Abstract
The aim of this research was to identify the effects of micro-credits on different aspects of the lives of rural women. This research was a descriptive survey. The statistical population included rural women who were members of micro-credit funds in Markazi province (N=365). Using Krejcie & Morgan table, 120 of these women were selected as research samples (n=120). The research tool was a questionnaire in which the content validity was verified, corrected and confirmed by a panel of experts of the Office of Rural Women, and professors of Tarbiat Modares and Tehran universities. Reliability of the research tool was calculated at the end of preliminary tests using SPSS v. 8 in which Cronbach's alpha value was 0.79. In this paper, 31 factors were identified as main effects of micro-credits on different aspects of the lives of rural women. These factors were examined using an exploratory factor analysis (main components). Finally, variables were summarized into 6 new factors. The results of the exploratory factor analysis indicated that self-esteem, increase of employment, and empowerment were the most important effects of micro-credits influencing different aspects of the lives of rural women, explaining a total of 73.02% of variances.
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