Influence of Credit on the Income of Households Borrowing from Banks: Evidence from Vietnam Bank for Agriculture and Rural Development, Kien Giang Province

• 영문명: Influence of Credit on the Income of Households Borrowing from Banks: Evidence from Vietnam Bank for Agriculture and Rural Development, Kien Giang Province
• 발행기관: 한국유통과학회
• 저자명: Quang Vang DANG Viet Thanh Truc TRAN Hieu PHAM Van Nam MAI Quoc Duy VUONG
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 10 No.2, 257~265쪽, 전체 9쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2023.02.28

영문 초록

This paper investigates the determinants of credit accessibility and the effect of credit on the income of farm households borrowing from Vietnam Bank for Agriculture and Rural Development, Giong Rieng District Branch, Kien Giang Province. Based on the primary data of 200 farming households who are the customer of the bank, the study applied the Probit regression model to examine determinant factors of credit accessibility of farm households and employed the Propensity score matching method to investigate the impact of credit on households’ income. The findings of the Probit regression shown that three independent variables that significantly influence the access to credit of households are household size, income source, and farm size. Besides that, the Propensity score matching method results showed a difference of 23.799 million VND/year between the income of borrowing households and that of non-borrowing households at the significance level of 1%. The difference in the imcome from the interval and central matching methods are VND 24.700 million VND/year and VND 24.633 million VND/year, respectively. Given empirical findings suggetsted that several recommendations to increase the credit accessibility of farm households, thereby creating favorable conditions for improving their income.

목차

1. Introduction

2. Literature Review

3. Research Methods

4. Results and Discussion

5. Conclusion

References

키워드

Credit Accessibility Income Farm Household Propensity Score Matching Method Probit Regression Model