Factors affecting the credit access of individual business households at Nam A Commercial Joint Stock Bank - Dong Nai province branch

ABSTRACT:

This study analyzes the factors affecting the access of individual business households to credit at Nam A Commercial Joint Stock Bank, Dong Nai province branch (Nam A Bank - Dong Nai Branch). The quantitative research method is used in this study to analyze data from 152 individual business households who have borrowed money from Nam A Bank - Dong Nai Branch. The study finds out that there are 6 factors affecting the credit access of individual business households at the bank including the gender of household head, business size, number of years in business, collateral, business household revenue, and age of household head. Based on the study’s findings, some solutions are proposed to help individual business households easily access credit sources and also support the bank to expand its credit activities for individual business households in the near future.

KEYWORDS: credit, individual business households, access to credit, Nam A Bank - Dong Nai Branch.

Bui Van Thuy, Vo Thi My Duyen, Le Nguyen Thu Uyen (2022)

Viet Nam trade and industry review. ISSN: 0866-7756, No. 23 (10/2022), pp. 342-347.