Credit is considered as an essential tool to make informal labor's income better. In order to improve quality of their life, the state should have some supports them in credit access. This study analyzes factors causing credit access of informal labors to be changed in the time of COVID-19 pandemic. Using survey data collected from 2020 VHSSL (2019-2020), this approach has two models including a binary logit model and a multinomial logit model (MLM). The results revealed that the positive factors including education, material, collateral, credit size, credit source, credit debt which are likely to affect to credit access, however age, family size, ethnicity, interest, paid money are negative. Besides, it also concludes that quality of life of informal labor is considerably influenced by credit access, collateral, credit source, credit debt from the observed samples. Additionally, this paper recommends some policies to enhance informal labor's access to credit and their quality of life.
credit access informal labor quality of life rural urban