The effect of agricultural credit on farmers’ socio-economic condition in An Giang Province, Vietnam

Author: Trang Thi My Duyen

AIT Library Call Number: AIT Thesis no.RD-10-02

Year: 2010

Academic Program: Regional and Rural Development Planning (RRDP)

Type: Thesis (M.Sc.) – Asian Institute of Technology, 2010

Examination Committee: Gopal B. Thapa (Chairperson); Soparth Pongquan, Mokbul Morshed Ahmad (Examination Committee Members)

Abstract: The study focused on the effect of agricultural credit programs on borrowers‟ socio – economic conditions in An Giang Province of Vietnam. The primary data was collected through reconnaissance, field observation, questionnaire survey, key informants ‟ interview and group discussion in seven villages of two communes of Tri Ton District . The secondary information collected from the concerned financial institutions and other agencies including the Agriculture and Rural Development Office, Labor and Social Welfare Service . The main findings of the research identified that the farmers got credit on both group guarantee and collateral basis. The credit mostly used for production purpose however, some of the borrowers used some credit for consumption purpose as well. Overall, the credit positively made contribution to income, food security , employment opportunities, savings and capacity strengthening. Since household income increased, it helped to improve the quality of life of villagers . However, the amount of credit provided was inadequate. This constrained improv ed socio – economic status of poor villagers. Another significant finding was that some of villagers could not achieve more benefits from using credit in their production activities because of restricted loan size. They could not get adequate amount of loan because of insufficient or lack of collateral. Finally, a set of recommendation has been made suggest ions for improvement of the effectiveness of credit schemes. This can help the poor people to improve their income and quality of life.

Scholarship Donor(s): IFP – Ford Foundation, USA; AIT Fellowship

Note: A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science in Regional and Rural Development Planning

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Search keywords index: Trang Thi My Duyen The effect of agricultural credit on farmers’ socio-economic condition in An Giang Province, Vietnam Regional and Rural Development Planning (RRDP) Agricultural credit — Vietnam — Giang;