Rural Credit in Vietnam
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Rural Credit in Vietnam. / Barslund, Mikkel Christoffer; Tarp, Finn.
Cph. : Department of Economics, University of Copenhagen, 2006.Research output: Working paper › Research
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TY - UNPB
T1 - Rural Credit in Vietnam
AU - Barslund, Mikkel Christoffer
AU - Tarp, Finn
N1 - JEL Classification: O12, O16, O17, O1
PY - 2006
Y1 - 2006
N2 - This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997 to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach to credit policy is clearly inappropriate.
AB - This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997 to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach to credit policy is clearly inappropriate.
KW - Faculty of Social Sciences
KW - rural credit
KW - household survey
KW - Vietnam
M3 - Working paper
BT - Rural Credit in Vietnam
PB - Department of Economics, University of Copenhagen
CY - Cph.
ER -
ID: 312504