An Analysis of the Obstacles in front of Rural Social Insurance Using Analytical Network Process (ANP) in Hamedan County

Journal of Research and Rural Planning

مقاله 5، دوره 6، شماره 2 - شماره پیاپی 18، دی 2017، صفحه 73-91   

نوع مقاله: علمی

شناسه دیجیتال (DOI): 10.22067/jrrp.v6i2.56620

نویسندگان

Hassan Afrakhteh؛ Hamid Jalalian؛ Asghar Tahmasebi؛ Maryam Armand^*

Kharazmi University

چکیده

Purpose: The purpose of this study is to identify the preventive factors and current obstacles in the path of providing necessary conditions and requirements to promote this kind of insurance for achieving sustainable rural development.
Methodology: This study is a practical research, which has a qualitative nature. The study population includes policyholders and insurance brokers and experts of the field in Hamadan City. Sampling was performed in a purposeful and regulated manner according to the people's mastery and the knowledge of the subject using the snowball technique. The main method of the Grounded Theory data collection is in-depth interview with the study population, which after interview with 60 experts (n = 13), brokers (n = 17) and policyholders (n = 30) the theoretical saturation is achieved. In the next step, in order to determine the relationships between problems and prioritize them in line with problem resolving, the ANP method is used .
Findings: According to the obtained results, problems were classified into 11 basic concepts among which the managerial – executive problems, socio – economic problems and institutional dissonance are the most important and the most fundamental problems facing the development of rural social insurance, respectively.
Constraints: conservatism in interviews and difficult access to some of the subjects and some information in line with the main objective of the study are the most limitations in doing this research.
Practical Implications: According to the research findings, setting the current and future plans which are based on the actuary and the economic and social realities of rural communities that are in line with the government's commitment to its legal obligations towards policyholders, revising administrative regulations and the rules of insurance fund, organizing and coordinating the activities and services in each of the areas of insurance, protection and relief, more cooperation and coordination between health insurance and rural social insurance, monitoring the activities of brokers and paying more attention to the rights of the mentioned people as major arms of the Insurance Fund in rural areas, wide advertising and making targeted television and radio programs in order to required culture – building in the rural community regarding pension are necessary measures to sustain the process of rural social insurance.
Authenticity: Considering the crucial importance of social insurance to increase the security and improve the quality of rural life and because of the vulnerability of these areas to geographic and climatic conditions and also the kind of living and their less ability to deal with accidents, in this study, for the first time, problems and challenges of rural social insurance have been prioritized with a holistic view and base on the ANP method.

کلیدواژه‌ها

Social Insurance؛ rural community؛ Obstacles؛ Hamadan County

مراجع

1. Adib Haj Bagheri. M., Parvizi, S., & Salsali, M. (1389/2010). Qualitative Research Methods. Tehran: Boshra Press. [In Persian].

2. Angelini, J., & Hirose, K. (2004). Extension of social security coverage for the informal economy in Indonesia. ILO, Subregional Office for South-East Asia and the Pacific, Manila, Philippines. Retrieved 2015, July, 19, from http://193.134.194.19/wcmsp5/groups/public/---asia/---ro-bangkok/---ilo-manila/ documents/ publication/wcms_126067.pdf.

3. Armand, M., & Motamed, M. K. (1391/2012). Analysis of challenges facing development of rice insurance from the insurance expert’s point of view in Insurance Fund of Guilan Province, Fourth Congress of Agricultural Extension and Education, Karaj, Iran. [In Persian].

4. Armand, M., & Motamed, M. K. (2012). The study of effective factors in acceptance of rice crop insurance in Guilan province. Advances in Environmental Biology, 6(2), 733-739.

5. Azkiya, M., & Ghaffari, Gh. (1392/2013). Rural Development with emphasis on Rural Community of Iran. Tehran: Ney Press. [In Persian].

6. Badini, H., & Esmati, Z. (1391/2012). Certain A Critical Study of the Application of the Governing Principles of Social Security in Iran's Law. Journal of Social Welfare, 12 (44), 199-230. [In Persian].

7. Badini, H., Esmati, Z., & Koolivand, H. (1389/2010). Certain Principles governing the delivery of benefits of Social Security System, Journal of Insurance Industry, 25(3), 71-96. [In Persian].

8. Barr, N.A. (1998). The economics of the welfare state. California: Stanford University Press. Retrieved 2015, May, 20, from http://tocs.ulb.tu-darmstadt.de/60340355.pdf.

9. Chen, J., & Yang, S. (2014). Rural Social Security System of China: Problems and Solutions. Studies in Sociology of Science, 5(1), 32-37.

