文章基本信息

标题：Determinant of Access to Rural Credit and Its Effect on Living Standard: Case Study about Poor Households in Northwest, Vietnam
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作者：Tran Thi Thanh Tu ; Nguyen Quoc Viet ; Hoang Huu Loi 等
期刊名称：International Journal of Financial Research
印刷版ISSN：1923-4023
电子版ISSN：1923-4031
出版年度：2015
卷号：6
期号：2
页码：p218
DOI：10.5430/ijfr.v6n2p218
语种：English
出版社：Sciedu Press
摘要：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 to credit; meanwhile, average of education level affects the probability to require and amount of credit. Interestingly, we find that poor recognize by local and rate of non-farm income is positive factor of accessibility on formal credit; in addition, interest rate 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; we find 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.
其他摘要：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 to credit; meanwhile, average of education level affects the probability to require and amount of credit. Interestingly, we find that poor recognize by local and rate of non-farm income is positive factor of accessibility on formal credit; in addition, interest rate 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; we find 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.