تحلیل میزان اثربخشی تسهیلات بانکی به طرح‌های استخر ذخیره آب و توسعه کشت گلخانه‌ای در استان خراسان رضوی

نوع مقاله : مقالات پژوهشی

نویسندگان

1 مرکز تحقیقات کشاورزی و منابع طبیعی خراسان رضوی

2 موسسه پژوهش های برنامه ریزی، اقتصاد کشاورزی و توسعه روستایی

3 شهید بهشتی

10.22067/jead.2021.70215.1041

چکیده

 اعطای تسهیلات بانکی هدفمند یکی از مهمترین عوامل  افزایش سرمایه‌گذاری و تقویت تولید می‌باشد و می‌‌تواند بستر لازم را برای ارتقای سطح رفاه جامعه فراهم سازد. از این رو، امروزه یکی از اهداف اصلی سیاست اقتصادی دولت، سوق دادن منابع و اعتبارات بانکی به سمت فعالیت‌های تولیدی و سرمایه‌ای می‌باشد. اما اعطای تسهیلات چقدر اثر بخش بوده است مهمترین سئوال بازار سرمایه است. در این مطالعه به بررسی و ارزیابی اثربخشی تسهیلات اعطایی به طرح‌های استخر ذخیره آب و توسعه کشت گلخانه‌ای در استان خراسان رضوی پرداخته شده است. بدین منظور، ابتدا با بکارگیری تکنیک دلفی، شاخص‌های اثربخشی تسهیلات اعطائی به طرح‌های استخر ذخیره آب و توسعه کشت گلخانه‌ای در قالب ابعاد: منطق برنامه، کیفیت اجرا، نتایج عملیاتی و اثربخشی، استخراج شد. در نهایت، با استفاده از تکنیک معادلات ساختاری، میزان تأثیر عوامل مؤثر بر اثربخشی تسهیلات اعطائی به طرح‌ها اندازه‌گیری شد. پرسشگری در اواخر سال 1395 شروع و مطالعه تا سال 1397 ادامه پیدا نمود. نتایج پژوهش نشان داد، که منطق تسهیلات اعطائی از سطح بالایی برخوردار بوده و در میان شاخص‌های آن، میزان انطباق تسهیلات با اسناد بالادستی، از بیشترین منطق برخوردار می‌باشد. کیفیت اجرای تسهیلات از سطح پایینی برخوردار بوده و در میان شاخص‌های آن، تناسب نوع و مبلغ ضمانت‌ بانکی و نرخ سود بازپرداخت با نرخ بازده انتظاری، از کمترین کیفیت اجرا برخوردار می‌باشد. نتایج عملیاتی از سطح متوسطی برخوردار بوده و در میان شاخص‌های آن، موفقیت اعطای تسهیلات طرح، از کمترین نتایج عملیاتی برخوردار می‌باشد. اثربخشی تسهیلات اعطائی به طرح‌های استخر ذخیره آب و توسعه کشت گلخانه‌ای به‌ترتیب معادل 8/56 درصد و 6/ 55 درصد می‌باشد. نتایج پژوهش نشان می‌دهد که تسهیلات اعطایی به‌دلیل عواملی نظیر: شرایط نامناسب اقتصادی دوره مورد بررسی، تغییر قوانین و مقررات، سرمازدگی، خشکسالی و به‌ویژه عدم مساعدت سیستم بانکی، از اثربخشی مناسبی برخوردار نبوده است. لذا، ایجاد تناسب بین بازدهی و نرخ سود بازپرداخت، مساعدت بانک‌ها با بهره‌برداران خسارت دیده و بالاخص توسعه بیمه محصولات کشاورزی، به مسئولان این بخش پیشنهاد می‌شود.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

Evaluating the Effectiveness of Allocated Bank Loans to Agriculture Sector in Khorasan Razavi Province, Iran

نویسندگان [English]

  • S.A. Mohaddes Hosseni 1
  • S.M. Fahimifard 2
  • A. Sadeghi 3
1 Assistant Professor of Economic, Social and Extension Research Sector of Agricultural and Natural Resources Research and Training Center of Khorasan Razavi Province
2 Institute for Research in Planning, Agricultural Economics and Rural Development
3 Faculty of Earth Sciences, Shahid Beheshti University
چکیده [English]

