Relevant bibliographies by topics / Accessibility to credit / Journal articles
To see the other types of publications on this topic, follow the link: Accessibility to credit.

Journal articles on the topic 'Accessibility to credit'

Author: Grafiati
Published: 4 June 2021
Last updated: 8 February 2022

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Accessibility to credit.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Bhattacharjee, Manojit, and Meenakshi Rajeev. "Household's Accessibility to Credit." Indian Economic Journal 59, no. 3 (October 2011): 138–48. http://dx.doi.org/10.1177/0019466220110311.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

., Veerashekharappa. "Credit Accessibility to Vulnerable Sections: Management Perspective." Ushus - Journal of Business Management 6, no. 1 (January 10, 2007): 86–101. http://dx.doi.org/10.12725/ujbm.10.6.

Full text
Abstract:
Despite the vast expansion of the formal credit system in India, the dependence of the rural poor on informal credit institutions continues in some areas especially for meeting the emergency credit requirements. Such dependence is pronounced in the case of marginal farmers, landless labourers, petty traders and rural artisans, etc., particularly in the resource-poor areas. And credit needs of these sections determined in a complex socio-economic milieu, where it is difficult to adopt project lending approach as followed by banks and where the dividing line between credit for "consumption" and "productive" purposes is blurred (NABARD 1999). It is in this context, peoples' management in making credit to poor assumes significance. The participatory approach bring out the mutual trust and over comes the asymmetric information between the members, which is necessary for initiating banking relationship based on trust and confidence.
APA, Harvard, Vancouver, ISO, and other styles
3

Lin, Liqiong, Weizhuo Wang, Christopher Gan, David A. Cohen, and Quang T. T. Nguyen. "Rural Credit Constraint and Informal Rural Credit Accessibility in China." Sustainability 11, no. 7 (April 1, 2019): 1935. http://dx.doi.org/10.3390/su11071935.

Full text
Abstract:
This paper investigates the effects of rural households’ demographic characteristics on formal credit constraint, and explores the relationship between informal and formal lending in rural China. Using 2013 China’s Household Finance survey data, the authors apply probit regression models to investigate the effects of demographic factors on formal credit constraint and the household’s decision to borrow from informal credit sources. In addition, the endogenous switching regression model is applied to evaluate the impact of credit constraint on the welfare of rural farm households. The empirical evidence confirms that age, family size, annual household nonagricultural income, level of education, and history of informal borrowing have significant influence over credit constraint. Moreover, annual household nonagricultural income, the presence of children, borrowing from social networks and monthly communication expenses significantly impact rural households’ decision to utilise informal borrowing. Results from the endogenous switching regression model suggest that credit constraint by formal credit sources has no impact on household consumption.
APA, Harvard, Vancouver, ISO, and other styles
4

Korutaro Nkundabanyanga, Stephen, Denis Kasozi, Irene Nalukenge, and Venancio Tauringana. "Lending terms, financial literacy and formal credit accessibility." International Journal of Social Economics 41, no. 5 (May 6, 2014): 342–61. http://dx.doi.org/10.1108/ijse-03-2013-0075.

Full text
Abstract:
Purpose – The purpose of this paper is to investigate the relationship between commercial bank lending terms, financial literacy and access to formal credit by small and medium enterprises (SMEs). Design/methodology/approach – In this cross-sectional study, the authors surveyed 384 business owners or managers of SMEs in Uganda. The authors applied confirmatory factor analysis to reduce the number of factors and identify the important elements that capture commercial lending terms, financial literacy and access to formal credit. The authors put forward and tested two hypotheses relating to the significance of the relationship between perceived commercial bank lending terms, financial literacy and access to formal credit using structural equation modelling with analysis of moment structures 18. Findings – The results suggest a positive and significant relationship between perceived commercial bank lending terms, financial literacy and access to formal credit. Moreover, the ANOVA results serendipitously show that access to formal credit varies with type of business and turnover. However, collateral and loan repayment periods are not observed variables for commercial bank lending terms. The most significant observed variable for commercial bank lending terms is interest rates. This, together with financial literacy, explains 31 per cent of the variances in access to formal credit by SMEs in Uganda. Research limitations/implications – The study is limited to the SME firms registered and operating in Kampala, Uganda and it is possible that the results are only applicable to these firms in Uganda. Nevertheless, the findings have implications to commercial banks wishing to improve the turnover of their micro-lending schemes. Practical implications – Efforts by the stakeholders to improve financial literacy of SMEs owners and managers must be matched with favourable interest rates if access to formal credit is to be enhanced. Social implications – The findings also have implications for governments aiming at improving access to finance to overcome income inequality problems, and also improve their growth. Originality/value – The results provide initial evidence of the aggregate explanatory power of interest rates and financial literacy for the criterion variable, access to formal credit by SMEs.
APA, Harvard, Vancouver, ISO, and other styles
5

Ai, Tran Huu, and Nguyen Thi Mong Thu. "BANK CREDIT ACCESSIBILITY FOR SMALL AND MEDIUM ENTERPRISES IN HO CHI MINH CITY, VIETNAM." EUrASEANs: journal on global socio-economic dynamics, no. 2(27) (March 31, 2021): 35–46. http://dx.doi.org/10.35678/2539-5645.2(27).2021.35-46.

Full text
Abstract:
This study examines the impact of firm characteristics on SMEs' access to bank crediting. The study used primary data taken from a survey questionnaire of 269 SMEs that collected credit-related data concerning SMEs. Regression analysis is applied to identify the factors affecting the accessibility of bank credits. SPSS 22.0 software was used for further analysis. The results show that the characteristics of business affecting the ability to access bank credit include: enterprise's location, equity, business plan, collateral, project value and firm tax number. The factors of business plan and project value are the two most influential ones.
APA, Harvard, Vancouver, ISO, and other styles
6

Linh, Ta, Dang Anh Tuan, Phan Thu Trang, Hoang Trung Lai, Do Quynh Anh, Nguyen Viet Cuong, and Philippe Lebailly. "Determinants of Farming Households’ Credit Accessibility in Rural Areas of Vietnam: A Case Study in Haiphong City, Vietnam." Sustainability 12, no. 11 (May 26, 2020): 4357. http://dx.doi.org/10.3390/su12114357.

