Cooperative and agricultural insurance. Turkey Agricultural Credit Cooperatives assessment of agricultural insurance services; An application in Aydın province

The agricultural sector, in which food is vital for human beings, which has a strategic importance for communities and countries, is highly affected by natural, social and economic risks. Due to these risks, it is an inevitable necessity to ensure continuity in agricultural production in order to prevent breaks in the food supply chain. There are many difficulties faced by farmers in agricultural production. The first of these challenges faced by manufacturers is the need for financing, as well as the marketing of products. Another important challenge faced by the producers is the risks arising from climatic events and natural disasters in addition to the diseases and pests that may occur in the products during agricultural production, which is defined as the "open factory". Cooperatives for capital insufficiency and marketing problems, and agricultural insurances for the risks that may arise during production can be a solution to the problems of the producers. In order to ensure continuity for this purpose agricultural production, actively should be used, agricultural insurance and cooperative institutions, the examination of these issues through the organization, which combines on-site Turkey Agricultural Credit Cooperatives, will be positive results in terms of sustainability of agricultural production are considered. From the eyes of 87 TKK personnel who participated in the survey conducted in Aydın province, it shows that producers have a certain level of knowledge about agricultural insurance in relation to TARSİM agricultural insurance knowledge, but 14% of the producers also lack knowledge about agricultural insurance. In addition, the presence of 39% of farmers, who do not think that they will suffer a risk / disaster, are more fatalistic and careless, also has an important place in the reasons for the failure of agricultural insurance to develop. Opinions of the TKK personnel who participated in the survey were also asked to understand the factors that may reduce the producers' willingness to take out agricultural insurance. The fact that the producers do not have sufficient information about agricultural insurance and that low income farmers, who make subsistence production in small land, find their insurance premiums high, can be seen as reasons that reduce the desire to have agricultural insurance. Opinions of the TKK personnel were also taken to understand the adequacy of the agricultural insurance production. Although a training on insurance branches and policy issuance operations in general has been received, it is seen that there are some TKK personnel who think there is training deficiency. In addition, there are some 51% of staff who say that I have difficulty in issuing insurance policies. On top of that, 93% of TKK staff state that their cooperatives they work with do not find sufficient agricultural insurance production. Opinions were taken to understand the reasons why TKK personnel could not increase agricultural insurance production. He says that he has not been able to increase the production of agricultural insurance, the highest rate of personnel deficiency, the fact that the producers do not want to renew their insurance in the following years, and then the staff has difficulty in persuading the producers to take out insurance. Some 35% of TKK personnel also stated that they could not find enough time from other jobs of the cooperative and allocate sufficient time for agricultural insurance production. Finally, it can be seen that there are TKK personnel who think that they do not get enough help in time when they need help while issuing insurance policy. As a result, both in Turkey and the farmers of the importance of Aydın private agricultural insurance benimsetilip, to dissemination, publication by the relevant institutions in order to producers, promotion and awareness-raising meetings besides conducting educational work should be done. In addition, providing additional training needed by TKK personnel, developing and implementing new insurance branches can contribute to the development of agricultural insurance. KEY WORDS: Agricultural Credit Cooperative, Tarsim Agricultural Insurance