An Analysis of the Impacts of Housing Bank Loans in Rural Areas( Case Study: of Villages in the Khoshkebijar District, Rasht County)‌‌

This study aims to identify the positive and negative impacts of housing bank loans in the rural areas of the Khoshkebijar District, Rasht County. In this regard, the research is applied in purpose and exploratory in nature, and methodologically falls within the category of qualitative research. The statistical population of this research consisted of local informed individuals and knowledgeable experts, including Islamic Councils and village administrators of the studied rural areas. Using theoretical sampling and reaching theoretical saturation, a total of 30 individuals were selected as the final sample. Due to their professional positions and residence in the region, these individuals possessed comprehensive awareness of the issues related to housing banking facilities and their consequences in the villages of Khoshkebijar District. The required qualitative data were extracted through interviews with these local experts.For data analysis, the Grounded Theory model along with FBMW and FAHP models were employed. The findings indicate that the positive outcomes of housing bank loans include: securing property ownership and sanitation for rural housing, promoting selected patterns of rural architecture, supporting local livelihoods, Theory model regarding the negative impacts of housing bank loans reveal that, from the experts’ perspective, the main drawbacks include: the time-consuming nature of rural housing construction, disruption of traditional rural livelihoods, disturbance of the socio-administrative environment, and the spread of so-called urban values into rural housing structures. Of these, the transformation of rural livelihood patterns was considered the most critical, with a weight of 0.354.