Document Type: Original Article
Young researcher and elite club, Science and Research Branch, Islamic Azad university, Tehran,Iran
Crop insurance is an appropriate way to overcome the risk in agricultural production sector and increase farmer’s peace of mind for their future income. In the agricultural sector of Kohgiluyeh and Boyer Ahmad, the risk of production is high due to the substantial losses of crops and other diseases and so is the income risk. Since most local farmers have low incomes and livelihoods, natural disasters and diseases can cause irreparable damages on their livelihood. In this regard, crop insurance is one of the most supportive mechanisms to reduce instability and confronting to the unpredictable nature of these risks. But insurance can be effective on the production and income only if factors affecting insurance demand by farmers are identified and it covers a wide range of farmers. The aim of this study is to investigate factors affecting the development of insurance acceptance by ornamental flowers producers in Kohgiluyeh and Boyer Ahmad province. In this study, data were collected by a questionnaire randomly and logit model was evaluated with an emphasis on the production of ornamental flowers. Results reflect the influence of multiple economic and social factors on demand and acceptance of insurance by farmers.
• The results show that there is a positive relationship the participation in promotion classes or contact with promotion agents and insurance experts and insurance acceptance by farmers.
• There is no significant relationship between the number of loans taken by farmer, farmers side job and farmers job experience with the acceptance and demand of crop insurance by farmer.
•The results of risk background variable show that there is a significant positive relationship between the variable and insurance acceptance by farmer.