ACCESSIBILITY TO CREDIT FOR FARMERS IN RURAL AREAS: A CASE STUDY IN PHU GIAO DISTRICT, BINH DUONG PROVINCE

Tóm tắt

Agriculture and rural area are central to Vietnam's industrialization and
modernization strategy, with credit policies playing a key role in fostering rural
economic growth. This study identiöes the barriers to credit access faced by
agricultural households in rural areas, focusing on Phu Giao district, Binh
Duong province. Using binary logistic regression analysis, 14 factors were
found to inøuence credit access, including household characteristics (age,
gender, education, income, labor force, loan purposes, technology) and
institutional factors (transaction costs and collateral). The öndings inform
policy recommendations to enhance credit accessibility for farmers in the
region.