Factors That Affecting Rural Women Satisfaction and Loyality Regarding Micro Credit Funds in Marvdasht and Ramhormoz Districts

Document Type : Research Paper


1 Assistant Professor, Department of Agriculture Extension and Education, Faculty of Agriculture Engineering and Rural Development, Ramin Agriculture And Natural Resources University, Mollasani, Iran.

2 Associate Professor, Department of Agriculture Extension and Education, Faculty of Agriculture Engineering and Rural Development, Ramin Agriculture And Natural Resources University, Mollasani, Iran.

3 MSc., Department of Agriculture Extension and Education, Faculty of Agriculture Engineering and Rural Development, Ramin Agriculture And Natural Resources University, Mollasani, Iran.

4 PhD Candidate, Department of Agriculture Extension and Education, Faculty of Agriculture Engineering and Rural Development, Ramin Agriculture And Natural Resources University, Mollasani, Iran.


Dominant social, economic and political conditions could be barriers of women’s participation. One instrument to economic equity is micro credit funds. Micro credit funds in Iran and other developing countries provide a range of economic services for rural women. evaluation of micro credit funds clients’ satisfaction is essential for both internal and external reasons. In light of these facts, the aim of this paper is to measure women’ satisfaction with micro credit funds in Iran. The study population consisted of women who participate in the two micro credit funds in Fars and Khuzestan Province of Iran (N-800). The sample is selected using simple random quota sampling method (n=200) based on a list of names from the Funds. The face validity of the questionnaire was approved by a group of experts. Furthermore, the Cronbach's alpha sufficient coefficients used to evaluate the reliability of questions (0.7 to 0.9). the t-test analysis revealed that participants in Fars and Khuzestan significantly differ from each other regarding their loyalty to funds. The mean score of Fars participants was higher than that of Khuzestan participants. The regression analysis revealed that expectation from funds and perceived quality explained 27% of the variance in participant perceived value. While, expectation, perceived value and perceived quality explained 67% of the variance in participant satisfaction. Finally, , expectation, perceived value, perceived image and satisfaction explained 42% of the variance in participant loyalty regarding micro credit funds.


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