Accessibility to microcredit by Chinese rural households
Abstract
This paper examines key factors influencing the accessibility of microcredit by rural households in China. The
empirical approach is built upon logistic regression and data are collected through a household survey. A total of
twelve household-level factors are identified as determinants in households’ access to microcredit and the results
indicate that households’ accessibility to microcredit can also be impaired by the supply-side factors. The paper
concludes that households should increase credit demand to expand their access to microcredit. In addition,
microcredit institutions should improve lending schemes and loan products to better suit the diversified needs of the
rural population.... [Show full abstract]
Keywords
microcredit; accessibility; rural households; ChinaDate
2010Type
Conference Contribution - Published (Conference Paper)Collections
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