Accessing bank credit

Besides bank credit, microcredit is an important capital supply channel for the economy. In Vietnam, the poor who cannot access credit capital to develop themselves and create income. Microcredit is mainly unsecured loans, so the risks are quite high, of which the biggest risk is the possibility of losing capital. Meanwhile, curently, the application of Fintech in the field of microcredit is almost negligible, making it impossible for people who need capital, but lenders are afraid of the risk of losing capital.

8p dathienlang1012 03-05-2024 0 0   Download

The article focuses on analyzing the current status of exports, export credit in Vietnam in the period 2010-2022, and obstacles of export enterprises in accessing credit capital, thereby proposing some solutions to remove difficulties for exporters in accessing bank credit capital.

10p longtimenosee09 08-04-2024 3 2   Download

This article discusses the access of enterprises to financial supply chain services in the Russian Federation. Based on the analysis of SME financing history, we deduce the difficulties for SMEs to access the bank financial services since their emergence in spite of their important role in the country's development process. Indeed, alternative sources of credits such as crowdfunding offer a new opportunity to SMEs.

9p longtimenosee06 27-03-2024 4 2   Download

The paper about supply chain digital model for educational management in the credit bank system. The objectives of this research: research were to study supply chain digital model for educational management in the credit bank system and to access the efficiency development of the model. The sample groups were ten experts in supply chain. Data analysis was the average mean and standard deviation.

4p longtimenosee04 06-03-2024 2 0   Download

Ebook "Finance for development: Latin America in comparative perspective" features case studies that demonstrate the changes occurring in Chile, Mexico, and Brazil with particular reference to finance for investment and access to credit. The authors conclude with a set of policy recommendations aimed at strengthening Latin American banks and capital markets so that they can play a greater role in supporting economic development.

325p loivantrinh 29-10-2023 6 5   Download

Access to finance is considered one of the top constraints on SMEs’ growth and survival. During bank crises, although facing a credit crunch, a few SMEs still survive, hence I study what makes survivor SMEs’ financial resilience. This is not clearly defined in previous studies. The study contributes to these with empirical evidence of SMEs in the UK from pre to post-crisis of the bank crisis of 2008.

14p vifriedrich 06-09-2023 7 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

This paper will provide the overall of banking credit for private sector and particularly for Small and Mediums Enterprises (SMEs). This paper also focus analysis what the challenges for the bank credit to SMEs in the pass and the future. In addition, this paper also explorer what the limitation for SMEs to access the bank credit. After that, this research will discuss and provide suggestions for Laos government, Bank of the Lao P.D.

11p huyetthienthan 23-11-2021 14 2   Download

This article is based on a study examining the implementation of the CGSs in Indonesia and Vietnam. It shows that critical factors for successful CGSs are including dissemination of the scheme to have a widely coverage of MSMEs, simple application procedure, incentives mechanism for channeling banks and guaranteed borrowers ...

19p viuchinaga2711 21-10-2021 15 1   Download

Poor Access to electricity may hinder West African countries from raising levels of financial development with the aid of Information communication Technology (ICT). Using 16 West African countries, and data over the period of 2000 to 2017, this present study analyses the effect of greater access to electricity on financial development through ICT. ICT was measured using mobile use and internet use, while financial development was measured using private bank credit to GDP ratio and Broad Money Supply to GDP ratio.

13p caygaocaolon11 18-04-2021 23 1   Download

This paper aims to examine the hypothesis that the method of entrusted lending via farmer-based unions is significant to resolve information asymmetries and facilitate households’ access to bank credit. This paper uses binary logistic regression models applied to data collected from a survey of 548 cinnamon households in Northwestern Vietnam.

9p nguaconbaynhay11 14-04-2021 11 1   Download

The paper has focused on analyzing the effects of bank capital on SMEs; Access to capital situation; The reason why SMEs have difficulty in accessing bank credit. From there, the author proposes solutions for small and medium enterprises to access bank loans most thoroughly for business development in the context of Industry 4.0.

6p vimanoban2711 06-04-2021 27 3   Download

The paper focuses on the characteristics of micro enterprises, the determinants of micro enterprises access to credit, especially access to commercial banks credit. This question is addressed by reviewing existing literature and empirical evidence.

12p vimanoban2711 06-04-2021 16 2   Download

The content of the thesis presents an overview of individual business households in Vietnam and household credit access; Research results of factors affecting credit access of individual business households in Vietnam.

0p nguathienthan10 23-02-2021 42 2   Download

The research group on factors affecting credit accessibility based on the characteristics of both customers and credit institutions.

0p trinhthamhodang1217 14-01-2021 39 2   Download

Credit institutions in Viet Nam regulated under Law on Credit Institutions(1) consist of commercial banks, non-bank credit institutions, and cooperative banks. The commercial banks are allowed to perform all types of banking activities and for profit purpose. The internal audit activity is established under direct supervision of Board of Supervisors (hereafter called BOS), which is elected by General Shareholders’ Meeting. As a consequence, the internal audit activity is expected to retain organizational independence as having direct access to Board of Directors (hereafter called BOD), BOS.

5p chauchaungayxua7 12-08-2020 25 1   Download

The dissertation's content focuses on analyzing the factors affecting access to bank credit capital of SMEs in Thai Nguyen province as a basis for developing appropriate solutions.

26p cothumenhmong6 17-07-2020 11 2   Download

Annual data on external debt, foreign direct investment and financial development were extracted from the World Bank World Development Indicators from 2002 to 2015. The data employed were analysed within causal research design and the dynamic panel using generalized method of moment estimation approach.

18p nguathienthan5 03-06-2020 22 3   Download

Access to credit is considered vital for small business survival. Many small-business owners in the United States indicate that one major obstacle to entry or expansion of their small business is the availability of sufficient intermediate and long-term capital to support their working capital and fixed-assets requirements. Relying on small business lending data from 2003 to 2009 collected under the Community Reinvestment Act (CRA), the paper examines small and medium-sized enterprise access to credit in the United States and makes policy and research recommendations.

8p 035522894 13-04-2020 34 2   Download

MNOs have grabbed the unbanked market including the rural areas that traditional banks have failed to access, traditional banks have been experiencing a decrease in the level of activity, including liquidity shortages, low deposits and limited credit availability. The MNOs have lower charges for transacting, and offer more convenience and accessibility as opposed to traditional banks. Interoperability between traditional banks and MNOs has been riddled with challenges from the main stream banking sector.

21p trinhthamhodang2 21-01-2020 39 1   Download