Factors affecting credit access among agricultural and forestry households at Agribank - Dong Hy Branch, Thai Nguyen province (2022 - 2024)

This study investigates the determinants of credit access among agricultural and forestry households in Thai Nguyen Province, based on survey data from 60 households in Hoa Thuong, Van Lang, and Khe Mo communes. Using descriptive statistics and linear regression analysis, the findings reveal that collateral value exerts the strongest influence on loan size (β = 0.400; Sig. = 0.000). The results provide empirical evidence on the key financial constraints shaping rural credit accessibility and offer insights into the structural factors influencing capital allocation in the agricultural and forestry sectors.