Introduction: In this study, the effectiveness of granting facilities to water saving pool projects and developing greenhouse crops in the agricultural sector of Khorasan Razavi province was evaluated. Investment is one of the most important factors for economic growth in the countries. Purposeful banking facilities are one of the most important factors in increasing investment and boosting production and can provide the necessary ground for improving the welfare of the community. Hence, today one of the main goals of the government's economic policy is to push resources and bank credits towards productive and capital activities. Also, one of the most limiting inputs for agricultural sector development in Iran is capital. But, the most important question of the capital market is how effective this facility was?
Materials and Methods: This research is based on descriptive-survey and considering that its variables occurred in the past, it is categorized as case-study research. Statistical population of this study contains experts of Agricultural Jihad Organization of Khorasan Razavi province in fields of water saving pool projects and greenhouse crops development, utilizers of agricultural sector who used facilities of water saving pool projects and development of greenhouse crops plans and also supervising experts of those plans.
Sample size of utilizations and supervising experts in each of water saving pool and development of greenhouse crops projects is calculated based on Morgan Table sample size calculator.
For this purpose, firstly, by using the Delphi technique, the effectiveness indicators of granting facilities to water saving pool projects and developing greenhouse crops in the form of dimensions: program logic, quality of implementation, results of design and effectiveness, were extracted and then the situation Facility grants to the projects were reviewed during 2011-2012. Finally, by structural equations, the effectiveness of the factors influencing the effectiveness of grant facilities to the plans was measured. The results showed that the logic of granting facilities is of high level and among its indicators; the degree of compliance of facilities with upstream documents is the most logic. The quality of performance of the facility is low and among its indicators, the proportionality of the type and amount of bank guarantee, and the rate of interest repayment with the expected rate of return has the lowest performance.
Results and Discussion: Results shows that logic of  facilities granted to the water saving pool projects and development plans of greenhouse crops  performed in high level and equivalent to (73/2 %)  and (71/3%) respectively. Also among the logic indicators of program of granting facility to mentioned projects and plans, compliance rate of project facilities with the upstream developing documents is at the highest level of logic. In terms of performance quality , facilities granted to the water saving pool and development of greenhouse crops projects, performed in low level  and equivalent to (41/4%) and (38/3%) respectively. Also among the performance quality indicators of granting facilities to mentioned projects, indicators of proportion of type and amount of bank guarantee according to utilization capability, the interest rate proportion of repayment of the facility at the expected rate of return and proportion of repayment amount and utilization capability, respectively had lowest quality of performance and caused disaffection of utilizations. operational results of  granting facilities to water saving pools and development of greenhouse crops projects have almost a moderate level and equivalent to (56/5%) and (55/7%) respectively. Also according to indicators of operational performances of mentioned projects, success indicators of granting facilities and compliance rate of project details and operational plans, have the least expected operational performance rate respectively.
The results of study also indicated that efficiency of granting facilities to water saving pool as well as development of greenhouse crops projects have almost a mediocre level equivalent to (56/8%) and (55/6%) respectively.
Among the efficiency of granting facilities to water saving pool project, indicators of Level of cultivation, increase of production, and increase of sustainable employment, standing in first to third rank respectively. Also product quality improvement index has the least efficiency. Among the indicators of the effectiveness of the granted facilities to the project of development of greenhouse crops, product quality improvement, efficiency increase, value added and performance improvement indicators have the least efficiency.
 Conclusion: Generally, results of interviews with utilizers and experts shows that facilities granted to examined utilization by agricultural sector of Khorsan Razavi province among these years of Research, have not been effective mostly due to various factors such as unfavorable economic conditions prevailing in the period under study, Changes in rules and regulations, Frostbite, Drought and Finally, the lack of support and assistance from the banking system.
 Therefore, it is recommended to officials of this section to create a proportion between the returns and the rate of interest repayment, the assistance of banks with the affected operators and, in particular, the development of insurance for agricultural products.
 

کلیدواژه‌ها [English]

