Literature Increasing the Access of SMEs to Credit in Vietnam

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    In English

    Private sector development in Southeast Asia is fundamental to boosting growth and development in many countries in the ASEAN region. The influx of startups, as well as small and medium enterprises (SMEs) in the regions, have attracted the attention of numerous global investors and venture capitalists. It will help both developing and less developed countries advance and ultimately reduce poverty, increase employment, and have various positive multiplier effects in the countries. However, there are still many SMEs that are unable to thrive and grow due to their inability to access financing from banks. This commentary focuses on the underlying reasons why some SMEs lack access to finance, specifically in Vietnam. This research Identified three underlying reasons why there is a lack of access to finance and credits in Vietnam; nepotism in the banking industry, the role of gender, and unfriendly business climate for SMEs.

    In Balinese

    In Indonesian

    Pengembangan sektor swasta di Asia Tenggara sangat penting untuk mendorong pertumbuhan dan pembangunan di negara kawasan ASEAN. Masuknya startup, serta usaha kecil dan menengah (UKM) di daerah, telah menarik perhatian banyak investor global dan pemodal ventura. Hal ini akan membantu negara berkembang dan memiliki dampak positif seperti mengurangi kemiskinan dan meningkatkan lapangan kerja. Namun, masih banyak UKM yang tidak dapat berkembang dan tumbuh karena ketidakmampuan mereka untuk mengakses pembiayaan dari bank. Penelitian ini berfokus pada alasan yang mendasari mengapa beberapa UKM tidak memiliki akses ke pembiayaan khusus di Vietnam. Penelitian yang saya tulis mengidentifikasi tiga alasan mendasar mengapa ada kurangnya akses ke keuangan dan kredit di Vietnam; nepotisme dalam industri perbankan, peran gender dan iklim usaha yang tidak bersahabat untuk UKM.

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