Assessing the moral hazard impact of mango farmers in Chabahar

Document Type: Full Article


Department of Agricultural Economics, University of Sistan and Baluchestan, Zahedan, I. R. Iran


ABSTRACT-The agricultural sector encompasses activities that are exposed to diverse risks. Risks in the agricultural sector are unavoidable but manageable. Crop insurance is a management tool in the agricultural sector. Crop insurance is a strategy to cope with the production risks of the agricultural sector and to secure farmers’ income in the future. Mango is a major horticultural and exporting crop in Sistan and Baluchestan province and in Chabahar with a key role in local economy. The present study aimed to use cross-sectional data of 2016-2017 for 285 mango farmers to explore the phenomenon of moral hazard and its economic consequences. Discriminant analysis and t-test were applied for economic modeling and data analysis.  The results did not show any moral hazards in the insured group. So, we can improve the crop production and productivity by focusing on the role of the insurance. The determination of premium on the basis of the regional conditions and farmers’ economic status can have desirable impacts on production.


Article Title [Persian]

ارزیابی میزان تاثیر مخاطرات اخلاقی کشاورزان انبه کار شهرستان چابهار

Authors [Persian]

  • علی سردارشهرکی
  • ندا علی احمدی
گروه اقتصاد کشاورزی، دانشگاه سیستان و بلوچستان، زاهدان ، ج. ا. ایران
Abstract [Persian]

چکیده-بخش کشاورزی از جمله فعالیتهای همراه با مخاطرات گوناگون است، گریز از ریسک در بخش کشاورزی اجتناب ناپذیر ولی قابل مدیریت می باشد. یکی از ابزار های مدیریت در بخش کشاورزی بیمه محصولات کشاورزی است. بیمه محصولات کشاورزی، از جمله راهکارهای مناسب برای غلبه بر ریسک حاکم بر تولید در بخش کشاورزی و افزایش اطمینان خاطر کشاورزان نسبت به درآمد آینده می‌باشد. انبه یکی از محصولات مهم باغی و صادراتی در استان سیستان و بلوچستان و شهرستان چابهار است که نقش بسزایی در اقتصاد این منطقه دارد. در این پژوهش تلاش شده است با استفاده از داده­های مقطعی در سال 96- 1395 مربوط به 285 کشاورزان انبه کار، پدیده خطر اخلاقی و پیامدهای اقتصادی آن مورد بررسی قرار گیرد. برای مدلسازی اقتصادی و تحلیل اطلاعات از آزمون‌های تحلیل تمایزی و t استفاده شده است. با توجه به نتایج مورد بررسی هیچ گونه مخاطرات اخلاقی در گروه بیمه شده دیده نشد، لذا نگاه ویژه به نقش بیمه باعث افزایش تولید و بهره‌وری محصول مورد بررسی خواهد شد و تعیین میزان حق بیمه بر مبنای شرایط منطقه‌ای و وضعیت اقتصادی کشاورزان می تواند تاثیرات مثبتی بر تولید بگذارد.

Keywords [Persian]

  • چابهار
  • الگوی تحلیل تمایزی
  • پیامدهای اقتصادی
  • بیمه
  • انبه
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