عوامل مؤثر بر پذيرش بيمه اجتماعي در ميان كشاورزان: مطالعه موردي شهرستان هاي قروه و دهگلان، استان كردستان

Factors Affecting the Adoption of Social Insurance among Farmers: A Case Study of Ghorveh and Dehgolan Counties in Kordestan Province of Iran

The social insurance system has been a necessity in rural life during the last few decades considering its role in sustainability of activities and improvement of the quality of rural life. The present study tries to explain the adoption of social insurance among the farmers of Ghorveh and Dehgolan counties of Kordestan province. The sample was selected by multi stage cluster sampling method proportionate to size among 170 adopter and 260 non adopter farmers and required data was collected by a questionnaire. The study results indicated that factors related to the adoption of social insurance can be summarized in these main factors: household economic potential, farmerʹs lack of trust, household human capital, the level of rural development and following others. These variables entered in a linear logit model and predicted 75% of the probability of adoption. Also the results showed that there were no significant differences between the adopter and non adopter farmers considering the influence of the two factors, lack of trust to adoption and the level of rural development.