Pham, Thi Thu Tra; Lensink, Robert - In: The Economics of Transition 15 (2007) 2, pp. 181-209
This paper compares lending policies of formal, informal and semiformal lenders with respect to household lending in Vietnam. The analysis suggests that the probability of using formal or semiformal credit increases if borrowers provide collateral, a guarantor and/or borrow for business-related...