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This provides a particularly interesting case study in view of the large-scale changes that have taken place in the economy over the period, which has experienced the transition from a Central Economic Planning System towards a “socialist-oriented market economy”, with increased integration in the world economy. | VNU Journal of Science Economics and Business Vol. 36 No. 5E 2020 60-69 Original Article Development of Microfinance Organisations in Vietnam Hoang Thi Thu Hien1 John Creedy2 1 Vietnam Academy of Banking 12 Chua Boc Quang Trung Dong Da Hanoi Vietnam 2 Victoria University of Wellington New Zealand Received 01 December 2020 Revised 19 December 2020 Accepted 19 December 2020 Abstract The aim of this paper is to examine the development of microfinance in Vietnam from the early 1980s. This provides a particularly interesting case study in view of the large-scale changes that have taken place in the economy over the period which has experienced the transition from a Central Economic Planning System towards a socialist-oriented market economy with increased integration in the world economy. Starting from a framework or taxonomy of microfinance organisations the paper explores how the two main objectives of microfinance organisations - of meeting the economic needs of borrowers and being sustainable - have eventually been met using a diversity of organisational forms. Keywords Microfinance microfinance organisations Vietnam. 1. Introduction supply of other financial services such as savings micro-credit and so on. These services The aim of this paper is to examine the are offered by various institutions with development of microfinance in Vietnam from different institutional structures ranging from the early 1980s. This provides a particularly state-owned banks to non-governmental interesting case study in view of the large-scale organisations both for and not-for profit and changes that have taken place in the economy using contrastive lending methods. over the period. Indeed the formal use of the An important motivation for the analysis of term microfinance is relatively recent1. microfinance is that access to small amounts of Previously microfinance meant micro-credit credit is generally regarded as an important which corresponded to a credit of low amount factor to .
