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

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.
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.