Factores que afectan la sostenibilidad financiera de los fondos de crédito popular en la región del delta del Mekong en Vietnam

Abstract

The financial sustainability is one of the most complex areas of financial decision making due to its interrelationship with other financial decisions variables. At the same time, financial sustainability is a factor affecting the operations and the goals of people's credit funds (PCFs) in Vietnam. The purpose of this study is to examine factors that affect financial sustainability of PCFs. The study used the regression analysis on a set of panel data from 2013 to 2018 of tweenty-four selected PCFs in Vietnam’s Mekong Delta Region. After regression analysis, it appeared that productivity and capital adequacy ratio had positive relationships with with the financial sustainability; the credit growth rate, non-performing loan ratio and economic growth rate had negative impacts on the financial sustainability, the income had no impact on the financial sustainability. Through the findings the study offers policy implication, recommends and helps the managers and policy-makers to understand this impact for effective and sustainable management of PCFs.