Mikro Kredi Kullanımının Tarım Sektörü Açısından Değerlendirilmesi: Aydın İli Örneği

Mikro kredinin, özellikle düşük gelirli kimselerin yaşam koşullarının belirli ölçüde de olsa iyileştirilmesi ve belki de diğer bir ifade ile topluma kazandırılması için önemli araçlardan biri olduğu ifade edilebilir. Çalışmada, Aydın ilinde, 2012-2013 yılları esas alınarak, mikro kredi sisteminden destek alan ve benzer özelliklere sahip olan hanehalkı geliri, arazi büyüklüğü gibi bazı sosyoekonomik karakteristikler 59 adet yararlanıcı ve mikro kredi desteğinden hiç yararlanmayan 61 adet birey de, karşılaştırma grubu olarak dikkate alınarak, toplam 120 adet birey ile anket çalışması yapılmıştır. Çalışmanın etki değerleme aşamasında; eğilim skoru eşleştirme yöntemi PSM ve ters olasılık ağırlıklandırması IPW tahmincileri kullanılarak, mikro kredi desteğinden yararlanmanın, hanehalkı geliri ve sahip olunan mal varlığı üzerindeki ortalama müdahale etkisi ve söz konusu destekten yararlanmış bireyler arasındaki ortalama müdahale etkisi hesaplanmıştır. Her iki tahminci kullanılarak yapılan analiz sonuçlarına göre, mikro kredi desteğinden yararlanmanın, yararlanmama durumuna göre bireyler ve dolayısıyla bu bireylerin içinde yaşamış oldukları hanehalkları gelirleri ve sahip oldukları mal varlıkları üzerinde pozitif etkilere sahip olduğu belirlenmiştir. İzleyen çalışmalarda, özellikle tarım sektöründe faaliyet gösteren dar gelirli bireylere yönelik sağlanacak mikro kredi desteklerinin, yörelere, ürün desenlerine ve güncel gelişmelere göre dinamik bir şekilde planlanmasının faydalı olacağı tavsiye edilmektedir

Anahtar Kelimeler:

eğilim skoru eşleştirme, mikro kredi, müdahale etkisi, refah düzeyi, ters olasılık ağırlıklandırması

Evaluation of Microcredit Usage Intended For Agriculture Sector: The Case Study of Aydın Region

It can be argued that microcredit is one of the most important tools for improving the living conditions of low-income individuals, in particular to some extent, and perhaps, in other words, reintegrating these individuals into the society. In the study, it is based on 2012-2013 years, 59 beneficiaries benefiting from the microcredit system and having similar characteristics some socioeconomic characteristics such as household income, land size, etc. and 61 individuals who did not benefit from microcredit, a total of 120 individuals are surveyed. In the treatment effect of the study, average treatment effect ATE and average treatment effect on the treated ATET on household income and possessed property for benefiting from the microcredit support are calculated using propensity score matching PSM and inverse probability weighting IPW estimators. According to the results of the analysis using both estimators, it is calculated that the use of microcredit support has positive effects on the incomes of the individuals and therefore the households they live in and the assets they own. It is recommended that in the following studies it will be useful to plan microcredit schemes for low-income individuals, particularly in the agriculture sector, in a dynamic way, based on locality, product patterns and current developments

Keywords:

propensity score matching, microcredit, treatment effect, welfare level, inverse probability weighting,

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