Author: Truong Chi Hieu
AIT Library Call Number: AIT Thesis no.RD-02-21
Year: 2002
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Thesis (M. Sc.) – Asian Institute of Technology, 2002
Examination Committee: Soparth Pongquan (Chairperson); Jayant Kumar Routray, B.W.E. Wickramanayake (Examination Committee Members)
Abstract: Credit provision is a critical issue in rural development. In Vietnam, even though there has been an impressive growth in consideration from the amount of the loan provided by formal credit institutions, the shortage of the credit has been a major constraint to the augmentation of economic development of the rural poor as well as improvement in their living conditions in general. Credit institutions in this study covered only formal institutions including the Provincial bank for Agricultural and Rural Development, the Provincial bank for the Poor, and the credit scheme of the Provincial Women’s Union. The research deals with the promotion of formal credit provisions to rural people. Main objectives of the research are to examine the extent of credit provisions by formal credit institutions to rural people to assess the accessibility of credit, credit’s needs between poor and non-poor households and identify the gap between the demand and the supply of the credit to identify factors affecting to the credit demand and repayment ability of rural households and the key determinants to examine people’s perception, their level of satisfaction and the benefits gained from the credit and to suggest recommendations to improve the delivery of the credit of financial institutions and provide implications for future planning. The research focused on a comparative study between poor and non-poor households. The research was conducted in a commune in the Central of Vietnam using a questionnaire fro a households survey as a prime method for data collection. The research was focused on quantitative analysis but qualitative technique was also applied. Based on the research findings, rural people had a high need of credit but their accessibility to credit institutions was low. Non-poor households had more favorable condition to access to those institutions. Main purpose of loan utilization was for production purpose. For the poor group, the credit demand of them was determined by the degree of feasibility of business plan rat
Scholarship Donor(s): Norwegian Agency for Development Cooperation
Note: A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science.
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