Factors affecting access to choice credit at people’s credit funds in Can Tho city

Abstract

This study aims to investigate the determinants of Can Tho citizen’s decision to make loans from the People’s Credit Funds
including rural and urban people in the area of production, bussiness, family bussiness, households, state employees.
With a dataset of 189 and the analysis methodology used in this thesiss such as descriptives statistics, aggregated
examination and probit regression. Probit regression model results show that there are 8 factors influencing citizen’s
decision to make loans at the People’s Credit Funds including: age, education, cost, documents, relationship, the size
of loans, collateral and interest. The implications of this study help the People’s Credit Funds enable to devise logical
policie