How demographic factors determine banking satisfaction: Czech and kenyan case study

This article examines whether customer satisfaction is determined by age, gender and level of education. Data analysis in "SPSS 22.0" on 726 bank customers from Czech Republic and Kenya indicates that gender is a determinant of customer satisfaction. Furthermore, older individuals prefer easy accessibility of branches. In addition, quality e-banking services satisfy more bank clients with higher education. Older bank clients are dissatisfied with high banking prices and rates, whereas poor e-banking services influence customer dissatisfaction irrespective of educational status. Moreover, impersonal behavior of bank employees persuade people with higher education change banks. © Felix Kombo, Thi Anh Nhu Nguyen, 2016

TOWARDS SEMANTIC NETWORK OF PHILOSOPHY TERMINOLOGIES FOR LEARNING IN UNIVERSITY IN VIETNAM

Semantic network is so far an effective way for knowledge representation, especially if the matter deals with complexity of terminologies and concepts, which are not standalone, but connected by various relations. One among these fields of knowledge is philosophy, and one fact that the study students of university always face with difficulties when address the system of terminologies and concepts of philosophy. In practice, various tools are using by teachers for helping students understand philosophy terminologies and concepts, i.e. using mindmap tools. In this paper, we suggest a use of semantic network as a tool for representation of key terminologies in philosophy of Marxism that have been teaching in Vietnamese universities. For this purpose, the authors of the paper carefully investigate all materials of appropriate learning; make a selection and classification for setting up of terminologies; build a semantic network of these terminologies for a conceptional model. An effort is providing to design one software system with semantic updating, selecting and representing. These results are under the project “Studying and building semantic network of concepts in philosophy discipline for teaching and researching activities” ID: QG.18.46, in a University of Social Sciences and Humanities of Hanoi National University. Article visualizations

RETAILERS’ SATISFACTION WITH PROCTER AND GAMBLE BRANDS DISTRIBUTION POLICY ATTUAN VIET CO.,LTD., HUE BRANCH

Abstract: This study assessetailers’ satisfaction with Procter and Gamble (P&G) brands distribution policy at Tuan Viet Co.,Ltd., Hue Branch concerning the supply of goods, sales policy, information forcustomers, facilities and equipment support, personal relationships, and sales staffs. On the basis ofthe factor analysis method and the ENTER method for regression analysis, the study shows that the factor "Sales policy" ha the greatest impact on retailers’ satisfaction. The study also provides possible solutions to improve retailers’ satisfaction with Tuan Viet company's P&G brands distribution policy. Especially, the study emphasizesseveral issues that Tuan Viet should address, including promoting market surveys to have appropriate distribution policies and basis for appropriate proposals to the producers, and recruiting and training sales staff carefully. In addition to professional skills, it is necessary to pay more attention toestablishingrelationships with clients and navigating sales staffs to work for the company. The company needs to improve its warehousing system,while goods need to be better stocked. Furthermore, the lack of propercoordination between the salesmen and the delivery staffs should be tackled thoroughly. Eventually, the company should set appropriate working principles to avoid conflicts, disunity, and work inefficiency.Keywords: retailer, satisfaction, distribution polic

The role of orographic effects on occurrence of the heavy rainfall event over Central Vietnam in November 1999

In this study, the WRF model is used to investigate the role of Central Vietnam terrain on occurrence of the heavy rainfall event in November 1999 over Central Vietnam. Two model experiments with and without terrain were performed to examine the orographic blocking effects during the event. In the terrain experiment, the results from a three-day simulation show that the model reasonably well captures northeast monsoon circulation, tropical cyclones and the occurrence of heavy rainfall in Central Vietnam. The topography causes a high pressure anomaly intensifying northeast monsoon. When the terrain is removed, the three-day accumulated rainfall decreases approximately 75% in comparison with that in the terrain experiment. The terrain blocking and lifting effects in strong wind and moisture laden conditions combined with convergence circulation over open ocean are the main factors for occurrence of the heavy rainfall event

Preconditions of financial safety during lifecycle: The financial literacy and retirement planning in Vietnam

