Survey Form for Coffee Producers Who Have Not Borrowed Capital

Appendix 3. Survey form for coffee producing households that have not borrowed capital

INFORMATION COLLECTION FORM

(For coffee producers who have not borrowed capital)

I. BASIC INFORMATION

1. Full name of household head:………………………………2. Age:.........3. Male  Female 

4. Address: House number, group: …………., street: ……………….…………, village, block, residential group: …………..…………, commune, ward, town: …………..…, district, town:…………………………………………………………………….

5. Education level: Primary school  , Middle school  , High school 

6. Professional level: Elementary  , Intermediate  , College  , University 

7. Main occupation: ……………….., secondary occupation:………………….….

II. DEMOGRAPHY AND LABOR

8. Total population:………………. people, of which:

9. Working age: …………. people

III. LAND CHARACTERISTICS

SOIL TYPE

Area (m 2 )	Land for rent (m 2 )	Land with red book (m 2 )
10. Garden soil
11. Coffee growing land

Maybe you are interested!

Information about coffee growing land:

12. Business coffee area: …………………………..………….……..m2

- In which, the area with red book is:………………………..…..……………….m2

13. Basic coffee area of year 1: ……………..……..………….m2

- In which, the area with red book is:…………………..…..…………………….m2

14. Basic coffee area of year 2: …..………..………………….m2

- In which, the area with red book is:……………………..……..……………….m2

15. Basic coffee area designed year 3: …..……..…………….………m2

- In which, the area with red book is:…………………………….……………….m2

IV. TOTAL ASSET VALUE (estimated): ……………………………………đ

In there:

16. Garden land, including houses and other construction works:……………….đ 17. Coffee plantation land:……………………………………..…………………..đ

V. MAIN MEANS OF PRODUCTION OF THE HOUSEHOLD

18. Plows, tractors: Yes  , No 

19. Irrigation system: Yes  , No 

20. Buffalo, cow: Yes  , No 

VI. PRODUCTION COSTS (estimated to be realized in the year)

21. Cost of producing commercial coffee:……………….. VND

22. Basic construction coffee production cost:….…………….đ

23. Cost of purchasing labor tools and machinery:…..……………VND

24. Basic construction cost for warehouse and drying yard:…..……………VND

25. Other business expenses:……..…………đ

a. Animal husbandry:.…………….đ

b. Service: ……………..đ

c. Sales:..……………đ

VII. INCOME FROM COFFEE PRODUCTION

26. Coffee yield:……………..…….….……………..kg

27. Income from selling coffee beans:……..…………...…………………...đ

VIII. ON OTHER INCOME SITUATION

28. Revenue from services:…….…………………...…………….đ

29. Revenue from livestock farming:………………………...….………….đ 30. Revenue from trading:…….…………………...…………….đ

31. Income from salary:…….…………………...…………….đ 32. Other income:………………….……...…………….đ

IX. OPINIONS OF PRODUCTION HOUSEHOLDS

33. Your opinion on why you did not borrow capital from the Bank for Agriculture and Rural Development to produce coffee?

a. Have enough capital for production and business, no need to borrow

b. Difficult access to Agricultural Bank 

c. Went to the Agricultural Bank to apply for a loan but have not been able to borrow yet 

d. Borrowed from another bank 

e. Borrowed outside the market 

34. Is your family currently lacking capital for production and business?

a. Have enough capital for production and business, no need to borrow

b. Lacking capital for production and business, in dire need of a loan

35. If you need a bank loan, which bank would you choose to borrow from?

a. Bank for Agriculture and Rural Development 

b. Social Policy Bank 

c. Bank for Investment and Development 

d. Industrial and Commercial Bank 

e. Dong A Joint Stock Bank

f. Other banks

36. Compared to the total determined production and business costs, how much more money do you need to borrow from the bank to carry out: Approximately: ……………đ…...…%

37. To your knowledge, if you compare the lending interest rates of NHNo & PTNT with other commercial banks (excluding the Social Policy Bank), then

a. Interest rate for loans from NHNo & PTNT is higher than 

b. Interest rate for loans from NHNo & PTNT equals other banks 

c. Interest rate for loans from NHNo & PTNT is lower than 

38. Compare the lending interest rate of NHNo & PTNT with the market

a. Interest rate for loans from NHNo & PTNT is higher than 

b. Interest rate for loans from NHNo & PTNT equals market rate 

c. Interest rate for loans from NHNo & PTNT is lower than 

If you are able to borrow capital from NHNo & PTNT, please give your opinion on the following issues:

