The study provides the impact of social capital on credit choices and growth of household businesses in Vietnam by using a data sample of 3,813 observations. Social capital is considered at different levels: micro for human capital and macro for social networks. It concludes that although both levels of social capital influence credit choices of household businesses, the micro level of social capital plays an important role in improving the household business’s growth, including asset and income growth. The study develops a broader view about the use of resources and financing choices in household businesses in Vietnam. Accordingly, it highlights the importance of social capital from multiple aspects — the household business itself, human capital, social networks and government — on the development of Vietnamese household businesses.

中文翻译：

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越南家庭企业的社会资本、信贷选择和增长

该研究通过使用包含 3,813 个观察值的数据样本，提供了社会资本对越南家庭企业信贷选择和增长的影响。社会资本被考虑在不同的层面：人力资本的微观和社交网络的宏观。得出的结论是，虽然两个层面的社会资本都会影响家庭企业的信贷选择，但社会资本的微观层面对促进家庭企业的增长（包括资产和收入增长）起着重要作用。该研究对越南家庭企业的资源使用和融资选择提出了更广泛的看法。因此，它从多个方面强调社会资本——家庭企业本身、人力资本、社交网络和政府——对越南家庭企业发展的重要性。