ارزیابی میزان تاثیر مخاطرات اخلاقی کشاورزان انبه کار شهرستان چابهار

نوع مقاله : مقاله کامل

نویسندگان

گروه اقتصاد کشاورزی، دانشگاه سیستان و بلوچستان، زاهدان ، ج. ا. ایران

چکیده

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.

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