• Tran Huu Ai Van Hien University, Ho Chi Minh City
  • Nguyen Thi Mong Thu Van Hien University, Ho Chi Minh City


This study examines the impact of firm characteristics on SMEs' access to bank crediting. The study used primary data taken from a survey questionnaire of 269 SMEs that collected credit-related data concerning SMEs. Regression analysis is applied to identify the factors affecting the accessibility of bank credits. SPSS 22.0 software was used for further analysis. The results show that the characteristics of business affecting the ability to access bank credit include: enterprise's location, equity, business plan, collateral, project value and firm tax number. The factors of business plan and project value are the two most influential ones.

Author Biographies

Tran Huu Ai, Van Hien University, Ho Chi Minh City

PhD, Lecturer at the Faculty of Economics, Van Hien University, Ho Chi Minh City, Vietnam.

Research interests: agricultural products markets; SMEs functioning and government support; organic food markets; environmental issues of economic development; corporate social responsibility.

Nguyen Thi Mong Thu, Van Hien University, Ho Chi Minh City

MBA, Lecturer at the Faculty of Economics, Van Hien University, Ho Chi Minh City, Vietnam.

Research interests:  SMEs functioning and government support; consumer behavior; innovative products, markets and finances.


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How to Cite
Ai, T. H., & Thu, N. (2021). BANK CREDIT ACCESSIBILITY FOR SMALL AND MEDIUM ENTERPRISES IN HO CHI MINH CITY, VIETNAM. The EUrASEANs: Journal on Global Socio-Economic Dynamics, (2(27), 35-46.

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