The article discusses the factors affecting the access to formal credit by farming households in the Mekong Delta in 2009. Data includes 288 samples surveyed directly by authors and their colleagues in the period from May to October 2009. Employing the Heckman Selection Model, our research proves that head of the household (or householder) of Kinh (or purely Vietnamese) origin, locality where householder lives, size of the household, proportion of dependants, householder's participation in local authorities, and land area owned by the householder affect their access to formal credit supply.

Download