000			05106nas|a2200445 i 4500
005			20260818153929.0
008			160201s2000 th uu m rtt 0| a1eng d
035			_a.b11820196
099		9	_aAIT Thesis no.RD-00-19
100	0		_aLe Thi Ai Van
245	1	0	_aMaking formal financial services reach the rural poor : _ba study of the financial market in Cam Lo district, Quang Tri province, Vietnam
260			_aBangkok : _bAsian Institute of Technology, _c2000
300			_a101 leaves
490	1		_aThesis ; _vno. RD-00-19
500			_aA thesis submitted in partial fulfillment of the requirements for the degree of Master of Science
502			_aThesis (M.Sc.) - Asian Institute of Technology, 2000
520			_aIn Vietnam, rural development and poverty alleviation are primary goals of the Government since the doi moi (reform) policy was brought into effect. A National Program for Hunger Eradication and Poverty Reduction (HEPR) has been conducted by the Government since 1992. In August 1995, the Government decided to establish, as a new HEPR policy initiative, a special financial service to improve the poor households' access to credit for production and lift them out of poverty. Credit has been transferred to farmers and households through different channels. The most important suppliers have been Vietnam Bank for Agriculture and Rural Development (VBARD) and Vietnam Bank for the Poor (VBP). Even though there has been an impressive growth in the volume of credit from institutional sources, particularly since 1998, the shortage of credit has been a major constraint to the augmentation of economic activities of the rural poor as well as improvements in their living conditions more boardly. The policy makers have stressed the supply side of credit more than the demand side. Credit institutions are mainly concerned with the delivery of loans for production, without assessing much real credit needs of the rural poor, for consumption as well as production. Besides, savings services have generally been a neglected part of the financial services for the rural poor. In order to draw the attention of the policy-making authorities to the crucial role of financial services for development, the present study was undertaken. The general objective was to analyze the credit demand of rural poor people and examine the present ability and future scope of banking services to meet this demand, with main emphasis on VBP and VBARD. The study was conducted in Cam Lo District, Quang Tri Province. While having improved over recent years, the credit supply from the formal sector was still found to be grossly deficient. The poorest people were found to be impeded in accessing production and consumption credit from formal institutions, and relied much on the informal sector for the latter. There is a negative correlation between income level of the households and the gap between their credit wants and credit taken, reflecting less capacity on the part of the poorest people for accessing credit. An in- depth analysis of people's perceptions and opinions about formal financial services, particular banking services, was undertaken, revealing a number of factors that hinder people's access to such services. This was supplemented with a further analysis of factors impeding the effectiveness of the services provided by VBARD and VBP. A set of recommendations on aspects of policy and operation has been provided for consideration by the policy-makers and respective institutions for improving the effectiveness of the formal financial institutions in servicing the rural poor.
650		0	_aRural credit _zVietnam _zQuang Tri
700	1		_aDale, Reidar, _eChairperson
700	1		_aRoutray, Jayant Kumar, _eExamination Committee
700	0		_aSoparth Pongquan, _eExamination Committee
700	1		_aAmin, A.T.M. Nurul, _eExamination Committee
710	2		_aUnited Nations Development Programme (UNDP), _eScholarship Donor
810	2		_aAsian Institute of Technology. _tThesis ; _vno. RD-00-19
856			_3Full-Text _uhttp://203.159.5.9/ait-thesis/detail.php?q=B06687
907			_a.b11820196 _bmnait _cu
902			_a250417
998			_b0 _c010216 _dm _ea _fu _g0
945			_lmnait
945			_lmnait
945			_lmnarc
945			_lmnarc
942			_c20
942			_c40
909			_aBarcode : 30050120650634 _bCREATED : 2001-02-16 _cRECORD # : i12235167 _dLPATRON : 1024323 _eLCHKIN : 2013-06-09 _f# RENEWALS : 0 _g# OVERDUE : 0 _hIUSE3 : 0 _iTOT CHKOUT : 8 _jTOT RENEW : 8
909			_aBarcode : 30050120650659 _bCREATED : 2001-02-16 _cRECORD # : i12235179 _dLPATRON : 1019321 _eLCHKIN : 2008-07-22 _f# RENEWALS : 0 _g# OVERDUE : 0 _hIUSE3 : 0 _iTOT CHKOUT : 11 _jTOT RENEW : 2
909			_aBarcode : 30050120650675 _bCREATED : 2015-05-05 _cRECORD # : i12848402 _dLPATRON : 0 _eLCHKIN : - _f# RENEWALS : 0 _g# OVERDUE : 0 _hIUSE3 : 0 _iTOT CHKOUT : 0 _jTOT RENEW : 0
909			_aBarcode : 30050160025150 _bCREATED : 2016-03-18 _cRECORD # : i12898594 _dLPATRON : 0 _eLCHKIN : - _f# RENEWALS : 0 _g# OVERDUE : 0 _hIUSE3 : 0 _iTOT CHKOUT : 0 _jTOT RENEW : 0
999			_c71380 _d71380