VNU Journal of Economics and Business, Vol 1, No 3 (2021) 63 71 63 Original Article Determinants Influencing the Intention to Use Formal Credits of Business Households in Vietnam Dinh Thi Quynh Anh*, Hoang Khac Lich VNU University of Economics and Business, 144 Xuan Thuy, Cau Giay, Hanoi, Vietnam Received 24 June 2021 Revised 5 August 2021; Accepted 25 October 2021 Abstract This study aims to evaluate factors of access to the intention to use formal credit of individual business households in Vi[.]