Volume 13, Issue 2 (2024)
QJIA 2024, 13(2): 1-15 |
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Kooshki F, Rostami F. Investigating Barriers to the Development of Rural Women's Participation in Microcredit Funds in Kermanshah Province. QJIA 2024; 13 (2) :1-15
URL: http://journal.sbkiran.ir/article-1-268-en.html
URL: http://journal.sbkiran.ir/article-1-268-en.html
Razi University
Abstract: (389 Views)
The microcredit fund serves as a mechanism to enhance the low participation rate of rural women in economic activities, addressing a critical gap in economic empowerment. The primary objective of this research was to identify barriers hindering women's involvement in rural microcredit funds. A descriptive-analytical methodology was employed, using data collected through a survey. The study focused on 415 rural women in Kermanshah County, with a sample of 160 determined using the Cochran formula. The research utilized a questionnaire as its primary data collection instrument, validated through insights from six professors in the Agricultural Promotion and Education Department at Razi University and feedback from 13 rural women participants. The reliability and internal consistency of the questionnaire were assessed using Cronbach's alpha, yielding a score of 0.87, indicating a high level of accuracy in the data collected. Data analysis, conducted using SPSS WIN23 software, revealed three main barrier components. The first, "educational-cultural barriers," accounted for 27.69% of the total variance. The second, "poor management and low efficiency," contributed 19.64%, while the third, "economic inefficiency," accounted for 15.06% of the variance. Collectively, these components explained 62.39% of the factors inhibiting the participation of women in microcredit funds. The findings carry significant theoretical and practical implications, providing valuable insights for policymakers. The study emphasizes the need for effective educational programs, improved management of rural women’s microcredit funds, and strategic allocation of credits towards economically productive activities, all crucial for fostering entrepreneurship and enhancing economic participation among rural women.
Keywords: Microcredits, Rural women, Participation, Educational-cultural barriers, Economic inefficiency.
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