scholarly journals Determinants of credit risk at Vietnam bank for agriculture and rural developments in Can Tho City

2022 ◽  
Vol 9 (2) ◽  
pp. 31-40
Author(s):  
Dang et al. ◽  
Keyword(s):  
Credit Risk ◽  
Quantitative Research ◽  
Secondary Data ◽  
Operational Efficiency ◽  
Quantitative Research Methods ◽  
Factors Affecting ◽  
Credit Risks ◽  
Can Tho City ◽  
Return On Sales ◽  
Corporate Customers

The aim of this study is to investigate factors affecting credit risks of the borrowers (both corporate and individual customers) of Vietnam bank for agriculture and rural development's branch at Can Tho city (lender), thereby proposing several solutions to improve the bank’s operational efficiency in the upcoming years. Simultaneous qualitative and quantitative research methods are applied and secondary data from 102 corporate customers and 2100 individual clients are collected directly from the financial report of the Can Tho branch of Vietnam bank for agriculture and rural development (Agribank) until the end of 2018. A binary logistics model is employed to identify the determinant factors of the credit risk of bank customers. Estimation results reveal that the credit risk of corporate customers is affected by the factors of sales growth, return on sales ratio, Debt to equity ratio, collateral-to-outstanding loan balance ratio, and customer's loan history which are consistent with those of previous studies, whereas the credit risk of individual customers is influenced by the factors of age, educational level, loan purpose, loan maturity, type of collateral, customer income, and customer loan history, which are confirmed by previous studies. The empirical findings of the article imply that the Can Tho branch of Agribank should take precautions in order to limit the credit risk of bank customers. In addition, several governance recommendations are given for bank’s manager to improve the operational efficiency of bank.

scholarly journals MODEL FOR SOCIAL MARKETING IMPACT ON CONSUMERS HEALTHY LIFESTYLE CHOICE

2021 ◽  
Author(s):  
Justė STATNICKAITĖ ◽  
Monika PAULĖ
Keyword(s):  
Social Marketing ◽  
Quantitative Research ◽  
Healthy Lifestyle ◽  
External Environment ◽  
Secondary Data ◽  
The Novel ◽  
Socially Responsible ◽  
Quantitative Research Methods ◽  
Factors Affecting ◽  
Lifestyle Choice

Purpose – the purpose of this article is to present the novel model developed to measure social marketing impact on consumers choice for healthy lifestyle. Social marketing is very complex by aiming to promote socially responsible products and behavior for the benefit of the consumer and society at the same time. What is more, con- sumers choice for healthy lifestyle is determined not only by marketing influence but other personality and external environment factors as well. Research methodology – the model presented in the article was developed based on literature analysis and secondary data. Findings – social marketing impact on consumers choice for healthy lifestyle is determined not only by the social mar- keting, but also the consumer personality itself and the influence of the external environment on consumer. Research limitations – validation of the novel developed model dedicated for the measurement of social marketing impact on consumers choice for healthy lifestyle should be further validated with quantitative research methods. Practical implications – the application of the model will enable marketing specialists to determine the contents and other situational details of social marketing for consumers to choose healthy lifestyle and products related to it. Originality/Value – the value of the model is determined by its novel attitude to social marketing in parallel with other factors affecting consumer behaviour.

scholarly journals CAUSE ANALYSIS OF CONTRACT AMENDMENT IN THE X DRY DAM CONSTRUCTION PROJECT IN INDONESIA

Neutron ◽  
2020 ◽  
Vol 20 (01) ◽  
pp. 33-40
Author(s):  
Novika Candra Fertilia ◽  
Hana Sary Ayuningtias
Keyword(s):  
Quantitative Research ◽  
Secondary Data ◽  
Weather Conditions ◽  
Influential Factors ◽  
Land Acquisition ◽  
Dam Construction ◽  
Quantitative Research Methods ◽  
Importance Index ◽  
S Curve ◽  
The Government

The government is building two dams to pursue flood capacity in Jakarta, one of which is the X Dry Dam project. There were obstacles during the construction of this project, which resulted in several changes in the form of contract amendments. The purpose of this study is to determine the most influential factors that cause contract amendments and give suggestions for that factors, so the next contract amendment can be minimized and the project can run according to the costs and time that has been set. In this study, the authors use quantitative research methods by distributing questionnaires to respondents who are staff at the contractor. Secondary data used is the S curve. This research uses 4 stages of the questionnaire by using the reliability test using SPSS version 25 software and data analysis of importance index (II). From the results of this study are the X Dry Dam Project has 5 factors that most influence the occurrence of contract amendments that are land acquisition (53.33%), severe weather conditions (52.19%), society refusal of the project (48.84%), lacking design process planning (42.12%), and schedule /estimated time by the owner is too fast (40.28%).

scholarly journals Research on factors affecting the competitiveness of Nghi Son economic zone, Thanh Hoa province