Full text
Abstract:
The role of agricultural sectors in the economic development of a country is undeniable, especially in developing and least-developed ones, ensuring food supply, increasing national income, export earnings and poverty reduction. Vietnam is known as an emerging market, depending directly on agriculture-related activities for their livelihood, in which the issue of rural credit access still remains a confounding problem. The paper focuses on identifying the determinants of credit access in rural areas of Vietnam using Haiphong city as a case study, including formal and informal credit. The paper uses data collected from a survey of 180 rural households in a district of Haiphong city. The probit and linear regression models are applied to investigate the factors that determine household credit accessibility, i.e., the household’s decision to borrow and borrowing amounts. Results of this analysis reveal the different significant determinants of formal and informal credit market access. Group membership and connection are found to have significantly strong impacts on formal credit accessibility while informal credit access is strongly influenced by agriculture income and dependency ratio. The implications of these findings for enhancing formal credit accessibility and decreasing the dependence on informal markets are discussed.
APA, Harvard, Vancouver, ISO, and other styles
7

Singh, Ruchi. "Credit constraints and Rural Migration: Evidence from Six Villages in Uttar Pradesh." Migration Letters 15, no. 3 (July 7, 2018): 389–98. http://dx.doi.org/10.33182/ml.v15i3.360.

Full text
Abstract:
Rural economies in developing countries are often characterized by credit constraints. Although few attempts have been made to understand the trends and patterns of male out-migration from Uttar Pradesh (UP), there is dearth of literature on the linkage between credit accessibility and male migration in rural Uttar Pradesh. The present study tries to fill this gap. The objective of this study is to assess the role of credit accessibility in determining rural male migration. A primary survey of 370 households was conducted in six villages of Jaunpur district in Uttar Pradesh. Simple statistical tools and a binary logistic regression model were used for analyzing the data. The result of the empirical analysis shows that various sources of credit and accessibility to them play a very important role in male migration in rural Uttar Pradesh. The study also found that the relationship between credit constraints and migration varies across various social groups in UP.
APA, Harvard, Vancouver, ISO, and other styles
8

Ma, Shuang, Xi Wu, and Li Gan. "Credit accessibility, institutional deficiency and entrepreneurship in China." China Economic Review 54 (April 2019): 160–75. http://dx.doi.org/10.1016/j.chieco.2018.10.015.

Full text
APA, Harvard, Vancouver, ISO, and other styles
9

Trung, Trinh Quoc, and Duong The Duy. "Impact of social capital on access to formal credits of shrimp households in the coastal districts of Ben Tre." Science & Technology Development Journal - Economics - Law and Management 2, no. 2 (December 31, 2018): 31–39. http://dx.doi.org/10.32508/stdjelm.v2i2.510.

Full text
Abstract:
The study was conducted in Ben Tre’s three coastal districts, namely Binh Dai, Ba Tri and Thanh Phu, with the aim to identify the structure and quality of social capital as well as its impact on the access to formal credits of 172 shrimp households. Using descriptive statistics, Logistic regression and multivariate regression, the results show that official social networks (i.e. associations and organizations), informal social networks (farming management, credit officers, family - . friends – colleagues), age, experience, number of years living in the locality and education level are determinants of the access to formal credits and credit amounts. In addition, the study also proposed a number of measures to expand the social capital and enhance the accessibility to formal credits of shrimp households.
APA, Harvard, Vancouver, ISO, and other styles
10

Wedelia, Lillah, Manuntun Parulian Hutagaol, and Arief Daryanto. "AKSESIBILITAS INDUSTRI PANGAN SKALA MIKRO KECIL TERHADAP SUMBER PEMBIAYAAN FORMAL DI KABUPATEN BOGOR." Jurnal Agribisnis Indonesia 5, no. 1 (February 14, 2018): 27. http://dx.doi.org/10.29244/jai.2017.5.1.27-38.

Full text
Abstract:
<em>The food industry is one of the small micro enterprises that have a role as a source of employment and incomes. The development of food industry have some problems, especially the lack of accessibility to formal credit institutions. The objectives of this study are to assess the characteristics of food industry and to identify the factors affecting accessibility food industry using the probit models. Result of the study show that the assets and education are an important factor in accessing credit to formal credit institutions.</em>
APA, Harvard, Vancouver, ISO, and other styles
11

Nguyen, Phuong Anh, Thuy Anh Tram Uong, and Quang Dung Nguyen. "How Small- and Medium-Sized Enterprise Innovation Affects Credit Accessibility: The Case of Vietnam." Sustainability 12, no. 22 (November 17, 2020): 9559. http://dx.doi.org/10.3390/su12229559.

Full text
Abstract:
Nowadays, small- and medium-sized enterprises play crucial roles in both developed and developing countries. They create new employment, fulfill the market gap, contribute to Gross Domestic Product and boost the whole economy. However, small- and medium-sized enterprises face more financial constraints than large enterprises, which prevent them from growing and expanding their activities. This paper aims to investigate how the innovation of small- and medium-sized enterprises impacts on credit accessibility in Vietnam from 2005 to 2015, through five aspects of innovation: new products, new technology, improved existing products, research and development investment, and machine innovation. The data set consists of more than 4500 observations of small- and medium-sized enterprises in Vietnam. This data set is taken from a survey conducted within the framework of cooperation among UNU-WIDER, the University of Copenhagen and Vietnamese government agencies. Using panel regression model, we found out that three out of five innovation factors significantly impact on credit accessibility. More specifically, research and development investment and new product have negative impact on credit accessibility; whereas new technology has positive impact on credit accessibility. These findings are useful for firm managers, banks and policy makers to help small- and medium-sized enterprises overcome financial constraints through innovation aspects.
APA, Harvard, Vancouver, ISO, and other styles
12

Dao, Ha Thi Thieu, Nguyen Thi Mai, and Nguyen Thien Kim. "Accessibility to credit of small medium enterprises in Vietnam." Afro-Asian J. of Finance and Accounting 6, no. 3 (2016): 241. http://dx.doi.org/10.1504/aajfa.2016.079291.

Full text
APA, Harvard, Vancouver, ISO, and other styles
13

UKWUABA, Ikenna Charles. "ASSESSMENT OF AGRICULTURAL CREDIT SOURCES AND ACCESSIBILITY IN NIGERIA." Review of Agricultural and Applied Economics 23, no. 2 (October 2020): 3–11. http://dx.doi.org/10.15414/raae.2020.23.02.03-11.

Full text
APA, Harvard, Vancouver, ISO, and other styles
14

Abaru, Biruma M., Amin W. Mugera, David W. Norman, and Allen M. Featherstone. "The Uganda rural farmers scheme: women’s accessibility to agricultural credit." Agricultural Finance Review 66, no. 2 (November 2006): 215–34. http://dx.doi.org/10.1108/00214660680001188.

Full text
APA, Harvard, Vancouver, ISO, and other styles
15

Kibicho, Nahashon Kairo, and John Mungai. "Mobile Banking Adoption and Financial Credit Accessibility in Wote Sub – County, Makueni County, Kenya." International Journal of Current Aspects 3, no. IV (July 6, 2019): 65–79. http://dx.doi.org/10.35942/ijcab.v3iiv.47.

