عنوان مقاله [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.
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