2021 ◽  
Vol 62 (2) ◽  
pp. 98-108
Author(s):  
Hieu Tien Nguyen ◽  
Le Thi Le ◽  
Keyword(s):  
Factor Analysis ◽  
Quantitative Research ◽  
Quantitative Research Methods ◽  
Factors Affecting ◽  
Management Board ◽  
Zone Management ◽  
Production Factors ◽  
Enterprise Level ◽  
Economic Zone

Competitiveness plays a key role in creating the prosperity, efficiency, and productivity of an economic zone. This study is conducted to build and verify a scale of factors affecting the competitiveness of Nghi Son economic zone, Thanh Hoa province. Both qualitative and quantitative research methods are applied. The collected data includes 108 enterprises operating in Nghi Son economic zone. After screening, the data is processed through the exploratory factor analysis, confirmatory factor analysis and description statistics to consider as a basis for the weighting scales. The research results indicate that: there are 4 groups of factors that directly affect the competitiveness of the economic zone, including: availability of the economic zone, the role of the economic zone management board, competitiveness platform at EZ level, and competitiveness platform at the enterprise level. The assessment of the importance of factor groups shows that the groups of indicators related to the advantage of input production factors are underestimated the role of intangible factors related to competing capability.

scholarly journals ANALISIS PENGARUH JUMLAH KREDIT, LOAN TO ASSET RATIO (LAR), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NON-PERFORMING LOAN DI PT BANK RAKYAT INDONESIA (PERSERO) Tbk CABANG WONOGIRI TAHUN 2018

2019 ◽  
Vol 3 (02) ◽  
Author(s):  
Yuan Sasmita Nugraha ◽  
Burhanudin AY ◽  
Ratna Damayanti
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Data Sources ◽  
Coefficient Of Determination ◽  
Quantitative Research Methods ◽  
Branch Office ◽  
Collection Methods

This study aims to determine the effect of the amount of credit, LAR, and LDR on Non-Performing Loans at PT Bank Rakyat Indonesia (Persero) Tbk Wonogiri. This study used quantitative research methods. The data sources used in this study are secondary data, namely the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk, the Wonogiri Branch Office in 2018. Data collection methods in this research were documentation and literature studies. This study used classical assumption test techniques, multiple linear regression analysis, and hypothesis testing (t test, f test, coefficient of determination). The results of data analysis are: The amount of credit has a positive and significant affect on the NPL, Loan To Asset Ratio (LAR) has negative and significant affect on the Non-Performing Loan (NPL), Loan To Deposit Ratio (LDR) has positive and significant affect on the Non-Performing Loan (NPL). Keywords: Amount of Credit, LAR, LDR, NPL.

scholarly journals Factors Affecting Millennial Generation Interest of Using E-Money

2020 ◽  
Vol 16 (2) ◽  
pp. 245-256
Author(s):  
Afrida Putritama ◽  
Rizki Shinta Puspita Sari
Keyword(s):  
Research Methods ◽  
Millennial Generation ◽  
Quantitative Research ◽  
Ease Of Use ◽  
Quantitative Research Methods ◽  
Factors Affecting ◽  
Research Gap ◽  
Causal Comparative

Abstract: This research aims to answer the research gap of previous TAM research, as the factors affecting interest in using e-money on millennials by using 2 aspects of the TAM (ease and usefulness) with promotion and risk of use. This research applied causal-comparative to quantitative research methods. The results imply that: 1) The higher the ease of use of e-money, the higher the interest of millennials in using e-money; 2) Millennials have perceived the benefits from using e-money in transactions which certainly encourages the interest on using it; 3) The more intense the promotion carried out by the publisher, the millennials will be more likely to experience the promotion, so that it can encourage the interest in using e-money; 4) Millennials tend to prioritize the benefits than the risks of using e-money.Keywords: interest to use, e-money, millennials Faktor yang Mempengaruhi Minat Penggunaan E-money pada Generasi MilenialAbstrak: Penelitian ini bertujuan menjawab research gap penelitian TAM terdahulu yaitu mengetahui faktor yang mempengaruhi minat penggunaan e-money pada generasi milenial dengan menggunakan 2 aspek pada teori TAM (kemudahan dan kebermanfaatan) dengan daya tarik promosi dan risiko penggunaan. Penelitian ini menggunakan metode penelitan kuantitatif kausal komparatif. Hasil penelitian ini mengimplikasikan bahwa: 1) Semakin tinggi kemudahan penggunaan e-money yang dirasakan, maka semakin tinggi pula minat generasi milenial untuk menggunakan e-money, 2) Generasi milenial telah merasakan manfaat yang dihadirkan dari penggunaan e-money dalam bertransaksi yang tentunya mendorong minat menggunakan e-money; 3) Semakin gencar promosi yang dilakukan pihak penerbit maka semakin besar kemungkinan generasi milenial merasakan promosi yang diberikan sehingga mampu mendorong minat untuk menggunakan e-money; 4) Generasi milenial cenderung mementingkan manfaat yang didapat dibandingkan dengan risiko yang akan diterima dari penggunaan e-money.Kata kunci: minat penggunaan, e-money, generasi milenial

scholarly journals The Effect of Working Capital, Liquidity and Solvency on Profitability at PT Nippon Indosari Corpindo, Tbk

