Determinants of Household Access to Formal Credit in the Rural Areas of the Mekong Delta, Vietnam

Duy, Vuong Quoc; D’Haese, Marijke; Lemba, J; Hau, Le Long; D’Haese, Luc

doi:10.1163/15692108-12341234

Cited by 47 publications

(53 citation statements)

References 31 publications

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“…The coefficient on farm capital had a positive and significant relationship with access to microcredit at the 10% level of significance. The result is consistent with Duy et al (2012) who found that a household's capital endowments are very important in the demand for formal credit as well as loan amount. Smallholder farmers are usually resource-poor and have little capital endowment.…”

Section: Determinants Of Access To Microcredit By Rural Householdssupporting

confidence: 91%

“…Analysis of the factors influencing smallholder farmers' access to microcredit has been carried out by various researchers such as Sebopetji andBelete (2009), Sanusi andAdedeji (2010), Duy et al (2012), Ibrahim and Aliero (2012), Chauke et al (2013) and Nouman et al (2013). Very few researchers such as Duy et al (2012) have analysed access to credit taking into account the possible presence of selectivity bias arising from non-random sampling of borrowers and non-borrowers.…”

Section: Introductionmentioning

confidence: 99%

“…Very few researchers such as Duy et al (2012) have analysed access to credit taking into account the possible presence of selectivity bias arising from non-random sampling of borrowers and non-borrowers. Similar analyses are difficult to find for Ghana and most subSaharan countries.…”

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

Factors influencing smallholder farmers access to agricultural microcredit in Northern Ghana

Anang¹,

Sipiläinen²,

Bäckman³

et al. 2015

Afr. J. Agric. Res.

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This paper explores access to agricultural microcredit in Ghana using household survey data collected for the 2013/2014 farming season. The study approaches the access to microcredit from two angles pertaining to the factors influencing access to loan and when accessed, the determinants of loan size. Since these two choices are related, the Heckman selection model was chosen as the analytical tool for addressing the possible presence of sample selectivity bias in the loan size regression. A multi-stage stratified random sampling technique was used to select 300 smallholder rice farmers from three irrigation schemes in Northern Ghana who were interviewed using a semi-structured questionnaire. The study revealed that the following factors influence access to agricultural microcredit in Northern Ghana: gender, household income, farm capital, improved technology adoption, contact with extension, the location of the farm, and awarenes s of lending institutions in the area. Gender, household size, farm capital, cattle ownership and improved technology adoption were the significant factors determining loan size. The study recommends the improvement of extension service delivery to smallholder farmers to enable them to access microcredit facilities for agricultural production.

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Section: Determinants Of Access To Microcredit By Rural Householdssupporting

confidence: 91%

Section: Introductionmentioning

confidence: 99%

See 1 more Smart Citation

Factors influencing smallholder farmers access to agricultural microcredit in Northern Ghana

Anang¹,

Sipiläinen²,

Bäckman³

et al. 2015

Afr. J. Agric. Res.

View full text Add to dashboard Cite

show abstract

“…VBSP is considered as a simple microfinance bank based on the scale of operation and the number of poor clients by the government of Vietnam's support policies [37]. The numbers of poor people able to access microfinance programs has increased significantly over the last two decades [36,39]. Microfinance operations have been contributing to job creation for the poor and this can help diversify the sources of income in the household.…”

Section: Lessons From Microfinance In Vietnammentioning

confidence: 99%

Microfinance Notes in the Context of Vietnam

2018

Adv. in Nat. Appl. Sci.

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“…Adicionalmente, Nguyen (2007) y Duy et al (2012) estudian los determinantes del crédito formal en la zona rural de Vietnam; en general encuentran que dentro de los factores más importantes están el tamaño del hogar, el trabajo del jefe del hogar en el sector agrícola o por cuenta propia, estado civil (casado), la distancia el mercado, la dotación de capital de los hogares y la región donde viven.…”

Section: Revisión De Literaturaunclassified

Determinantes del acceso al crédito formal e informal : evidencia de los hogares de ingresos medios y bajos en Colombia

Iregui-Bohórquez¹,

Melo-Becerra²,

Ramírez-Giraldo³

et al. 2016

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Este documento proporciona evidencia empírica sobre los determinantes de la probabilidad de que un hogar tenga crédito, con el sector formal o informal, tanto en zonas urbanas como rurales, para lo cual se utiliza información de la Encuesta Longitudinal Colombiana de la Universidad de los Andes. También, se analizan los posibles factores que afectan la probabilidad de que los hogares se encuentren atrasados en el pago de sus créditos. Los resultados indican que la probabilidad de que un hogar tenga crédito está relacionada positivamente con el hecho de que el jefe del hogar esté casado, con el nivel educativo, el nivel de ingreso, el tamaño del hogar, la propiedad de la vivienda y la participación laboral. En particular, las estimaciones indican que el ingreso y la educación tienen una correlación positiva con la probabilidad de tener crédito formal y negativa con la probabilidad de tener crédito informal. Finalmente, los choques que tienen un efecto directo sobre el ingreso de las familias y eventos inesperados aumentan la probabilidad de estar en mora.Palabras clave: Deuda de los hogares, crédito formal, crédito informal, mora, Colombia Clasificación JEL: C25, G21, D12, R22 * Las autoras pertenecen a la Unidad de Investigaciones de la Gerencia Técnica del Banco de la República. Agradecemos a Paula Zamora y Alejandro Herrera por su labor como asistentes de investigación durante el desarrollo de este proyecto. Las opiniones expresadas aquí son responsabilidad de las autoras y no reflejan necesariamente las opiniones del Banco de la República ni de su Junta Directiva. AbstractThe objective of this paper is to provide empirical evidences on the determinants of household credit, formal or informal, in both urban and rural areas, using data from the Encuesta Longitudinal Colombiana de la Universidad de los Andes. Also, we analyze the possible factors that affect the likelihood that a household is in arrears. Results from Logit estimations indicate that the probability that a household has credit is positively related to the fact that the head of household is married, with the educational level, income level, household size, the home ownership and labor market participation. In particular, estimates indicate that income and education are positively correlated with the probability of having a formal credit and negatively related with the likelihood of having informal credit. Finally, shocks that have a direct impact on household income and unexpected events increase the probability of credit default.

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Determinants of Household Access to Formal Credit in the Rural Areas of the Mekong Delta, Vietnam

Abstract: Abstract

Cited by 47 publications

References 31 publications

Factors influencing smallholder farmers access to agricultural microcredit in Northern Ghana

Factors influencing smallholder farmers access to agricultural microcredit in Northern Ghana

Microfinance Notes in the Context of Vietnam

Determinantes del acceso al crédito formal e informal : evidencia de los hogares de ingresos medios y bajos en Colombia

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