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Nhan đề: Determinant of Access to Rural Credit and Its Effect on Living Standard: Case Study about Poor Householdsin Northwest, Vietnam (Note 1)
Tác giả: Tu, Tran Thi Thanh
Viet, Nguyen Quoc
Loi, Hoang Huu
Từ khoá: Rural credit
Poverty reduction
Poor household
Northwest of Vietnam
Năm xuất bản: Apr-2015
Tùng thư/Số báo cáo: International Journal of Financial Research;Volume 6, No. 2, Page 218 - 230
Tóm tắt: 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 tocredit; meanwhile, average of education level affects the probability to require and amount of credit. Interestingly, wefind that poor recognize by local and rate of non-farm income is positive factor of accessibility on formal credit; in addition, interestrate has statistically significant, implying has impact on loan amount. In otherwise, by using DID (Note 2) approach and OLS (Note 3) model for analyzing panel dataset in 2010, 2012; wefind that have only impact of accessing to loan on education expense in short-term. Next, the results also indicate that enhance education level and rate of non-agriculture income lead to achievement of living standards.
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ISSN: 1923-4023
Appears in Collections:Agriculture and rural development

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