نوع مقاله : مقاله پژوهشی

نویسندگان

• سید مجتبی کریمی ¹
• سیدنجم الدین موسوی ²
• حجت وحدتی ²
• رضا سپهوند ²

¹ دانشجوی دکتری، گروه مدیریت، دانشکده مدیریت، دانشگاه لرستان، خرم آباد، ایران

² استاد، گروه مدیریت، دانشکده مدیریت، دانشگاه لرستان، خرم آباد، ایران.

چکیده

پیشینه و اهداف: در عصر دیجیتال و حاکمیت داده‌ها، دانش به‌عنوان منبعی ارزشمند در کنار دیگر منابع مورد توجه کسب‌وکارها قرار گرفته است. همچنین، بخش تعاون به‌مثابة یکی از سه بخش اصلی اقتصادی در قانون اساسی جمهوری اسلامی ایران، جایگاه ویژه‌ای دارد. صنعت بیمه نیز در پوشش ریسک‌های متنوع نقش مؤثری ایفا می‌کند و می‌‌تواند در کنار دیگر عوامل، به توسعة اقتصادی کمک کند. بنابراین، در این مطالعه تلاش شده که مدیریت دانش مبتنی بر بازار به‌عنوان مؤلفه‌ای اصلی در توسعة بخش تعاون، با در نظر گرفتن پوشش ریسک مبتنی بر کارکرد بیمه در چهارچوب‌ الگو معرفی شود.
روش‌شناسی: این پژوهش از نظر هدف، کاربردی و از نظر ماهیت اکتشافی است. برای جمع‌‌آوری اطلاعات از مصاحبه‌های نیمه‌ساختاریافته استفاده شد و اطلاعات به‌دست‌آمده با استفاده از نرم‌‌افزار اطلس‌‌تی، روش استراوس و کوربین و مدل پارادایمی (کدگذاری باز، محوری و انتخابی) تحلیل شد. در این پژوهش، نمونه‌‌گیری به‌صورت هدفمند انجام گرفت و طی آن با 12 نفر از خبرگان حوزه کسب‌وکار، به‌ویژه فعالان باتجربة بخش تعاون در صنعت بیمه، مصاحبه صورت پذیرفت.
یافته‌ها: یافته‌های پژوهش نشان می‌دهند که مدیریت ریسک و بهره‌گیری از ظرفیت‌های صنعت بیمه‌ در زمرة عوامل ساختاری قرار دارند. همچنین، حمایت مدیران از استقرار دانش، سطح دانش مدیریتی، استراتژی‌های مدیریت منابع انسانی و برنامه‌‌ریزی استراتژیک مدیریتی برای اجرای مدیریت دانش به‌عنوان متغیرهای علّی، تغییر ساختارهای سازمانی، شبکة اجتماعی و ساختار غیررسمی، حرفه‌ای‌گرایی ساختاری، ایجاد فرهنگ مشارکتی، حاکمیت ارزش‌ها و ایجاد اعتماد سازمانی به‌‌عنوان متغیرهای مداخله‌‌گر و تأمین امکانات و تسهیلات، حمایت مالی از به‌روزرسانی دانش سازمانی و توزیع عادلانة منابع به‌‌عنوان عوامل زمینه‌‌ای شناسایی شدند.
نتیجه‌گیری: این مدل می‌تواند به افزایش سهم تعاونی‌ها در اقتصاد کشور و بهره‌گیری از ظرفیت‌های صنعت بیمه در پایداری مشاغل کمک کند. در نتیجه، این تحقیق نشان می‌دهد امکان طراحی و پیاده‌سازی الگویی برای مدیریت دانش در بخش تعاون وجود دارد که در آن نقش صنعت بیمه به‌صورت مشخص و هدفمند در نظر گرفته شده است.

کلیدواژه‌ها

• "مدیریت دانش"
• " بیمه"
• "تعاونی تولیدی"
• "نظریه داده‌بنیاد"

موضوعات

• آینده‌پژوهی در صنعت بیمه

عنوان مقاله [English]

Designing a market-Oriented knowledge management model in cooperatives and insurance

نویسندگان [English]

• Seyed Mojtaba Karimi ¹
• Seyed Najmeddin Mousavi ²
• Hojat Vahdati ²
• Reza Sepahvand ²

¹ PhD Student, Department of Management, Faculty of Management, Lorestan University, Khorramabad, Iran.

² Professor, Department of Management, Faculty of Management, Lorestan University, Khorramabad, Iran.

