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SME Access to Credit

Author

Listed:
  • Rand, John
  • Tarp, Finn
  • Coung, Tran Tien
  • Tam, Nguyen Thanh

Abstract

The aim of this paper is to inform the reader about the access to credit of small and medium sized enterprises (SMEs) in Vietnam based on two SME surveys. Recent evidence from a variety of sources suggests that credit to available to SMEs has increased over the past few years. This is confirmed by the two SME surveys. Fewer firms which applied for credit in 2005 were denied credit as compared to 2002. However, the rapid development of the private sector has also increased demand for credit (especially among the larger SMEs); and it appears that the formal financial sector is just managing to keep track with growth in general. We conclude by discussing these results and formulate a set of policy recommendations.

Suggested Citation

  • Rand, John & Tarp, Finn & Coung, Tran Tien & Tam, Nguyen Thanh, 2009. "SME Access to Credit," MPRA Paper 29467, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:29467
    as

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    File URL: https://mpra.ub.uni-muenchen.de/29467/1/MPRA_paper_29467.pdf
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    References listed on IDEAS

    as
    1. John Rand, 2007. "‘Credit Constraints and Determinants of the Cost of Capital in Vietnamese Manufacturing’," Small Business Economics, Springer, vol. 29(1), pages 1-13, June.
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    Cited by:

    1. John Armour & Douglas Cumming, 2008. "Bankruptcy Law and Entrepreneurship," American Law and Economics Review, Oxford University Press, vol. 10(2), pages 303-350.
    2. Song Han & Wenli Li, 2007. "Fresh Start or Head Start? The Effects of Filing for Personal Bankruptcy on Work Effort," Journal of Financial Services Research, Springer;Western Finance Association, vol. 31(2), pages 123-152, June.
    3. Nguyet CAO Thi Khanh, 2016. "What factors determine whether SMEs obtain credit from formal credit market? The case of Vietnam," APIR Discussion Paper Series 1005634, Asia Pacific Institute of Research.
    4. Duranton,Gilles & Ghani,Syed Ejaz & Goswami,Arti Grover & Kerr,William Robert, 2015. "Effects of land misallocation on capital allocations in India," Policy Research Working Paper Series 7451, The World Bank.
    5. Michelle J. White, 2008. "Bankruptcy: Past Puzzles, Recent Reforms, and the Mortgage Crisis," NBER Working Papers 14549, National Bureau of Economic Research, Inc.
    6. repec:asi:joabsj:2016:p:234-245 is not listed on IDEAS

    More about this item

    Keywords

    Vietnam; credit constraints; financial markets;

    JEL classification:

    • A1 - General Economics and Teaching - - General Economics

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