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Determinants of the access to bank loans for Vietnamese small and medium-sized enterprises
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Abstract
On World Bank Enterprise Survey in 2009, we investigated the determinants of loan access for small and medium-sized enterprises (SME). The Logit model is used to examine such factors related to enterprises as general information, financial qualities, trustworthiness, area variation, and especially PCI, determining the loan-access. Loan-access difficulty did not apply to small enterprises in the Northern Central, but it was particularly accessible for them to large loans. From the findings, it suggests that more relevant research be conducted in this area for deeper understanding and lessons applied to other areas.
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Keywords
loan, bank, small and medium-sized enterprises
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