Rural credit accessibility

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Ta Nhat Linh

University of Liege

April, 2020

01

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UNIVERSITY OF LIEGE

Determinants of access to

rural credit of farming

households

The case in Haiphong city, Vietnam

S D C C • 2 0 2 02

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CONTENT

ANALYTICAL FRAMEWORK

RESEARCH OBJECTIVES

RESEARCH QUESTIONS

SELECTION OF RESEARCH SITE

DATA COLLECTION

DATA ANALYSIS

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04

Analytical Framework

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What is Research objectives

Research questions as correspondence

S D C C • 2 0 2 0

S O U R C E S

O F C R E D I T

Formal Informal Both

D E T E R M I N A N T S

O F H H ' S

C R E D I T

A C C E S S I B I L I T Y

Socio-economic Income Production Credit

C R E D I T

R A T I O N I N G

06

P O L I C Y

I M P L I C A T I O N S

. 05

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06

Haiphong city

Tu Son

Tan Phong

Ngu Doan

Ngu Phuc

.

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07

DATA

COLLECTION

DATA

COLLECTION

Key informant Interviews

Household

surveys

Focus group

discussion

K e y i n f o r m a n t i n t e r v i e w s :

L o c a l a u t h o r i t i e s

F o r m a l c r e d i t s u p p l i e r s

F o c u s G r o u p d i s c u s s i o n

H o u s e h o l d s u r v e y s :

1 8 0 s a m p l e s

Data collection

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X : e x p l a n a t o r y v a r i a b l e s Y * : h a v e a c c e s s t o c r e d i t s o u r c e s i Y : b o r r o w i n g a m o u n t s o f H H s i f Y * = 1 R * : c r e d i t r a t i o n i n g i f P * = 1 DATA ANALYSIS 08

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09

D E S C R I P T I V E S T A T I S T I C S

R E S U L T S

D I S C U S S I O N

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DESCRIPTION OF VARIABLES

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11

SOURCES OF CREDIT

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SOURCES OF CREDIT

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CREDIT CONSTRAINTS

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CREDIT MARKET PARTICIPATION

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INTERACTION BETWEEN FORMAL AND INFORMAL MARKETS

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16

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CREDIT RATIONING

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Conclusion

CREDIT MARKET PARTICIPATION

BORROWING AMOUNTS

CREDIT RATIONING

QUESTIONS