39. Your plans and wishes regarding the time to borrow money from the bank to take care of your coffee business

a. Just borrow for 1 year 

b. Need to borrow up to 3 years 

c. Can borrow up to 5 years 

d. Want to borrow for more than 5 years 

40. If you get a medium-term loan , will you do the following immediately?

a. Buy a hand plow rig 

b. Building a warehouse for storage

c. Building coffee drying yard

d. Dig wells to get underground water to irrigate coffee 

e. Replanting and renovating old coffee gardens

41. How do you want to repay the bank loan ?

a. Pay multiple times a year 

b. Pay once a year 

42. How do you want to pay the bank interest ?

a. Pay multiple times a year 

b. Pay once a year 

43. How do you think banks should organize loans ?

a. Direct lending to households

b. Lending to groups

c. Through business 

44. Please give your opinion on your current assets to mortgage for bank loans.

a. The value of the collateral is sufficient to borrow capital 

b. Ask for a guarantee from someone else to have enough property value to mortgage 

c. Request guarantee from Farmers' Association, Women's Association or other organization 

d. No opinion 

45. Do you usually sell green coffee at times when coffee prices are at their highest?

a. Lowest 

b. Average 

c. Average 

d. Highest 

46. Do you usually sell coffee products at the location?

a. Right at the coffee garden

b. Right at home 

c. Bring coffee to a nearby purchasing agent 

d. Bring coffee to coffee businesses 

47. Do you usually sell agricultural products at the time of

a. Selling fresh coffee beans

b. Selling dry coffee beans 

c. Sell green coffee after self-processing 

d. Sell coffee after going to processing facilities to rent 

48. Your other opinion about borrowing capital to develop family coffee production

……………………………………………………………………………………

COFFEE PRODUCTION HOUSEHOLD INFORMATION RECIPIENT

(Sign, full name) (Sign, full name)

Appendix 4. Summary of survey forms for production households that have not borrowed capital

Content

Unit	Opinion
I. Information on land characteristics
1. Garden soil	ha	45.2
a. Leased land	ha	1
b. Land with red book	ha	26.5
2. Coffee growing land	ha	388.6
a. Leased land	ha	2.1
b. Land with red book	ha	281.8
3. Information about coffee growing land
a. Area of land for coffee business	ha	325.5
In which, the area has been granted red book	ha	261.7
b. Basic coffee area construction year 1	ha	13.8
In which, the area has been granted red book	ha	11.6
c. Basic coffee area construction year 2	ha	3.2
In which, the area has been granted red book	ha	1.8
d. Basic coffee area construction year 3	ha	14.7
In which, the area has been granted red book	ha	12.5
II. Total asset value (estimated)	tr.đ	106,788.7
4. Garden land, including houses and other construction works	tr.đ	34,336.9
5. Coffee growing land	tr.đ	70,391.8
III.Main means of production of the household
6. Plows, tractors	female	97
7. Watering system	set	157
8. Buffalo, cow	child	8
IV. Production costs (estimated to be realized in the year)
9. Cost of producing commercial coffee	tr.đ	233,229.3
10. Basic construction coffee production costs	tr.đ	935
11. Cost of purchasing labor tools and machinery	tr.đ	1,678
12. Basic construction costs for warehouse and drying yard	tr.đ	1,412
13. Other business expenses	tr.đ	2,584
a. Animal husbandry	tr.đ	1,025
b. Services	tr.đ	241,198.3
c. Trading	tr.đ	1,946
V. Income from coffee production
14. Coffee yield	tr.đ	971.7
15. Income from selling coffee beans	tr.đ	38,481.5
VI. Other income situation
16. Service Revenue	tr.đ	1,075
17. Revenue from livestock	tr.đ	2,246
18. Revenue from sales	tr.đ	3,071.3

Content

Unit	Opinion
19. Salary revenue	tr.đ	905.6
20. Other income	tr.đ	1,045.3
21. Loan requirements based on determined coffee production costs	%	58.5
VII. Opinions of coffee producers	Opinion	Proportion
22. Reasons why coffee producers do not borrow capital from banks
Agriculture and Rural Development for Coffee Production
a. Have enough capital for production and business, no need to borrow	36	19.5
b. Difficult access to Agricultural Bank	17	9.2
c. Went to the Agricultural Bank to apply for a loan but was rejected.	46	24.9
d. Borrowed from another bank	69	37.3
e. Borrowed from outside the market	17	9.2
23. Capital situation for family business production
a. Have enough capital for production and business, no need to borrow	36	19.5
b. Lacking capital for production and business, in dire need of a loan	149	80.5
24. The bank that coffee producers choose to borrow capital if they need to borrow capital
a. Bank for Agriculture and Rural Development	123	66.5
b. Social Policy Bank	13	7
c. Bank for Investment and Development	25	13.5
d. Industrial and Commercial Bank	17	9.2
e. Dong A Joint Stock Bank	3	1.6
f. Other banks	4	2.2

