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بررسی اثر صندوقهای اعتباری خرد بر کاهش فقر، ایجاد درآمد و اشتغال در استان کرمان | ||
تحقیقات اقتصاد و توسعه کشاورزی ایران | ||
مقاله 18، دوره 47، شماره 1، فروردین 1395، صفحه 227-235 اصل مقاله (234.77 K) | ||
نوع مقاله: مقاله پژوهشی | ||
شناسه دیجیتال (DOI): 10.22059/ijaedr.2016.58845 | ||
نویسندگان | ||
مهدیه ساعی* 1؛ سامان ضیایی2 | ||
1دانشگاه زابل | ||
2عضو هیپت علمی دانشگاه زابل | ||
چکیده | ||
در سه دههی اخیر، تأمین مالی خرد بهعنوان راهکاری مناسب جهت مقابله با فقر روستاییان مطرح شده و برخی کشورها در این زمینه به موفقیتهای چشمگیری دست یافتهاند. اهمیت این دستاورد بهگونهای بود که بانک جهانی سال 2005 را سال " اعتبارات خرد" نامگذاری و کشورهای در حال توسعه را در بهکارگیری این شیوهی اعتباری تشویق کرده است. هدف اصلی مطالعهی حاضر، تعیین اثربخشی صندوقهای اعتباری خرد در کاهش فقر، ایجاد درآمد و اشتغال است. جامعهی آماری تحقیق شامل کلیهی اعضای صندوقهای اعتباری خرد در سال 93-1392 در استان کرمان بود که 97 نفر با استفاده از فرمول کوکران بهعنوان نمونه انتخاب شدند. روایی صوری پرسشنامه با کسب نظر متخصصان ترویج و آموزش کشاورزی تایید شد. پایایی تحقیق با استفاده از آزمون آلفای کرونباخ حدود 89/0 بهدست آمد. جهت تحلیل دادهها از روشهای تحلیل توصیفی نظیر توزیع فراوانی، درصد، نمرههای وزنی و میانگین استفاده گردید. بر اساس نتایج، بهغیر از متغیرهای بهبود شرایط مسکن و توانایی پرداخت مخارج تحصیل فرزندان، سطح رضایتمندی سایر متغیرها بیش از میانگین میزان رضایتمندی است (3). بهاین ترتیب از زمان عضویت، درآمد کل خانواده افزایش و فقر کاهش یافته، خود اشتغالی ایجاد شده و کسب و کار قبلی رونق پیدا کرده است. | ||
کلیدواژهها | ||
اثر بخشی؛ کرمان؛ اعتبارات خرد؛ درآمد؛ کاهش فقر | ||
عنوان مقاله [English] | ||
Investigating the effect of microcredit funds on alleviating poverty, generating income and creating employment in Kerman province | ||
نویسندگان [English] | ||
mahdiyeh saei1؛ saman ziaee2 | ||
2faculty member of Zabol university | ||
چکیده [English] | ||
In the last three decades, microfinance has been proposed as a way to combat rural poverty and some countries have achieved significant success in this field. The significance of this achievement has been in such a way that the World Bank has named, the year 2005, as the year of "microcredit" and has encouraged developing countries in the application of this credit method. The main objective of the present study is determining the effect of micro-credit funds on alleviating poverty, generating income and creating employment. Statistical population of the study consisted all members of the micro-credit funds in Kerman province in the year 2013-14, in which 97 members were selected as a sample using Cochran formula. Face validity was done with agricultural extension and education specialists. The reliability of the study using Cronbach's alpha test was about 0.89. To analyze the data, descriptive statistical methods such as frequency, percentage, weighted scores and mean were used. Based on the results, except variables improving housing conditions and the ability to pay for children's education, the satisfaction level is more than the average (3). Thus, since the membership, total income of the family has increased and poverty declined, self-employment created and earlier business has flourished. | ||
کلیدواژهها [English] | ||
Effectiveness, Income, Kerman, Microcredit, poverty alleviation | ||
مراجع | ||
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