Full text
Abstract:
Although the financial system is a vital component of the socio-economic development of any nation, most Kenyans lack access to formal financial credit services. This arises due to the cause of putting up bank branches in the rural areas is deemed not economically viable. Most banks have partnered with Mobile Network Operators to help mitigate this problem by introducing the use of Mobile banking (M-banking) technology in accessing vital banking services such as financial credit. However, this effort may not attain success if the factors inhibiting the use of M-banking technology have not been assessed. The purpose of this study was to establish the effect of Mobile banking adoption on financial credit accessibility by residents in Wote sub-county. This study was necessitated by the current emerging trend of accessing financial credit through the Mobile banking system. This study adopted a technology acceptance model to establish the effects of adopting mobile banking and its application in use of banking services among residents of Wote sub-county. The study was guided by the following objectives: To establish the effect of perceived usefulness, perceived ease of use, and perceived risk of using mobile banking technology and financial credit accessibility in Wote sub-county, Makueni county, Kenya. Descriptive research design was employed in which the study population comprised the residents of Wote sub-county. The target population of the study consisted of 137,944 mobile money users across both banked and non-banked population in Wote sub-county and the sample size comprised of 138 participants who were selected through the use of simple random sampling technique. Data was collected using a questionnaire whose reliability was established by use of Cronbach’s Alpha. All items in the questionnaire had a score of above 0.7 which was deemed to be the acceptable threshold. The questionnaires were administered through drop and pick later method. The data collected was processed and analysed using SPSS. Descriptive statistics such as percentages, frequencies, standard deviation and mean scores were used. Afterwards, the research findings were presented using frequency tables, pie charts and bar graphs. Multiple regression analysis was used to analyse and draw inferences from the research data. The results indicated that perceived usefulness of mobile banking technology perceived ease of use of mobile banking technology, and perceived risk of using mobile banking technology were statistically significant in accessing of financial credit. The intervening variable- customers’ attitude- was found to be non-significant. This study recommended that both the banks and MNO’s to continuously invest in product improvement of mobile banking systems to ensure the uptake of mobile credit is enhanced. The study also recommended that the financial service providers should engage in education and extensive customer awareness on use of mobile applications to access mobile credit as well as draw up strategies to reduce the mobile phone operational costs such as the interest charged on mobile loans which are a major hindrance. Further, the banks and MNO’s should increase extra security features in their systems to increase trust in accessing mobile credit. Finally, the service providers should make mobile banking more user friendly for ease of financial credit access by incorporating graphics interface.
APA, Harvard, Vancouver, ISO, and other styles
16

Walter, Rebecca J., Ruoniu Wang, and Sarah Jones. "Comparing Opportunity Metrics and Locational Outcomes in the Low-Income Housing Tax Credit Program." Journal of Planning Education and Research 38, no. 4 (May 22, 2017): 449–62. http://dx.doi.org/10.1177/0739456x17711224.

Full text
Abstract:
The Low-Income Housing Tax Credit (LIHTC) has been criticized for concentrating units in poor minority neighborhoods. This study analyzes the distribution of LIHTC units in San Antonio and assesses the opportunity provision in Texas’s 2016 Qualified Allocation Plan (QAP). Results indicate that since the incorporation of the opportunity provision in 2009, more tax credits have been allocated to neighborhoods with lower poverty and higher racial diversity. Maximum scoring neighborhoods in the current QAP are located in low-poverty communities that perform above average in socioeconomic conditions, but below average in accessibility and sustainable healthy environments.
APA, Harvard, Vancouver, ISO, and other styles
17

Musau, Salome, Stephen Muathe, and Lucy Mwangi. "Financial Inclusion, GDP and Credit Risk of Commercial Banks in Kenya." International Journal of Economics and Finance 10, no. 3 (February 20, 2018): 181. http://dx.doi.org/10.5539/ijef.v10n3p181.

Full text
Abstract:
This paper provides an empirical analysis of the synergies and trade-offs between financial inclusion and credit risk of commercial banks in Kenya. The paper analyzed the effect of financial inclusion on credit risk and the moderation effect of GDP on commercial banks in Kenya. Financial inclusion was measured using three dimensions of bank availability, bank accessibility and bank usage, while credit risk was represented by the non performing loans ratio. The study was anchored on financial intermediation theory supported by finance growth theory and asymmetry information theory. The target population was all the 43 commercial banks in Kenya. The study used secondary data collected from Central Bank of Kenya annual reports; commercial banks of Kenya published audited financial statements and annual data from Central Bureau of statistics of Kenya for the period between 2007-2015. Data was analyzed using descriptive statistics and panel multiple regression analysis. The results obtained found that bank availability, bank accessibility and bank usage had significant effect on credit risk of commercial banks in Kenya. GDP growth rate was found to partially moderate the relationship between financial inclusion and credit risk. From the findings the study concluded that financial inclusion has a significant effect on credit risk of commercial banks in Kenya. The study also recommended that commercial banks in Kenya to negotiate with Central Bank and the Ministry of Finance to put policies which support favorable macroeconomic variables especially GDP which influences the level of financial inclusion and bank credit risk.
APA, Harvard, Vancouver, ISO, and other styles
18

Ankrah Twumasi, Martinson, Yuansheng Jiang, Frank Osei Danquah, Abbas Ali Chandio, and Wonder Agbenyo. "The role of savings mobilization on access to credit: a case study of smallholder farmers in Ghana." Agricultural Finance Review 80, no. 2 (December 26, 2019): 275–90. http://dx.doi.org/10.1108/afr-05-2019-0055.

Full text
Abstract:
Purpose The purpose of this paper is to examine the effect of savings mobilization on access to credit among smallholder farmers’ in the Birim central municipality of Ghana. Design/methodology/approach A cross-sectional primary data set was used to estimate the factors influencing smallholder farmers’ access to credit and size of loan to be borrowed using the IV-Probit and IV-Tobit model. Findings The results of the study revealed that savings mobilization has a positive significant impact on access to credit and the total amount of credit one can borrow as well. Other control variables such as transaction cost and farm size depicted a negative significant impact on access to credit. Land ownership, member of an association, household size, years of farming experience and education also showed a positive significant impact on access to credit. Research limitations/implications The paper only examined the savings effect on credit accessibility among smallholder farmers in one of the municipality’s in the Eastern region of Ghana. Future research should consider all or many municipality for an informed generalization of findings. Practical implications This paper provides evidence that smallholder farmers knowledge on the financial market is poor and it would require the policymakers or NGOs to organize financial management training programs so that the farmers high ignorance of the financial market will significantly reduce. Originality/value Although existing studies have examined smallholder farmers’ access to credit, the unique contribution of this paper is the analysis of the impact of saving mobilization on credit accessibility in Ghana, a major access to credit determinant in the financial market. In addition, those researchers who factored in savings as an access to credit determinant did not also consider the casual relationship between these two variables, thus, the present of endogeneity of which this paper does.
APA, Harvard, Vancouver, ISO, and other styles
19

Zhang, Tong, Huiting Liu, and Pinghan Liang. "Social Trust Formation and Credit Accessibility—Evidence from Rural Households in China." Sustainability 12, no. 2 (January 16, 2020): 667. http://dx.doi.org/10.3390/su12020667.

