Analysis of factors influencing villagers to receive credits for housing amelioration (Case study: Mehrooye district, Fariab County)

Considering the extreme vulnerability of rural houses, offering low-interest credits to villagers has been one of the most important strategies for retrofitting and ameliorating of housing status in the country, especially in the last decade. Therefore, the study of factors influencing villagers that tend to make use of this facility could be one of the most important issues that could be contributing to the implementation of this strategy. With this purpose in mind, present study aims to investigate the motives of villagers to make use of such credits and is based on the Field study in Mehrooye district, fariab city Kerman Province. Research method has been documentary - analytical and field data was collected by questionnaire and for data analysis SPSS software, is used. The reliability of the questionnaire by using of Cronbach's Alpha method obtained 0/73 the research population of the study is consisted of the Mehruie village’s households that have used credits between 2007-2013 years. Accordingly, the number of these households was 1078 and also, the sample population was 200 households that were analyzed by Cocran stratified sampling. The results show that there is a significant relationship between lack of civilian housing and use of credits. In addition, the social, economic and administrative – Executive factors have played a decisive role in creating trends toward receiving credits in rural housing, and a review of the components of the social, economic and administrative - Executive factors revealed that social factors are most important