An Analysis of Factors Affecting the Results of the Vietnam Bank for Social Policies (VBSP) Microcredit Use by Poor Households: A Case of Soc Son District
Poverty has always been an obstacle for countries to achieve sustainable development goals. Microcredit has been recognized as one of the most effective tools to alleviate poverty. However, after the initial success, the effectiveness of microcredit now are widely debated. Many studies have shown...
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| Format: | Theses |
| Language: | English |
| Published: |
2020
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| Subjects: | |
| Online Access: | http://repository.vnu.edu.vn/handle/VNU_123/70370 |
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| Institution: | Vietnam National University, Hanoi |
| Language: | English |
| Summary: | Poverty has always been an obstacle for countries to achieve sustainable
development goals. Microcredit has been recognized as one of the most effective tools
to alleviate poverty. However, after the initial success, the effectiveness of microcredit
now are widely debated. Many studies have shown that the use of such loan has some
issues. For instance, the use of microfinance loan normally lies in small-scale
agricultural production, which is risky and unsecured. In other words, the use of the loan
may not create sustainable result and may be affected by many factors, both internal and
external. This study investigates the factors that affected the usage of the microcredit
loan and the result of this study may detect the important factors that can be improved
to alleviate poverty. The study will use a quantitative approach with the analysis
conducted with SPSS and the data collected from Soc Son District and VBSP Soc Son.
On the other hand, the author also used in-depth interview with both the bank’s officers
and poor borrowers in order take a closer look on the matter. To conclude, the author
will suggest some recommendations for VBSP and local government to improve the
usage of the loan. |
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