  • accomplish quality
  • Agriculture sector
  • Granted Facilities
  • Program Logic
  • Operation result and Effectiveness
  1. Azar A.Path analysis and causation in management science, Journal of Qom Higher Education Complex 4(15): 59-96. (In Persian with English abstract)
  2. Abbasi H., and Yari H. 2007. Investigating the Effect of Banking Profit Rate on Private Investment in Iran's Long-Term Horizons, Economic Research 81: 158-139. (In Persian with English abstract)
  3. Abolhasani L., Shahnoushi N., Taherpour H., Fatemi M., and Allameh A. 2017. An Investigation on Influencing Factors of Effectiveness of Water Transport Projects Financed by Agriculture Organization in Khorasan Razavi Province of Iran, Village and Development 20(3): 111-134. (In Persian with English abstract)
  4. Ahmad N. 2011. Impact of institutional credit on agricultural output: A case study of Pakistan, Theoretical and Applied Economics 10(563): 5-16.
  5. Attipoe S.G., Jianmin C., and Kwanowaa Y. 2020. Evaluating the Impact of Rural Finance on Cocoa Farmers Productivity: A Case Study of Bodi District in Ghana, Asian Journal of Advances in Agricultural Research 12(4): 36-45.
  6. Berazani M., Shajari E., Samadi Q., and Golgardri M.U. 2011. The Effect of Industrial Facilities on Investing in the Private Sector in Industry and Mine (In All Provinces of the Country), Economic Research 11(1): 129-97. (In Persian with English abstract)
  7. Darwishi A.S.K. 1994. Capacity and Sustainable Development Capacity of Agriculture, Quarterly Journal of Agricultural Economics and Development 2(5): 53-30. (In Persian with English abstract)
  8. Das A.M.S., and Joice J. 2009. Impact of agricultural credit on agriculture production: An empirical analysis in India, Reserve Bank of India Occasional Papers 30(2): 112-145.
  9. Delavar 2014. Research methods. Tehran: Agah Publication. (In Persian)
  10. Hosseini S.M., Naderi M., and Sepahvand F. 2021. Identification of effective drivers on the effectiveness of sustainable rural employment facilities on employment in rural areas of Hamadan city, Rural research, doi: 10.22059/jrur.2021.321051.1631 (In Persian with English abstract)
  11. Farman Ara V., Komijani A., Farzin Vash A., and Ghaffari F. 2019. The role of capital market in financing and economic growth (a case study of Iran and a selection of developing countries), Financial Economics 13(47): 19-38. (In Persian with English abstract)
  12. Ferdosi R., Ghahremanzadeh M., Pishbahar E., and Raheli H. 2013. Analyzing Determinants of Loan Repayment Performance of Agriculture Bank in Maragheh, Quarterly Journal of Economic Research and Policies 21(67): 49-68. (In Persian with English abstract)
  13. Jihad Agriculture Organization of Khorasan Razavi province, year book. 2014. (In Persian)
  14. Karimi F., and Zahedi keyvan M. 2010. Optimal allocation of bank credits to applicants in various agricultural sectors through fuzzy logic. Quarterly Journal of Economic Research and Policy, 18(56):72-53. (In Persian with English abstract)
  15. Maureen W., Nzomoi J., and Rutto N. 2012. Assessing the Impact of Private Sector Credit on Economic Performance: Evidence from Sectoral Panel Data for Kenya, International Journal of Economics and Finance 4(3): 182-190.
  16. Negahban A.,and Mustajabi F. 2005. Guide to research method using SPSS.Tehran University Jihad. (In Persian)
  17. Negin Taji Z., and Omidi Kia M. 2013.Effect of Banking Facilities on Macro Variables in Agriculture, Economic Modeling Quarterly 7(24): 71-87. (In Persian with English abstract)
  18. Lezgi F., Amini A., and Haghighat A. 2008.Investigating and analyzing the effectiveness of Qazvin banking network facilities on the growth of major economic sectors.Journal of Economic Research and Policy 17(49): 73-92. (In Persian with English abstract)
  19. Qalibaf Asel H. 2010. Three important guidelines from the year 1989, Iran Economist, Monday, March 3, 2009. (In Persian with English abstract)
  20. Sandada M., and Kanhukamwe A. 2016. An Analysis of the Factors Leading to Rising Credit Risk in the Zimbabwe Banking Sector, Acta Universitatis Danubius. Œconomica 12(1): 80-94.
  21. Statistical Centre of Iran. 2020. Abstract the results of the plan to modernize the framework of the country's greenhouses Tehran Iran. (In Persian)
  22. Shabanzadeh M., and Shahnoushi N. 2013. The Effect of Creditors of Early Burdens on Productivity of Agricultural Producers in Babol. Iran's Economic and Agricultural Development Research, 43(3): 511-521. (In Persian with English abstract)
  23. Shahnoushi N., Mazhari M., Taherpoor H., and Moshref M. 2013. Evaluating the Effectiveness of Small and Medium Enterprise Credits in Handmade Carpet Industry, Goljaam 8(22): 33-42. (In Persian with English abstract)
  24. Sylvester I., Okpara G.C., and Chukwudi O.J. 2013. Determinants of Loan Size and Repayment Performance of Small Oil Producers in Nigeria: The Case Study of Abia State, International Journal of Business Management and Administration 2(3): 43-54.
  25. Wongnaa C.A., and Awonyu-Vitor D. 2013. Factors Affecting Loan Repayment Performance among Yam Farmers in the Sene District, Ghana, Agris Online Papers in Economics 5(2): 111-122.