapers?referenceid=2564559
Bannor, R.K., Oppong-Kyeremeh, H., Amfo, B., Kuwornu, J.K., Kyire, S.K.C. & Amponsah, J. (2023). Agricultural insurance and risk management among poultry farmers in Ghana: an application of discrete choice experiment. Journal of Agriculture and Food Research, 11, 100492. https://doi.org/10.1016/j.jafr.2022.100492
Hazarika., C. & Yasmin., S. (2018). Adaptability of Crop Insurance as a Risk Mitigation Mechanism by the Farmers of Assam– An Analysis of Modified National Agricultural Insurance Scheme (MNAIS), Journal of Advanced Agricultural Technologies, 5(1), 58-62. Doi: 10.18178/joaat.5.1.58-
Hernik., J, Noszczyk., T, & Rutkowska., A. (2019). Towards a better understanding of the variables that influence renewable energy sources in eastern Poland. Journal of Cleaner Production, 241(3), 118-123. https://doi.org/10.1016/j.jclepro.2019.118075
Nesterchuk., Y, Prokopchuk., O, Tsymbalyuk., Y, Rolinskyi., O. & Bilan., Y. (2018). Current status and prospects of development of the system of agrarian insurance in Ukraine. Investment Management & Financial Innovations, 15(3), 56-79. http://dx.doi.org/10.21511/imfi.15(3).2018.05
Si., C, Li., Y, & Jiang., W. (2023). Effect of Insurance Subsidies on Agricultural Land-Use. International Journal of Environmental Research and Public Health, 20(2), 14-93. https://doi.org/10.3390/ijerph20021493
Sibiko., K.W., Veettil., P.C. & Qaim., M. (2016). Small farmers’ preferences for weather index insurance: Insights from Kenya. Fifth International Conference, September 23-26.
Singh., A.S. & Hlophe., N.M. (2017). Factors affecting adoption of livestock insurance: a case study of livestock farmers in Manzini Region, Swaziland, Research Journal of Agriculture and Forestry Sciences, 5(8), 6-14. https://www.isca.in/AGRI_FORESTRY/Archive/v5/i8/2.ISCA-RJAFS-2017-029.php
Standar., A, Kozera., A, & Satoła., L. (2021). The Importance of Local Investments Co -Financed by the European Union in the Field of Renewable Energy Sources in Rural Areas of Poland. Energies, 14(2), 450–470. https://doi.org/10.1016/j.rser.2024.114530
Timu., A.G., & Kramer., B. (2023). Gender-inclusive,-responsive, and-transformative agricultural insurance: A literature review. Global Food Security, 36, 100672. https://doi.org/10.1016/j.gfs.2023.100672
Vandeveer, M.L. (2001). Demand for area crop insurance among litchi producers in northern Vietnam. Journal of Agricultural Economics, 26(2), 173-184. https://doi.org/10.1016/S0169-5150(00)00108-0
Weiss., M, Jacob., F., & Duveiller., G. (2020). Remote sensing for agricultural applications: A meta review. Remote Sensing of Environment, 236(1), 111 -122. https://doi.org/10.1016/j.rse.2019.111402
Zhichkin., K, Nosov., V, Zhichkina., L, Tarakanov., A, Zhenzhebir., V. & Sterlikov., F. (2020). Formalized model of agricultural insurance development strategy as an element of industry management digitalization. IOP Conference Series Materials Science and Engineering 941: 012025. DOI 10.1088/1757-899X/941/1/012025
Zhong., L. Nie., J. Yue., X. & Jin., M. (2023).Optimal design of agricultural insurance subsidies under the risk of extreme weather. International Journal of Production Economics, Volume 263, September 2023, 108920. https://doi.org/10.1016/j.ijpe.2023.108920
 
 
 
Rural Development Strategies
Volume 12, Issue 3
Autumn 2026
Pages 465-482

Home

Submit Manuscript

Reviewers

Contact Us