Formal and informal credit in four provinces of Vietnam
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Formal and informal credit in four provinces of Vietnam. / Barslund, Mikkel; Tarp, Finn.
I: Journal of Development Studies, Bind 44, Nr. 4, 2008, s. 485-503.Publikation: Bidrag til tidsskrift › Tidsskriftartikel › Forskning › fagfællebedømt
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TY - JOUR
T1 - Formal and informal credit in four provinces of Vietnam
AU - Barslund, Mikkel
AU - Tarp, Finn
PY - 2008
Y1 - 2008
N2 - This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption smoothening. The determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit are striking. A 'one size fits all' approach to credit policy in Vietnam would be inappropriate
AB - This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption smoothening. The determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit are striking. A 'one size fits all' approach to credit policy in Vietnam would be inappropriate
U2 - 10.1080/00220380801980798
DO - 10.1080/00220380801980798
M3 - Journal article
VL - 44
SP - 485
EP - 503
JO - Journal of Development Studies
JF - Journal of Development Studies
SN - 0022-0388
IS - 4
ER -
ID: 4244343