ANALYSIS 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

Abstract

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 loan
using 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, land
area, 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.