Vietnamese farmers struggle with not getting enough credit, which hurts their farming. A study looked at why this happens and how it affects farming in Vietnam. They found that having more skills, connections, and resources can help farmers get more credit. But having a bad credit history or having to travel far for credit makes it harder to get. Different credit markets have different reasons for not giving credit. Overall, not getting enough credit makes farming outcomes worse for farmers in Vietnam. The study suggests ways to help farmers get more credit and improve their farming.