بررسی موانع دسترسی کارآفرینان کشاورزی به سرمایه مالی

  In today's world, despite the many changes and developments, entrepreneurship development in the agricultural sector has become a major necessity and the need, especially in developing countries, are increasingly is growing . Despite the growth of agriculture entrepreneurial businesses, access to finance for agricultural entrepreneurs, still remain a problem so that lack of access to finance have been mentioned as the main reason for the failure of entrepreneurial businesses. Therefore, the purpose of this survey study was to determine challenges of access to financial capital for agricultural entrepreneurs . The study used a descriptive survey design.The population of the study was consisted of two groups of agricultural entrepreneurs and managers of banks that according to Table Bartlett and others, the sample size was determined. Random sampling method was used to select the samples. The results showed that the long process of application, high interest rates, lack of collateral /guarantees, were identified as the main barriers perceived by men entrepreneurs in the process of receiving credit from banks. While barriers, lack of collateral/guarantee, inappropriate behavior, and the long process of application to the bank employees as the most important barriers identified by women entrepreneurs. Further findings showed that managers of commercial banks and financial institutions have mentioned lack of guarantees or collateral, poor business plan and poor financial track record of the entrepreneur as the main reasons for refuse of financial applicant entrepreneurs . It also appears that men and women finance their businesses differently. Men entrepreneurs are more to use from personal savings , banks and friends and relatives to obtain loans while women entrepreneur s would prefer to use from personal savings and friends and relatives rather than banks and private institutions.