Full text
Abstract:
Trust as a form of social capital plays an important role in improving the cooperation between agents, especially in credit lending activities. Trust building has attracted significant research interest, and gift giving has been shown to be one of its main drivers. Nonetheless, the mechanism of gift giving in the formation of trust networks and the channels through which gift giving and trust affect cooperation require further investigation. In this paper, we first separate social trust into community trust and personal trust, and we examine how gift giving affects the formation of each level of trust. We then explore how trust and gift giving affect rural households’ access to formal and informal sources of credit. Our results show that gift giving mainly helps in forming trust at the personal level rather than the community level. In turn, personal and community trust can facilitate access to informal and formal sources of credit, respectively. In addition, personal trust facilitates access to informal loans for consumption and medical expenses but not production. Overall, our findings show that gift giving is mainly used to build personal trust which facilitates access to informal lending for risk-sharing purposes.
APA, Harvard, Vancouver, ISO, and other styles
20

Baruah, Prasenjit Bujar. "Financial Access of Unorganised Manufacturing Enterprises in Assam." Space and Culture, India 2, no. 2 (November 1, 2014): 4. http://dx.doi.org/10.20896/saci.v2i2.84.

Full text
Abstract:
The unorganised sector is no more considered as a residual one in the developing and in the underdeveloped countries; rather it is considered as a common component of such economies. This sector is playing an important role in those countries both in terms of its contribution to the national income and employment generation. However, despite its importance, the enterprises in this sector are facing various problems. A large segment of enterprises state non-accessibility to credit is the most important problem faced by them. Moreover, existing reports and literature states that the formal financial institutions are not interested to deal with the unorganised enterprises. As a result, they have to depend on the informal sources of credit. This present paper based on secondary data analyses the various characteristics of unorganised manufacturing enterprises in Assam and their accessibility to credit. Results indicate that the average amount of outstanding loan per unorganised manufacturing enterprise in Assam is smaller than that of all-India average. Again, the enterprises in the rural areas are more dependent on the non-institutional sources of credit when compared to those in the urban areas. Similarly, the smaller enterprises have limited access to credit from the formal financial institutions as compared to the larger enterprises.
APA, Harvard, Vancouver, ISO, and other styles
21

Giang, Tran Long, and Hoang Thi Thanh Hang. "Factors Affecting the Bank Credit Accessibility of Rural Households in Vietnam." Asian Journal of Economics and Empirical Research 6, no. 1 (2019): 59–69. http://dx.doi.org/10.20448/journal.501.2019.61.59.69.

Full text
APA, Harvard, Vancouver, ISO, and other styles
22

Awazi, Nyong Princely, Lucie Felicite Temgoua, and Abubakar Ali Shidiki. "Examining Farmers’ Resilience to Climate Change and Policy Ramifications in North-West Cameroon." Current Research in Nutrition and Food Science Journal 16, no. 1 (April 28, 2021): 46–60. http://dx.doi.org/10.12944/cwe.16.1.06.

Full text
Abstract:
Over half of the world’s population depends on smallholder farms for their daily food needs. However, high levels of vulnerability and low levels of resilience to the adverse effects of climatic variations and changes constitute major threats to smallholder farms and farmers. It is within this context that this paper assessed the levels of resilience of smallholder farmers as well as the factors affecting smallholder farmers’ resilience to climate change in north western Cameroon. A mixed research approach was adopted during data collection, and data analysis was done using descriptive and inferential statistics. It was found that climate extremes were the order of the day, and farmers perceived income level, practice of agroforestry and land accessibility as the main determinants of resilience. The main resilience option practiced by most smallholder farmers was agroforestry. Chi-square and t-test statistics showed the existence of a statistically significant difference (p<0.05) between smallholder farmers resilience to climate change and different environmental, institutional and socio-economic variables. Logistic regression coefficients showed the existence of a statistically significant cause-effect relationship (p<0.05) between farmers’ resilience to climate change and different environmental, institutional and socio-economic variables such as income level, land accessibility, credit accessibility, information accessibility and number of farms. From the foregoing, income level, land accessibility, credit accessibility, information accessibility and number of farms play a significant role towards enhancing smallholder farmers’ resilience to climate change. Policy makers therefore need to factor in these variables when crafting policies geared towards improving smallholder farmers’ resilience to climate change.
APA, Harvard, Vancouver, ISO, and other styles
23

Widhiyanto, Iman, Nunung Nuryartono, Harianto Harianto, and Hermanto Siregar. "The Impact of Microcredit Interest Subsidy Accessibility on Paddy Farms' Performance." Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 19, no. 1 (May 9, 2018): 36. http://dx.doi.org/10.23917/jep.v19i1.5505.

Full text
Abstract:
Capital is required in farm to buy input such as fertilizer, pesticide, seed, land rent, labor wage, and to adopt the latest technology. To ease the burden of loan interest and to increase the access of farm to formal credit, the government provides interest subsidy for Food Security and Energy Credit (Kredit Ketahanan Pangan dan Energi, KKP-E). This study was aimed to analyze the impact of accessing KKP-E on paddy farms’ performance. The methods used in this study are descriptive analysis and propensity score matching model. Accessibility of KKP-E in research location was able to increase fertilizer use of 16.98 percent, pesticide use of 40.23 percent, labor outside farm household use of 43.08 percent, production of 58 percent, productivity of 23.64 percent, and farm profit of 84.5 percent. This quite high increase in percentage was due to the reason that farm business scale in this study was categorized as small-scale business.
APA, Harvard, Vancouver, ISO, and other styles
24

Njue, Michael Njeru, and Marion Mbogo. "TOOLS OR SYSTEMS FOR IMPROVING ACCESSIBILITY TO FINANCIAL PRODUCTS AND SERVICES." International Journal of Finance 2, no. 4 (February 14, 2017): 17. http://dx.doi.org/10.47941/ijf.106.

