نقش اعتبارات خرد در توسعه پایدار روستایی: مطالعه موردی روستاهای تربت‌جام

نوع مقاله: مقاله پژوهشی

نویسندگان

1 دانشجوی دکتری گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد، مشهد، ایران.

2 استاد گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد، مشهد، ایران

3 استاد گروه اقتصاد کشاورزی، دانشگاه فردوسی مشهد،مشهد، ایران

4 استاد گروه اقتصادکشاورزی، دانشگاه فردوسی مشهد، مشهد، ایران

چکیده

محدودیت توان مالی روستاییان افزایش نیاز به سرمایه یا اعتبارات در مناطق روستایی را موجب می‏شود. اعتبارات خرد می‌تواند نقدینگی لازم برای انجام فعالیت‌های تولیدی روستاییان را فراهم سازد. بنابراین، هدف پژوهش حاضر ارزیابی اثرات اعتبارات خرد در توسعه پایدار روستایی بود. بدین منظور، از الگوریتم جورسازی بر اساس نمره تمایل استفاده شد. گردآوری داده‌های پژوهش برای 309 نمونه آماری از طریق تکمیل پرسشنامه صورت گرفت. نتایج آزمون توازن متغیرهای کمکی نشان داد که ناهمگنی متغیرهای کمکی بعد از جورسازی از بین رفته و اریب میانگین و میانه به زیر بیست درصد کاهش یافته است. همچنین، نتایج الگوریتم جورسازی نشان داد که اثر اعتبارات خرد بر شاخص توسعه پایدار مثبت بوده و به دیگر سخن، به‌طور متوسط شاخص توسعه پایدار خانوار دریافت‌کننده در مقایسه با خانوار غیردریافت‌کننده چهار درصد افزایش یافته است. بر اساس یافته‌های پژوهش، می‌توان گسترش نهادهای متولی خدمات تعاونی و ترویج، حمایت از نهادهای تأمین مالی خرد محلی، ایجاد و گسترش ساختارهای مشارکتی و همچنین، افزایش قابلیت این نهادها در راستای پاسخ به تقاضای فزاینده را پیشنهاد داد.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

The Role of Microcredit in Sustainable Rural Development: A Case Study of Selected Villages of Torbat-e-Jam County of Iran

نویسندگان [English]

  • A. Sani Heidary 1
  • M. Daneshvar Kakhki 2
  • N. Shahnoushi 3
  • M. Sabouhi Sabouni 4
1 PhD Student in Agricultural Economics, Ferdowsi University of Mashhad, Iran
2 Professor of Agricultural Economics, Ferdowsi University of Mashhad, Iran
3 Professor of Agricultural Economics, Ferdowsi University of Mashhad, Iran
4 Professor of Agricultural Economics, Ferdowsi University of Mashhad, Iran
چکیده [English]

Limited financial capability of rural people causes an increased need for capital or credits in rural areas. Microcredits can provide the cash required for the rural people’s production activities. Therefore, this study aimed at evaluating the microcredit effects on rural sustainable development in selected villages of Torbat-e-Jam County of Iran. For this purpose, the Propensity Score Matching (PSM) model was used for analyzing the data collected from 309 rural households through questionnaire. The results obtained from the post estimation test for quality balancing covariate variables showed that the heterogeneous was improved, and average (mean) and median bias decreased to lower than 20 percent. Also, the PSM results indicated a positive effect of the microcredits on the sustainable development indicator; in another words, the sustainable development indicators related to the households accessed to the credits increased four percent, compared with the households accessed no credits. According to the study findings, it might be suggested to expand the institutions of the cooperative and extension services, to support local microfinance institutions, to create and expand participatory structures, and to increase the capacity of microfinance institutions to respond to increasing finance demand

کلیدواژه‌ها [English]

  • Rural Sustainable Development
  • Microcredit
  • Propensity Score Matching (PSM) Model
  • Torbat-e-Jam County (Villages)
  • Khorasan Razavi (Province)
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