publ-ohne-podpubl-ohne-podDufhues, Thomas Bernhard2024-04-082024-04-082005-07-052003https://hohpublica.uni-hohenheim.de/handle/123456789/5022Analyzing secondary and primary data, this paper suggests a shift in national development policies from solely promoting rural credit to supporting savings activities. The household data are econometrically analyzed applying the Conjoint Analysis (CA). The CA gave valuable insights into how to improve outreach of formal financial institutes (FFIs) by adapting the credit products to client preferences and revealed an unattended demand for savings instruments. Due the enormous credit outreach of the FFIs in Vietnam, it would be more efficient to launch a credit consolidation policy and to implement a reliable and sustainable deposit collection system at the village level. However, in national policymaking a paradigm change must take place and the capability of rural households to save needs to be recognized by policy-makers.enghttp://opus.uni-hohenheim.de/doku/lic_ubh.phpRural creditConjoint analysisVietnam630NordvietnamKreditmarktLändlicher RaumConjoint MeasurementWorkingPaper118786784urn:nbn:de:bsz:100-opus-992