Abstract
Farmers who borrow from credit institutions have achieved certain results but there are still many difficulties. The issue of rural credit and household lending in Vietnam is a complicated one. To solve it, it is necessary to have studies on the ability to access credit of farmers as well as analyzing the efficiency of using loans of households. The objective of the study is to analyze the factors affecting the households’ ability to access formal credit and analyzing the impact of credit sources on the lives of households. Probit regression model was used for analysis, primary data was collected from 200 households in Vinh Loi district, Bac Lieu province. The results of study shows that there is a linear relationship between the independent variables and the dependent variable with the coefficient R2 = 37,57%.
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