عنوان مقاله [English]
The need for security and constant search of it, is always one of the character of human life. Peoples have tried to keep themselves from threatens. There for, insurance is one of the basic and valuable earnings of mankind that creating security, especially economic security. Executing the law of social insurance of villagers and nomads is One of the most important measures in the forth plan for rural development. Although this measure was not included in code of executive goals, policies and measures in rural development, but this plan is emphasized in policies of forth plan (paragraph 13,19,21)and especially article 96. In spite of passing over a century of insurance in the country and accessing to successes and taking important measures in addressing insurance services to society, yet there is a big gap to access favorable situation in insuring. Earning success in this case is dependent on expanding the culture of insurance.
2- Theoretical basis
Social insurances, called forceful insurances, are often applied for low-paid classes in a society. It means people who are the productive force in a society and think less about their future and their livelihoods. The plan of state insurance protects people in confront with different economic threats and it is necessary for everyone to participate in that plan. Another definition is: social insurances are an insurance regularly that decreased from the income of a worker or employee in a month and after retiring or illness or events will pay to them. These rights in some cases pay the costs of medicine. It is called pension.
At first, in this part, Analysis of the spatial distribution of population coverage in rural areas is done separately for each city and then assessing Social impact on the dimensions and indicators of rural development in the study area. According to result of research Cities with the highest proportion of their Insured are Tafresh city, Khomein and Ashtian in central province, ferdous and sabzevar in the Razavi Khorasan, Mehriz in yazd, Jolfa in eastern Azarbaijan and Baft, Jiroft in kerman. According to the results obtained from the questionnaires: 92.3 percent of responders are men and 7.7 are women. Also 87 percent are married and 12.6 are single. In addition to, 27 illiterate, 30 elementary, 15 elementary, 19.8 diploma and 8.2 percentage was higher diploma. In terms of job, 11 pe were farmer, 30 percent worker, 14.5 shopkeepers, 20.3 rancher, one percent welder and 23.2 percent had other jobs. The average age of the respondents was 46 years. According to the results of a questionnaire based on the one-sample T-test results of the research findings, the District Social Friends villagers and nomads, makes an impact on rural development.
According to research in this area, villagers and nomads social insurance is essential to protect the villagers and Insurance Fund has been able to attract the villagers trust the findings Shafeizada et al (2013) are consistent. With the difference that in this area the upper limit of acceptable social insurance villagers and nomads is high. Also in the study area and the villagers have not been opposing the plan But in some cases, payment of insurance by the insured is faced with the problem Expectations of various disasters are insured in the insurance fund to meet these expectations. They are to trust the findings of Ramesh (Ramesh, 2007) are consistent. Economic and social development of the household also has a large impact on the acceptance of insurance And given the economic and social development of the rural area, the upper limit of acceptable social insurance The findings Rezvani, Azizi (2013) and Sharifi, Hosseini (2009) is consistent. On the other hand, among some insured individuals a sense of distrust of the Social Insurance Fund villagers and nomads. Perhaps due to the low levels of literacy and lack of awareness of the people about the benefits of social insurance laws and tribal villagers who findings Angelini and Hirose (Angelini and Hirose, 2004), agrees. According to the results of a questionnaire based on the one-sample T-test results of the research findings, the District Social Friends villagers and nomads, makes an impact on rural development and improved social security, economic security.
- Presenting the education and comprehensive popularization about entity of social insurance and its adventages among rural societies.
- Creation of positive attitude and awareness in local leaders (Dehyari and Islamic councils) in comparison to advantages of rurals, social insurance.
- Increasing of awareness and creation of motivation in people in order to use advantages of rurals, social insurance.
- Balanced distribution of social insurance agencies in rural parts of country
- Increasing of publicity for insurance benefits through mass media.
Key words: insurance, social insurance of villagers and nomad, rural development, Badreh town.