The Effect of Agricultural Bank Credits on the Quality of Life in Rural Regions (Case Study: Zanjan Township)

Quality of life (QoL) is highly depended on individuals’ economic condition. Therefore, this subject is so important at lesser areas such as rural regions. Therefore, the purpose of this study was to analyze the effect of agricultural bank credits on farmers’ QoL in Zanjan rural regions. 29 farmers who received bank credits were selected as sample by using purposeful sampling method. The inquiry as qualitative study used narrative and documentary analysis to analyze content of interviews. The thematic analysis, content network and comparative analysis were used as a tool to analyze relationship among modified contents. Internal validity was approved using of triangulation process and as well as the external validity by maximum variation technique in sample selection. The findings showed that the effect of credits on the farmers’ QoL varies based on the type and amount of credits. While short-term microfinance payments led to improving the production quality, health, and safety; in long term, led to relative deprivation and decreases the farmers’ QoL due to the deviations in the functioning of the credits. Due to creation of stable employment and income, micro capital credits have led to improving of the Farmers’ QoL. Finally, macro capital credits affected income, health quality, safety, quality of social relation, and environment which have an important role in increasing of QoL in the village regions.