زمينه يابي تشكيل صندوقهاي اعتباري روستايي شرق استان تهران

Survey on establishment of rural credit funds in eastern part of Tehran province

During recent two decades, establishment of rural credit funds have been into consideration as a way to provide credit for rural producers and farmers by most of the governments of the countries, and especially by third world countries. In order to establish and develop these credit banks in every society it is necessary to know the social, economic and cultural contexts and in addition to villagers, interests. For this reason, the goal of this research is a survey on establishment of rural credit funds to facilitate the process of giving credit services to rural producers. Research population includes all villagers of eastern part of Tehran province. 125 villagers of countries including Firoozkooh, Damavand, Ray, Pakdasht and Eslamshahr were selected by using randomized sampling, according to Morganʹs table for determination of sample size, and data were collected through interview and questionnaire instruments. Findings indicate that, mean of staying distance of respondent to the nearest city is 19km. And respondentʹs average of age was 40 years and most of them were involved in husbandry and farming activities. Monthly average income of respondents was about 177000 tomans. and yearly average income of them was about 2388000 T. According to the results, the most of the respondents, income was not satisfying. It was claimed that they are not even able to save some money monthly, and when inneed, they turn to banks, charity funds, relatives and accountancies to get money. Accordingly, almost all of the farmers donʹt have any saving in the month and in the year, but the farmers that have a saving, use it in agriculture and productivity activities and also for everyday expenses. Results also revealed that, respondents were well satisfied with the amount of the membership fee, the amount of loans, the system of loaning, the number of loans for members, and the way of monitoring and managing credit and financial institutes. Respondent told that these funds should be able to give 500000 T. loans, and interest rate of loans should not exceed 16 present. They also wanted membership fee, to be to that extent which they could afford it. Governmentʹs grants, efficient management and members, confidence in funds officials, were factors suggested by respondents to establish successful funds.