Effective factors on wheat producers\' insurance acceptance in Zanjan province (Case study: Khodabandeh)

  This research aimed to specify and analyze factors affecting adoption of wheat insurance in Zanjan Province and to submit some suggestions for policy makers in order to secure production in this sector. In this relation, this research was carried out at Khodabande city in Zanjan province using cross sectional data collected from 43 wheat producers in the region. Data were gathered by interviews with the farmers and filling in pre-structured questionnaires in year 2003. Logit Model and ShazamWin 8 software were utilized for analyzing collected data. The results showed that farmers’ total land and their level of education are the most important factors affecting farmers’ willingness towards insurance adoption. While, factors such as age of farmer, having non-farm job, receiving facilities, participation in extension classes and farm diversification were not statistically significant did not influence farmers' demand for insurance. Therefore, it is recommended to policy makers and programmers to utilize from factors total lands and education of producers in order to increase their participation in crop insurance.  JEL Classification : G22,C25,C21,C2,C1,CO1