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ارزیابی اثربخشی تامین مالی پروژههای بخش کشاورزی با تاکید بر ریسکپذیری و عوامل روانشناختی | ||
تحقیقات اقتصاد و توسعه کشاورزی ایران | ||
دوره 55، شماره 4، دی 1403، صفحه 591-610 اصل مقاله (2.28 M) | ||
نوع مقاله: مقاله پژوهشی | ||
شناسه دیجیتال (DOI): 10.22059/ijaedr.2024.364070.669244 | ||
نویسندگان | ||
محمد نظری پور* 1؛ بابک زکی زاده2 | ||
1گروه حسابداری، دانشگاه حضرت معصومه (س)، قم، ایران | ||
2گروه مدیریت،دانشگاه آزاد اسلامی واحد سنندج، سنندج، ایران | ||
چکیده | ||
تامین مالی نقش بسزائی در توسعه بخش کشاورزی داشته و از جمله دغدغههای جدی سیاستگذاران و فعالان این بخش محسوب میشود. در همین راستا، پژوهش حاضر تلاش کرده است اثربخشی تامین مالی پروژههای بخش کشاورزی را با تاکید بر ریسک فردی (میزان ریسکپذیری وامگیرندگان) و عوامل روانشناختی مورد مطالعه و بررسی قرار دهد. جامعه آماری پژوهش حاضر دریافتکنندگان وام از بانک کشاورزی بوده و حجم نمونه آماری 225 نفر است. دادههای مورد نیاز از طریق پرسشنامه گردآوری شده است. تجزیهوتحلیل دادههای پژوهش با استفاده از مدلیابی معادلات ساختاری و از طریق نرمافزارهای SPSS نسخه 26 و Amos نسخه 24 انجام شده است. این پژوهش شامل دو سازه اصلی و نه سازه فرعی است. این سازهها عبارتند از: ریسکپذیری فردی (مالی، اجتماعی، شغلی، اخلاقی و نهادی) و اثربخشی تامین مالی پروژههای کشاورزی (سودمندی، قابلیت اطمینان، قابلیت دسترسی و قابلیت انعطاف). بنابر یافتههای این پژوهش هر یک از ریسکهای مالی، اجتماعی، شغلی، اخلاقی و نهادی بخشی از فرایند ریسکپذیری فردی میباشند. همچنین اثربخشی تامین مالی پروژههای کشاورزی شامل مولفههای سودمندی، قابلیت اطمینان، قابلیت دسترسی و قابلیت انعطاف است. یافتههای پژوهش نشان میدهد ریسکپذیری فردی بر هر یک از مولفههای سودمندی، قابلیت اطمینان، قابلیت دسترسی و قابلیت انعطاف اثر مثبت و معناداری دارد. بهعلاوه ریسکپذیری فردی بر اثربخشی تامین مالی پروژههای کشاورزی اثر مثبت و معناداری دارد. درنهایت، یافتههای این پژوهش میتواند به سیاستگذاران و مدیران بانکها در درک هرچه بهتر میزان ریسکپذیری مشتریان و شناسایی علل وقوع ریسک در کسبوکارهای آنان کمک کند. | ||
کلیدواژهها | ||
ریسکپذیری فردی؛ تامین مالی پروژههای کشاورزی؛ اثربخشی؛ سیاستهای مالی | ||
عنوان مقاله [English] | ||
Evaluating the Agri-Financing Effectiveness with Emphasis on Risk Propensity and Psychological Factors | ||
نویسندگان [English] | ||
Mohammad Nazaripour1؛ Babak Zakizadeh2 | ||
1Department of Accounting, Hazrat-e Masoumeh University, Qom, Iran. | ||
2MA in Business Management, Department of Management, Islamic Azad University Sanandaj Branch, Sanandaj, Iran | ||
چکیده [English] | ||
Financing has significantly contributed to the growth and development of the agricultural sector and remains a major concern for policymakers and those working in this field. This study aims to assess the effectiveness of agricultural financing, focusing on individual risk propensity and psychological factors. Methodologically, this study employs a descriptive-correlational design and structural equation modeling. The study's population consists of borrowers from Bank Keshavarzi Iran, with a statistical sample size of 225 participants. Data was gathered through a questionnaire and analyzed using structural equation modeling with SPSS version 26 and Amos version 24 software. The study examines two main constructs and nine sub-constructs. The main constructs are individual risk propensity, which includes financial, social, career, ethical, and institutional risks, and the effectiveness of agricultural financing, which encompasses usefulness, reliability, accessibility, and flexibility. The findings indicate that individual risk propensity positively and significantly influences each of the components: usefulness, reliability, accessibility, and flexibility. Furthermore, individual risk propensity positively and significantly impacts the overall effectiveness of agricultural financing. These findings can assist policymakers and bank managers in better understanding customer risk-taking levels and identifying the causes of risk in their businesses. | ||
کلیدواژهها [English] | ||
Individual risk propensity, Agri-Projects Financing, Effectiveness, Financial Policies | ||
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