Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: http://hdl.handle.net/10419/181421
Erscheinungsjahr: 
2017
Schriftenreihe/Nr.: 
TVSEP Working Paper No. WP-002
Verlag: 
Leibniz Universität Hannover, Thailand Vietnam Socio Economic Panel (TVSEP), Hannover
Zusammenfassung: 
This study explores cross-country differences in debt market participation, level of household debt holding and over-indebtedness between rural households in Thailand and Vietnam. We identify socio-economic determinants for rural households in Thailand and Vietnam by decomposing differences into those attributable to household characteristics and those due to economic environments using three decomposition methods. Significant differences are found in debt market participation, the level of debt and the extent of indebtedness. Our major findings are that differences in the economic environment are more important than household characteristics. While in Vietnam poorer households are less likely to engage in borrowing in Thailand a higher share of similar type of households participate in debt markets and are more indebted because of more liberal credit market conditions. The policy message of the paper is that credit market expansions in rural areas should be aligned with households borrowing capacity.
Schlagwörter: 
Rural households
Microcredit
Household debt
Household Indebtedness
Decomposition Analysis
Thailand
Vietnam
JEL: 
D14
G11
R11
Dokumentart: 
Working Paper

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