Page 413 - Ebook HTKH 2024

According to Table 4 and Figure 5 and 6, out of a total of 165 surveys, when asked
about their understanding of green credit, the number of surveys that had understanding

of green credit was quite small, only 49 surveys (accounting for 29.7%); in which the
family income group from 16 - 40 million VND/month accounted for the largest number
of 22 surveys, followed by the family income group from 5 - 15 million VND/month
accounted for 14 surveys and the family income group from 41 - 60 million VND/month
accounted for 11 surveys. In terms of age, the understanding of green credit was mainly
in the age group from 48 - 60 years old (14 surveys), followed by the age group from 23
- 35 years old (14 surveys) and the age group from 36 - 47 years old (11 surveys). Thus,
the survey results show that the middle-income group and the age group of 23 - 47 have

used the bank's consumer credit service and have learned about the bank's green credit
service; in addition, the group with a family income of 5 - 15 million VND/month has
also learned about and wants to use the bank's green credit service. However, for those
who have not used consumer credit services and do not understand green credit, it shows
that the marketing of personal consumer credit products and green credit of banks does
not seem to be really effective. Or consumers are afraid of falling into the high-interest

debt trap in the future, have no need and are used to consuming at the level of their actual
income, and do not borrow.

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