Study on the Impact of Loans from the Vietnam Bank for Social Policies on the Income of Poor Households in Binh Lieu district, Quang Ninh Province, Vietnam

Binh Lieu district, Quang Ninh province. It synthesizes previous research and highlights the effects of microcredit on the income of poor households. Building on this foundation, the author investigates the current lending practices of the Social Policy Bank in Binh Lieu district toward poor households in the area. Utilizing the Cobb–Douglas production function and applying Stata software, the author evaluates the impact of loans from the Social Policy Bank on poor households' income. The analysis results indicate that factors such as the age of the household head, loan amount, number of household members, number of laborers, educational level of the household head, household assets, interest rates, and the region where the poor household resides have significant impacts on their income. Based on the study's findings using both qualitative and quantitative methods, the article proposes several policy recommendations to further enhance the bank's lending activities to poor households, with the aim of helping them expand production, improve income, and enhance living standards.