Investigating the role of microcredit funds in empowering rural women in Kerman Province

Document Type : Original Research

Authors

1 Economic, Social and Extension Research Department, Kerman Agricultural and Natural Resources Research and Education Center, AREEO, Kerman, Iran

2 Economic, Social and Extension Research Department, Fars Agricultural and Natural Resources Research and Education Center, AREEO, Shiraz, Iran

10.22048/rdsj.2026.580635.2279
Abstract
The establishment of microcredit funds has become a popular approach to empowerment in developing countries in the past two decades. These programs are designed and implemented with the aim of creating sustainable employment, increasing income, reducing poverty, and improving the quality of life of rural women and their families. The present study is applied in terms of purpose and descriptive-analytical in terms of method, which was conducted with a survey approach. The statistical population of the study consisted of rural women who are members of active microcredit funds in the province (1688 people). Among the counties of Kerman province, five counties were selected using purposive sampling based on geographical distribution and diversity of socio-economic conditions. The number of active funds in the province is 136, of which 91 members of the aforementioned funds were selected using a multi-stage stratified sampling method with proportional assignment. Data were collected using a researcher-made questionnaire based on previous studies and the opinions of experts. This questionnaire consisted of two sections: questions related to personal and economic characteristics and questions related to measuring the dimensions of rural women's empowerment based on 35 items in four dimensions, with responses based on a five-point Likert scale from "very low" to "very high." The content validity of the questionnaire was assessed by experts and its reliability was assessed using Cronbach's alpha coefficient, and its value was 0.939. The results showed that the average of women's social empowerment index was significantly higher than the theoretical value (p<0.001) and the average of household economic empowerment indices (p=0.009) and household welfare improvement (p<0.001) were significantly lower than the theoretical value. The employment creation and income earning opportunities index also did not show a significant difference from the theoretical value (p=0.829). Also, a negative and significant correlation was observed between age and employment creation and economic empowerment indices, but no significant relationship was obtained between the amount of the last loan received and empowerment indices. In addition, there was a significant difference between empowerment indices, such that social empowerment had the highest rank and household welfare improvement had the lowest rank.

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Articles in Press, Accepted Manuscript
Available Online from 23 September 2026