IGNITE – Access to Finance – 2021 Report


The findings of this research focus on micro and small enterprises’ (MSE) business operation and management practices, their digital technology access and use in business development as well as their shock resilience and post-shock growth aspirations. These findings will be used to:

  • Inform financial service providers in tailoring their products and services, and direct their operation strategy to better serve the promising MSE customer segment
  • Design project’s interventions to address unmet financial needs among MSEs
  • Promote formal financial access

This is a cross-sectional survey conducted between January and February 2021. The face to face interviews using structured questionnaire were with 1,449 entrepreneurs who are managing micro or small growing enterprises from 7 provinces, including Hanoi, Son La, Thanh Hoa, Hue, Khanh Hoa, Ho Chi Minh city, and Can Tho. The research covered 7 provinces including Hanoi, Son La, Thanh Hoa, Hue, Khanh Hoa, Ho Chi Minh city and Can Tho. The 7 provinces represent 3 key economic areas (the North, the Central, and the South) in Vietnam, with 4 key industries, including trade/service/retail and wholesale; manufacturing and processing; agriculture/forestry and fishery; and construction.


IGNITE – Access to Finance

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