TY - JOUR AU - Tran Huu Ai AU - Nguyen Thu PY - 2021/03/31 Y2 - 2024/03/28 TI - BANK CREDIT ACCESSIBILITY FOR SMALL AND MEDIUM ENTERPRISES IN HO CHI MINH CITY, VIETNAM JF - The EUrASEANs: journal on global socio-economic dynamics JA - EUrASEANs VL - 0 IS - 2(27) SE - Articles DO - 10.35678/2539-5645.2(27).2021.35-46 UR - https://euraseans.com/index.php/journal/article/view/241 AB - 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. ER -