Full text
Abstract:
Purpose: The purpose of this study was to highlight the need for banks to develop financial products and services for small and medium enterprises.Methodology:The research design was descriptive survey study. The target population was 46 commercial banks .The sampling frame was the list of commercial banks given at the Central bank of Kenya Website. A sample of 17 banks was selected using random sampling. The second stage of sampling involved the selection of the respondents using a stratified sampling approach. The strata were the various departments that interact with SMEs in a bank. The respondents were the head of departments of the respective departments that form the strata. Both qualitative and quantitative data was collected using a questionnaire that consisted of both open ended and close ended questions. Data was analyzed using Statistical Package for Social Sciences (SPSS.Results: One of the study objectives was to establish the level of access to financial products and services offered by the banks to SMEs. Results from the bank manager’s perspective indicated that the level of access to finance was high, but the bank clients indicated otherwise, that it was low. The other objective of the study was to determine the factors that hinder the SMEs from accessing the financial products offered by banks. Results indicated that several factors influence access of SMEs to finance. These factors include gender, level of education, size of the business, age of the entrepreneur, collateral, and level of income for the entrepreneurs. All the factors had a negative effect on the access of finances from the banks by SMEs and hence indicate SMEs low access to financial products. Another objective of the study was to establish the tools or systems required to improve accessibility to financial products offered. Results indicated that there are tools and systems put in place by banks to improve accessibility to financial products offered to small and medium enterprises.Unique contribution to theory, practice and policy:The study recommended that training be emphasized to SME entrepreneurs on financial matters, all gender to be treated equally, the banks to introduce financial education programs for SMEs to improve their access to credit, banks to further make use of a credit scoring system to assess the credit worthiness of small businesses and to introduce the use of new credit bureau regulations to increase SME finances.
APA, Harvard, Vancouver, ISO, and other styles
25

An, Jiyoun, and Bokyeong Park. "Natural Disasters and International Financial Accessibility in Developing Countries." Asian Economic Papers 18, no. 1 (March 2019): 245–61. http://dx.doi.org/10.1162/asep_a_00682.

Full text
Abstract:
This study examines the impact of natural disasters on affected countries’ accessibility to international financial resources. We find empirical evidence that natural disasters significantly downgrade the sovereign credit rating of an affected country, an indicator of international financial accessibility. This finding is robust in developing countries, implying that they are faced with additional difficulties in financing post-disaster recovery costs compared with developed countries. Among disasters, droughts and storms display a particularly significant downgrading effect. Further results show that foreign aid from the international community helps to improve the accessibility, implying a possible acceleration of the post-disaster recovery in recipient countries.
APA, Harvard, Vancouver, ISO, and other styles
26

Musau, Salome, Stephen Muathe, and Lucy Mwangi. "Financial Inclusion, Bank Competitiveness and Credit Risk of Commercial Banks in Kenya." International Journal of Financial Research 9, no. 1 (November 30, 2017): 203. http://dx.doi.org/10.5430/ijfr.v9n1p203.

Full text
Abstract:
This paper provides an empirical analysis of the synergies and trade-offs between financial inclusion and credit risk of commercial banks in Kenya. The paper analyzed the effect of financial inclusion on credit risk and the mediation effect of bank competitiveness of commercial banks in Kenya. Financial inclusion was measured using three dimensions of bank availability, bank accessibility and bank usage, bank competitiveness used (HHI) while credit risk was represented by the non performing loans ratio. The study was anchored on financial intermediation theory supported by finance growth theory and asymmetry information theory. The target population was all the 43 commercial banks in Kenya. The study used secondary data collected from Central Bank of Kenya annual reports; commercial banks of Kenya published audited financial statements and annual data from Central Bureau of statistics of Kenya for the period of 2007-2015. Data was analyzed using descriptive statistics and panel multiple regression analysis. The results obtained found that bank availability, bank accessibility and bank usage had significant effect on credit risk of commercial banks in Kenya. Bank competitiveness was found to partially mediate the relationship between financial inclusion and credit risk. From the findings the study concluded that financial inclusion has a significant effect on stability of commercial banks in Kenya. The study recommends that commercial banks to formulate policies to ensure they remain stable and competitive while accommodating their activities to ensure financial inclusion, hence forming an all inclusive and stable financial sector over time.
APA, Harvard, Vancouver, ISO, and other styles
27

Tania Parvin, Mst, Kanij Fatema, and Sadika Haque. "Factors Determining the Credit Accessibility by the Small-Scale Entrepreneurs: A Case of Handloom Weaving in Bangladesh." International Journal of Business and Management 15, no. 8 (July 10, 2020): 93. http://dx.doi.org/10.5539/ijbm.v15n8p93.

Full text
Abstract:
This study examines the determinants of access to credit by the handloom weavers in Bangladesh. Using the multistage sampling technique, the primary data for the analysis were collected from 311 randomly selected handloom weavers from Sirajganj district of Bangladesh during July to December 2015. The data are analyzed by using the Logit model. The model identifies several individual, household, community, and institution-specific factors as the significant determinants of credit access. Among them, family size, farm size, work experience, saving and the flexibility in the terms and conditions of loan use increase the probability of credit access by the handloom weavers whereas the risk aversion attitude and the distance between the Microfinance Institutions (MFIs) from the commune reduce such possibility. Therefore, this study suggests that respondents should utilize the joint effort of the available family members in this labor-intensive business while undertaking rational decisions enhanced through the skills and capabilities acquired over the years. They should maintain a sufficient amount of saving to prove them eligible in repaying their credit. From the institutional perspective, it is suggested that the MFIs should provide adequate financial and non-financial services to its clientele as per their needs. Borrowers&rsquo; easy accessibility to the institutions should also be ensured. In doing so, they should open up more branches in the villages so that the door to door services are available to the borrowers. It is expected that these recommendations will help in improving the credit access by the handloom weavers in Bangladesh.
APA, Harvard, Vancouver, ISO, and other styles
28

Jin, Sun-Mi, and Chung-Won Suh. "Measuring Healthy Food Accessibility in Low-Income Housing Tax Credit(LIHTC) Neighborhoods." SH Urban Research & Insight 6, no. 2 (December 31, 2016): 103–17. http://dx.doi.org/10.26700/shuri.2016.12.6.2.103.

Full text
APA, Harvard, Vancouver, ISO, and other styles
29

Xu, Nana, Jingye Shi, Zhao Rong, and Yan Yuan. "Financial literacy and formal credit accessibility: Evidence from informal businesses in China." Finance Research Letters 36 (October 2020): 101327. http://dx.doi.org/10.1016/j.frl.2019.101327.

Full text
APA, Harvard, Vancouver, ISO, and other styles
30

Prior, Francesc, and Antonio Argandoña. "Best Practices in Credit Accessibility and Corporate Social Responsibility in Financial Institutions." Journal of Business Ethics 87, S1 (June 4, 2008): 251–65. http://dx.doi.org/10.1007/s10551-008-9799-8.

Full text
APA, Harvard, Vancouver, ISO, and other styles
31

Atamja, Louis, and Sungjoon Yoo. "Credit Constraint and Rural Household Welfare in the Mezam Division of the North-West Region of Cameroon." Sustainability 13, no. 11 (May 25, 2021): 5964. http://dx.doi.org/10.3390/su13115964.

