چكيده لاتين :
Animal husbandry section is one of the most economic subset related to the
agriculture, that has a special role in most of our villages in Iran and because of
uncertainties such as atmospheric factors, earthquakes, diseases and in period of
production and impacts of related economic market that usually impose losses to
producers, are remarked for the most dangerous economic actions. This group cause
certain distortion to the future and assurance of farmers’ annual income, and always
worried to settle their debits, production costs, routine livelihood. This process in
addition to impose physical and mental pressures, sometimes surpasses the possibility
of best production. Aforementioned situation has made fewer capitalists be attracted to
private sector for investment and quality progression of animal husbandries. This
challenge further intensifies when observes that such capitalization may not be covered and
supported by compensation factors. With the mentioned reason, insurance of agriculture
and animal husbandry products mooted as tools for reduction of risk and support of
motivation to invest capital in the agriculture and animal husbandry fields (National
Nomadic People Organization,1380). Insurance can be an extension business that
guarantees and supports survival and continuity of actions in production sectors and it
has the highest impacts in livelihood improvement of many holdings. This process helps
future markets open with regard to the risky situation faced by producers (Guinvarce and
Cordier, 2003). The present research is carried out to identify effective factors on adoption
and non-adoption of tribal animal insurance in Semnan province. In order to reach the
mentioned factors, a sample of 282 nomads from two groups (adopters and non-adopters)
selected according to existing methods. This research is an applied research and causal
comparative (ex-post facto) research. Dependent variable in this research, contains adoption
and non-adoption of insurance by tribes and independent variables included: nomads' personal
characteristics (age, education, occupational background in animal husbandry, major and
subsidiary jobs, …), economic characteristics (number of animals, the amount of annual
income from animal husbandry, etc.), and social characteristics (the use of communicative
channels and sources, contact with experts, awareness of animal insurance,…). The results
obtained from correlation analysis showed that the adoption of animal insurance was related
to educational level (5%), income from animal husbandries, and contact with communicative
channels (p=0.05) and also it was related to losses rate, received loan, awareness of benefits
and purposes of animal insurance (p=0.05). Mann-Whitney test showed that there were
siginificant differences between two groups on education level and awareness of animal
insurance, and eagerness to insurance. T-test also showed that there were significant
differences between two groups on number of lost animals in two groups. The following
variables were effective on the adoption: the coefficient of changes of the rate of losses,
recommendations of tribes Nomadic People Organization, low expense of insurance,
adoption by reference men, exposure to communicative channels, the pressures of families
and relatives, consulting experts in determining losses, performing instructional sessions,
easiness in reparations payment and doing insurance. The non-adoption was due to
protracting the time of loss payment, troublesome laws, make pretext at the time of receiving
loss, uncovering dangers, disproportion between paid amounts and the original losses,
inadequate information on benefits of insurance, lack of payment expenses, difficulties,
insurance officers, and unsuitable behaviors. The obtained results of logistic regression
revealed the awareness of the benefits of animal insurance, the rate of losses and animal
farmers’ income, educational level, and received loan had up to 83.5% of adoption or nonadoption
of animal insurance. Therefore , the main reasons behind adoption of animal
insurance is not connected to scientific mechanisms of adoption and benefits of animal
insurance, and it is necessary to concentrate more on facilitating of the mentioned factors.
( adoption or non-adoption)Y= -8.796 + 2.281 (income) + 1.262 (information on insurance)
+1.309 (losses) + 0.463 (education) + 0.235 (numbers of received loan)
