Investigating the effects of banking facilities in the physical development of rural areas, Khoshkebijar District of Rasht County, Iran

Document Type : Research Paper


1 PhD student in Geography and Rural Planning, Rasht Branch, Islamic Azad University, Rasht, Iran

2 Professor of Geography Department, Rasht Branch, Islamic Azad University, Rasht, Iran

3 Associate Professor, Department of Geography, Rasht Branch, Islamic Azad University, Rasht, Iran.


Purpose: The current research aimed to investigate physical development related to financial facilities in the Khoshkebijar District of Rasht County villages.
Methodology: The current study is applied in terms of purpose and analytical in terms of method. It also uses quantitative research methods. SPSS software and the gray model were used for data analysis.
Results:  The results showed that the housing quality and facilities, construction quality, housing identity and physical changes of the houses after receiving the financial facilities were evaluated favourably. Also, the Spearman correlation test results showed a significant and positive relationship between two variables (banking facilities and the physical development of houses) at a significance level of 0.000. Furthermore, In the regression equation, the beta coefficients showed that "Balancing loan amount with the improvement and retrofitting expenses of rural houses" contributes more in predicting positive changes among the independent items. Also, the item of "help to increase the quantitative and qualitative capacity of rural housing" has the most direct effects on the physical development of rural housing. The study found that construction quality with a weight of 0.065, housing quality and facilities with a weight of 0.056, physical changes with a weight of 0.043, and housing identity with a weight of 0.031 have the highest to the lowest rank. In Haji Bekandeh Rural District, Chaparpord Zaman Village, with a weight of 0.678, is ranked first. In Noshar Rural District, Noshar Village, with a weight of 0.700, is ranked first, which has a more suitable situation than other villages.
Conclusion: Sustainable development of rural settlements should be the main criterion for any rural housing planning. Also, other aspects of development need to be noticed; otherwise, there will be harmful consequences for the life and livelihood of villagers.