Full text
Abstract:
The purpose of this study is to examine the effect of the rural household’s head and household characteristics on credit accessibility. This study also seeks to investigate how credit constraint affects rural household welfare in the Mezam division of the North-West region of Cameroon. Using data from a household survey questionnaire, we found that 36.88% of the households were credit-constrained, while 63.13% were unconstrained. A probit regression model was used to examine the determinants of households’ credit access, while an endogenous switching regression model was used to analyze the impact of credit constraint on household welfare. The results from the probit regression model indicate the importance of the farmer’s or trader’s organization membership, occupation, and savings to the household’s likelihood of being credit-constrained. On the other hand, a prediction from the endogenous switching regression model confirms that households with access to credit have a better standard of welfare than a constrained household. From the results, it is necessary for the government to subsidize microfinance institutions, so that they can take on the risk of offering credit to rural households.
APA, Harvard, Vancouver, ISO, and other styles
32

Athens, Lucia. "Design for Social Sustainability at Seattle's Central Library." Journal of Green Building 2, no. 1 (February 1, 2007): 1–21. http://dx.doi.org/10.3992/jgb.2.1.1.

Full text
Abstract:
As a culture we hold dear social values such as public good, health and well-being, quality of life, diversity, and equity. The focus of this article is how Seattle's Central Library, a Silver LEED™ project, integrates social benefit into its design. While LEED provides credit opportunities for some social issues, many are not addressed by the LEED System. The Seattle project provides a rich example of how to integrate a broader range of social sustainability into green design thinking. Issues for consideration include: design to encourage social interaction, accessibility, economic development, cultural arts, and improved staff efficiency and ergonomics. This discussion searches for lessons learned that might inspire the emergence of new LEED credits.
APA, Harvard, Vancouver, ISO, and other styles
33

Herliana, Sri, Acip Sutardi, Qorri Aina, Qonita Himmatul Aliya, and Nur Lawiyah. "The Constraints of Agricultural Credit and Government Policy Strategy." MATEC Web of Conferences 215 (2018): 02008. http://dx.doi.org/10.1051/matecconf/201821502008.

Full text
Abstract:
Low access to credit in the agricultural sector is also caused by problems of agricultural sector actors (especially farmers) and financial institutions. Farmers are still having difficulty in accessing credit (accessibility and unbankable) and the limited financial institutions that channel credit to the agricultural sector. Therefore, the government must issue a policy in growing the agricultural sector, especially in anticipation of access credit constraints by farmers. The agricultural sector as a high-risk business, therefore formal institutions are less interested in financing the agricultural sector on the grounds of high transaction costs, asymmetric information, low profits, lack of collateral, education of farmers is relatively low. In addition, most banks do not want to finance agriculture due to fluctuating production and uncontrolled price risk. While the constraints of the farmers in obtaining formal credit is a complex procedure, there should be collateral as well as high payment delay fees, long distances and less information about capital.
APA, Harvard, Vancouver, ISO, and other styles
34

Sugiharti, Lilik, and Martha Ranggi Primanthi. "The Determinants of Poverty: Case of Indonesia." GATR Global Journal of Business and Social Science Review (GJBSSR) Vol.5(3) Jul-Sep 2017 5, no. 3 (July 5, 2017): 58–68. http://dx.doi.org/10.35609/gjbssr.2017.5.3(8).

Full text
Abstract:
Objective - The objectives of the study were to analyze the general picture of poverty, and determinants of poverty in Indonesia. Understanding poverty characteristic is a main point for designing an effective poverty reduction strategy. During the last five years Indonesia has experienced a slowing down growth and the poverty rates has declined slightly. Some provinces or regions have managed to reduce the poverty well, while others have been slower, and also the distribution of the poor is uneven across both rural and urban, generally the rural is more than urban area. Methodology/Technique - Factors determining poverty of households were estimated and anayzed using a logit regression model, and it is found that such demographic factors as gender and age of households head, size of households, factors of production included accessibility to the technology and credit, working status, and education attainment, and also geographic characteristics significantly explain reasons for being poor. Moreover, increasing for accessibility of households to the technology and credit, reducing the size of households, and increasing an education attainment especially in rural area are important to do as a government priority intervention. Findings - The results of the determinants of poverty in Indonesia shows that poor households are those with large number of dependents and equipped with limited education access, and the majority of these households live in rural area. Novelty - Study suggests that increasing for accessibility of households to the technology and credit, reducing the size of households, and increasing an education attainment especially in rural area are important to do as a government priority intervention or policy implications. Type of Paper: Empirical Keywords: Logit Regression; Poverty Reduction, Indonesia. JEL Classification: I21, I22, I24.
APA, Harvard, Vancouver, ISO, and other styles
35

Kumar, Dinesh, and Arjinder Kaur. "Accessibility of marginal and small farmers to institutional credit in south western Punjab." Indian Journal of Economics and Development 13, no. 2a (2017): 577. http://dx.doi.org/10.5958/2322-0430.2017.00134.2.

Full text
APA, Harvard, Vancouver, ISO, and other styles
36

P.T., Dong, and Hong N.T. "RESEARCH OVERVIEW ON THE CREDIT ACCESSIBILITY TO CAPITAL OF SMALL AND MEDIUM ENTERPRISES." Review of Business Research 18, no. 2 (October 1, 2018): 73–78. http://dx.doi.org/10.18374/rbr-18-2.10.

Full text
APA, Harvard, Vancouver, ISO, and other styles
37

Asnaw, Aslina, Sitti Nurani Sirajuddin, and Veronica Sri Lestari. "How do Lending Relationship Affect to Credit Accessibility in Cattle Farm in Indonesia?" European Journal of Sustainable Development 3, no. 4 (September 2014): 359–64. http://dx.doi.org/10.14207/ejsd.2014.v3n4p359.

Full text
APA, Harvard, Vancouver, ISO, and other styles
38

Prior, Francesc, and Antonio Argandoña. "Credit accessibility and corporate social responsibility in financial institutions: the case of microfinance." Business Ethics: A European Review 18, no. 4 (October 2009): 349–63. http://dx.doi.org/10.1111/j.1467-8608.2009.01568.x.

Full text
APA, Harvard, Vancouver, ISO, and other styles
39

Bairagya, Indrajit, Tulika Bhattacharya, and Manojit Bhattacharjee. "Impact of Credit Accessibility on the Earnings of Self-employed Businesses in India." Journal of Asian Economics 69 (August 2020): 101202. http://dx.doi.org/10.1016/j.asieco.2020.101202.

Full text
APA, Harvard, Vancouver, ISO, and other styles
40

Negara, Sonny Brilliant Candra. "The Influence of Accessibility, Personal Sales and Interest in the Decision of Use of Micro Business Credits (KUM) and Customer Loyalty (Study on Customer of BANK MANDIRI Sepanjang Kota Sidoarjo)." IJIEEB : International Journal of Integrated Education, Engineering and Business 1, no. 2 (September 30, 2018): 61–67. http://dx.doi.org/10.29138/ijieeb.v1i2.761.

