اخبار و اعلانات

 آمار

تعداد نشریات283
تعداد نشریات سازمان81
تعداد شماره‌ها2,722
تعداد مقالات31,007
تعداد مشاهده مقاله26,955,735
تعداد دریافت فایل اصل مقاله16,146,547
محبوبی, محمدرضا. (1401). تحلیل دستاوردها و موانع صندوق‌های اعتبارات خرد زنان روستایی، مورد مطالعه: استان گلستان. سامانه مدیریت نشریات علمی, 25(4), 87-112. doi: 10.30490/rvt.2021.354063.1341
محمدرضا محبوبی. "تحلیل دستاوردها و موانع صندوق‌های اعتبارات خرد زنان روستایی، مورد مطالعه: استان گلستان". سامانه مدیریت نشریات علمی, 25, 4, 1401, 87-112. doi: 10.30490/rvt.2021.354063.1341
محبوبی, محمدرضا. (1401). 'تحلیل دستاوردها و موانع صندوق‌های اعتبارات خرد زنان روستایی، مورد مطالعه: استان گلستان', سامانه مدیریت نشریات علمی, 25(4), pp. 87-112. doi: 10.30490/rvt.2021.354063.1341
محبوبی, محمدرضا. تحلیل دستاوردها و موانع صندوق‌های اعتبارات خرد زنان روستایی، مورد مطالعه: استان گلستان. سامانه مدیریت نشریات علمی, 1401; 25(4): 87-112. doi: 10.30490/rvt.2021.354063.1341

تحلیل دستاوردها و موانع صندوق‌های اعتبارات خرد زنان روستایی، مورد مطالعه: استان گلستان

روستا و توسعه
مقاله 5، دوره 25، شماره 4 - شماره پیاپی 100، اسفند 1401، صفحه 87-112    اصل مقاله (619.81 K)
نوع مقاله: مقاله پژوهشی
شناسه دیجیتال (DOI): 10.30490/rvt.2021.354063.1341
نویسنده
محمدرضا محبوبی*
دانشیار گروه ترویج و آموزش کشاورزی، دانشکده مدیریت کشاورزی، دانشگاه علوم کشاورزی و منابع طبیعی گرگان، گرگان، ایران.
چکیده
صندوق اعتبارات خُرد، سازوکاری برای بسیج منابع مالی و اعطای وام­های کوچک به­منظور راه­اندازی فعالیت­های درآمدزای پایدار و تقویت مشارکت زنان در روند توسعه روستایی است. این تحقیق توصیفی- پیمایشی با هدف شناسایی دستاوردها و موانع صندوق­های اعتبارات خرد زنان روستایی در سال 1398 در استان گلستان انجام شد. جامعه­ آماری تحقیق 913 نفر از اعضای نوزده صندوق­ اعتبارات خرد زنان روستایی در استان گلستان بودند. با استفاده از جدول کرجسی و مورگان و نمونه­گیری تصادفی طبقه­ای، تعداد 226 نفر از آنان به­عنوان نمونه تحقیق انتخاب شدند. برای گردآوری داده­ها از پرسش­نامه­ محقق­ساخته استفاده شد که روایی آن با نظر متخصصان تأیید شد. پایایی پرسش­نامه با ضریب آلفای کرونباخ محاسبه شد که مقدار آن برای بخش دستاوردها 91/0 و برای بخش موانع 84/0 به دست آمد. یافته­های پژوهش نشان داد در مجموع حدود 61 درصد واریانس دستاوردهای صندوق­ها را نه دستاورد شامل اجتماعی، اشتغال، کار تولیدی جمعی، مهارت کارآفرینانه، اتکا به خود، کنترل و دسترسی به منابع مالی، پذیرش مسئولیت، برابری جنسیتی و ثبات خانواده و 6/63 درصد واریانس موانع فعالیت صندوق­ها را ده مورد شامل مشارکت، فقدان حمایت دولتی، بی‏اعتمادی، فردی، فرهنگی-اقتصادی، وابستگی و عدم استقلال، فقر خانوادگی، فقدان کنترل، پوشش و مخاطرات تبیین می­کنند. تمرکز فعالیت­های صندوق بر تحقق تمام اهداف به گونه­ای متوازن با تأکید بر آموزش اعضا و فراهم­سازی زمینه­ها و بسترهای فکری و عملی لازم برای ارتقاء مشارکت اعضا در تصمیم‏گیری­ها از پیشنهادهای این مطالعه است.
