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Access formal credit
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Access to formal credit of agricultural cooperatives in Vietnam: Obstacles and international lessons
The results and implications of this paper is expected to be a base for further researches to confirm and construct more detailed solutions so that Vietnamese agricultural cooperatives can have easier access to formal credit to develop as the leading economic field of our country.
16p
viindra
06-09-2023
6
3
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The observation of firms’ political connections (PCs) and corruption has raised the question of their benefits to firms’ operation, especially on accessing to the financial resources. Firms with stronger political connections or informal payment willingness may get easier in approaching to formal bank loans. The paper gives a better understanding about the characteristics of SMEs in an emerging market and a networkoriented country like Vietnam.
5p
visirius
11-01-2023
10
4
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The paper focuses on identifying the determinants of credit access in rural areas of Vietnam using the Red River Delta as the case study, including formal and informal credit. The paper uses data from Vietnam Household Living Standard Survey 2018 (VHLSS 2018) of General Statistics Office of Vietnam.
16p
visherylsandberg
18-05-2022
4
2
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The paper points out that the higher the level of education a person attains, the more considerable the disparities between urban and rural inhabitants can be observed. This fact strongly influences the occupations and incomes of urban as well as rural workers.
15p
chauchaungayxua12
09-07-2021
11
1
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The thesis has two main purposes: (i) Building a theoretical framework for analyzing gender equality in formal credit access; (ii) Alanyze credit access in 2 aspects: macro and micro approaches.
27p
trinhthamhodang8
20-10-2020
14
0
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The difficulty of enterprises in accessing capital is one of the barriers for development of Vietnamese enterprises in general and small and medium enterprises (SMEs) in particular. Difficult accessibility to capital forces enterprises to pay additional costs (both formal and informal) in order to obtain loans, thereby increasing their cost of production.
15p
viartemis2711
22-10-2019
39
1
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This study investigated the determinants of accessibility to formal credit and its effects on living standards from 2010 to 2012 based on dataset of Vietnam Households Living Standards Survey (VHLSS) from the General Statistics Office of Vietnam and support of Eview 7 program. It is evident that average of education level, land area per capita, owned residential area affect is key factors of accessing to credit; meanwhile, average of education level affects the probability to require and amount of credit.
13p
dannisa
19-03-2019
47
2
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Social capital is considered as an influential factor in economic transactions, including credit access. The research aims at testing relationships between components of social capital and credit access in Vietnam’s rural areas.
17p
danhnguyentuongvi27
18-12-2018
32
1
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his study investigated the determinants of accessibility to formal credit and its effects on living standards from 2010 to 2012 based on dataset of Vietnam Households Living Standards Survey (VHLSS) from the General Statistics Office of Vietnam and support of Eview 7 program.
13p
sansan1
24-05-2018
35
3
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This paper investigates the relationship between non-farm employment and household income in Hanoi's periurban areas. The findings showed that the vast majority of the sample households participate in non-farm activities and income from these sources mainly contributes to total household income. Factors affecting household income were examined using multiple regression models and the findings confirm the important role of non-farm employment in improving household income.
9p
banhukute
18-06-2013
58
4
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BÁO CÁO " ACCESS TO CREDIT OF ANIMAL PRODUCTION HOUSEHOLDS: A STUDY IN HAI DUONG PROVINCE, VIETNAM "
Recently, the credit supply from the formal credit sector to the rural area has increased considerably. However, the credit supply to agriculture is still far from the actual credit need and mismatching with the economic and social contribution of agriculture sector to the rural area. Using data from the household survey in Hai Duong, finding of this paper shows that the credit supply from the formal sector did not meet the credit need of animal production households.
11p
banhukute
18-06-2013
61
3
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The first set of indicators focuses on formal accounts; the mechanics of the use of these accounts ( frequency of use, mode of access); the purpose of these accounts (personal or business, receipt of payments from work, government, or family); barriers to account use; and alternatives to formal accounts (mobile money). The account penetration indicator measures individual or joint ownership of formal accounts—accounts at a formal financial institution such as a bank, credit union, co- operative, post office, or microfinance institution.
9p
mebachano
01-02-2013
34
2
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For participation in all markets, interventions which increase the compatibility between women’s productive and reproductive roles are key –such as access to quality child care and reproductive health services. Similarly, initiatives to improve infrastructure access can promote women’s economic empowerment across all markets. For example, increasing women’s ability to use various modes of transport would increase employability, allow women to interact with formal and informal credit market institutions, and provide easier access to markets for goods women produce.
12p
machuavo
19-01-2013
57
4
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But how “safe” is a savings account if you leave all of your money there for a long time, and the interest it earns doesn’t keep up with inflation? What if you save a dollar when it can buy a loaf of bread. But years later when you withdraw that dollar plus the interest you earned on it, it can only buy half a loaf? This is why many people put some of their money in savings, but look to investing so they can earn more over long periods of time, say three years or longer. Investing When you “invest,” you...
53p
machuavo
19-01-2013
43
2
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In densely populated areas of Asia and Latin America, providing credit has been the driving force of microfinance because opportunities to invest in income-generating activities are many. But rural Africans have been left out, both because they have been hard to reach and because their bottom-rung economic status makes savings – often a hedge against starvation itself – a higher priority than credit. Up to now, most efforts have been focused on overcoming the obstacles involved in bringing banking and microfinance to Africa’s poor.
126p
bi_ve_sau
17-01-2013
61
4
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First, there are a number of challenges for the first step of the credit creation, the decision of the lower tier of the financial system to extend credit to some enterprise which wants to conduct some investment project. The first problem is that a number of entrepreneurs and firms which in principle could conduct some profitable investment project have no or very constrained access to formal credit. There are a number of reasons for this phenomenon. First, in developing countries, the informal sector usually is of a larger relative size than in developed countries.
0p
enterroi
01-02-2013
42
5
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To gain a better understanding of the possible role of credit in improving house- hold food security and alleviating poverty in Malawi, in November 1994 the Inter- national Food Policy Research Institute and the Department of Rural Development, Bunda College of Agriculture, University of Malawi, initiated a research program on rural financial markets and household food security in Malawi. The main objective of the research program was to analyze the determinants of access to credit in Malawi and its impact on farm and nonfarm income and on household food security.
169p
enterroi
01-02-2013
66
8
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efficiency and quality. NGOs should be involved as management partners of the government for the shrimp cultivating areas. This will help reduce social tensions among various groups in the cultivating areas and ensure participation of the poor communities in all activities including decision making process. 9. Financial Support: Farmers, depot owners, small boat owners and transporters suffer from lack of capital to perform fishing activities. They have to rely on informal sources such as middlemen and traders for credit at a very high cost.
70p
lulanphuong
20-03-2012
70
5
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