Promoting Accessibility to Financial Inclusion of Micro-Enterprises

Using panel data of 177 micro-enterprises in Hanoi collected in the period from October 2017 to March 2018, this research aims to promote the accessibility to financial inclusion of micro-enterprises with OLS regression. The two key findings are: (1) Two factors from financial inclusion services: Credit and Internet transactions were mostly considered as importance factors affecting ME‟s business performance. The higher figure of people supposed that accessing to Internet transaction plays a very big role in business was witnessed, compared to the figure for crediting.(2) Amongst all factors, the number of years in business has the strongest negative effect on outcomes and financial performance of MEs. It implies that (i) micro-enterprises should pay more attention to the access to internet banking and crediting; and (ii) the longer microenterprises stay in their business, the harder to gain more profit and therefore access to financial inclusion is more crucial.