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Banking Sector Depth and Economic Growth: Empirical Evidence from Vietnam
LE, Thi Thuy Hang,LE, Trung Dao,TRAN, Thi Dien,DUONG, Quynh Nga,DAO, Le Kieu Oanh,DO, Thi Thanh Nhan Korea Distribution Science Association 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.3
The Vietnamese economy is a developing country that has brought many opportunities and challenges for the banking system. Commercial banks have developed strongly from quality to quantity, which plays a vital role in developing the economy. They play an important role in capital formation, which is essential for the economic development of a country. They provide financial services to the general public and businesses, ensuring economic and social stability and sustainable growth of the economy. Therefore, the relationship between bank depth and economic growth is of importance in research. This paper used a VAR (Vector Autoregressive Models) estimator for time series data models. The data is collected quarterly from the first quarter of the year 2000 to 2020. The study uses the VAR model to examine the causal relationships of economic growth, growth in money supply expansion, private sector capital requirement, and banks' domestic credit. The results indicate a general short-run relationship between banking sector depth and economic growth with a positive connection, but in the long term, the relationship between these variables can be reversed because of other macro factors. The findings show the two-way causal relationship between GDP growth and banking depth factors. This research contributes to policy-making by underlining the banking sector depth determinants when setting regulations and policies to develop the banking sector.
Factors Affecting the Choice of Banks: Do Bank’s Interest Rate, Employee Image and Brand Matter?
Le Kieu Oanh DAO,Huynh Huu LOC,Van Chien NGUYEN,Le Thi Thuy HANG,Thi Tuyet DO 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.1
The banking system provides a number of important functions for the economy and is also the lifeblood and financier of the economy in each country. Large amounts of idle money have not been exploited by banks; however, banks still depend on loans, including loans from foreign banks, to meet the growing demand, as such, for banks, the cost of capital is high, the stability and business efficiency are low and banks have not promoted their internal resources to grow steadily. To achieve the goal, this research analyzes the factors affecting the choice of bank for the deposit decisions of customers in Vietnam. The study used a sample data of 250 individuals and SPSS software was used to analyze the data. The results showed that customer policy has a positive effect on customers’ deposit decisions in a bank, and this is new evidence regarding behavioral theory in the case of Vietnam. Results further demonstrated that other factors such as employee image, brand, interest rate, relative influencing, and transaction time positively impact the choice of bank for the deposit decisions of customers. However, the bank’s promotion strategies had no impact on the choice of bank for the deposit decisions of customers. Besides, employee image is the most influential factor in the deposit decisions, followed by the bank’s brand and interest rate.
DAO, Oanh Le Kieu,HO, Tuyen Thi Ngoc,LE, Hac Dinh,DUONG, Nga Quynh Korea Distribution Science Association 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.3
This study aims to investigate the impact of the multimarket contract on risk-adjusted profitability. Risk-adjusted profitability is measured in terms of risk-adjusted return on assets. This study employs dynamic panel data of 27 commercial banks in Vietnam using the GMM estimator to test the multimarket contact hypothesis in the Vietnamese banking sector. The results show that there is a negative impact of multimarket contact on the profitability of banks. Multimarket contact, deposit to asset ratio, non-interest income to total income, GDP growth rate, Worldwide Governance Indicator (WGI), and operating cost to assets are the major determinants of risk-adjusted profitability of commercial banks. Our main findings show that Vietnamese banks' focus to increase the multimarket contact may lead to lower profitability and there is evidence that supports theory predictions, since the average number of contacts among banks, bank size, and capitalization are positively related to risk-adjusted profitability. The study has policy implications for commercial banks in that they should not only focus on interest as a source of income and diversify their income source from non-interest income as well since it helps to improve risk-adjusted profitability for them.
A research on students’ readiness for Education 4.0 program
Le Hoanh Su,Nguyen Thi Hong Linh,Vo Dang Hong Ngan,Le Kieu Oanh,Nguyen Ngoc Thanh,Tran Vuong Bao Tran ASCONS 2020 INTERNATIONAL JOURNAL OF EMERGING MULTIDISCIPLINAR Vol.4 No.1
Nowadays, in Vietnam, the government tends to have a great concern to the 4th Industrial Revolution, and Education 4.0 is also a matter to be paid attention to. In order to implement Education 4.0, besides technology and social, people are an important factor involved in the development of the education 4.0. The purpose of the study is to find out the factors affecting student readiness for education 4.0. The proposed model consists of 8 independent factors: Internet self-efficacy, Online communication self-efficacy, Self-regulation, Creativity, Self-discovery, Upgrade, Collaboration, Attitude and 1 dependent factor namely Readiness. Based on 361 samples, this quantitative research was conducted: reliability testing, exploratory factor analysis, correlation coefficients and linear regression. The result shows that there are four key factors affecting readiness including Self-regulation, Creativity, Upgrade and Attitude. The result of t-test shows that the group of students who had experienced online learning had higher readiness for the education 4.0 than the others.
Thi Thu Huong NGUYEN,Kieu Oanh NGUYEN,Tuan Khanh CAO,Viet Anh LE 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.8
The environment friendly lifestyle and the green product trend have motivated corporates to develop and adopt sustainable business practices. However, an increasing number of corporations have engaged in greenwashing practices to create the appearance of environmental responsibility. By employing the theory of reasoned action, the paper investigated a model linking corporate greenwashing and consumers’ green purchase intentions with the mediating role of green trust and green word-of-mouth about green electronic devices in Vietnam. Using an online survey via Email, Zalo, and Wechat, data was obtained from 308 Vietnamese consumers who have been purchasing green electronic devices. Based on the responses of the participants from the questionnaires conducted, data analysis was conducted by using SEM in AMOS version 23. This investigation shows that corporate greenwashing negatively affects consumers’ green trust, green word-of-mouth, and their green buying intentions. Additionally, the paper verifies that green trust and green word-of-mouth mediate the relationships between greenwashing and consumers’ green purchase intentions. These results reinforce the extant understanding of greenwashing and its consequences. Finally, the study not only stimulates future research but serves as a reference for business managers, scholars, and students who are interested on the topic of environmental sustainability, new product development, and green brands.