Full text
Abstract:
This study aims to determine the effect of accessibility, personal selling, interest rates on micro business credit usage decisions and customer loyalty in independent banks throughout the city of Sidoarjo.Methodology: This type of research is quantitative. The research data are primary data obtained from samples with the number of 100 respondents who are customers of Bank Mandiri throughout the city of Sidoarjo. The sampling technique is done using a questionnaire. The data analysis used is Partial Least Square (PLS). Data is processed using SmartPLS.The results of the study show that accessibility, personal sales, and interest rates are significantly influenced by purchasing decisions and customer loyalty. Given accessibility, personal sales and interest rates that have a significant positive influence and a major contribution to Bank Mandiri's buying and loyalty decisions throughout the city of Sidoarjo. Directions must pay attention to accessibility, personal sales, and interest rates
APA, Harvard, Vancouver, ISO, and other styles
41

FONTAINE, Patrice C., and Sujiao ZHAO. "The supply-side effect on the use of debt with very short and very long maturities." Finance Bulletin 1, no. 1 (March 25, 2017): 11–29. http://dx.doi.org/10.20870/fb.2017.1.1.1848.

Full text
Abstract:
We find that the pre-documented factors influence debt maturity contingent upon credit accessibility and economic conditions. Firms reliant on bank loans avoid employing short-maturity debts even though they face severe information and agency problems. By contrast, firms with sufficient access use very short debt maturities to mitigate agency issues. When credit condition deteriorates, the former has no choice but borrow at the very short end of the maturity spectrum, whereas the latter evades refinancing risk more readily by borrowing at the end. Taken together, these findings indicate a vital role of capital supply in determining debt maturity.
APA, Harvard, Vancouver, ISO, and other styles
42

Herdinata, Christian. "Hubungan antara Bank umum dan Microfinance dalam Alokasi Kredit pada Usaha Mikro, Kecil dan Menengah (UMKM)." Jurnal Riset Manajemen dan Bisnis 3, no. 2 (December 1, 2008): 109. http://dx.doi.org/10.21460/jrmb.2008.32.205.

Full text
Abstract:
Small Medium Enterprises (sl"frg always complain about the rigidity of entrance (accessibility) of *ternal funds especially from banking. Economics rqtort of Indonesia done by the Indonesia Bonk noted thot the LDR ratio of the commercial banb in the yem of 2007 showed that the number was for under 100%, i.e. 69.2%o, while the rotio of LDR of BPRwas more than t00ok, i.e. 109.73%. Thisfact aplained that the publicfund mustered by the commercial bank sfill remained to be able to be channeled in credit, while BpR has gone beyondfunds which ought to be channeled in theform of credit. This indiccted that itfailed in allocation of credit. Therefore, this research, which was based on critical revievrt of literature and idea, indicoted that the business scale determined the pattem of the relationship of microfinance otd thefunction of intermediation *periences failed in fficiently *ecuting allocation of credit. Therefore, constructing a relatiowhip between the commercial bank and mierofinance and sMEs was badly needed, not to irwite a.rymmetries ofinformafion but to effrcient$t allocate the credit.Keywords: Small Medium Enterprises (SMEs), allocation of credit, ratio of LDR
APA, Harvard, Vancouver, ISO, and other styles
43

Sarwosri, Arieska Wening, Ulf Römer, and Oliver Musshoff. "Are African female farmers disadvantaged on the microfinance lending market?" Agricultural Finance Review 76, no. 4 (November 7, 2016): 477–93. http://dx.doi.org/10.1108/afr-02-2016-0012.

Full text
Abstract:
Purpose The purpose of this paper is to examine whether social and/or cultural obstacles faced by African female farmers diminish their accessibility to lending opportunities provided by a commercial microfinance institution; and affect their repayment performance. Design/methodology/approach The underlying data set is comprised of information regarding 9,710 farmers from Madagascar and was provided by the AccèsBanque Madagascar. Logit and Tobit models are applied to determine gender effects on loan accessibility and repayment performance, respectively. Findings Even though female farmers are associated with a lower repayment performance, they have a higher rate of loan application approval compared to male farmers. Research limitations/implications The results are limited to Madagascar and other African countries with similar socio-economic conditions. Social implications Commercial microfinance institutions still provide access to credit for disadvantaged groups, such as female farmers. Originality/value To the best of the authors’ knowledge, this is the first study investigating gender-specific credit access and repayment performance of rural African farmers using a data set from a commercial microfinance institution without a social mission for females.
APA, Harvard, Vancouver, ISO, and other styles
44

Fitriana, Widya. "LEMBAGA KEUANGAN MIKRO SYARIAH: EKSISTENSI DAN AKSESIBILITASNYA BAGI PEMBIAYAAN USAHATANI DI SUMATERA BARAT (Studi Kasus: Koperasi Jasa Keuangan Syariah (KJKS) Baitul Maal Wat Tamwil (BMT))." Jurnal Agribisnis Indonesia 4, no. 2 (December 1, 2016): 149. http://dx.doi.org/10.29244/jai.2016.4.2.149-162.

Full text
Abstract:
<em>Farm financing is one of the factors facilitating the development of agriculture which allow farmers to expand the scale of farming and adopt new technologies. Unfortunately, a number of financial institutions often perceive farmers as "unbankable poor" that is costly to finance. KJKS BMT is one financial institution that is initiated by the government of West Sumatra's mission of poverty reduction in rural areas in particular to improve the access of small farmers to credit. So this study aims to identify and analyze the existence and accessibility of financing KJKS BMT in serving the financing of farming in West Sumatra. This study was conducted in a multi-stage random sampling, cities that randomly selected are Kota Padang and Bukittinggi, and then for each city, one KJKS BMT is also randomly selected. Primary data were collected by interviewing 60 respondent’s farmers. This research uses grounded research methods and data analysis in qualitative descriptive. Period of observation data for 2 years ie 2012-2014. Existence of KJKS BMT to finance farming measured by used five indicator namely a) The number of customers, b) The number of farmer customers, c) credit share for the agricultural, d) The number of farm financing and e) Development of BMT’s human resources. Furthermore accessibility is measured using six indicators, namely: (a) access to information, (b) access to loan procedure, (c) access to the maximum limit, (d) access to the time of disbursement, (e) access to loan repayment, and ( f) facilitation of access to financing. The results show that (1) although the existence of KJKS BMT start respected by rural communities, and even show a positive growth, but the credit share given by KJKS BMT to farm credit is still very small compared to another sectors (like trade and manufactures) which are less than 5%, Even though the level of customer growth of farmers during the past two years is reach 75%, higher than the growth of total customer (2) Accessibility of KJKS BMT to farm financing overall is good, although there are several factor that must be addressed like the availability of information, the number of loan, monitoring and loan supervision.</em>
APA, Harvard, Vancouver, ISO, and other styles
45

Harianto, Harianto, M. Parulian Hutagaol, and Iman Widhiyanto. "SOURCES AND EFFECTS OF CREDIT ACCESSIBILITY ON SMALLHOLDER PADDY FARMS PERFORMANCE: AN EMPIRICAL ANALYSIS OF GOVERNMENT SUBSIDIZED CREDIT PROGRAM IN INDONESIA." International Journal of Economics and Financial Issues 9, no. 5 (September 1, 2019): 1–10. http://dx.doi.org/10.32479/ijefi.8388.