کلیدواژه‌ها
توسعه؛ زن روستایی؛ دستاوردها؛ موانع؛ اعتبارات خرد
عنوان مقاله [English]
Analysis of Achievements and Barriers of Rural Women Micro Credit Funds, Case Study: Golestan Province
نویسندگان [English]
M.R. Mahboobi
Associate Professor, Department of Agricultural Extension and Education, College of Agricultural Management, Gorgan University of Agricultural Sciences and Natural Resources, Gorgan, Iran.
چکیده [English]
The micro credit fund is a mechanism for mobilizing financial resources and granting small loans in order to launch sustainable income-generating activities and strengthen women's participation in the rural development process. This descriptive and survey research, aimed to identify achievements and barriers ahead the micro credit funds of rural women in 2019 in Golestan province. The statistical population of the study was 913 members of 19 rural women micro credit funds in Golestan province. Using Krejcie and Morgan table and stratified random sampling, 226 of them were selected as research samples. Data gathered through a researcher made questionnaire and its face validity was confirmed by experts. The reliability analysis was calculated with Cronbach alpha coefficient and it was 0.91 for achievements section and 0.84 for barriers section. The research findings showed that 9 achievements consist of social, occupation, group production work, entrepreneurial, self reliance, control on financial resources, responsibility acceptance, family stable and gender equity, explain about 61% cumulative variance of the funds’ achievements and 10 barriers consist of participation barrier, barrier the loss of governmental support, mistrust barrier, individual barrier, cultural-economical barrier, dependence barrier and lack of independence, family poverty barrier, lack of control barrier, cover barrier and hazards, explain 63.6­ % cumulative variance of barriers ahead the funds. This study recommended the focus of the fund's activities on achieving all the goals in a balanced way, with an emphasis on educating members and providing the necessary intellectual and practical contexts to promote members' participation in decision-making.    
کلیدواژه‌ها [English]
Development, Rural Woman, Achievements, Barriers, Micro Credits
مراجع
  1. Afrin, S., Islam, N. and Ahmed, S. (2008). A multivariate model of micro credit and rural women entrepreneurship development in Bangladesh. International Journal of Business and Management, 3(8): 169-185.
  2. Ahmadi, M. and Fakour, V. (2020). The impact of micro credit on empowerment of female heads of rural households covered by Imam Khomeini Relief Committee (Case study: Central district of Zanjan county). Journal of Research and Rural Planning, 9(1): 17-33. (Persian)
  3. Akter, M.F., Nayeem, A.R. and Didar, M.A.H. (2021). Correlating women empowerment with micro finance in a small village in Bangladesh by using statistical methodology. South Asian Journal of Social Studies and Economics, 9(4): 19-27.
  4. Alaedini, P. and Jalali Mousavi, A. (2011). Assessing the impact of rural microfinance support project and micro-credit fund for rural women in Iran. Community Development (Rural and Urban Communities), 2(2): 61-67. (Persian).
  5. Badragheh, A. and Abedi, M. (2011). Micro-credit for rural women in Iran. Life Science Journal, 8(2): 451-456.
  6. Barai, M.K. and Adhikary, B.K. (2013). The success of microcredit in Bangladesh: Supplementing' group lending explanation with institutional understanding. Review of Integrative Business and Economics Research, 2(1): 471-490.
  7. Barimani, F., Nikmanesh, Z. and Khodaverdiloo, S. (2012). Role of small size-credits regarding empowerment of rural women case study: Lakestan sub-sistrict Salmas of county. Journal of Space Economy and Rural Development, 1(1): 69-82. (Persian)
  8. Datta, S. and Sahu, T.N. (2021). Impact of microcredit on employment generation and empowerment of rural women in India. International Journal of Rural Management, 17(1): 140-157.
