Tín dụng phi chính thức của công nhân tại các khu công nghiệp thành phố Cần Thơ: Thực trạng và hàm ý.

Abstract

This study examines the current situation of informal credit among workers in industrial zones of Can Tho City, with a focus on loan conditions, borrowing costs, and financial risks faced by workers. The study is based on survey data collected from 200 workers, of whom 185 had experience with informal credit. A descriptive analytical approach is employed to analyze the survey data and to reflect the practical conditions of informal credit use. The findings indicate that informal credit is a widely used financing channel for workers due to its simple procedures, rapid disbursement, and limited collateral requirements. However, such loans are associated with short repayment periods, high interest rates, additional fees, and frequent interest payments, which significantly increase repayment pressure and financial risks for borrowers. A proportion of workers reported borrowing to repay previous debts, suggesting the presence of debt rollover risks and short-term financial instability. Based on these findings, the study provides several policy-oriented implications aimed at mitigating the negative effects of informal credit and improving workers’ access to more appropriate and sustainable credit channels.