Investigating the Impacts of Credits Granted by Agricultural Bank of Iran on Economic Conditions of Farmers in Hirmand Region

الموضوعات :

Nader Barani ¹ , Mohammad Hossein Menhaj ² , Esmaeil Ramezanpoor ³ , Mahmud Ahmadpoor Borazjani ⁴

1 - Graduate Student of Rural Development, Department of Agricultural Economics, University of Guilan, Rasht, Iran.
2 - Assistant Professor Department of Agricultural Economics, University of Guilan, Iran
3 - Assistant Professor, Management Department, University of Guilan, Iran
4 - Assistant Professor Department of Agricultural Economics, University of Zabol, Iran

تاريخ الإرسال : 17 الأحد , شوال, 1436 تاريخ التأكيد : 17 الأحد , شوال, 1436 تاريخ الإصدار : 14 الإثنين , شعبان, 1436

الکلمات المفتاحية: agricultural sector, Credit, Agricultural Bank, Economic impacts, loan, Hirmand,

ملخص المقالة :

One of the obstacles that has caused agricultural sector not to reach significant and expected growth is shortage of short, medium and long–term funds to finance various activities of this sector. This study aims at investigating the economic impacts of credits granted by Agricultural bank on farmers on Hirmand region. The statistical population of the survey included 4691 farmers of Hirmand region and the sample size were 117 farmers who had received loan from agricultural bank at least once during 2006-2011. The Sample was selected using simple random sampling and questionnaires were distributed among them. The results from t-Test showed that significant level for income manufacturing variants was 0.000 and for investment and livelihood variants were 0.014 and 0.077, respectively. This significantly levels suggest that received loan from bank has increased income and production, the living conditions of borrowers, economic profitability and increased productivity.

المصادر:

1. Adebayo, O., & Adeola, R. G. (2008). Sources and Uses of agricultural credit by small scale farmers in Surulere Local Government Area of Oyo State. Kamla-Raj 2008 Anthropologist, 10(4), 313-314.


2. Baghaei, M., Chizari, M., Pezeshki Rad, G., & Haji Hashemi, Z. (2007). Perspective reviews of rural watershed Zarcheshmeh zanjan the Agricultural Bank in the development of the agricultural sector through the provision of micro-credit. 6th Biennial Conference of Iranian Agricultural Economics. Pp: 1-12


3. Bakhtiari, S., & Paseban, M. (1383). The role of credit in the development of employment opportunities, a   case study of the Agricultural Bank. Journal of Agricultural and Development Economics, 46, 105-73.


4. Briggeman, B. C., Towe, C., & Morehart, M. (2007). Credit access: implications for sole-proprietor household production selected. Paper prepared for presentation at the American Agricultural Economics Association Annual Meeting, Portlan, Pp: 2-3.


5. Diagne. A. (1998(. Impact of access to credit on Income and food security in Malawi. International Food Policy Research Institute, 48, 15-22.


6. Eftekhari, A., & Eynali, J. (2005).Agricultural bank assessment of micro-credit in rural economic development (case study villages in the catchment of the river city Khodabandeh. Iranian Journal of Trade Studies. 9(34): 171-201.


7. Enoma, A. (2010). Agricultural credit and economic growth in Nigeria: An empirical analysis. Business and Economics Journal, -14, 1-7.


8. Ghorbani, M., & Nemati, A. (2011).. Principles of financing agriculture. Publishing Ferdowsi University of Mashhad, Mashhad , Iran, Pp:32-33.


9. Khandker, S. R., &   Faruqee, R.R., (2003). The impact of farm credit in Pakistan, Agricultural Economics, 28, 197-213.


10. koohpaei, M. (2012).  Principles of agricultural economics. 4^thed, Tehran University Press, Tehran, Iran


11. Meijerink, G., & P. Roza- (2007). The role of agriculture in development. Markets, Chains and Sustainable Development Strategy and Policy Paper, no. 5. Stichting DLO: Wageningen.  Retrieved from: http://www.boci.wur.nl/UK/Publications/. pp: 40-55


12. Mir, S. J, Akbari, A., & Hashemitabar, M. (2004). Reviews the factors effecting access to agricultural credit and its role in producing province case study. Journal of Agricultural and Development Economics. 12(48), 200-210.


13. MoghadasFarimani. S., Rajab, B. M., Ahmadi, G.A., & majidazar, M. (2007). Major credit fund for rural villagers: A case study of Tehran province. 6^th conference of agricultural economics. Ferdowsi University of Mashhad. Pp.1- 25.


14. Pajuyan, J., & FarzinMotamed, A. (2006). Evaluate the effectiveness of the Agricultural Bank granted credits on capital Gzay and employment in the agricultural sector, Journal of Light Peak. 4(2), 15-34.


15. Varmazyari, H., Kalantari, K., & Shabanali Fami, H. (2010). Analysis of factors effecting the use of banking facilities agriculture Khoy city. Journal of Rural Research. 1(3), 83-109.


16. Yaghobi, V., & Torkamani, J. (2004). Accredited effect on income and agricultural production, case study city Marvdashat Shiraz. Conference on financing agriculture, experiences and lessons. Tarbiat Modarres University, Tehran.