  9. Demirguc-Kunt, A., Klapper, L.F. and Singer, D. (2013). Financial inclusion and legal discrimination against women: evidence from developing countries. World Bank Policy Research Working Paper (6416).
  10. Deyhim, H. and Vahabi, M. (2003). Women’s access to the banking cerdit system. Women Research, 3(7): 61-87. (Persian)
  11. Ghanbari, Y. and Nouri, R. (2017). Assessment on the impact of microcredit provided by Imam Khomeini relief foundation on population sustainment in rural areas, case study: Khomein County. Economic Research Review, 17(65): 177-197. (Persian)
  12. Ghorbani, E., Khodamoradi, M. and Bozorgmanesh, M. (2011). The role of micro-credit on social participation of rural women. Life science Journal-Acta Zhengzhou University Overseas Edition, 8(3): 97-101.
  13. Goetz, A.M. and Gupta, R.S. (1996). Who takes the credit? Gender, power, and control over loan use in rural credit programs in Bangladesh. World development, 24(1): 45-63.
  14. Gogoi, K. (2020). Inclusion of rural women in the development process: a study of rural women and their livelihoods with reference to Madhya Khangia Gaon Panchayat, Johat development block. Journal of Critical Reviews, 24(1): 45-63.
  15. Idrees, B., Ilyas, R. and Cheema, S.N. (2012). Role of micro credit in women empowerment in Pakistan. Academic Research International, 2(2): 464-478.
  16. Kiyani, F., Ghanbari, J. and Barghi, H. (2021). Identify and analyze the role of micro-credit funds in Progress and development rurals (Case study: Razan and Famenin City). Human Geography Research, 55(3): 23-36. (Persian)
  17. Krejcie, R.V. and Morgan, D.W. (1970). Determining sample size for research activities. Educational and psychological measurement, 30(3): 607-610.
  18. Latifi, S., Saadi, H. and Shabanalifahmi, H. (2013). A factorial analysis of the problems of rural carpet-weaving women problems in Hamadan province. Quarterly Journal of Women and Society, 4(13): 29-52. (Persian)
  19. Mahajan, V. and Ramola, B.G. (1996). Financial services for the rural poor and women in India: Access and sustainability. Journal of International Development, 8(2): 211-224.
  20. Mayakkannan, R. (2020). Impact on emerging challenges of micro finance in India. Mukt Shabd, 6(4): 243-249.
  21. Moghaddas Farimani, S., Mirtorabi, M.S. and Ghaemmaghami, S.S. (2020). Social-economic empowerment of rural women and effective factors on it (Case study: Members of rural women's microfinance funds in the Zanjan province). Journal of Rural Development Strategies, 7(3): 347-363. (Persian)
  22. Morsy, H. (2020). Access to finance: Why aren’t women leaning in? Women are self-selecting out of the African credit market. Finance and Development, 57(1): 52-53.
  23. Mozaffari, M.M. and Ziaee, M.S. (2017). Survey the effects of micro finance credits fund on the rural women’s managerial empowerment (Case study: Alamout region). Journal of Investment Knowledge, 6(24): 231-250. (Persian)
  24. Mutambanadzo, T., Bhiri, T. and Makunike, S. (2013). An analysis challenges faced by Zimbabwean micro finance institutions in providing financial services to the poor and informal sector in the dollarised regime. Global journal of commerce and management perspectives, 2(3): 154-159.
