Access to formal credit

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download

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   Download