This study was performed to evaluate and examine financial literacy and retirement planning in sector employment in Vietnam in the context of financial safety during lifecycle. In order to collect primary data, a questionnaire was designed and distributed to 257 employees in the public and private sectors in Ho Chi Minh City. The results of descriptive analysis indicated that those who work in the public sector have a higher percentage of correct answers to questions about financial literacy and knowledge of social insurance than that of employees in the private sector. The results of a linear probability model (LPM) and two-stage least squares (2SLS) regression show that financial knowledge and regular saving are significant factors that enhance retirement planning, whereas sector employment is insignificant to retirement planning. These findings should improve the knowledge of financial literacy, pensions and social insurance disseminated through retirement seminars and education programs for workers. More research, however, should be conducted on these topics in Vietnam

The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam

The paper examines the factors, which affect decision-making on regular personal saving behaviour in the context of an emerging market in Vietnam. Focusing on financial literacy, the paper uses a combined measure of actual financial knowledge and a self-assessment of overall financial knowledge. The sample of the study consists of 240 commercial banks customers selected in 12 branches of four banks in Ho Chi Minh City. The questionnaire covers: (1) actual financial knowledge; (2) self-rating of financial knowledge; (3) financial risk tolerance; and (4) demographic characteristics of the respondents. The results of a logistic regression analysis show that perceived and actual financial literacy have separate effects on regular personal saving. Particularly, actual financial knowledge has a statistically significant positive relationship with regular personal saving with odds ratio higher than 6.5 times. However, perceived financial knowledge and financial risk tolerance factor are not statistically significant with regular personal saving. Finally, this paper offers evidence that the interaction variable, which is used to combine education level with their major study, has a statistically significant relationship with regular personal saving. © Foundation of International Studies and CSR, 2017

Factors affecting to digital skills and adaptability of students in the context of digital transformation at the Ho Chi Minh city University of Technology and Education

The article focuses on analyzing the factors affecting students' digital skills and adaptability in the context of digital transformation. The study identified influencing factors: Environment, Behavior, Individuals, Teachers, Time of use, and access. However, the results of an online survey of 1.282 students of the Ho Chi Minh City University of Technology and Education (HCMUTE) with Cronbach's Alpha test method, EFA analysis, correlations, and regression analysis, showed that there are 3/5 factors identified in the hypothesis that affect digital skills and adaptability of HCMUTE students in the context of digital transformation, specifically: behavior (Beta = 0.177, Sig. = 0.000); individuals (Beta = 0.181, Sig. = 0.027); teacher (Beta = 0.547, Sig. = 0.000). Besides, the environment does not affect digital skills and adaptability (KNSKNTU) due to Beta = 0.017 and Sig.=0.384>0.05. Sig does not involve usage and access time factors. >0.05 in the table Correlations not be further analyzed in the regression model. The research results are expected to help provide a more objective view of the reality of digital adoption and student adaptability in the digital transformation context at HCMUTE

Oxidation of benzyl alcohol to benzaldehyde over MnOx/sepiolite catalysts

MnOx/sepiolite catalysts were synthesized by precipitation method accompanied by the calcination at 4100C. The prepated solids have been characterized by XRD, SEM, TPR-H2. MnOx particles were deposited on the surface of the sepiolite fibers and act as active sites for  the oxidation of benzyl alcohol using tert-butyl hydroperoxide (TBHP) as an oxidizing agent. The catalysts showed a good conversion of benzyl alcohol to benzaldehyde at 60 oC. The influence of the reaction time and reaction temperature was considered. Keywords. MnOx/sepiolite, oxidation, benzyl alcohol conversion, TBHP, benzaldehyde

Factors affecting to digital skills and adaptability of students in the context of digital transformation at the Ho Chi Minh city University of Technology and Education

The article focuses on analyzing the factors affecting students' digital skills and adaptability in the context of digital transformation. The study identified influencing factors: Environment, Behavior, Individuals, Teachers, Time of use, and access. However, the results of an online survey of 1.282 students of the Ho Chi Minh City University of Technology and Education (HCMUTE) with Cronbach's Alpha test method, EFA analysis, correlations, and regression analysis, showed that there are 3/5 factors identified in the hypothesis that affect digital skills and adaptability of HCMUTE students in the context of digital transformation, specifically: behavior (Beta = 0.177, Sig. = 0.000); individuals (Beta = 0.181, Sig. = 0.027); teacher (Beta = 0.547, Sig. = 0.000). Besides, the environment does not affect digital skills and adaptability (KNSKNTU) due to Beta = 0.017 and Sig.=0.384>0.05. Sig does not involve usage and access time factors. >0.05 in the table Correlations not be further analyzed in the regression model. The research results are expected to help provide a more objective view of the reality of digital adoption and student adaptability in the digital transformation context at HCMUTE