|
The Role of Microcredit in Rural Businesses (A Case Study of Microcredit-Receiving Enterprises in Khomam County)
|
Majid Yasoori *    , Zeinab Mozaffari vishkaei |
| Department of Geography and Rural Planning, Faculty of Literature and Humanities, University of Guilan |
|
|
Abstract: (18 Views) |
| Rural businesses are key drivers of local economic development and require targeted support to thrive. In this context, development institutions have introduced microcredit programs aimed at strengthening rural enterprises. This study investigates the impact of microcredit on rural businesses in Khomam County. The research is applied in nature, with a descriptive-analytical methodology, conducted through a quantitative, survey-based approach. Key financial and non-financial performance indicators were identified from the literature and used to develop a comprehensive questionnaire based on a five-point Likert scale. The statistical population includes rural businesses that have received microcredit, with a sample of 191 business owners selected using Cochran’s formula—all having received loans at least one year prior to the study. Factor analysis confirmed the reliability of the questionnaire with factor loadings above 0.5 for most items. Subsequently, multiple linear regression was conducted using SPSS. The results show that microcredit has a significant positive impact on the financial performance of rural businesses. However, its effect on non-financial performance dimensions was not statistically significant. These findings suggest the need for complementary support mechanisms to enhance broader business outcomes beyond financial metrics. |
|
| Keywords: Microcredit, Rural Business, Business Performance |
|
|
Full-Text [PDF 768 kb]
(13 Downloads)
|
|
Type of Study: Research |
Subject:
Special
|
|
|
|
|
|
|
| Send email to the article author |
|
|
|
| Add your comments about this article |
|
|
|
