Accessibility to credit for farmers in rural areas: A case study in Phu Giao district, Binh Duong province

Agriculture and rural area are central to Vietnam's industrialization and modernization strategy, with credit policies playing a key role in fostering rural economic growth.This study identi es the barriers to credit access faced by agricultural households in rural areas, focusing on Phu Giao district, Binh Duong province.Using binary logistic regression analysis, 14 factors were found to in uence credit access, including household characteristics (age, gender, education, income, labor force, loan purposes, technology) and institutional factors (transaction costs and collateral).The ndings inform policy recommendations to enhance credit accessibility for farmers in the region.