Ha Thi Thieu Dao, Ha Thi Thieu
Faculty of International Economics Banking University of Ho Chi Minh City

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CREDIT GUARANTEE FOR SMALL AND MEDIUM ENTERPRISES THE CASE OF MUNICIPAL CREDIT GUARANTEE FUNDS IN VIETNAM Dao, Ha Thi Thieu
ASIAN JOURNAL FOR POVERTY STUDIES (AJPS) Vol 3, No 1 (2017)
Publisher : Regional Network on Poverty Eradication

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Abstract

Only 23 out of 63 provinces in Vietnam have established credit guarantee funds since 2001, when Vietnamese government encouraged the establishment of provincial credit guarantee funds to support small and medium enterprises. The Credit Guarantee Fund which reach the largest small and medium enterprises guarantee for only 105 loans. The article uses content analysis method to assess the situation of credit guarantee operation for small and medium enterprises in Vietnam. Research shows that guarantee funds are currently not expanding due to the fact that unfavorable guarantee regulations do not encourage borrowing under the guarantee of these funds; charter capital is at small scale; cooperation between banks and these funds are not based on sharing benefits and risks; inflexible and increative Municipal Credit Guarantee Funds. Following the recent findings, the paper suggests recommendations for the policies to strengthen the credit accessibility of SMEs in Vietnam.
POOR HOUSEHOLDS’ CREDIT ACCESSIBILITY: THE CASE OF RURAL VIETNAM Dao, Ha Thi Thieu; Kim, Nguyen Thien; Mai, Nguyen Thi
ASIAN JOURNAL FOR POVERTY STUDIES (AJPS) Vol 1, No 2 (2015)
Publisher : Regional Network on Poverty Eradication

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Abstract

This paper examines determinants of accessibility to rural poor households in Vietnam from the viewpoint of policy makers, credit institutions and poor households. From supply side annual report of provider will be cited, from demand side, VHLSS primary data provided by GSO will be used. Beside that semi-structured questionnaire survey will be conducted to collect qualitative information. Logit model is employed to investigate the determinants of their outstanding loan. The quantitative model’s results express that age, education, regional differentiation, industrial differentiation, land, asset affect to credit access of poor households. The qualitative analysis finds out some recommendations for adjustment the poverty reducing credit policy
SETTLEMENT HOUSEHOLD LIVELIHOODS FOR POOR FISHERMEN: THE CASE OF CAM RANH RESERVOIR,KHANH HOA PROVINCE Dao, Ha Thi Thieu; Manh, Pham Hong
ASIAN JOURNAL FOR POVERTY STUDIES (AJPS) Vol 1, No 1 (2015)
Publisher : Regional Network on Poverty Eradication

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Abstract

This study aims to find solutions to solve the basic livelihoods of poor households in the tide reservoir Central Coast. The study results show that livelihoods of majority of families living around Cam Ranh reservoir depend mainly on fisheries resources. The increase effort in fishing effort using different fishing means has caused challenges for local government in solving problems of livelihood, environment and resources. Regression model finds out that besides demographic characteristics: the dependency ratio, education of household members and employment rate of adults, an increase fishing effort (boat) has affected the income and expenditure of poor households. Based on these findings, the authors suggest some recommendations to settle harmonious relationship between livelihoods and the environmentfor the poor fisherman in this area.