Podcast
Questions and Answers
Match the following organizations with their primary role in microfinance in Vietnam:
Match the following organizations with their primary role in microfinance in Vietnam:
Vietnam Bank for Agriculture and Rural Development = State-owned bank offering microfinance services TYM = Leading formal provider of financial services to the poor People’s Credit Fund = Provider of microfinance services Asian Development Bank = Investor in microfinance initiatives
Match the following terms with their descriptions:
Match the following terms with their descriptions:
Account Receivable = Money owed to a company by its customers Account Payable = Money a company owes to its suppliers Microfinance = Financial services to low-income clients Consultations = Meetings to review training material
Match the following statistics with their significance:
Match the following statistics with their significance:
21% adult population = Percentage with access to formal financial services in Vietnam 16 trained loan officers = Number of officers trained to teach modules Free of charge training = Characteristic of TYM training sessions Weekly meetings = Frequency of consultations for borrowers
Match the following training methods with their examples:
Match the following training methods with their examples:
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Match the following microfinance institutions with their characteristics:
Match the following microfinance institutions with their characteristics:
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Match the following events with their purposes:
Match the following events with their purposes:
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Match the modules with their main focus:
Match the modules with their main focus:
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Match the following key concepts with their definitions:
Match the following key concepts with their definitions:
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Match the following banks with their focus areas:
Match the following banks with their focus areas:
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Match the statements regarding beliefs and control:
Match the statements regarding beliefs and control:
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Match the types of data collection time points:
Match the types of data collection time points:
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Match the types of beliefs assessed in the study:
Match the types of beliefs assessed in the study:
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Match the data analysis aspects with their roles:
Match the data analysis aspects with their roles:
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Match the scoring method to the belief assessment:
Match the scoring method to the belief assessment:
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Match the training consequences with lending branches:
Match the training consequences with lending branches:
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Match the conditions explored in the study:
Match the conditions explored in the study:
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Match the following microfinance institutions with their characteristics:
Match the following microfinance institutions with their characteristics:
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Match the following types of support offered by the TYM fund:
Match the following types of support offered by the TYM fund:
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Match the following groups involved in the training program:
Match the following groups involved in the training program:
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Match the following years with their significance:
Match the following years with their significance:
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Match the following loan data with their figures:
Match the following loan data with their figures:
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Match the following research methods used in the study:
Match the following research methods used in the study:
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Match the following financial services with their descriptions:
Match the following financial services with their descriptions:
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Match the following stakeholders in microfinance:
Match the following stakeholders in microfinance:
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Match the following groups of female borrowers with their corresponding training conditions:
Match the following groups of female borrowers with their corresponding training conditions:
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Match the following attrition statistics with their corresponding figures:
Match the following attrition statistics with their corresponding figures:
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Match the following measurements with their attrition rates:
Match the following measurements with their attrition rates:
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Match the following groups of female borrowers with their number at midline:
Match the following groups of female borrowers with their number at midline:
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Match the following attrition statistics with their end line returns:
Match the following attrition statistics with their end line returns:
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Match the following end line attrition figures with their corresponding values:
Match the following end line attrition figures with their corresponding values:
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Match the following p-values with their significance levels:
Match the following p-values with their significance levels:
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Match the following measurements of additional borrowers with their training categories:
Match the following measurements of additional borrowers with their training categories:
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Match the following descriptive statistics with their corresponding variables for female borrowers:
Match the following descriptive statistics with their corresponding variables for female borrowers:
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Match the following variables with their descriptive statistics for female borrowers receiving training with husbands:
Match the following variables with their descriptive statistics for female borrowers receiving training with husbands:
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Match the following variables with their means for female borrowers receiving training individually:
Match the following variables with their means for female borrowers receiving training individually:
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Match the following variables with their means for female borrowers receiving only a loan:
Match the following variables with their means for female borrowers receiving only a loan:
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Match the following descriptive statistics with the range for female borrowers receiving training with husbands:
Match the following descriptive statistics with the range for female borrowers receiving training with husbands:
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Match the following test statistics with the corresponding conditions:
Match the following test statistics with the corresponding conditions:
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Match the following variables with their standard deviations for female borrowers receiving training with husbands:
Match the following variables with their standard deviations for female borrowers receiving training with husbands:
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Match the following variables with their ranges for female borrowers receiving training individually:
Match the following variables with their ranges for female borrowers receiving training individually:
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Study Notes
Microfinance in Vietnam
- Access to formal financial services in Vietnam is low, with only 21% of the adult population able to access them (2014 IFC).
- Microfinance services are prevalent, primarily provided by two state-owned banks: Vietnam Bank for Agriculture and Rural Development and Vietnam Bank for Social Policies (2014 ADB).
- Other notable microfinance providers include the People's Credit Fund, TYM, and M7-MFI, with significant services aimed at the underprivileged.
- As of 2015, 28 financial service providers supported 7.5 million borrowers, with total loan amounts of $6.7 billion (2017 MIX Market).
- TYM, established in 1992 by the Vietnam Women’s Union, operates in 56 districts and serves 119,653 borrowers, with over 906 billion Vietnamese Dong in outstanding loans (~$39 million).
Training and Workshops
- TYM trained 16 loan officers at headquarters who later delivered training across multiple centers using diverse teaching methods such as role-playing and visual aids.
- Training sessions were both free and voluntary, providing clients access to ongoing support and consultations at weekly loan repayment meetings.
- A study compared the empowerment effects of training for female borrowers who received individual training versus those whose husbands participated as well, incentivized by financial compensation.
Research Design and Data Collection
- The study was conducted on 187 lending centers across branches in Vinh Phúc and Hà N I, using a random assignment into three conditions regarding access to loans and training.
- Data was collected at three measurement points: baseline (2011), midline (2013), and endline (2013).
- Each measured participant's internal locus of control using a scoring system based on beliefs about personal agency.
Key Demographics and Statistical Insights
- Average age of participants ranged between 43 and 44 years across different treatment groups.
- Nearly all participants were married, with household sizes averaging around 4.7 individuals.
- Control beliefs measured had an average score of around 1.8, indicating a slight internal locus of control.
- The calculation of attrition rates revealed a range from 12% to 16% across different training conditions, indicating variation in participant retention.
Overview of Study Variables
- Control variables included age, educational level, marital status, and household size, all showing similar characteristics across training conditions.
- P-values from regression analysis support that groups were statistically similar at baseline, validating the experimental design.
Conclusion
- The module covered various critical skills related to financial management, including accounts receivable/payable and cost calculations, impacting participants' economic empowerment and understanding of financial systems.
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Description
This quiz covers the eighth module focused on the management of account receivables and payables within the context of microfinance in Vietnam. It also addresses how to calculate purchasing, production costs, and the costs of sold goods. Dive into the financial aspects critical for understanding microfinance dynamics.