The impact of microcredit on rural households in the Mekong River Delta of Vietnam

This paper evaluates how microcredit affects rural households in the Mekong River Delta of Vietnam using the propensity score matching methods. The results show that the Vietnam Bank for Social Policies (VBSP) microcredit program has a significant positive impact on household consumption but no sign...

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Bibliographic Details
Published in:Journal of the Asia Pacific economy 2014-01, Vol.19 (4), p.558-578
Main Authors: Phan, Dinh Khoi, Gan, Christopher, Nartea, Gilbert V., Cohen, David A.
Format: Article
Language:English
Subjects:
Banking
Benefits
Consumption
Economic analysis
Economic theory
Family income
Household economics
Household income
Households
Impact analysis
Income
Low income groups
Mekong river
Mekong River Delta
microcredit
Microfinance
Rural areas
rural households
Social policy
Studies
Vietnam
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Summary:This paper evaluates how microcredit affects rural households in the Mekong River Delta of Vietnam using the propensity score matching methods. The results show that the Vietnam Bank for Social Policies (VBSP) microcredit program has a significant positive impact on household consumption but no significant impact on household income. In addition, the findings show greater consumption and income impact for the 'true poor' when only the poor group is included in the analysis. This implies that this group benefits more from participating in the microcredit program than low-income households.
ISSN:1354-7860
1469-9648
DOI:10.1080/13547860.2014.920591