Full text
APA, Harvard, Vancouver, ISO, and other styles
46

Zhong, Qing, Alex Karner, Michael Kuby, and Aaron Golub. "A multiobjective optimization model for locating affordable housing investments while maximizing accessibility to jobs by public transportation." Environment and Planning B: Urban Analytics and City Science 46, no. 3 (July 20, 2017): 490–510. http://dx.doi.org/10.1177/2399808317719708.

Full text
Abstract:
This paper develops a new optimal location model for siting affordable housing units to maximize the accessibility of low-income workers to appropriate jobs by public transportation. Transit-accessible housing allows disadvantaged populations to reduce their reliance on automobiles, which can lead to savings on transportation-related expenditures. The housing location model developed here maximizes transit accessibility while reducing the clustering of affordable housing units in space. Accessibility is maximized using a high-resolution space-time metric of public transit accessibility, originally developed for service equity analysis. The second objective disperses subsidized housing projects across space using a new minimax dispersion model based on spatial interaction principles. The multiobjective model trades off accessibility maximization and affordable housing dispersion, subject to upper and lower bounds on the land acquisition and construction budget. The model is tested using data for Tempe, AZ including actual data for vacant parcels, travel times by light rail and bus, and the location of low-wage jobs. This model or similar variants could provide insightful spatial decision support to affordable-housing providers or tax-credit administrators, facilitating the design of flexible strategies that address multiple social goals.
APA, Harvard, Vancouver, ISO, and other styles
47

The Dong, Phung, and Nguyen Thi Hong Nham. "The factors affecting accessibility to credit capital of small and medium enterprises in Vietnam." Statistics and Economics 15, no. 6 (January 16, 2019): 15–25. http://dx.doi.org/10.21686/2500-3925-2018-6-15-25.

Full text
Abstract:
The difficulty in accessing loans is one of the major barriers to the development of small and medium enterprises (SMEs) in Vietnam. Low accessibility to capital forces SMEs to spend both official and unofficial costs in order to obtain loans, and/or to access the unofficial market at higher interest rates, thereby increasing cost of production of enterprises. Studies suggest that the determinants of bank loan processing through which small and medium enterprises can access official loans include: characteristics of enterprises; indicators, reflecting the performance of enterprises; characteristics of loans; characteristics of enterprises, enterprise owners; geographical position of enterprises; the creditworthiness of enterprises and the role of the network.Purpose of the study.The aim of this paper is the quantitative analysis of the factors, affecting accessibility to credit capital of small and medium enterprises in Vietnam.Materials and methods.This study was conducted on the basis of a survey in December 2017. The survey includes 301 enterprises in Hanoi city. Selected enterprises are also enterprises, surveyed in the annual enterprise survey by the General Statistics Office of Vietnam. This paper uses the Probit and Logit regression approach to estimate the impact of factors, affecting the disbursement probability of a loan of an enterprise. The number of SMEs accounts for 56.69% of the samples. The number of enterprises, applying for a bank loan accounts for 58.4% of the total samples, of which the percentage of disbursed loans for SMEs accounts for only 47.3%. For enterprises without a bank loan, eliminating the reasons for the lack of demand and unwish to be in debt, the main reasons not to access bank loans are high interest rates, complicated loan procedures and insufficient collateral.Results.The results obtained from the Logistic and Probit models show that the estimated coefficients are statistically significant, affecting the probability of taking a business loan, accepted by financial institutions. Although the coefficients, estimated from Logistics model are larger than those estimated from the Probit model, the estimated results show that the direction of impact of the variables in two estimation techniques gives quite similar results.Conclusion.Based on the results of this study, the Government of Vietnam should implement policies to support SMEs in the direction of improving their access to capital. The credit institutions should design products and services suitable to the characteristics of SMEs in Vietnam.
APA, Harvard, Vancouver, ISO, and other styles
48

Duniya, K., and I. Adinah. "Probit Analysis of Cotton Farmers’ Accessibility to Credit in Northern Guinea Savannah of Nigeria." Asian Journal of Agricultural Extension, Economics & Sociology 4, no. 4 (January 10, 2015): 296–301. http://dx.doi.org/10.9734/ajaees/2015/13538.

Full text
APA, Harvard, Vancouver, ISO, and other styles
49

Wati, Dewi Rohma, Nunung Nuryartono, and Lukytawati Anggraeni. "AKSES DAN DAMPAK KREDIT MIKRO TERHADAP PRODUKSI PADI ORGANIK DI KABUPATEN BOGOR." JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN 3, no. 2 (February 4, 2018): 75–94. http://dx.doi.org/10.29244/jekp.3.2.75-94.

Full text
Abstract:
The ultimate problem of organic paddy farm is limited access formal credit due to collateral requirement. Farmers only have access to semi-formal institution like cooperatives and group of farmers (Gapoktan.red) because of simplicity of administration procedure and payment system. The objectives of this study are to analized accessibility of micro-credit to organic paddy farmers in Bogor and its impact to production of organic paddy. With Heckman Sample Selection Model, we found that access of credit influenced negatively by age of farmers, number of household member, membership of farm group, and the acreage of land use. Microcredit give significant impact to production of organic paddy and it is simultaneous with fertilizer and labor. Microcredit that they have taken used to pay labor and also bought the fertilizer. Keywords : access of microcredit, impact of microcredit, production of organic paddy
APA, Harvard, Vancouver, ISO, and other styles
50

Wati, Dewi Rohma, Nunung Nuryartono, and Lukytawati Anggraeni. "AKSES DAN DAMPAK KREDIT MIKRO TERHADAP PRODUKSI PADI ORGANIK DI KABUPATEN BOGOR." JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN 3, no. 2 (February 4, 2018): 75–94. http://dx.doi.org/10.29244/jekp.3.2.2014.75-94.

Full text
Abstract:
The ultimate problem of organic paddy farm is limited access formal credit due to collateral requirement. Farmers only have access to semi-formal institution like cooperatives and group of farmers (Gapoktan.red) because of simplicity of administration procedure and payment system. The objectives of this study are to analized accessibility of micro-credit to organic paddy farmers in Bogor and its impact to production of organic paddy. With Heckman Sample Selection Model, we found that access of credit influenced negatively by age of farmers, number of household member, membership of farm group, and the acreage of land use. Microcredit give significant impact to production of organic paddy and it is simultaneous with fertilizer and labor. Microcredit that they have taken used to pay labor and also bought the fertilizer. Keywords : access of microcredit, impact of microcredit, production of organic paddy
APA, Harvard, Vancouver, ISO, and other styles
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!

To the bibliography