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Formal and Informal Rural Credit in Four Provinces of Vietnam

  • Mikkel Barslund
  • Finn Tarp

This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption smoothening. The determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit are striking. A 'one size fits all' approach to credit policy in Vietnam would be inappropriate.

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File URL: http://www.tandfonline.com/doi/abs/10.1080/00220380801980798
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Article provided by Taylor & Francis Journals in its journal Journal of Development Studies.

Volume (Year): 44 (2008)
Issue (Month): 4 ()
Pages: 485-503

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Handle: RePEc:taf:jdevst:v:44:y:2008:i:4:p:485-503
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  1. Diagne, Aliou & Zeller, Manfred & Sharma, Manohar, 2000. "Empirical measurements of households' access to credit and credit constraints in developing countries," FCND discussion papers 90, International Food Policy Research Institute (IFPRI).
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