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Social Indicators Research
Erschienen in: Social Indicators Research 1/2020

09.10.2019 | Original Research

Credit and Ethnic Consumption Inequality in the Central Highlands of Vietnam

verfasst von: Thanh-Tung Nguyen, Trung Thanh Nguyen, Ulrike Grote

Erschienen in: Social Indicators Research | Ausgabe 1/2020

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Abstract

Credit is commonly considered an important instrument to relieve financial capital constraints of poor households and subsequently to improve their welfare. However, the empirical impact of credit on consumption inequality remains ambiguous. We use a 2-year panel dataset collected in Daklak, a province in the Central Highlands of Vietnam, to investigate the differences in access to credit and its impact on household consumption and consumption inequality between ethnic groups. Our results show that the differences in access to credit and in its impacts on household consumption between the ethnic majority and the migrant ethnic minority groups are insignificant. However, households from the indigenous ethnic minority group face more disadvantages in accessing formal credit and rely more on informal credit than those from the ethnic majority. They also face a higher collateral ratio and the amount of formal loans they could access is lower. The impact of formal credit on consumption of the majority is also higher than that of the indigenous minority, consequently causing a significant increase in consumption inequality between the ethnic groups. Our findings call for assistance programs to support indigenous households to improve their access to formal credit as well as to enhance the effectiveness of these loans.
Vorheriger Artikel Convergence in Income Inequality Across Australian States and Territories
Nächster Artikel Conditions for Facilitation by Voluntary Organizations to Enhance Social Cohesion in China

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Fußnoten
1
Vietnam has 54 ethnic groups with high differences in culture, language, socioeconomic conditions and living areas. A number of studies has been conducted in the northern Mountains, another main living area of the ethnic minority groups (see Nguyen et al. 2017; Tran et al. 2015; Tran 2016).
 
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Metadaten
Titel
Credit and Ethnic Consumption Inequality in the Central Highlands of Vietnam
verfasst von
Thanh-Tung Nguyen
Trung Thanh Nguyen
Ulrike Grote
Publikationsdatum
09.10.2019
Verlag
Springer Netherlands
Erschienen in
Social Indicators Research / Ausgabe 1/2020
Print ISSN: 0303-8300
Elektronische ISSN: 1573-0921
DOI
https://doi.org/10.1007/s11205-019-02202-z

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