Analysis of Allocation of Credit Facilities Granted by Agricultural Bank to Create Job Opportunities in the Agricultural Sector: The Case of Farmers in Bushehr Province

One of the main purposes of providing credit facilities granted by agricultural bank is spending these credits facilities in the agricultural sector and improving production and job opportunities in this sector. Wit attention to this fact, we face with the questions of; how much the studied farmers have spent the credit facilities on the agricultural activities? what are the obstacles for not spending agricultural credit facilities in the agricultural sector? And what factors determine spending agricultural credits for creating job opportunities in the agricultural sector? This survey research was designed to answer these questions. The statistical population of this study was 205 farmers who had introduced to get loan from the Agricultural Bank by Jihad-keshavarzi organization in the Bushehr province in 1391. Random sampling was used for selecting 132 farmers. Data were collected using a questionnaire. Face validity was confirmed by panel of experts, and the questionnaires were subjected to reliability testing through a pilot study. Cronbach’s alpha for the scale was computed between 0.69 to 0.92. The finding showed that the most important obstacles for entrepreneurship among farmers were doing non-agriculture activities, inappropriate and complex laws and lack of necessary technical information. Also, the results revealed that using media to access information about job, membership in the organizations, communication with experts and age can predict the entrepreneurship among farmers.