Open AccessANALYSIS OF FACTORS AFFECTING THE EFFICIENCY OF HOUSEHOLDS LOANS USING FROM ECONOMIC DEVELOPMENT CAPITAL OF THE WOMEN’S UNION OF DUYEN HAI DISTRICT, TRA VINH PROVINCE
Author(s) -
Nguyen Thi Thanh Nguyen
Publication year - 2021
Publication title -
khoa học
Language(s) - English
Resource type - Journals
ISSN - 1859-4816
DOI - 10.35382/18594816.1.42.2021.688
Subject(s) - loan , capital (architecture) , business , production (economics) , social capital , economics , economic growth , finance , geography , political science , archaeology , macroeconomics , law
Nowadays, women receive a lot of attention and assistance in production and business. They have been support with loans from the Women’s Union, capital from Vietnam Bank for Social Policies to facilitate family economic development. This study aims to assess the current situation of demand and efficiency of loanusing in Duyen Hai District, Tra Vinh Province. In this study, the method of Multivariable Regression model was used to analyze the factors affecting the efficiency of using such loans. Research results shown that there are four factors that have positive correlation with loans using efficiency, including age, education level, landarea, loan amount. On the contrary, three factors including the number of employees, the main source of income, and the purpose of loan are negatively related to the efficiency of using loans. In addition, the study proposes some solutions to help households in using capital more efficiently and enhancing their standard of lives.