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APPENDIX

APPENDIX 1.1: QUALITATIVE RESEARCH RESULTS

A. In-depth interview questions in qualitative research In-depth interview questions for theoretical experts

INTRODUCTION

Hello experts. I am Le Hoang Anh, a lecturer at the National Economics University, currently working on the topic: " Factors affecting access to credit of individual business households in Vietnam " . The objective of the topic is to find out the factors affecting access to credit of individual business households.

We look forward to your active participation. I promise that your information will be kept confidential and will only be used for this research. All your honest opinions will contribute to the success of this research.

Interviewee personal information:

Full name: ……………………………………………………………………… Current job: ………………………………………………………………

CONTENT SECTION

I. Model evaluation:

o How do you evaluate the current situation of credit access (formal and informal) for individual business households in Vietnam?

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o According to you, what factors affect access to credit (formal and informal) of individual business households in Vietnam today?

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o In your opinion, is it appropriate to use the TAM, TPB, and UTAUT models to determine factors affecting credit access of individual business households in Vietnam? Why?

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II. Scale evaluation:

The questions are based on the sections in the questionnaire and in the order in which they appear.

1. General information section :

o In your opinion, are the contents of the general information section about the survey subjects and the contents of the questions appropriate?

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o Do you think anything needs to be added or adjusted?

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2. Formal credit access section

o According to you, what are the current barriers affecting access to formal credit for individual business households in Vietnam?

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o In the questionnaire given below, how do you think the questionnaire should be revised? Regarding changing the way of asking, regarding adding factors?

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Thank you very much for your comments!

Interview questions for representatives of credit institutions, informal credit providers and individual business households

This is a collection of questions asked to interviewees and responses collected after the interviews.

Question about loan application: What documents do you think need to be prepared for a loan application?

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Collateral or security question: what do borrowers need to ensure repayment of their loans?

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Loan Value Question: How much are loans typically worth to sole proprietorships? What is the interest rate?

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Question for informal service providers: Do you observe that men or women borrow more? What is the purpose of individual business households borrowing?

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Question about collateral or guarantee: What does a sole proprietorship need to secure or mortgage when borrowing money?

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