شناسایی عوامل تأثیرگذار بر تخصیص اعتبارات به فعالیت‌های کشاورزی (مطالعه موردی: پسته‌کاران شهرستان سیرجان)

نوع مقاله : مقاله پژوهشی

نویسندگان

1 استادیار گروه اقتصاد دانشگاه سیستان و بلوچستان

2 --

چکیده

عرضه اعتبارات به کشاورزان به علت اهمیت اعتبارات در جهت تضمین کارایی فرآیند تولید ضروری است. هدف از انجام این مطالعه، شناسایی عوامل مؤثر بر تخصیص اعتبارات به فعالیت­های کشاورزی و عوامل مؤثر بر احتمال عدم باز پرداخت اعتبارات دریافتی می­باشد. برای انجام این تحقیق 196 نفر از کشاورزان و مشتریانی که از بانک کشاورزی تسهیلات دریافت کردند، به صورت تصادفی انتخاب شدند. آمار و اطلاعات لازم از طریق تکمیل پرسشنامه و بررسی پرونده مشتریان طی سال­های 1389-1392 گردآوری شد. جهت شناسایی عوامل مؤثر بر اعتبارات تخصیص یافته به فعالیت­های کشاورزی از مدل توبیت استفاده شد. بر اساس این مدل، در سطح اطمینان 95 درصد متغیرهای سن، سطح تحصیلات، تجربه، درآمد سالیانه فعالیت غیرکشاورزی و میزان اعتبار دریافتی با تخصیص اعتبارات به فعالیت­های کشاورزی رابطه مستقیم و معناداری دارند؛ در حالی که متغیر اندازه خانوار رابطه معکوسی با تخصیص اعتبارات به فعالیت­های کشاورزی دارد. همچنین، مدل­سازی احتمال عدم باز پرداخت اعتبارات دریافتی با استفاده از مدل لاجیت چندگانه انجام شد. در این مدل متغیرهای سن، تحصیلات، ارزش دارایی و درآمد ماهیانه متقاضی رابطه معکوس و متغیر جنسیت رابطه مستقیم و معناداری در سطح اطمینان 95 درصد با عدم احتمال باز پرداخت اعتبارات دارند. بر اساس نتایج حاصل از تحقیق پیشنهاداتی ارایه گردید.

کلیدواژه‌ها

عنوان مقاله [English]

Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan)

نویسنده [English]

  • nasrin ohadi 2
1
2
چکیده [English]

Supply of credits to farmers is necessary because of the importance of credits in order to assurance the efficiency of production process. The purpose of this study is identification factors affecting on credits allocation to agricultural activities and factors affecting on probability failure to repay of credits received. In this study, 196 farmers and customers who have received loans from the Agricultural Bank were randomly selected. Statistics and necessary information were collected by questionnaires and investigation of customers file for the years 2010 -2013. Factors affecting on credits allocated to the agricultural activities was identified using Tobit model. Based on this model, there was a direct and significant relation at level of confidence 95 percent among variables of age, educational levels, experience, annual income from non-agricultural activities, amount of credits received and credits allocated to agricultural activities. There was an inverse and significant relation among variable of family size and credits allocated to agricultural activities. Also, probability failure to repay of credits received modeling was done using Logit Multinomial model. In this model, there was an inverse and significant relation at level of confidence 95 percent among variables of age, educational levels, value of the assets, monthly income of the applicant and probability failure to repay of credits. Gender had a direct and significant relation with probability failure to repay of credits. Based on the results of this study suggestions were presented.

کلیدواژه‌ها [English]

  • Tobit Model
  • Logit Model
  • Credit Allocation
  • Credit Repayment
  • Sirjan

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تحقیقات اقتصاد و توسعه کشاورزی ایران
دوره 47، شماره 2
شهریور 1395
صفحه 303-311

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