Analyze the effects of retrofitting housing credits on livelihoods of rural households; Case study: Mojezat County, Zanjan Township

Rural housing provides physical and mental welfare of rural people, there is also a certain coordination and coherence with the rural lifestyle and function. Currently, transformations and physical changes in rural areas do not match with culture and economy of the settlement centers, and these developments, in addition to economic and social incompatibilities in villages, has provided changes in biological function spaces. One of the factors affecting in changing rural housing is giving retrofitting and renovation housing credits. In this study investigated the effects of the credit to the livelihoods of rural households. Research Methodology is descriptive - analytic, and data collection method used in the study is “library and field method” (questionnaires, interviews and observation). Data analysis is descriptive (mean and standard deviation) and inferential statistics (paired T-test and Wilcoxon test). The statistical population is 811 households receiving credit. According Cochran formula, were selected 231 households, as the sample size. Findings show that there is a significant difference between the livelihoods and before and after receiving the retrofitting of housing credits. Also the results show that decreased all dimensions of livelihoods of rural households receiving retrofitting of housing credits, except the physical dimension (with value t: -2.276) at the time of receiving the credits.