The purpose of this study is to discover the interaction between credit growth and operational self-sustainability and to examine factors that affect credit growth and operational self-sustainability of people's credit funds (PCFs). Credit growth and operational self-sustainability are factors affecting the operations and the goals of people's credit funds (PCFs) in the Mekong Delta region of Vietnam. After regression analysis on a set of panel data from 2013 to 2018 of 24 PCFs, it appears that deposit growth and loan-to-deposit ratio have positive relationships with credit growth, while capital adequacy ratio and operational self-sustainability have negative relationships with credit growth of PCFs; capital adequacy ratio, deposit growth and income have positive relationships with operational self-sustainability, while credit growth and non-performing loan ratio have negative relationships with the operational self-sustainability of PCFs. At the same time, credit growth and operational self-sustainability have a relationship to interact with each other in a contrary trend. The results of this research are accurate according to the characteristics and development history of PCFs in the Mekong Delta region of Vietnam from 2013-2018. This study helps researchers and managers to understand the key determinants for better management of PCFs.

Abstract
1. Introduction
2. Literature Review
    2.1. Factors Affecting Credit Growth of PCFs
    2.2. Factors Affecting Operational Selfsustainabilityof PCFs
3. Research Methodology
4. Research Results
    4.1. Factors Affecting Credit Growth
    4.2. Factors Affecting Operational Selfsustainability
5. Discussions
    5.1. Discussions of the Model of FactorsAffecting Credit Growth
    5.2. Discussions of the Model of FactorsAffecting Operational Self-sustainability
6. Conclusions
References

• Duong Van HA(Postgraduate Training Institute, Hong Bang International University, Ho Chi Minh City) Corresponding Author.