Volume 13, Issue 2 (2024)
QJIA 2024, 13(2): 89-104 |
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Moradi D, Shabanali Fami H, Barati A A, Afshari S. Analysis of Barriers to Dryland Wheat Insurance from the Perspective of Wheat Farmers in Kurdistan Province. QJIA 2024; 13 (2) :89-104
URL: http://journal.sbkiran.ir/article-1-277-en.html
URL: http://journal.sbkiran.ir/article-1-277-en.html
University of Tehran
Abstract: (286 Views)
Agriculture is considered one of the most risky activities due to its heavy reliance on nature. Agricultural insurance is one of the most suitable solutions to cope with the unpredictable nature of these risks, which can support farmers and ensure the sustainability of crop production in the country. Considering the subject's importance, this study's main objective was to examine the barriers to dryland wheat insurance from the farmers' perspective in Kurdistan province. The statistical population of this research included dryland wheat farmers (67,486 individuals) in Kurdistan province. The sample size used in this study was 135 farmers determined by G-Power software, selected through a simple random sampling technique. For data analysis, the Partial Least Squares modeling method was used through applying SmartPLS3 software. This research examined and analyzed individual-professional characteristics, the current status of wheat insurance, access to insurance, and barriers to developing dryland wheat insurance. The findings indicated that financial barriers had a path coefficient of 0.520, evaluation barriers had a path coefficient of 0.872, follow-up barriers had a path coefficient of 0.882, knowledge-information barriers had a path coefficient of 0.837, human barriers had a path coefficient of 0.603, regulatory-political barriers with a path coefficient of 0.906, and supervisory barriers with a path coefficient of 0.720 have a positive and significant impact on the development of dryland wheat insurance from the perspective of farmers in Kurdistan province. Among the barriers examined, regulatory-political barriers, damage follow-up, damage assessment, and knowledge-information barriers played the most significant roles as obstacles to the development of dryland wheat insurance. Based on the findings, it is suggested that to gain a deeper and more accurate understanding of the barriers to the development of dryland wheat insurance and to provide solutions for overcoming these barriers, a qualitative approach should be taken to examine the issue from the perspectives of dryland wheat farmers and agricultural insurance experts and agents.
Keywords: insurance development, agricultural development, agricultural risk, dryland farmers, confirmatory factor analysis.
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