Determinants of accessibility to microcredit in term of formal sector and informal sector
➤ Gửi thông báo lỗi ⚠️ Báo cáo tài liệu vi phạmNội dung chi tiết: Determinants of accessibility to microcredit in term of formal sector and informal sector
Determinants of accessibility to microcredit in term of formal sector and informal sector
UNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTS Determinants of accessibility to microcredit in term of formal sector and informal sector OF ACCESSIBILITY TO MICROCREDIT IN TERMS OF FORMAL SECTOR AND INFORMAL SECTOR------OOo-----TRAN THI NGOC ANH MAIAcademic Supervisor:DR. CAO HAO THI41974ABSTRACTMicrocredit is an emerging concept helping the poor out of poverty situation. This dissertation attempts to investigate the determinants af Determinants of accessibility to microcredit in term of formal sector and informal sectorfecting the probability of participation in different types of credit sectors in terms of formal sector and informal sector. Using a sample size of 1,Determinants of accessibility to microcredit in term of formal sector and informal sector
522 households participate in credit market from The Vietnam Access to Resources Household Survey (VARHS) 2012, bivariate probit model is employed to UNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTS Determinants of accessibility to microcredit in term of formal sector and informal sectornder, marital_stt, edu, hhsize, income, savingamount, landsize, agriculture_act, network and location that influence probability of accessibility to different sectors of credit. Furthermore, relationship between dependent variables is accounted in this research. Results reveal that factors affecting Determinants of accessibility to microcredit in term of formal sector and informal sector formal credit participation are different from factors affecting informal credit participation. Additionally, the result indicates that there is negaDeterminants of accessibility to microcredit in term of formal sector and informal sector
tive correlation across two sectors of credit.ACKNOWLEDGEMENTI would like to express my deepest thankfulness to my advisor. Dr. Cao Hao Thi who spent UNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTS Determinants of accessibility to microcredit in term of formal sector and informal sectorreciation to the teachers working on Vietnam Netherlands programme who gave great lectures and invaluable knowledge for US to complete the course.I am grateful to my parents and my siblings that always encourage and support me in my study and in every aspect of life.I also want to express my gratitu Determinants of accessibility to microcredit in term of formal sector and informal sectorde to my friends for sharing with me the difficulties and giving me the ideas, knowledge and materials for the study and for all the time we were at MDeterminants of accessibility to microcredit in term of formal sector and informal sector
aster in Development Economics 19.LIST OF FIGURESFigure 2.1 Probability of success and expected returns to borrowers.......9Figure 2.2 Return (0 the bUNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTS Determinants of accessibility to microcredit in term of formal sector and informal sectorseaLcli............................................30Figure 4.2 Participation in credit sector..................................33LIST OF TABLESTable 2.1 Definition of Variables........................................18Table 3,1 Microfinance Institutions ill Vietnam..........................20Table Determinants of accessibility to microcredit in term of formal sector and informal sector3.2 Comparison between formal and informal lenders...................28Table 4.1 Summary of Participation in different credit sectors.............32TaDeterminants of accessibility to microcredit in term of formal sector and informal sector
ble 4,2 Conditional and-Uncondltional Credit Participation Probabilities.33Table 4.3 Summary' statistics............................................34UNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTS Determinants of accessibility to microcredit in term of formal sector and informal sectorarticipation....................................44Table 5.3 Marginal effects for conditional probability of informal sector participation..................................46TABLE OF CONTENTS Determinants of accessibility to microcredit in term of formal sector and informal sectorUNIVERSITY OF ECONOMICS, HO CHI MINH CITYVIET NAM - NETHERLANDS PROGRAMME FOR M.A. PROGRAMIN DEVELOPMENT ECONOMICSloo M*.l> ot toual ÙuÁmDETERMINANTSGọi ngay
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