مقایسه ی کاربردی لاجیت، پروبیت و توبیت در بررسی عوامل موثر بر پذیرش بیمه زعفران مطالعه موردی:شهرستان قاین

نوع مقاله: مقاله علمی پژوهشی

نویسندگان

1 دانشجوی دکتری گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد.

2 استاد گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد.

3 دانشجوی کارشناسی ارشد گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد.

چکیده

بیمه محصولات کشاورزی را می‌توان یکی از اهرم‌های توسعه کشاورزی دانست؛ زیرا با استفاده از آن هم می‌توان امنیت بیشتری برای تولیدکنندگان محصولات کشاورزی فراهم ساخت و هم شرایط مطلوبتری برای جلب و جذب سرمایه‌های خصوصی در بخش کشاورزی فراهم آورد. در این مطالعه تلاش شده است تا با استفاده اطلاعات حاصل از 118 کشاورز زعفران کار شهرستان قاین در سال 1392 و بهره‎گیری از سه الگوی لاجیت، پروبیت و دومرحله‌ای هکمن توبیت عوامل تأثیرگذار بر پذیرش بیمه زعفران مورد بررسی قرار گیرد. نتایج نشان داد که از بین الگوهای برآوردی، روش دو مرحله‌ای هکمن به دلیل اینکه می‌تواند میان عوامل مؤثر بر پذیرش بیمه و نیز عوامل مؤثر بر سطح بیمه‌گذاری تمایز قائل شود، از قوت بیشتری برخودار است. نتایج به دست آمده از متغیرهای الگو با هر سه مدل برآوردی نشان می‌دهد که متغیرهای تحصیلات کشاورز، درآمد سالیانه، استفاده از تسهیلات بانکی، سطح زیرکشت، استفاده از خدمات آموزشی مروجان، شاخص دانش بیمه‌ای و شاخص دانش فنی زراعی دارای تأثیر مثبت بر پذیرش و بیمه‌گذاری زعفران دارد و تنها متغیر سن دارای تأثیر منفی براقدام به بیمه‌گذاری و میزان بیمه‌گذاری زعفران دارد. با توجه به نتایج استفاده از دوره‎های آموزشی در خصوص مزایای بیمه محصول در مناطق روستایی و نیز افزایش سطح آگاهی کشاورز از انواع خدمات‎دهی صندوق‎های بیمه، زمان بیمه نمودن و میزان حق بیمه، توجه بیشتر مسئولان صندوق بیمه کشاورزی به سطوح درآمدی مختلف و تدوین راهکارهایی جهت گسترش استفاده از تسهیلات بانکی برای کشاورزان به عنوان پیشنهاد مطرح می‌گردد.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

Comparison of logit, probit and tobit in the factors affecting the adoption of saffron insurance Case study: Qaen city

نویسندگان [English]

  • Hossein Mohammadzadeh 1
  • Alireza Karbasi 2
  • Maryam Kashefi 3
1 Ph. D Student of Agriculture Economic, Ferdowsi University of Mashhad, Mashhad.
2 Professor of Agricultural Economic, Ferdowsi University of Mashhad, Mashhad.
3 M. Sc. Student of Agriculture Economic, Ferdowsi University of Mashhad, Mashhad.
چکیده [English]

Insurance for agricultural products can be considered to be one of the levers of agricultural development since its use can provide greater security for agricultural producers and provide more favorable conditions for attracting private investment in the agriculture sector. In this study, we used the data which was gathered in 2013 from 118 Qaeni Saffron farmers and examined the factors that affect the acceptance of Saffron insurance using Logit, Probit and Heckman two-stage Tobit. The results showed that among the estimated models, since Heckman two-stage can distinguish between the factors influencing the adoption of insurance and the factors affecting it, it is more strength paramount. The results of estimation of variables with the three models showed that farmer education, annual income, the usage of banking facilities, area under cultivation, educational services of agricultural demonstrators, insurance knowledge index and technical-crop knowledge index have a positive impact on the acceptance and insurance of saffron, and only the age variable has a negative impact on the insurance and the amount of the saffron insurance. According to the results, training courses on the benefits of crop insurance in rural areas and increasing farmers awareness of the types of insurance fund services, the insurance period and premium amount, consideration of the officials in charge of the agricultural insurance fund regarding the different income levels and development strategies to expand the use of banking facilities for farmers was suggested.

کلیدواژه‌ها [English]

  • Insurance
  • Saffron
  • Qaen City

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