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VOL. 10, ISSUE 10 (2023)
Factors affecting credit access of individual business households in Vietnam
Authors
Tran Huu Ai
Abstract
In current conditions,
access to official credit and the role of official credit institutions are critical in promptly supplementing business
capital, ensuring the process of Production, business activities and services
are developed continuously and sustainably. Different from the view of business
households in the world, an individual business household in Vietnam is
understood as an individual or a group of people registering to do business in
a specific field on a small scale, with a single registration process simple
and having only one definite place of business. Combined with the research
context in Vietnam, the author has proposed a number of factors affecting
credit access of individual business households in Vietnam, including the
following 8 factors: (1) Collateral, ( 2) Income, (3) Business experience of
household head, (4) Geographical distance, (5) Loan interest rate, (6) Loan
procedure, (7) and Experience of commercial banking, Formal quantitative
research was conducted on a sample size of 526 individual business households.
The values of the scale are analyzed using the following methods: Cronbach's
Alpha, EFA, CFA and SEM to test the model's research hypotheses.
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Pages:39-46
How to cite this article:
Tran Huu Ai "Factors affecting credit access of individual business households in Vietnam". International Journal of Multidisciplinary Research and Development, Vol 10, Issue 10, 2023, Pages 39-46
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