چکیده [English]

BACKGROUND AND OBJECTIVES: In the current era of digital transformation and data dominance, knowledge has emerged as one of the most valuable and strategic resources alongside traditional organizational assets such as capital, labor, and technology. Businesses across various sectors increasingly recognize that sustainable competitive advantage no longer depends solely on tangible assets, but on the effective creation, sharing, and application of knowledge. Within this broader context, the cooperative sector—explicitly recognized as one of the three fundamental components of the national economy according to the IR Constitution—holds a distinctive position. Cooperatives play a vital role in promoting social equity, community participation, and inclusive economic growth.
At the same time, the insurance industry has become a key mechanism for managing and mitigating diverse types of risks faced by individuals, organizations, and economic sectors. Insurance provides not only financial protection but also a framework for stabilizing enterprises and promoting sustainable development through risk pooling and redistribution. Given these overlapping concerns, this paper seeks to introduce a market-based knowledge management model as a fundamental component for the development of the cooperative sector, while simultaneously integrating the risk coverage functions of the insurance industry into the conceptual framework. The overarching objective is to explore how knowledge-based management practices—when aligned with market dynamics and supported by insurance mechanisms—can contribute to the sustainable growth and resilience of cooperative enterprises.
METHODS: This research adopts an applied and exploratory approach, reflecting its dual focus on both theoretical model-building and practical implications for organizations. To gather in-depth qualitative data, semi-structured interviews were conducted with key professionals and industry experts. These interviews provided rich insights into the intersection between knowledge management, cooperative development, and insurance-based risk management.
The collected data were analyzed using the ATLAS.ti software and processed according to the Strauss and Corbin grounded theory methodology, which includes open, axial, and selective coding phases. This approach allowed the researchers to extract, categorize, and connect the core dimensions and subcomponents of the model in a systematic manner. Sampling was conducted purposefully, targeting individuals with substantial expertise in the business and cooperative domains, particularly those possessing experience in the insurance industry. A total of twelve (12) semi-structured interviews were performed with senior experts, managers, and practitioners who have worked in both cooperative organizations and insurance institutions. The diversity of their backgrounds ensured that the resulting model captured multiple perspectives across managerial, operational, and policy-making levels.
FINDINGS: The findings of this study reveal that risk management and the utilization of insurance capacities occupy a central place among the structural factors influencing the implementation of market-based knowledge management within cooperatives. The data analysis identified a complex network of causal, contextual, and intervening variables shaping the success of such initiatives. From a causal perspective, the study highlighted managerial support for knowledge implementation, the overall knowledge level and competency of managers, human resource management strategies, and the existence of strategic managerial planning for the execution of knowledge management systems as critical drivers. Moreover, several intervening factors were identified, including organizational restructuring and adaptation, the development of formal and informal social networks, the promotion of structural professionalism, the cultivation of a participatory culture, the strengthening of value-based governance, and the creation of organizational trust. Finally, contextual factors influencing the effective implementation of the model comprised the provision of adequate facilities and infrastructure, financial support for the continual updating of organizational knowledge, and the fair and transparent distribution of resources within the cooperative framework. Overall, the results underscore that an integrated approach—one that connects knowledge management processes, market mechanisms, and insurance-based risk management—can significantly enhance organizational learning, reduce vulnerabilities, and promote innovation within the cooperative sector.
CONCLUSION: The proposed model offers a comprehensive framework that can strengthen the role and share of cooperatives in the national economy. By embedding insurance-related risk management practices into a knowledge-driven system, cooperatives can better ensure the stability and sustainability of their enterprises. The synergy between knowledge management and insurance allows cooperatives to anticipate potential risks, design preventive strategies, and allocate resources more efficiently. In conclusion, this research demonstrates that it is possible to design and implement a knowledge management model tailored specifically for the cooperative sector, where the insurance industry’s contribution is explicitly integrated. Such a model not only enhances organizational performance but also reinforces resilience against market uncertainties and operational risks. Consequently, the framework can serve as a guiding tool for policymakers, managers, and practitioners seeking to leverage the dual power of knowledge and insurance to foster sustainable economic development within the cooperative ecosystem. By emphasizing both theoretical and practical dimensions, the study provides a foundation for future empirical research on the interaction between knowledge management and risk governance. It also encourages decision-makers to view knowledge as a strategic economic asset and to utilize insurance mechanisms as a means of safeguarding and expanding that asset. Ultimately, this integrative approach can contribute to the broader goal of achieving inclusive, knowledge-based, and risk-resilient growth across all segments of the cooperative economy.

کلیدواژه‌ها [English]

• "Knowledge management"
• "insurance"
• "production cooperative"
• " Grounded Theory"