INVESTIGATION OF EFFECTIVE FACTORS ON WHEAT CROP INSURANCE ACCEPTANCE IN IRAN (CASE STUDY: KHORRAMABAD- LORESTAN PROVINCE)Vahid Shokri, Mostafa Godarzi, Mohammad Reza Yousefi and Vahid alizadeh
The process of production in agriculture always faces different dangers because production in this part depends on climate status and also is constantly in danger of sicknesses and calamity. In this study we have tried to investigate effective factors on agricultural insurance acceptance in khorramabad (Lorestan) by using Logit pattern. This research was conducted by filling out 110 questionnaires in 2011-12 agricultural years. Results showed that various personal factors as well as economic and social matters has affected farmers agricultural insurance acceptance. In this study, education level, connection with insurance experts, domesticated animal possession, wheat farming experience and farmers operations are five important factors that influence agricultural insurance acceptance. The results also showed that high prices, lack of guarantee, low indemnity pay and inadequate propaganda were some of the major factors that prevent good insurance in the agricultural sector. The study concludes that there is a need to enlighten farmers on the importance of insuring their agricultural produce and farming activities.
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