  25. Nematollahi, M., Kaboli, S., Yazdani, M. and Mohammadi, Y. (2019). Rural women's microfinance funds mediator to change in environmental attitudes and desert control and management-case study: carbon sequestration project, south Khorasan. Iranian Journal of Range and Desert Research, 26(1): 103-116. (Persian)
  26. Norozi, A., Farhadian, H. and Hoseinian, M. (2019). Investigating the amount of economic, social, psychological, and family empowerment of rural women who are member of microfinance credits in Sistan area. Rural Development Strategies, 6(2): 135-144. (Persian)
  27. Owusu-Yeboah, E., Gideon, O.Y. and Uwineza, D. (2020). Microfinance and Women’s Empowerment in Ghana: Challenges and Prospects. International Journal of Academic Research in Business and Social Sciences, 10(10): 377-404.
  28. Parveen, S. and Chaudhury, M.S.R. (2009). Micro-credit intervention and its effects on empowerment of rural women: the BRAC experience. Bangladesh Research Publication Journal, 2(3): 641-647.
  29. Rahmani, M., Rafipour, S., Zandrazavi, S., Adibi, M. and Rabbani, A. (2010). The impacts of micro credits on crisis management in Iran: A case study of rural women credit fund in Poshtroud village of bam county. Village and Development, 13(3), 51-83. (Persian)
  30. Saeidi, M., Chaharsoughi Amin, H., Moumenihelali, H., Norouzi, A. and Vahedi, M. (2018). Investigating the role of micro-credit fund on the economic empowerment of rural women (case study: Chardavol Township, Ilam province). Women's Studies Sociological and Psychological, 15(4): 149-175. (Persian)
  31. Salehi, M., Rahimian, M. and Gholamrezaie, S. (2016). Analysis of the challenges of micro-credit fund of rural women in Lorestan province. Journal of Agricultural Extension and Education Research, 10(2-38): 57-68. (Persian)
  32. Samian, M., Yaghoubi Farani, A., Mirzaei, K., Ebrahimi, M. and Azizi, M. (2016). The effects of micro credit accounts of rural women. Scientific Research Quarterly of Woman and Culture, 8(29): 47-64. (Persian)
  33. Shahrokhi Sardoo, S. (2016). The analysis of participation accelerators and their influence on economic performance of micro-credit funds for rural women (The case of: Jiroft county). Women's Studies Sociological and Psychological, 14(2): 185-212. (Persian)
  34. Soroshmehr, H., Rafiee, H., Kalantari, K. and Shabanali Fami, H. (2010). nvestigation of socioeconomic status of rural women and effective factors on its improvement (Case study: Hamedan County). Journal of Rural Research, 1(1): 143-166. (Persian)
  35. Taleb, M. and Najafi Asl, Z. (2007). Impacts of micro credits on e conomic empowerment of Iranian rural women head of households: A case study of hazrat Zeinab Kobra programme in Boueen Zahra villages. Village and Development, 10(3): 1-25. (Persian)
  36. Terano, R., Mohamed, Z. and Jusri, J.H.H. (2015). Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia. Journal of Global Entrepreneurship Research, 5(1): 1-14.
  37. Urkato, S. (2012). Microfinance impact on poor rural women household-level employment: bargaining models approach (the DESCI1 Case: Tigrai State, Northern Ethiopia). American Journal of Entrepreneurship, (2): 8-35.
  38. Vadakarasseril Anandan, J. (2009). Micro credit, empowerment and diversion of loan use. In. Department of Economics, Sree Narayana College, Chempazhanthy, Thiruvanathapuram, Kerala, India: Georgia Institute of Technology.
  39. Yaghoubi, J. (2006). An investigation on micro credits effect on rural women occupation in Zanjan province. Women Research, 13(1): 125-146. (Persian)
  40. Yu, J., Han, X., Chen, B. and Ren, J. (2020). Estimating the impact of poverty alleviation microcredit on the income of poor households using the propensity score matching method: Evidence from China. Agriculture, 10(7): 293-312.
  41. Zaare, B. (2012). Individual and social factors related to rural women’s tendency to participate in micro-credit fund in Mazandaran. Social Welfare Quarterly, 12(46): 461-498. (Persian)
آمار
تعداد مشاهده مقاله: 246
تعداد دریافت فایل اصل مقاله: 137


counter
سامانه مدیریت نشریات علمی. قدرت گرفته از سیناوب