The effect of microcredit accounts for the empowerment of rural women (Case Study: Hamedan Province, Iran)

Document Type : Research Paper


1 Postdoctoral Researcher, Department of Economic Sciences, University of Sistan and Baluchestan, Zahedan, and Member of Research Group for Entrepreneurship Development and Sustainable Rural Employment Studies, Jihad University, Hamedan, Iran

2 Assistant of Research Group for Entrepreneurship Development and Sustainable Rural Employment Studies, Jihad University, Hamedan, Iran

3 Ph.D. Student of Extension and Education Agricultural, Department of Extension, Communication and Rural Development, Faculty of Agriculture, University of Zanjan, Zanjan, Iran.

4 Member of Research Group for Entrepreneurship Development and Sustainable Rural Employment Studies, Jihad University, Hamedan, Iran.



Purpose: This study examines the effect of microcredit accounts, Empowerment of rural women and rural development. Survey research was conducted in the second half of 2021. The study's sample comprises rural women in microcredit accounts in Karim Abad and Parluk villages in Saleh Abad County in Hamedan Province.
Methods: A questionnaire was used for data collection, but interviews, observations, and field studies were also used. Experts confirmed that the questionnaire had a valid face. The questionnaire was given to credit, economy, banking, and financial credit experts to determine its reliability. As a result of Cronbach's alpha analysis, a value of 0.82 was obtained, which is very satisfactory. SPSS software was used to analyze the data to identify the key factors.
Results: Based on the value of variance, we present five significant factors that influence microcredit accounts of rural women in this study: economic and motivational factors (16.051), social damages (14.701), satisfaction (14.545), empowerment of employment (9.057), and investment development (7.371).
Conclusion: The rationalization sessions should be held for those not members of such credits to familiarize them with the development of such distinctions and encourage them to engage in profitable occupations. A further suggestion is to establish a communicative network among these credit institutions in other villages to share experiences and learn from one another.


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