Comparing the technical efficiency of farms benefiting from different agricultural interventions in Kenya's drylands
In: Development Southern Africa, Band 29, Heft 2, S. 287-301
ISSN: 1470-3637
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In: Development Southern Africa, Band 29, Heft 2, S. 287-301
ISSN: 1470-3637
In: African and Asian studies: AAS, Band 11, Heft 3, S. 261-287
ISSN: 1569-2108
This paper investigates the factors affecting the access of rural individual and group-based households to formal credit in the Mekong Delta (MD), Vietnam. Poverty levels in the Mekong Delta have reduced significantly over the last decades, but in the rural areas they remain significant. If it is assumed that access to credit is a vehicle for poverty alleviation, it is necessary to assess how households decide on borrowing. This paper identifies the determinants of the decision to borrow and of the amount that is borrowed by using the double hurdle model and Heckman selection model. Data used in this paper was obtained from a survey of 325 rural households, conducted between May and October 2009. The results indicate that household's capital endowments, marital status, family size, distance to the market center, and locations affect the probability to ask for and amount of credit.