The impact of access to credit on household welfare in rural Vietnam

Quach, Hao and Mullineux, Andy (2007) The impact of access to credit on household welfare in rural Vietnam. Research in Accounting in Emerging Economies, 7 . pp. 279-307. ISSN 1479-3563

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Abstract

In this paper, we investigate the determinants of household borrowing from the formal financial sector, the determinants of credit rationing by the formal sector and the impact of credit on household welfare in rural Vietnam. We find that education, savings, the area devoted to farming and the availability of formal credit are important determinants of both household borrowing and credit rationing by the formal sector. We also find that credit has a positive (albeit small) effect on household welfare in rural Vietnam. Our findings have policy implications for land and banking sector reform.

Keywords:microfinance, credit, poverty, Vietnam, bmjcheck
Subjects:N Business and Administrative studies > N300 Finance
L Social studies > L100 Economics
Divisions:Lincoln International Business School
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ID Code:16057
Deposited On:23 Nov 2014 13:53

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