10. Eftekhari, A. R. (1378/1999). The Position of the Village in the Process of Social Welfare, Second Conference of the Village in the Process of Social Welfare, University of Social Welfare. Tehran, Iran. [In Persian].

11. Faraji Sabok Bar, H., Salmani, M., Fereydooni, F., Karim Zadeh, H., & Rahimi, H. (1389/2010). Location of rural waste landfill using the Analysis of Network Process (ANP) model: A Case Study of Rural Areas of Quchan City. Journal of Spatial Planning, 14(1), 127-149. [In Persian].

12. Feldstein, M. (2005). Rethinking social insurance. National Bureau of Economic Research, No. w11250, pp. 1-24. Retrieved 2015, Dec, 22, from https://www.amherst.edu/media/view/186084/original/ Feldstein%2BSocial%2BInsurance.pdf.

13. Fetherston, B., & Kelly, R. (2007). Conflict resolution and transformative pedagogy a grounded theory research project on learning in higher education. Journal of Transformative Education, 5(3), 262-285.

14. Ghobadi, P., Papzan, A., Zarafshani, K., & Geravandi, Sh. (1391/2012). Analysis of the limitations and difficulties of rural tourism using grounded theory. Journal of Geograpgy and Urban – Regional Planning, 2(5), 89-104. [In Persian].

15. Hamadan Governor. (1394/2015). The last country divisions of Hamadan county. Hamadan: Hamadan Office of a Governor General. [In Persian].

16. Hardaker, J. B., Huirne, R. B., Anderson, J. R., & Lien, G. (2004). Coping with risk in agriculture (No. Ed. 2). CABI publishing. Retrieved 2015, May, 22, from http://www.cabi.org/cabebooks/ebook/ 20043056174.

17. Heydari Sareban, V. (1393/2014). Assessment and prioritization of rural areas in terms of social welfare (Case study: Pars Abad City). Journal of Spatial Planning, 4(3), 61-76. [In Persian].

18. Homaunpour, H. (1384/2005). State welfare and globalization (B. Sodersten, Author). Tehran: Higher Institute of Social Security Research Publications. [In Persian].

19. Jianguo, Z. (2006). Developing social pension insurance in China's rural areas. Retrieved 2015, May, 20, from www.issa.int/pdf/jeru98/theme2.

20. Kalateh Rahmani, M., Moslemi, A., Nobakht Haghighi, Sh., Hassanpour, A., & Alvand, M. (1382/2003). Extension and development plan of social insurances of manufacturers and stakeholders in the agricultural sector. Office of Planning for Development of Organizations. Ministry of Agriculture, Vice – Deputy of Research Education and Extension. Tehran, Iran. [In Persian].

21. Karim, M. H. (1394/2015). The impact of rural co-operatives on increase of agricultural insurance (Case study of Hirmand County). Journal of Agricultural Economics Research, 7(3). 243-255. [In Persian].

22. Kazemipour, Sh. (1382/2003). The areas of social insurance development in Iran. Journal of Social Security, 5(13). 241-260. [In Persian].

23. Khakpour, B., Ghanbari, M., Arjmand, A., & Eyne Salehi, M. R. (1392/2013). Evaluation of factors affecting the weakness and insufficient of the laws and tourism rights in iran through network analytical approach, Journal of Tourism Planning and Development, 2(5), 94-110. [In Persian].

24. Khodaverdi Zadeh, M., Khodaverdi Zadeh, S., & Masoom zadeh, F. (1393/2014). Determining effective factors on demand for rural livestock insurance (Case study: Marand County), Rural Development Strategies, 1(3), 1-18. [In Persian].

25. Khosh Chehreh, M. (1385/2006). Root-oriented reflection of the model and strategy of basic needs. Strategic Journal of Yas, 2(6), 103-116. [In Persian].

26. Luczka-Bakula, W., & Jablonska-Porzuczek, L. (2007). The demographic structure of society and individual farmers 'social insurance. Roczniki Akademii Rolniczej w Poznaniu. Ekonomia, 77-84.

27. Madani, S. (1382/2003). Prospects of Social Security in Iran: Anticipated challenges and solutions in the comprehensive welfare and social security bill. Journal of Social Security, 15, 7-36. [In Persian].

28. Mahmoodi, A., & Pirmoradi, A. (1393/2014). Study of factors affecting insurance acceptance by paddy farmers in Mazandaran Province (A case study in Babol County). Agricultural Economic and Development, 22(86), 31-48. [In Persian].

