Analysis of factors affecting the development of horticulture products insurance in the south Kerman province

Amrikochomi, Somayeh; CHoobchian, SHahla; Sadighi, Hasan

doi:10.22048/rdsj.2018.63147.1587

Analysis of factors affecting the development of horticulture products insurance in the south Kerman province

Document Type : Original Research

Authors

Somayeh Amrikochomi ¹

SHahla CHoobchian ²

Hasan Sadighi ³

¹ MSc student Agricultural Development Department of Agricultural Extension and Education College of Agriculture Tarbiat Modares University Tehran, Iran.

² Assistant Professor of Agricultural Development Department of Agricultural Extension and Education College of Agriculture Tarbiat Modares University Tehran, Iran.

³ Assosiat Professor of Agricultural Development Department of Agricultural Extension and Education College of Agriculture Tarbiat Modares University Tehran, Iran.

https://doi.org/10.22048/rdsj.2018.63147.1587

Abstract

Agriculture and its related activities have characteristics that make them vulnerable to multiple and unpredictable risks and damages that could cause extensive problems. Risk management is of great importance and a risk management tool in agriculture is agricultural product insurance. , Insurance is the best mechanism to solve the many problems of farmers. The aim of this study is "Analysis of factors affecting the development of horticulture products insurance (palm and orange) in the south Kerman province". Data were collected by questionnaire and the statistical population included 2022 of gardeners of south Kerman (Jiroft city and Kahnooj). The sample size was 324 people and the convenience sampling technique was used to select samples for the research. The questionnaire’s reliability through Cronbach's alpha was obtained. Linear regression analysis showed that among the studied variables, four factors including economic factor, knowledge, attitude towards horticulture products insurance and the risk taking of the farmers, had the greatest impact on the horticulture products insurance, totally 54 percent of the dependent variable was explained. Given that, economic factor is known as the most important factor in the development of horticultural crops insurance. It is suggested that the amount of compensation to horticultural products be revised and specified compensation in the contract be paid on time to the farmers. Also, according to field observations, it should be mentioned that most of the farmers were unaware of agricultural loans. Therefore, in order to further increase the awareness of farmers in this area, immediate actions should be taken and governments can play a significant role in this respect.

collectively 54 percent of the dependent variable was explained. Given that, economic factor known as the most important factor in the development of horticultural crops insurance, it is suggested that the amount of compensation to horticultural products be revised and specified compensation in the contract be payed on time to the farmers.

Keywords

Insurance

Horticultural Crops

farmers

Damage

natural disasters