**6.3 Environmental development of rural areas**

The role of microcredit in the development of rural areas and economies around the world is not mysterious. Where microcredit became popular in uplifting productivity, poverty alleviation, generating a high income, and employment opportunities, its impact on the environment is also very important to assess. It is expected that microcredit plays important role in the adaptation of climate change. The timely availability of finance to the poor asset them to adopt the climate adaptation strategies such as irrigation technologies, harsh weather tolerant varieties, etc. Jordan [52] described the positive relation of microcredit and the adaptation of climate change strategies. Moreover, the microcredit to the poor in rural areas assists them in generating their high income and lowering their poverty level which requires the quality of the environment with time. They also have the chance of diversified income levels which reduce the risk of loss and have beneficial impacts on the environment [53]. The multidimensional impacts of microcredit in development can be sustainable, for example, microcredit helps the poor to alleviate their poverty which leads to uplifting their socio-economic sustainability, and once they are sustainable in their socio-economic conditions they require a quality environment. For this, microcredit institutions should focus the green entrepreneurship. The timely application of inputs for getting high yield and high income and becoming diversified in earning sources coupled with the environment care leads toward sustainable rural development.
