Investigating the effective factors on willingness of farmers for bank facilities usage: Case study of Sistan and Balouchestan

Given the importance of credit in the agricultural sector, of course, get a credit, lack of credit by farmers has caused a revolution in agriculture and the production of its products. Because the agricultural sector and agriculture are the major recipients of agricultural credit, in this thesis that the variables that affect farmers' willingness to use the credits studied and evaluated. Therefore, knowledge of the factors affecting the willingness of farmers is essential in the use of credit and agricultural credit sector is a suitable guide for planners and help them to take appropriate, practical strategies. Data from 100 farmers in this province for 1393 was simple random sampling. To analyze the data, Granger causality test has been used. According to the fi nal results of variables with different religious beliefs and an increase in natural variables, the desire to take credit reduced. It is recommended that policymakers before any bank policy, customs and religious beliefs and its geographical location and then proceed to the full knowledge of the environment policy in the short term and long term. According to local fi xed income funds, it is recommended to use proper planning to be in the form of agricultural credit.