Table 12.7 Correlations between risk preferences/discount rates and the level of potential credit access in Yen Chau district, Vietnam (2011)
Risk preferences method VBARD
VBSP
Unions
Informal
credit groups Money lenders Shopkeepers Relatives
Friends
Total
Multiple price list
À0.098
**
À0.053
À0.094
**
À0.028
À0.095
**
À0.076
*
À0.212
***
À0.087
**
À0.138
***
Self-assessment
À0.129
***
À0.020
À0.011
0.016
À0.037
À0.117
***
À0.025
À0.096
**
À0.111
***
Discount rate (%)
0.038
À0.082
*
0.028
0.053
À0.056
À0.019
À0.050
À0.061
À0.032
Notes: Pearson correlation tests are shown.
***
indicates that there is a statistically significant correlation at the 1 % level,
**
at the 5 % level and
*
at the 10 %
level. The totals column includes five other credit sources in addition to the others in the table, as indicated in the text
478
M. Zeller et al.