29. Mirhossieni, A., & Noorbakhsh, M. (1380/2001). Social welfare (N. Barry, Author). Tehran: Samt Press. [In Persian].

30. Momeni, M. & Sharifi Salim, A. (1394/2015). Multi – Criteria Decision – Making models and softwares. Tehran: Publication of Ganj – e - Shayan. [In Persian].

31. Morshedi, R. (1389/2010). Familiarity with the social insurance fund of villagers and nomads. Monthly Journal of Dehyariha, 6(31), 11-13. [In Persian].

32. Muze, M., & Vevere. M. (2006). Measuring Customer satisfaction in the state social insurance agency. 4th Quality Conference for Public Administrations in the EU.

33. Navid Bakhsh, M., Moghadasi, R. & Moradi, M. (1392/2013). Factors influencing adoption of rural livestock insurance in Shoushtar County. Journal of Agricultural Economic and Development, 21(82), 113-130. [In Persian].

34. Panahi, B. (1378/1998). Operational process of the social security system. Journal of Social Security, 1, 91-106. [In Persian].

35. Panahi, B. (1385/2006). Functions of social security in Iran. Tehran: Higher Institute of Social Security Research Publications. [In Persian].

36. Qi-wen, Z., Hui-fang, L. & Li-na, G. (2012). Study on improving development strategies of new rural social pension insurance system in Heilongjiang Province. Journal of Northeast Agricultural University (English Edition), 19(4), 83-88.

37. Ramesh, T. V. (2007). Rural initiatives, micro-insurance. School of Statistics, Central University of Finance and Economics, Xueyuan South Rd, Haidian District, Beijing, China.

38. Rezvani, M. R., & Azizi, F. (1392/2012). Examining the challenges of rural social insurance of iran's villagers and nomads. Journal of Social Welfare, 13(48), 271-311. [In Persian].

39. Rural Social Insurance Fund. (1394/2015). Departments of statistics and information, Hamadan. [In Persian].

40. Sarookhani, B. (1382/2003). Evolution: The genesis and evolution of social security. Journal of Social Security, 15, 7-36. [In Persian].

41. Shafiei Zadeh, H., Mojaradi, Gh., & Karami Dehkordi, E. (1391/2012). Factors affecting the institutionalization of social insurance in the villages of Kaboudarahang City. Journal of Rural Studies, 3(4), 189-214. [In Persian].

42. Shahiki Tash, M. N., Yazdani, F., & Gholipour E. (1394/2015). The effect of advertisement on the probability of acceptance insurance by pistachio growers in Kerman. Journal of Pistachio Science and Technology, 1 (1), 58-68. [In Persian].

43. Shahnoushi, N., Edalatiyan. A., Khaksar Astaneh. H., Soltani. S., & Rahmani, F. (1388/2009). Evaluation of the policyholders' satisfaction of agricultural insurance fund performance in Khorasan Razavi. Journal of Agriculture and Insurance, 6(22), 21-49. [In Persian].

44. Sharifi, M. A., & Hossieni, M. (1388/2009). Factors affecting the adoption of social insurance among farmers (Case study: Qorveh and Dehgolan Cities, Kurdistan). Journal of Village and Development, 12(2), 37-67. [In Persian].

45. Teymoori, M., Isfahani. M. J., Amrayi, B., & Jamshidi, A. R. (1393/2014). Affecting factors on the acceptance of rice insurance in Ilam Province. Journal of Agricultural Extension and Education Research, 7(3), 1-11. [In Persian].

46. Tian, W., & Li, D. (2011). Study on influencing factors of rural insurance salesman’s sale performance. International Journal of Business and Management, 6(5): 180-189. ‏

47. Yazdani, F. (1382/2003). Fundamental concepts in social welfare topics. Journal of Social Welfare, 3(10), 31-54. [In Persian].

48. Zahed, F. (1385/2006). Political theories and the welfare state. Etemad Melli Newspaper, Persian Date 31 Tir. PP. 20. [In Persian].

49. Zahedi Asl, M. (1381/2002). Basics of social welfare. Allameh Tabatabayi University Press. Tehran, Iran. [In Persian].

50. Zeraat Kish, Y., & Mirzaei, N. (2016). A study of the factors affecting the insurance acceptance by ornamental plants producers: A case study of Kohgiluyeh and Boyer Ahmad Province. Journal of Ornamental Plants, 6(2), 67-72.

51. Zhang, L., Wang, H., Wang, L. & Hsiao, W. (2006). Social capital and farmer's willingness-to-join a newly established community-based health insurance in rural China. Journal of Health Policy, 76(2), 233-242.