25. Coffee producers compare loan interest rates of NHNo & PTNT with other commercial banks (excluding the Social Policy Bank)

a. Interest rates for loans from NHNo & PTNT are higher

26	14.1
b. Loan interest rate of NHNo & PTNT equal to other banks	44	23.8
c. Interest rates for loans from NHNo & PTNT are lower	115	62.2

26. Coffee producers compare lending interest rates of NHNo & PTNT with the market

a. Interest rates for loans from NHNo & PTNT are higher

28	15.1
b. Interest rate for loans from NHNo & PTNT by market	35	18.9
c. Interest rates for loans from NHNo & PTNT are lower	122	65.9
27. Desired loan period of coffee producers business coffee care
a. Just borrow for 1 year	132	71.4
b. Loan required up to 3 years	22	11.9
c. Loans can be made for up to 5 years	6	3.2
d. Desire to borrow for more than 5 years	25	13.5
28. Things to do immediately if the household gets a medium-term loan
a. Buy a hand plow	61	33
b. Construction of storage warehouse	46	24.9

Content

Unit	Opinion
c. Building a coffee drying yard	50	27
d. Dig wells to get underground water to irrigate coffee	14	7.6
e. Replanting and renovating old coffee gardens	44	23.8

29. Coffee producers' wishes on the number of principal repayments

a. Pay multiple times a year

26	14.1
b. Pay once a year	159	85.9

30. Coffee producers' wishes on the number of interest payments

a. Pay multiple times a year

27	14.6
b. Pay once a year	158	85.4

31. Coffee producers' wishes about bank lending organization

a. Direct lending to households

156	84.3
b. Lending to groups	12	6.5
c. Through business	17	9.2

32. Coffee producers self-assess the value of their existing assets if they mortgage them to the bank.

a. The value of the collateral is sufficient to borrow capital

147	79.5
b. Request for guarantee by another person	12	6.5
c. Request for guarantee from Farmers' and Women's Association	12	6.5
d. No comment	14	7.6

33. The usual price of green coffee at the time the producer sells the green coffee

a. Lowest

16	8.6
b. Average	34	18.4
c. Average	76	41.1
d. Highest	59	31.9

34. Location where coffee producers usually sell coffee

a. Right at the coffee garden

14	7.6
b. Right at home	43	23.2
c. Bring coffee to a nearby purchasing agent	90	48.6
d. Bring coffee to coffee businesses	38	20.5
35. When do coffee producers usually sell their coffee?
a. Selling fresh coffee beans	18	9.7
b. Selling dry coffee beans	15	8.1
c. Selling green coffee after self-processing	111	60
d. Sell coffee after going to processing facilities for rent	41	22.2

Appendix 5. Verification of loan demand data of coffee producing households

1. Analysis of variance (Anova)

1.1. Testing for differences between households that have not borrowed capital in the PP ecological zone: One-factor analysis of variance

1.1.1. Hypothesis

Let the average value of the 2 regions be a1 and a2 Ho= a1=a2

H1="There exists j1 different from j2 such that aj1 is different from aj2" (there is a difference between the two values of aj (with j=(1,2,…,149))

1.1.2. Data: Capital needs of households without loans by ecological region

1.1.3. Results

Anova: Single Factor

SUMMARY

Groups

Count	Sum	Average	Variance
Suitable area	65	4308	66.27692			59.92212
Relatively suitable area	84	4551	54,17857			87.49785
ANOVA
Source of Variation	SS	df	MS	F	P-value	F crit
Between Groups	5363.63	1	5363.63	71,0489	2.95E‐14	3,905498
Within Groups	11097.34	147	75.49209
Total	16460.97	148

Read the result: F> F crit

P value<0.05

=> Reject Ho, accept H1

The capital needs of households that have not borrowed capital vary according to ecological regions and

Conclude:

This difference is statistically significant.

(If the capital demand of households without loans in suitable areas is not higher than that of relatively suitable areas, the observed probability on the above data (66.3% vs. 54.2%) is 2.94656942248028E‐14)

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