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Davoodi J, ba khoda H. Study of Effective Factors Contributing to Risk Management’s Major Agricultural Productions by Emphasizing on the Role of Agricultural Insurance Case Study: Garden Products of Alborz Province. QJIA 2015; 12 (44) :45-68
URL: http://journal.sbkiran.ir/article-1-34-fa.html

Agriculture is one of the most important parts of Iran’s economy .  Unstable climate
and unpredictable variable nature of phenomena and natural disasters, have resulted
in an uncertain future for agriculture and farmers source of income.   A wide range of
strategies have been suggested by risk management in order to try to control or the
least reduce negative effects of agricultural productive activities.   Insurance is one of
the recent methods facing these risks, in which the insurer guarantees to compensate
the probable detriments that may occur for the insured in a certain period of time.  
Therefore the present study has applied fluctuation criterion to measure standard
deviations by analyzing and assessing the number of insured people, indemnities, the
quantity of insured, premium, and the amount of indemnities.   Due to equal effect of
social and economic conditions on all the arboretum yields and limited scope of the
province these factors were assumed to have the same standard deviation.   The results
of the survey clustered upon the peril coefficient and was analyzed by the SWOT
model.   The best outcome strategies were prioritized as listed below.  
-Prehension state subsidies privileges must be subjected only by insuring the Garden
Products .  
-Rebate bonus of perils based on the current premium of Garden Products .  
-The premium of Garden Products must differ upon the local peril coefficient.