In Vietnam, women have poorer access to formal credit than men. This article determines the extent to which borrowing constraints restrict women’s access to formal credit and identifies the socioeconomic characteristics that determine formal credit discrimination. The study used secondary data from the Vietnam Access to Resources Household Survey (VARHS) published in 2013–14, and analysis was undertaken by econometric approaches such as logistic and multiple linear regression models and propensity score matching methods. The results show that among those participants who successfully obtained credit, approximately 85 per cent of women obtained less credit than men; and the amount of credit that women obtained was also less (on average, approximately 1.8 per cent less). Gender, number of years of schooling, marital status, participation in agricultural activities, off‐farm employment, and ownership of agricultural land for a male‐headed household positively influenced discrimination in obtaining credit and the amount of credit obtained. Moreover, the propensity score matching results found that the average increase in the credit obtained by males was 220,000 Vietnamese Dong (VND) and this is mainly due to discrimination in favour of men. The results suggest that policy action is needed to avoid discrimination in credit disbursement on the basis of gender.

中文翻译：

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正规信贷方式中的性别差异：越南农村家庭

在越南，妇女获得正式信贷的机会比男子差。本文确定了借款限制在多大程度上限制了妇女获得正式信贷的机会，并确定了决定正式信贷歧视的社会经济特征。该研究使用了2013-14年度越南资源获取家庭调查（VARHS）中的辅助数据，并通过计量经济学方法进行了分析，例如逻辑和多元线性回归模型以及倾向得分匹配方法。结果表明，在成功获得信贷的参与者中，约有85％的妇女比男性获得的信贷少；妇女获得的信贷额也较少（平均减少约1.8％）。性别，受教育年限，婚姻状况，参加农业活动，非农就业以及男户主家庭拥有农用土地，对获得信贷和获得信贷的数量产生了积极影响。此外，倾向得分匹配结果发现，男性获得的信贷平均增加了22万越南盾（VND），这主要是由于偏爱男性所致。结果表明，需要采取政策行动来避免基于性别的信贷支付方面的歧视。000越南盾（VND），这主要是由于歧视男性所致。结果表明，需要采取政策行动来避免基于性别的信贷支付方面的歧视。000越南盾（VND），这主要是由于歧视男性所致。结果表明，需要采取政策行动来避免基于性别的信贷支付方面的歧视。