-Tác giả : ThS. Trịnh Thị Thu Hằng; ThS. Ngô Khánh Huyền (2014)
In certain stage of agricultural development, rural credit plays as a strong force for futher development. When people use their owned elements to make production, they realize that to make it more efficient, they need use of credit. That is said to be a key factor to elimate the block on the way to development. Therefore, credit is considered as the most flexible tool to excape from the difficult living condition. However, to meet lending conditions from financial institutions is sometimes not easy. 
