Factors Affecting the Ability to Repay Debts of Corporations at Commercial Banks

This study aims to estimate the influence of these factors on the ability of corporations to repay debts at commercial banks in Vietnam, especially in Ho Chi Minh City. Moreover, this study focuses on the period from 2018 to 2022. Hence, the effects of the COVID-19 pandemic were also examined in this study. In addition, this study employs a binary logistic regression method to analyze the extent of the factors' impact on the ability of corporate customers to repay debts. The results reveal that the model includes six statistically significant factors: collateral, loan term, income, firm size, leverage, net sales, and COVID-19. Furthermore, the model can be used to forecast corporations’ ability to repay debts, which could help commercial banks plan their loan strategies for corporate customers based on the significant results of the Hosmer-Lemeshow test. The study, on the other hand, only focused on some banks in the biggest city in the south of Vietnam, so further research on the area is needed, such as over Vietnam. Doi: 10.28991/ESJ-2024-08-03-016 Full Text: PD

Vietnam’s trade policy: a developing nation assessment

Aim/PurposeThis paper is a review of the progress of the Vietnam socio-economic and development plan and an assessment of the extent to which Vietnam is putting in place the critical social and economic development structures that will enable it to reach the status of “developed nation” in the time set (2020) by its national strategic plan. The research will identify and review trade patterns, trade policy and the effect of foreign aid on Vietnam’s plan to transform its economy and society from a developing nation status to status of developednation. The overriding question stands as “is” Vietnam effec-tively moving towards developed nation statussoon”?BackgroundThis paper examines the history of Vietnam from the command economy in its transition to a market driven economy, the criteria, hurdles and challenges as the country moves towards a developed country status. MethodologyApplied research based on the body of research in socio-economic develop-ment theory, international trade and market theory. The review is conducted by collecting and analyzing data on foreign trade, foreign aid, business and general economic growth, development and social wellbeing. Itidentifies and appraises the trade patterns,trade effects, socio-economic policies and the effect of foreign aid] on the economic growth and the progress of the coun-try towards becoming a developed nation state

Risk management of the Vietnamese banking system: A market research survey

The purpose of this paper is to examine risk management of the Vietnamese banking system. This is the first such study of the Vietnamese banking system. To be able to carry out a comparative analysis and provide policy recommendations for risk management, we carry out an original survey of Vietnamese commercial banks using a questionnaire. 42% of the interviewees are General/Deputy General Directors and 58% are Heads/Deputies of a risk management department. The Kruskal-Wallis, Pearson chi-square and other tests are employed to examine the relationship between risk management and bank efficiency. The survey results indicate that there is a difference between banks in terms of risk area identification, risk intensification methods prioritised, risk monitoring methods, efficiency improvement suggestions, awareness of other banks’ risk management systems and credit risk analysis

What determines credit participation and credit constraints of the poor in peri-urban areas, Vietnam?

This paper uses a novel dataset collected by the first author from peri-urban areas of Ho Chi Minh City, Vietnam in 2008 to examine how the poor use their loans, and factors affecting their credit participation and credit constraints. The paper finds the presence of many commercial banks in the areas does not help the poor, but the poor rely heavily on informal credit. Loans in the peri-urban areas are mainly used for non-productive purposes, which stresses the importance of consumption smoothing motives. Further, households in more rural wards have a higher probability of borrowing than more urban households, thanks to better community relationships and higher interpersonal trust. Competition by borrowing neighbours adversely affects the opportunity for borrowing in urban wards where the poor households’ borrowings rely much more on subsidized credit funds. A closer look at specified microcredit sources reveals that household behaviours differ in each market segment. Furthermore, the poor are highly credit-constrained. Wealthier households, in terms of asset holdings and phone possession, among the poor group appear less credit-constrained. However, except in the most rural part of the study area, the likelihood of credit constraints increases with distance to the nearest banks, which suggests that supply-side intervention could help in overcoming credit constraints. Overall, the poor in urban wards are more credit-constrained because of exclusion by commercial banks and weak interpersonal trust

Gender Differences On The Relation Of Satisfaction-Loyalty

Indonesia is one of developing countries which also followed by the presence of the retail business and industries, especially for textile and clothing industry. The fact that retail industry affects the behavior and way of thinking in Indonesian society especially on the relation of satisfaction on loyalty became an interesting phenomenon to study. This study have the purpose to explore the phenomenon and trying to figure the heterogeneous shopping assessment in retail and how that experience may influence on consequent customer loyalty in different way. Data processing that used in this research is Structural Equation Modeling (SEM) with software AMOS 16.0. The researcher try to analyze and elaborate each relationship of satisfaction that respondents got in experienced, in which affecting on attitudinal, behavioral loyalty, and positive word of mouth. Demographic segmentation also conducted to divide consumer segments category based on gender, then compared those consumer segments in order to know the differences on the relationship of satisfaction-loyalty in each segment. The result shows that there are positive and significant relationships between satisfaction and loyalty dimensions. Moreover, another results shows that there are two latent segments where the strength of causal relationships are same in several causal relationship, also different in some causal relationship. The knowledge of this research may be beneficial towards store owner especially to clothing shops to create a great and memorable shopping experience for customers

The impact of avian influenza on small and medium scale poultry producers in South East Asia (preliminary findings).

Preliminary findings of the economic impact of avian influenza on poultry farmers in South East Asia is reported. Total economic losses in Indonesia are estimated at more than US$387 million; in Vietnam direct economic losses are estimated at more than US$200 million. Probit and economic surplus results are pending.Livestock Production/Industries,

What determines credit participation and credit constraints of the poor in peri-urban areas, Vietnam?

This paper uses a novel dataset collected by the first author from peri-urban areas of Ho Chi Minh City, Vietnam in 2008 to examine how the poor use their loans, and factors affecting their credit participation and credit constraints. The paper finds the presence of many commercial banks in the areas does not help the poor, but the poor rely heavily on informal credit. Loans in the peri-urban areas are mainly used for non-productive purposes, which stresses the importance of consumption smoothing motives. Further, households in more rural wards have a higher probability of borrowing than more urban households, thanks to better community relationships and higher interpersonal trust. Competition by borrowing neighbours adversely affects the opportunity for borrowing in urban wards where the poor households’ borrowings rely much more on subsidized credit funds. A closer look at specified microcredit sources reveals that household behaviours differ in each market segment. Furthermore, the poor are highly credit-constrained. Wealthier households, in terms of asset holdings and phone possession, among the poor group appear less credit-constrained. However, except in the most rural part of the study area, the likelihood of credit constraints increases with distance to the nearest banks, which suggests that supply-side intervention could help in overcoming credit constraints. Overall, the poor in urban wards are more credit-constrained because of exclusion by commercial banks and weak interpersonal trust.Credit participation; credit constraints; the poor; peri-urban; Vietnam