Volume 13, Issue 2 (2024)
QJIA 2024, 13(2): 33-45 |
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Ghazi Jirdehi, M A, Allahyari M S, Askari Bozayeh F. Affecting factors the reluctance of cold-water fish farmers in Guilan province to use agricultural insurance fund services. QJIA 2024; 13 (2) :33-45
URL: http://journal.sbkiran.ir/article-1-271-en.html
URL: http://journal.sbkiran.ir/article-1-271-en.html
Department of agricultural management, Rasht Branch,Islamic Azad University, Rasht, Iran
Abstract: (485 Views)
Despite the global growth of agricultural insurance as a production support tool, its penetration rate in the fisheries sector is very low, especially in developing countries. In this regard, the affecting factors of the unwillingness of the breeders of cold water fish in Gilan province to use the services of the Agricultural Insurance Fund. In terms of the dominant "quantitative and applied" approach, in terms of the method of controlling the component of descriptive (non-experimental) research, it was of causal-comparison type and in terms of data collection method, it was of field type. With questionnaire, the personal and demographic characteristics of 122 cold water fish breeders in Gilan province (available sample) and the factors affecting the non-acceptance of insurance recorted. In order to determine the form and content validity of the questionnaire, experts were used and its reliability was calculated based on Cranach’s alpha of 0.96, which indicates the reliability of the measuring tool. The results indicate that 64.8% of the respondents do not want to use product insurance in the next year. Uncertainty of payment of the compensation amount, the long-time interval when the damage occurs until the payment of the compensation amount, the existence of strict rules in the payment of compensation to the insurer, the insufficient duration of the insurance coverage and the application of personal tastes in the assessment of damages are five key factors with They were the most influential, which explain a total of 66.4 percent of the changes in unwillingness to use the services of the Agricultural Products Insurance Fund. Therefore, the Agricultural Insurance Fund can be effective in increasing the insurance penetration rate in the fisheries sector by adopting the necessary policies to gain the trust of farmers.
Keywords: Loss Assessment, Payment of Damages, Insurance Coverage, Support Services, Risk Management.
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