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Factors Affecting The Access To Bank Credit Of Smes In Northeastern Region, Vietnam

Author

Listed:
  • Nguyen Thu Thuy

    (TNU-University of Economics and Business Administration (TUEBA))

  • Dinh Tran Ngoc Huy

    (Banking University of Ho Chi Minh city, Vietnam - International University of Japan)

Abstract

Thai Nguyen province is the center of the Northeastern region with the leading economic development rate in the region. In the period of 2013-2018, the access of small and mediumsized enterprises (SMEs) in Thai Nguyen province to bank credit tended to increase in terms of both number and amount of the loan. However, only 36,9% of businesses borrowed capital from banks (State Bank Branch in Thai Nguyen province, 2018) - This is a limited figure compared to demand. Conducting a survey of 300 SMEs in Thai Nguyen province with exploratory factor analysis, and multiple regression, this paper pointed out the factors and their impact on access to capital bank credit from businesses such as: Collateral, financial reports, business plans...Moreover, using Oneway Anova test the paper showed that medium-sized enterprises have better access to capital than small businesses; commercial enterprises’s access to credit is better than industrial enterprises and agricultural enterprises.

Suggested Citation

  • Nguyen Thu Thuy & Dinh Tran Ngoc Huy, 2020. "Factors Affecting The Access To Bank Credit Of Smes In Northeastern Region, Vietnam," International Journal of Entrepreneurship, Allied Business Academies, vol. 24(1).
    • Handle: RePEc:ris:ijentr:0153
    as

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    More about this item

    Keywords

    Access to Credit; Bank; Small and Medium Enterprises (SMEs);
    All these keywords.

    JEL classification:

    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage

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