تأثیر اعتبارات بانک کشاورزی بر کیفیت زندگی روستاییان شهرستان زنجان؛ یک تحلیل کیفی

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانش‌آموخته‌ کارشناسی ارشد توسعه روستایی، گروه ترویج و آموزش کشاورزی، پردیس کشاورزی و منابع طبیعی، دانشگاه رازی، کرمانشاه، ایران.

2 دانشیار، گروه ترویج و آموزش کشاورزی، پردیس کشاورزی و منابع طبیعی، دانشگاه رازی، کرمانشاه، ایران.

3 استادیار، گروه ترویج و آموزش کشاورزی، پردیس کشاورزی و منابع طبیعی، دانشگاه رازی، کرمانشاه، ایران.

چکیده

کیفیت زندگی در ارتباط تنگاتنگی با مباحث اقتصادی بوده و این موضوع در مناطق کم برخوردار مانند مناطق روستایی اهمیت بیشتری دارد. ازاین‌رو، هدف کلی پژوهش حاضر بررسی تأثیر اعتبارات بانک کشاورزی بر کیفیت زندگی روستاییان شهرستان زنجان بود. نمونه آماری پژوهش شامل 29 تن از دریافت‌کنندگان اعتبارات بانک کشاورزی بودند که به روش ارجاع زنجیره‌ای تا رسیدن به اشباع نظری انتخاب شدند. پژوهش حاضر ازنظر روش از نوع پژوهش‌های کیفی است و برای تحلیل محتوای مصاحبه‌ها از روش ترکیبی تحلیل روایت و اسنادی استفاده شده است. ابزار تجزیه‌وتحلیل داده‌ها، تحلیل تماتیک با استفاده از شبکه مضامین و تحلیل مقایسه‌ای بود. روایی درونی ابزار پژوهش از راه اعتباریابی توسط اعضا و فرایند مثلث‌سازی؛ و روایی خارجی از راه تکنیک حداکثر تنوع در انتخاب نمونه‌ها تأیید شد. یافته‌ها نشان داد که تأثیر اعتبارات بر کیفیت زندگی بر پایه میزان و نوع اعتبارات با هم متفاوت است. دریافت اعتبارات خرد جاری در کوتاه‌مدت به بهبود کیفیت تولید و کیفیت سلامت و امنیت کمک کرده؛ درحالی‌که در بلندمدت، به دلیل انحراف در کارکرد موجب محرومیت نسبی افراد شده و کیفیت زندگی آنان کاهش یافته است. دریافت اعتبارات خرد سرمایه‌ای به دلیل ایجاد اشتغال و درآمد پایدار زمینه‌ساز دسترسی به امکانات و شرایط لازم جهت بهبود کیفیت زندگی در کوتاه‌مدت شده است. این اعتبارات در طول زمان به بهبود کیفیت زندگی افراد روستایی و رضایتمندی آن‌ها از زندگی کمک کرده است. دریافت اعتبارات کلان سرمایه‌ای نیز بهبود کیفیت اشتغال و درآمد، کیفیت دارایی‌ها، کیفیت سلامت و امنیت، کیفیت روابط اجتماعی و کیفیت محیطی را موجب شده است.

کلیدواژه‌ها

موضوعات

عنوان مقاله [English]

The Effect of Agricultural Bank Credits on the Quality of Life in Rural Regions (Case Study: Zanjan Township)

نویسندگان [English]

  • Manijeh Karami 1
  • Hosain Agahi 2
  • Laleh Salehi 3
1 MSc. Graduate of Rural Development, Agricultural Extension and Education Department, College of Agriculture & Natural Resources, Razi University, Kermanshah, Iran.
2 Associate professor, Agricultural Extension and Education Department, College of Agriculture & Natural Resources, Razi University, Kermanshah, Iran.
3 Assistant professor, Agricultural Extension and Education Department, College of Agriculture & Natural Resources, Razi University, Kermanshah, Iran.
چکیده [English]

Quality of life (QoL) is highly depended on individuals’ economic condition. Therefore, this subject is so important at lesser areas such as rural regions. Therefore, the purpose of this study was to analyze the effect of agricultural bank credits on farmers’ QoL in Zanjan rural regions. 29 farmers who received bank credits were selected as sample by using purposeful sampling method. The inquiry as qualitative study used narrative and documentary analysis to analyze content of interviews. The thematic analysis, content network and comparative analysis were used as a tool to analyze relationship among modified contents. Internal validity was approved using of triangulation process and as well as the external validity by maximum variation technique in sample selection. The findings showed that the effect of credits on the farmers’ QoL varies based on the type and amount of credits. While short-term microfinance payments led to improving the production quality, health, and safety; in long term, led to relative deprivation and decreases the farmers’ QoL due to the deviations in the functioning of the credits. Due to creation of stable employment and income, micro capital credits have led to improving of the Farmers’ QoL. Finally, macro capital credits affected income, health quality, safety, quality of social relation, and environment which have an important role in increasing of QoL in the village regions.

کلیدواژه‌ها [English]

  • Quality of Life
  • Agricultural bank credits
  • Zanjan
  • Content analysis
  • Social relationships

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پژوهش های روستائی
دوره 10، شماره 4
اسفند 1398
صفحه 614-633

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سابقه مقاله

  • تاریخ دریافت: 26 اردیبهشت 1398
  • تاریخ بازنگری: 26 شهریور 1398
  • تاریخ پذیرش: 14 آبان 1398

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