دوره 12، شماره 45 - ( 1394 )
جلد 12 شماره 45 صفحات 84-55 |
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Zarafshani K, Afshar N, shahmoradi M, Arabi R, Leys N, Azimi N. Evaluation of Stakeholders' Satisfaction Towards Agricultural
Insurance
A Case of Rain fed Wheat Farmers in Dorood faraman Township in
Kermanshah Province. QJIA 2015; 12 (45) :55-84
URL: http://journal.sbkiran.ir/article-1-41-fa.html
URL: http://journal.sbkiran.ir/article-1-41-fa.html
زرافشانی کیومرث، افشار نسرین، شاهمرادی مهنا، عربی روناک، لیث نادر، عظیمی نرگس. ارزیابی رضایتمندی از فرایند بیمه کشاورزی از دیدگاه ذینفعان
پژوهش کیفی موردی: دهستان درودفرامان استان کرمانشاه. فصلنامه بیمه و کشاورزی. 1394; 12 (45) :55-84
چکیده: (319 مشاهده)
Abstract
Wheat farmers in general and rain fed farmers in particular are faced with natural hazards
such as drought. In Kermanshah Province, rain fed farmers are challenged by drought,
frost, and dust storm. To overcome this dilemma, agricultural policy makers have
provided crop insurance to rain fed farmers in order to promote risk management and
reduce production risk. Because of complex nature of crop insurance in one hand and
recurrent event of natural and man made disasters in other hand, continuous evaluation
of crop insurance in terms of stakeholders' satisfaction is imperative. Therefore, the
purpose of this qualitative study was to evaluate the process of crop insurance in terms
of stakeholder satisfaction using participatory evaluation and grounded theory. By
Using purposeful sampling, insured rain fed farmers, crop insurance extension agents,
and agricultural bank specialists all had participated in this study. The result of content
analysis revealed three major themes: 1) infrastructural factors, 2) attitudinal factors,
3) administrative factors. The infrastructural factors include: ineffective crop insurance
structure, lack of job security for private insurance agents, small scale farming systems,
limited insurance coverage, and weak coordination between agricultural organization and
other related offices. The attitudinal factors include: lack of crop insurance knowledge
among farmers, weak crop insurance culture, lack of trust among farmers and private
insurance agents. The administrative factors include: delays in paying damages, and
unrealistic damage estimation. Based on the results, the following recommendations are
proposed: standardizing damage estimation, redefining crop insurance premiums, and
using information communication to institutionalizing crop insurance culture among
rural population.
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