Factors affecting poor people’s accessibility to the micro credit from Viet Nam Bank for Social Policies - Tra Vinh branch
International Journal of Development Research
Factors affecting poor people’s accessibility to the micro credit from Viet Nam Bank for Social Policies - Tra Vinh branch
Received 18th August, 2018; Received in revised form 21st September, 2018; Accepted 24th October, 2018; Published online 30th November, 2018.
Copyright © 2018, Ha Hong Nguyen and Hien thu thi Pham. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
The study on factors influencing poor people’s accessibility to micro credit from Viet Nam Nam Bank for Social policies - Tra Vinh branch was conducted with a survey of 385 poor people in the districts of Cau Ngang, Duyen Hai, Chau Thanh, Tra Cu and Cang Long in Tra Vinh province. With the use of the Logistic regression method, the research result found that there are five factors affecting poor people’s accessibility to micro credit, including household size, level of education, average income, dependency ratio, and household savings. Based on the research results, the author proposes practical solutions to improve poor people’s accessibility to micro credit from the Viet Nam Bank for Social Policies (Tra Vinh branch), which helps the local poor people improve their livelihood due to this source of capital.
