Financial Access of Women-Owned Small and Medium-Sized Enterprises in Viet Nam

Publication | December 2022

This working paper identifies challenges in access to finance for women-owned small and medium-sized enterprises (SMEs) in Viet Nam and recommends ways to improve it.

Out of 27 banks surveyed, the authors found that only 5 cater to the specific needs of SMEs owned by women. The paper proposes ways of incentivizing financial institutions to invest in this market segment. These include requiring gender-disaggregated data reporting, boosting knowledge on gender lens investing, improving guarantee schemes, and promoting lending to women-owned SMEs as an active hedge against portfolio deterioration. The paper recommends that financial institutions introduce regular tracking of gender-disaggregated data at portfolio level, design and implement gender lens strategies, and develop products and services better tailored to the needs and preferences of women-owned businesses.


  • Introduction
  • Key Findings
  • Selected Initiatives for Improving Access to Finance of Women-Owned Small and Medium-Sized Enterprises
  • Conclusions and Recommendations
  • References
  • Appendixes

Additional Details

  • Gender Equality
  • Industry and trade
  • Viet Nam
  • 68
  • 8.5 x 11
  • WPS220612-2

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