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Bafandeh Imandoust S, ahmadpour Z. Insurance Adoption from Barberry Farmers in Ghayen City. QJIA 2015; 12 (43) :135-159
URL: http://journal.sbkiran.ir/article-1-31-fa.html

Agriculture has always been a risky economic activities. Because of low
farmer,s income, social and economic harms of these events are clearer in
developing countries. For these reasons, the Agricultural insurance can be
one of the ways of agricultural development. According to the fact that
insurance, like any other modern phenomenon may face hurdles due to
tissue-specific of rural areas and agriculture conditions, Therefore doing
various research to identify obstacles in this regard and to remove them in
order to explain insurance acceptance in agricultural products is necessary
all the time. Also since the amount of the success and efficiency of
agricultural insurance policy significantly depends on tendency to farmers
insurance products is their, Therefore some studies in order to acceptance
the insurance by farmers are so important. Considering the low statistics in
the farmers insurance and also lack of accepting the insurance of
agricultural products by these farmers; in this research has been to try to
investigate the acceptance insurance effective factors by Using the
information of 118 Barberry farmer in Ghayen in 1392 and also using
Logit, Probit and Tobit models. Obtained results show that Tobit model is
better than tow others because of the ability to respect the distinction
between effective factors on the acceptance insurance. Also obtained
results from this three models showed that some factors have positive
effect on the acceptance insurance (farmer education, annual income, use
of banking facilities, under cultivation, use of education services, the index
of insurance knowledge, index of technical knowledge and farming) and
just one factor (age of farmer) has negation effect on the acceptane
insurance.