Identifying barriers and restrictions on the use of government microcredit in the development of rural entrepreneurship activities (Case study: Radkan Dehestan)

Today, most people, especially in rural areas, are denied access to financial services such as microcredit, whether in the form of facilities or savings. This is if microcredit can boost entrepreneurial incentives among people who are thinking of starting a business in rural areas with potential, such as Radkan County. Therefore, the aim of the present study is to identify the barriers and limitations of using public micro-credit in the development of rural entrepreneurial activities in Radkan village. From the paradigm perspective, this research is considered as a qualitative research and has been carried out with a pathological approach and with the aim of exploration (obstacles and problems of using micro-government credits). In this study, the method of basic theory and the method of qualitative and semi-structured in-depth interviews have been used to collect information and data in 13 studied villages. Therefore, data collection was done first at the library level for theoretical review of the problem and then with unstructured and open interviews. The sample population consisted of 29 rural entrepreneurs from Radkan village and 68 rural people. The collected data were analyzed through content analysis and classified through open coding, central coding, and selective coding. Findings from the research have led to the extraction of the conceptual model of barriers and limitations to the use of microcredit for entrepreneurship. The findings showed that entrepreneurs and rural people due to obstacles and restrictions (economic, social and institutional-administrative) such as: insufficient loan amount, long process of obtaining loans, high interest rates and interest of banks, complexity of administrative and banking affairs and ... They stop taking loans.