The Effect of Microcredit on Empowerment, Job Creation and Poverty Reduction in the Development of Local Communities (Case Study: Ahmadi district, Hajiabad, Hormozgan)

Microcredits have been introduced as one of the solutions for empowerment, job creation and poverty reduction in developing countries.In Iran, micro financing or creation of empowerment funds has been pursued and implemented in various ways by various institutions and organizations in rural and deprived areas.. In recent years, the Alavi Foundation has tried to reduce poverty, job creation and empowerment in rural areas by entering deprived areas and creating a suitable empowerment plan to create a protest fund. The purpose of this study is to investigate the role of the Empowerment Fund in the local community. In this research, the paradigm of positivism has been used. The tool for collecting field information is the questionnaire and the method of analyzing the collected data is the one-sample T-test and the correlation matrix of inferential statistics. The target community was 2579 members of the empowerment fund affiliated to the Alavi Foundation in 30 villages of Ahmadi section of Hajiabad city of Hormozgan province.The results show that the micro-credit fund is in the poverty line with an average of 3.62 and in empowerment and job creation with an average of 3.52 and 3.44 is within the allowable and effective limits. Also, the results of a correlation coefficient of 0.462 between the component of empowerment with the development of local community have shown that there is a correlation of 0.451 between the component of poverty alleviation and poor development and a correlation of 0.474 between the component of job creation and poor development. Finally, the data revealed that there is a meaningful relationship between these factors and the development of rural areas and the seats have played an effective role in the development of the target villages.