مسکن و محیط روستا (Jun 2022)
Investigating the factors affecting the optimal model of granting rural housing improvement credits; Case study: villages of Malard County
Abstract
Rural areas are highly dependent on housing due to their nature. In these areas, housing, in addition to being a shelter, has other functions, such as keeping livestock and storing products, and a place for economic activities such as processing agricultural products. The Rural Housing Improvement Project, which was implemented by the government since 2004 with the aim of improving the quality of housing and rural fabric and improving the level of safety, welfare, and comfort, preventing the migration of villagers. However, retrofitting rural housing, has not been successful in the past years and experts have identified various reasons for this failure. Considering the importance of the issue, in this paper, the challenges and problems of the villagers of Malard County in receiving rural housing improvement credits were discussed. The research method is descriptive-analytical and survey. The population and the statistical sample of the research consists of two parts: experts (20 people) and individuals from local communities (302 people). The methods used in data analysis are t-test, network analysis, and Goler matrix. According to the field studies conducted in Malard County, it was found that despite the positive results of these credits, there are obstacles and problems that have prohibited reaching a sustainable model in housing improvement credits in the County at the national level. The results showed that most of the investigated variables are far from the ideal state, and most of the villagers are dissatisfied with the determined administrative processes, especially the issue of providing a guarantor for obtaining a loan, the time-consuming nature of obtaining a loan, the disproportion of bank interest on loans with the income of the villagers, etc. and there is not enough motivation to continue the project of retrofitting and improving houses in the villages. Despite the positive effects of the project and the allocation of credits in recent years, the incompleteness of this project in many rural houses of the County shows the existence of the mentioned obstacles and the need to review the rules set for receiving loan by the authorities.
