Factors Influencing the Policyholders’ Satisfaction with the Performance of Insurance Fund in the Field of Agricultural Products: the Case Study of Wheat Growers in Ilam

محورهای موضوعی : Environmental policy and management

Esfandyar Mohammadi ¹ , Roya Eshraghi ²

1 - Management Department, University of Ilam, Iran.
2 - Faculty of Agriculture, Islamic Azad University, Ilam Branch, Ilam, Iran.

تاریخ دریافت : 1394/02/05 تاریخ پذیرش : 1394/05/08 تاریخ انتشار : 1394/09/10

کلید واژه: satisfaction, Ilam province, Agricultural insurance fund, Policyholders,

چکیده مقاله :

Since insuring agricultural products is one of the effective instruments for risk management in agricultural sector, it can reduce risk avoidance among farmers and increase their competence in using production factors and, consequently, increases their inclination towards investment in agricultural sectors. The purpose of the current study was to investigate the factors influencing policyholders’ satisfaction with the performance of insurance funds in the field of agricultural products. Statistical population consisted of all farmers (wheat growers) living in Ilam Province who had insured their products in 2014. The population for this search was policyholders of agricultural insurance fund in Ilam township that amounted to 250 out of which 158 ones were sampled by Morgan’s sampling table and simple random method of sampling. A questionnaire was utilized as a data collection instrument. The reliability and validity of this instrument was verified by the judgments of the experts of Islamic Azad University of Ilam and Cronbach alpha coefficients (estimated to be 0.80). The data were analyzed by descriptive and inferential statistics using SPSSwin19 Software Package. It was found out that 68% of variations in policyholders’ satisfaction with the performance of insurance fund in the field of agricultural products were influenced by variables such as orientations towards insuring products, the performance of insurance fund, providing services and facilities by the insurance fund, and the promptness and skill of insurance fund employees.

چکیده انگلیسی:

نظر به این­که بیمۀ محصولات کشاورزی یکی از ابزارهای مؤثر مدیریت ریسک در بخش کشاورزی به شمار می­رود، لذا موجب کاهش ریسک­گریزی کشاورزان و افزایش کارآیی آنان در استفادۀ بهینه از عوامل تولید و تمایل به سرمایه­گذاری بیشتر در بخش کشاورزی می­شود. به­طوری که رضایت­مندی بیمه­گزاران فعلی موجب گسترش مشارکت کشاورزان در برنامه­های بیمه می­شود. در این راستا، هدف این پژوهش، بررسی عوامل مؤثر بر رضایت­مندی بیمه­گزاران شهرستان ایلام از عملکرد صندوق بیمۀ محصولات کشاورزی بود. جامعه آماری این پژوهش را کشاورزان گندم­کار ساکن شهرستان ایلام که در سال زراعی 1392 اقدام به بیمه محصول گندم خود نموده­ بودند، تشکیل داد (158=N)؛ که با توجه به تعداد محدود این افراد، کلیۀ آنان با استفاده از روش سرشماری مورد مطالعه قرار گرفتند. ابزار گردآوری داده پرسشنامه­ای بود که روایی و پایایی آن با استفاده از نظرات اساتید دانشگاه آزاد اسلامی ایلام و ضریب آلفای کرونباخ (0/80) تأیید شد. تجزیه و تحلیل داده­ها در دو بخش آمار توصیفی و استنباطی با استفاده از نرم­افزار SPSSwin19انجام شد. نتایج نشان داد که 68 درصد از تغییرات رضایت­مندی بیمه­گزاران شهرستان ایلام از عملکرد صندوق بیمۀ محصولات کشاورزی، توسط متغیرهای نگرش نسبت به بیمه محصولات، عملکرد صندوق بیمه، ارائه خدمات و تسهیلات توسط صندوق بیمه، میزان سرعت عمل و مهارت کارکنان صندوق بیمه تبیین می­شود. نتایج این مطالعه، می­تواند دستاوردهایی برای صندوق بیمۀ محصولات کشاورزی در راستای گسترش این خدمات در سطح کشور داشته باشد.

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