Analysis of factors affecting the ability to access Bank loans of Agricutural cooperatives in Mekong Delta, Viet Nam

Abstract

The objective of this study is to propose to improve the accessibility to bank capital of Agricultural cooperatives operating in 05 provinces of the Mekong Delta: An Giang Province, Tra Vinh province, Ben Tre province, province. Soc Trang and Vinh Long province. The authors collect primary data from 150 Agricultural cooperatives operating in Mekong Delta, Viet Nam. Based on previous related research models, the authors use Binary Logistic regression analysis method to analyze the factors that affect the cooperative's ability to access bank loans in the Mekong Delta. Research results show that there are 09 factors affecting the ability to access bank loans, including: Education level; Number of years of operation; Field of activity; Revenue growth rate; Authorized capital; Collateral; Profit; Application of science and technology; Public relationship. From the research results, the authors propose solutions to improve the access to bank loans of Agricultural cooperatives in the future.