The impact of microfinance on incomes of poor households in Vietnam

Abstract

Research about the impact of microfinance on incomes of poor households in Vietnam, using the quantitative research methods, linear regression model, STATA 12 software applications, with cross data gathered from the Vietnam Household Living Standard Survey 2012 (VHLSS 2012). Results of regression analysis showed that factors affecting the income of poor households include: age, household size, dependency ratio, total assets, micro credit, and regions. The study also shows that the impact of microfinance on incomes of poor households are each different. Through the findings, policy recommendations support is proposed to further enhance the operations of microfinance, to help poor households have access to loans to invest in production and business activities, thereby improved earnings.