http://orcid.org/0000-0001-8618-2324
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Abstract
Despite significant efforts of the Vietnamese government, the issue of gender discrimination in access to credit is still a major concern. This paper uses the zero-inflated negative binomial regression model for count panel data of small and medium enterprises in Vietnam to examine the issue across industries and firm sizes over time. Results indicate that women-led enterprises have a 34% higher likelihood of loans being denied than men-led firms. The situation is even more serious depending on industry and macropolicy. For example, the gap in the likelihood of loans being denied between women-led enterprises and their men-led counterparts increases to 67% in male-intensive industries and 71% in periods of tight monetary policy. In addition, firm size and location determine the probability of formal loan rejection.
Disclosure statement
No potential conflict of interest was reported by the authors.
Notes
1 Available at http://www.econ.ku.dk/derg/links/vietnam/ and https://www.wider.unu.edu/database/viet-nam-sme-database.
2 Available at http://www.gso.gov.vn/default.aspx?tabid=382&ItemID=18686.
Additional information
Notes on contributors
Long Hoang Le
Long Hoang Le is a PhD student at the National Cheng Kung University. His major is in development economics and information systems management. He has carried out several projects in gender issues, SMEs' production and micro-finance granted by the Government of Vietnam, Australia and Germany.
Joanna Katarzyna Stefańczyk
Joanna Katarzyna Stefańczyk is a PhD student at Warsaw University of Life Sciences. Her major is in agriculture, gender issues and economic development. She has several studies on conferences indexed in ISI Web of Science such as Economic Science for Rural Development.