دوره 3، شماره 1 - ( بهار 1401 )
جلد 3 شماره 1 صفحات 159-135 |
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جوان آیت، اسماعیلی رقیه. نقش اعتبارات بانک کشاورزی در پایداری کسب و کارهای خرد (مورد مطالعه: بخش شاندرمن، شهرستان ماسال). مطالعات جغرافیایی مناطق کوهستانی. 1401; 3 (1) :135-159
1- کارشناسی ارشد حسابداری، بخش اعتبارات شعبه شاندرمن، بانک کشاورزی، شاندرمن، ایران. ، ayatjavan@yahoo.com
2- کارشناسی ارشد حسابداری، بخش ریاست شعبه شاندرمن، بانک کشاورزی، شاندرمن، ایران.
2- کارشناسی ارشد حسابداری، بخش ریاست شعبه شاندرمن، بانک کشاورزی، شاندرمن، ایران.
چکیده: (1462 مشاهده)
امروزه مهمترین راهکار توسعه اقتصاد روستایی در کشور‌های جهان سوم، توسعه کسب و کارهای خرد میباشد. یکی از ملزومات اساسی برای ایجاد این نوع کسب و کارها تامین اعتبارات است. بانک کشاورزی در سال‌های اخیر توانسته از طریق ارائه اعتبارات خرد با بهره کم نقش بسزایی در پایداری کسب و کارهای خرد در مناطق داشته باشد. از اینرو، پژوهش حاضر به بررسی نقش اعتبارات بانک کشاورزی در پایداری کسب و کارهای خرد در منطقه شاندرمن پرداخت. مطالعه حاضر از نظر ماهیت کمی، از نظر هدف کاربردی و از جهت روش توصیفی و تحلیلی است. به منظور تجزیه و تحلیل اطلاعات از نرم افزار SPSS و مدل‌های FARAS، FBMW استفاده شد. نتایج نشان داد بیشترین کسب و کارهای ایجاد شده در منطقه شاندرمن در بخش کشاورزی است، و میزان استفاده‌کنندگان از اعتبارات بانک کشاورزی در ایجاد کسب و کارها درصد بالایی را به خود اختصاص داده است. همچنین نتایج نشان داد بین اعتبارات بانک کشاورزی و پایداری کسب وکار‌های خرد ارتباط معنی‌دار وجود دارد علاوه بر این، بر طبق مدل FASAR، مولفه اشتغال‌زایی بیشترین میزان تاثیرپذیری را از اعتبارات بانک کشاورزی به خود اختصاص داده است و طبق مدل FBMW، در مولفه اشتغال‌زایی، شاخص‌های کمک در ایجاد خوداشتغالی و افزایش سرمایه‌گذاری، در مولفه توانمندسازی شاخص‌های الزام به بیمه کارکنان جهت تامین آتیه آینده، کاهش وابستگی اقتصادی به دیگران و افزایش امنیت شغلی، در مولفه رشد اقتصادی شاخص‌های افزایش تولید در بخش کشاورزی و تولیدی، تنوع در محصولات کشاورزی و تولیدی، در مولفه تناسب با محیط زیست، شاخص رونق گردشگری طبیعی و حفظ بافت‌های تاریخی و گردشگری، جلوگیری از آلودگی منابع آب (کیفیت آب)، در مولفه مدیریتی نیز، شاخص‌های مدیریت مشارکتی در کسب و کار و شاخص مدیریت دانش و اطلاعات در کسب و کار، بیشترین و کمترین میزان تاثیرپذیری را از اعتبارات بانک کشاورزی به خود اختصاص دادند.
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