|
Structural Equation Modeling of the Repayment of Agricultural Bank Credits by the Farmers of Sari, Mazandaran
|
Ali Ghasemi Ahmadabadi1   , Mehdi Charmchian Langerodi2 |
1- Graduate of Master's Degree, Department of Agricultural Extension and Education, Sari Branch, Islamic Azad University, Sari, Iran.
2- Associate Professor, Department of Agricultural Extension and Education, Sari Branch, Islamic Azad University, Sari, Iran. , mcharmchian2004@yahoo.com |
|
|
Abstract: (47 Views) |
Timely collection of paid credits is a serious issue for the survival of credit institutions. Due to the nature of agricultural work and on the other hand, the financial resources of the agricultural bank are highly dependent on the received credits, it is necessary to investigate the factors influencing the repayment of the facilities of the agricultural bank. In this regard, this study aimed at modeling the structural equation of repayment of agricultural bank credits by the farmers of Sari, Mazandaran in 2023. The statistical population of study includes 30189 farmers who received loans from different branches of the agricultural bank in Sari. According to Cochran formula, 210 farmers were selected as a statistical sample. Data were collected using a researcher-made questionnaire. The questionnaire was divided into five main sections: banking characteristics, economic factors, legal factors, managerial and policy making characteristics. The content validity of the questionnaire was confirmed by experts' opinions. Also, based on the Average Variance Extracted (0.52716 and Smart PLS3 software were used to analyze. The results of structural equation modeling showed that bank characteristics, economic factors and managerial characteristics had a positive and significant effect, and the legal and policy factors had a negative and significant effect on the repayment of agricultural bank credits. They explained 26.7 percent of the repayment of agricultural bank credits.
|
Article number: 17 |
| Keywords: Repayment, Credits, Agricultural Bank, Sari. |
|
|
Full-Text [PDF 910 kb]
(27 Downloads)
|
Article type: Research |
Subject:
Special
Received: 2024/10/14 | Accepted: 2025/02/18 | Published: 2025/10/2
|
|
|
|
|
|
|
| Send email to the article author |
|
|
|
| Add your comments about this article |
|
|
|
