Department Of Agricultural Extension and Education, Faculty of Agricultural Management, Gorgan University of Agricultural Sciences and Natural Resources, Gorgan, Iran
This research was conducted with the aim of investigating the impact of received microcredits on the livelihood of rural households in Zabol County. The target population included 7263 heads of rural households. The results of the credit accessibility quality assessment showed that the easy conditions of collateral and guarantee, providing the required documents, transparency in the work steps and providing sufficient information about credit facilities were of better quality and 70.80% of the respondents rated the quality of the received credits as average. The results of Friedman's test showed that items like wage labor, animal husbandry, agronomy, handicraft production and government aid are among the important livelihood strategies in the study area. The results of the one-sample t-test showed that human, physical, natural and financial capitals are not in a favorable condition and only social capital is slightly more than average. The results of exploratory factor analysis led to the classification of livelihood strategies and the extraction of three livelihood groups including "livelihood strategy based on product production", "livelihood strategy based on self-employment" and "livelihood strategy based on receiving salaries" which explained for 65.58% of the total variance. The results of linear regression in order to investigate the effect of the credit quality index on each of the livelihood capitals showed that credits have a significant positive effect on three types of human capital, physical and financial, as well as the total sustainable livelihood index, and has no significant effect on two types of social and natural capital.
Sarani, N., Sharifzadeh, M. S., & Abdollahzadeh, G. (2024). Impact assessment of Micro-credit on Livelihood of Rural Households : Implications for self-employment and micro-entrepreneurship in the light of Islamic-Iranian model of progress. Journal of Studies in Entrepreneurship and Sustainable Agricultural Development, 11(2), 141-160. doi: 10.22069/jead.2023.21633.1747
MLA
Noshin Sarani; Mohammad Sharif Sharifzadeh; Gholamhossein Abdollahzadeh. "Impact assessment of Micro-credit on Livelihood of Rural Households : Implications for self-employment and micro-entrepreneurship in the light of Islamic-Iranian model of progress". Journal of Studies in Entrepreneurship and Sustainable Agricultural Development, 11, 2, 2024, 141-160. doi: 10.22069/jead.2023.21633.1747
HARVARD
Sarani, N., Sharifzadeh, M. S., Abdollahzadeh, G. (2024). 'Impact assessment of Micro-credit on Livelihood of Rural Households : Implications for self-employment and micro-entrepreneurship in the light of Islamic-Iranian model of progress', Journal of Studies in Entrepreneurship and Sustainable Agricultural Development, 11(2), pp. 141-160. doi: 10.22069/jead.2023.21633.1747
VANCOUVER
Sarani, N., Sharifzadeh, M. S., Abdollahzadeh, G. Impact assessment of Micro-credit on Livelihood of Rural Households : Implications for self-employment and micro-entrepreneurship in the light of Islamic-Iranian model of progress. Journal of Studies in Entrepreneurship and Sustainable Agricultural Development, 2024; 11(2): 141-160. doi: 10.22069/jead.2023.21633.1747
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