تحلیل SWOT توسعه بیمه خرد کشاورزی در مناطق روستایی ایران

محورهای موضوعی : فصلنامه علمی -پژوهشی تحقیقات اقتصاد کشاورزی

اردشیر مصباح ¹ , مریم امیدی نجف آبادی ² , علی کیانی راد ³

1 - گروه توسعه روستایی، دانشگاه آزاد اسلامی واحد علوم و تحقیقات، تهران، ایران
2 - دانشیار گروه توسعه روستایی، دانشگاه آزاد اسلامی، واحد علوم و تحقیقات، تهران، ایران
3 - استادیار مؤسسه پژوهش‌های برنامه ریزی و اقتصاد کشاورزی وزارت جهاد کشاورزی

تاریخ دریافت : 1396/05/28 تاریخ پذیرش : 1397/04/06 تاریخ انتشار : 1401/05/01

کلید واژه: ریسک, مکانیزم, اشخاص آسیب‌پذیر, ترویجی – آموزشی, غیرانتفاعی,

چکیده مقاله :

بیمه خرد مکانیزمی‌ است که براساس آن اشخاص آسیب‌پذیر می‌توانند ریسک‌‌های مختلفی را که با آن‌ها مواجه‌اند، مدیریت و جبران نمایند. هدف این پژوهش، تحلیل SWOT توسعه بیمه خرد کشاورزی در مناطق روستایی ایران، روش پژوهش از نوع کاربردی و جامعه آماری آن کارشناسان آشنا با بیمه‌های خرد بود که تعداد آنها 42 نفر می‌باشد و برای انتخاب آنها از روش سرشماری استفاده شد. ابزار اصلی جمع‌آوری اطلاعات، پرسشنامه محقق ساخته بود که روایی آن توسط اساتید توسعه روستایی، پایایی آن با آزمون مقدماتی و تجزیه و تحلیل آن بوسیله نرم‌افزارهای Excel و SPSS22 انجام پذیرفت. نتایج نشان داد که استراتژی بازنگری (WO) با کسب امتیاز وزنی 58/19، مهمترین استراتژی توسعه بیمه خرد کشاورزی در مناطق روستایی ایران می‌باشد. بر این اساس پیشنهاد می‌گردد "مرتفع ساختن نیاز ضرورت وجود ابزار آموزشی برای توصیف فواید بیمه خرد با استفاده از توسعه یک شبکه قوی برای بیمه‌های خرد، شامل یک انجمن با استفاده از مشارکت روستاییان که تاکید بر بخش ترویجی - آموزشی با بهره‌گیری از مشارکت و همکاری روستاییان به صورت ایجاد سازمان‌های غیرانتفاعی" صورت گیرد.

چکیده انگلیسی:

Microinsurance is a mechanism by which vulnerable people can manage and compensate for the various risks they face. The purpose of this research was SWOT analysis of agricultural micro-agriculture insurance in rural areas of Iran. The research method was applied and its statistical population was micro-insurance experts with 42 people. The census method was used for selecting them. The main instrument of data collection was a researcher-made questionnaire whose validity was assessed by rural development professors, its reliability was tested by preliminary tests and analyzed by Excel and SPSS-22 software. The results showed that the review strategy (WO) with a weight gain of 19.58, is the most important strategy for the development of agricultural welfare insurance in rural areas of Iran. Accordingly, it is suggested that "the need to eliminate the need for the availability of educational tools to describe the benefits of microfinance through the development of a strong network for micro-insurance, including a community using village participation emphasizing the educational-wise use of partnership and cooperation Villagers being created as non-profit organizations".

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