TAILIEUCHUNG - Determinants of access to bank credit for agricultural households in Vietnam
Determinants of access to bank credit for agricultural households in Vietnam. This study examines the determinants of access to bank credit for agricultural households in Vietnam. Although there have been many positive developments, there is still a big gap in the economy when agricultural and rural areas are compared with urban areas; many agricultural households are still living in poverty. | Journal of Economics and Development, , , December 2015, pp. 111-122 ISSN 1859 0020 Determinants of Access to Bank Credit for Agricultural Households in Vietnam Doan Thanh Ha University of Banking Ho Chi Minh City, Vietnam Email: hadt@ Abstract This study examines the determinants of access to bank credit for agricultural households in Vietnam. Although there have been many positive developments, there is still a big gap in the economy when agricultural and rural areas are compared with urban areas; many agricultural households are still living in poverty. With the assumption that the improvement of access to capital will help people escape from poverty to become rich, this paper provides evidence of determinants of access to bank credit, as well as the granted amount of credit capital for agricultural households. The data is collected from a survey of 1560 agricultural households , conducted in August 2013. The results show that the level of education of the householder, value of collateral, household income, householder experience and credit history, can affect access to bank credit. Keywords: Access to bank; agricultural households. Journal of Economics and Development 111 Vol. 17, , December 2015 1. Introduction country fell less than 5% (from down to ); while the rural labor force increased from to (Tran Tien Khai, 2013). The number of rural laborers did not decrease, but increased in contrast. In the context of limited agricultural land, labor pressure on agricultural land increases dramatically, causing a negative impact on the productivity of agricultural labor. Due to the low labor productivity, income per capita in rural areas is still very low, reaching about million VND/ person in 2010, about half compared to urban areas. Vietnam has an area of agricultural land of million ha, accounting for of the total area. Although agriculture contributes only about 18% of GDP, labor in this
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