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Nhan đề: Rural credit market in Vietnam.
Tác giả: Barslund, Mikkel
Tarp, Finn
Từ khoá: Rural credit
Informal credit
Formal credit
Năm xuất bản: 2017
Tùng thư/Số báo cáo: Discussion Paper;
Tóm tắt: This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997 to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach to credit policy is clearly inappropriate.
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Appears in Collections:Economic development

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