Rural Credit in Vietnam
AbstractThis 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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Bibliographic InfoPaper provided by University of Copenhagen. Department of Economics in its series Discussion Papers with number 06-03.
Length: 22 pages
Date of creation: Feb 2006
Date of revision:
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More information through EDIRC
rural credit; household survey; Vietnam;
Find related papers by JEL classification:
- O12 - Economic Development, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
- O16 - Economic Development, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
- O17 - Economic Development, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
- O1 - Economic Development, Technological Change, and Growth - - Economic Development
This paper has been announced in the following NEP Reports:
- NEP-AGR-2006-03-13 (Agricultural Economics)
- NEP-ALL-2006-02-21 (All new papers)
- NEP-DEV-2006-02-24 (Development)
- NEP-FMK-2006-02-24 (Financial Markets)
- NEP-SEA-2006-02-21 (South East Asia)
- NEP-TRA-2006-02-23 (Transition Economics)
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