2020 ◽  
Vol 7 (1) ◽  
pp. 11
Author(s):  
Eni Puji Astuti
Keyword(s):  
Quantitative Research ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Coefficient Of Determination ◽  
Working Capital ◽  
Quantitative Research Methods ◽  
Main Attraction

The main attraction for owners of company shareholders lies in the profitability ratio that shows the results of the management of the company's management of the funds invested. This study aims to determine: The Effect of Working Capital, Liquidity and Solvency on the Profitability of PT. Nippon Indosari Corpindo Tbk, both partially and simultaneously. Descriptive quantitative research methods, the data used are secondary data in the form of financial statements of PT. Nippon Indosari Corpindo Tbk, for a period of 9 years from 20010 - 2018 obtained through the IDX (Indonesia Stock Exchange). The analytical method used is the classic assumption test, multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the analysis results obtained the coefficient of determination (R2) of 0.928 or equal to 92.8%, which means that the contribution made by working capital, liquidity and solvency to profitability reaches 92.8.3% the remaining 7.2% is influenced by other variables which is not researched. Based on the t test partially working capital on profitability there is an effect where tcount -5.847> t table 2.575 and significance value 0.02 <0.05 and partially liquidity on profitability has no effect where tcount 1.846 <t table 2.575 and significance value 0.124> 0.05 and partially solvency to profitability there is the influence of tcount -3.386> ttable 2.575 and significance value 0.02 <0.05 based on the f test simultaneously working capital, liquidity and solvency affect the profitability where Fcount 21.477> Ftable 5.41 with a significant value of 0.003 <0.05

scholarly journals Factors affecting financial management: Case study of educational manager training and fostering public institutions

2021 ◽  
pp. 1861-1870
Author(s):  
Thang Quyet Nguyen ◽  
Ha Thanh Viet ◽  
Le Thi Thanh Loan
Keyword(s):  
Financial Reporting ◽  
Internal Control ◽  
Financial Management ◽  
Quantitative Research ◽  
Reporting System ◽  
Positive Impact ◽  
Specific Model ◽  
Ho Chi Minh City ◽  
Quantitative Research Methods ◽  
Factors Affecting

The research focuses deeply on and evaluates the factors affecting financial management of educational managers training and fostering institutions in Ho Chi Minh City, Vietnam. This is a very specific model for countries in transition economies as in Vietnam, a country is in the process of comprehensive renovation, restructuring public service delivery institutions, increasing the assignment of self-responsibility to institutions, reducing financial pressure on the State budget. Using qualitative and quantitative research methods together with techniques, i.e., testing reliability scales with Cronbach's alpha coefficients, exploratory factor analysis EFA, CFA and linear model SEM, the study investigated 500 samples in 07 educational institutions in Ho Chi Minh City, Vietnam. The findings revealed six (06) factors, which are internal control system, technology infrastructure, top managers’ commitment, cash management and budget system, organizational responsibility, affected the financial reporting system, and meanwhile, the financial reporting system has a positive impact on the financial management. Based on this result, the study has proposed implications for improving financial management in educational managers training and fostering institutions in Ho Chi Minh City, Vietnam.

scholarly journals ANALISIS PENGARUH INFLASI DAN KURS TERHADAP INDEKS SAHAM SYARIAH INDONESIA (ISSI) TAHUN 2014-2018

2020 ◽  
Vol 6 (1) ◽  
pp. 7-14
Author(s):  
Syaiful Anwar ◽  
Adni Dwi A
Keyword(s):  
Exchange Rates ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Stock Index ◽  
Quantitative Research Methods ◽  
Related Data ◽  
Closing Price ◽  
Analysis Models

This study aims to find out empirically the effect of inflation and exchange rates on the movements of the Indonesian Islamic Stock Index (ISSI). This research uses quantitative research methods, using multiple linear regression analysis models. Data collection uses secondary data from documentation related data. Data is taken from the monthly closing price of each variable from 2014-2018 (60 months). The research test uses the t test and F test and is processed using SPSS16. The results showed that inflation had a significant effect and the exchange rate had no partial effect on ISSI movements, but both variables had a significant simultaneous effect on the ISSI

scholarly journals Penggunaan Path Analysis Dalam Analisis Pengaruh Efisiensi Operasional, Tingkat Kecukupan Modal Dan Likuiditas Terhadap Profitabilitas Bank Umum Syariah Di Indonesia Tahun 2011-2014

2016 ◽  
Vol 1 (1) ◽  
pp. 67
Author(s):  
Ari Kristin Prasetyoningrum ◽  
Siti Nur Hasanah
Keyword(s):  
Path Analysis ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Research Data ◽  
Capital Adequacy ◽  
Operating Costs ◽  
Islamic Banks ◽  
Quantitative Research Methods

This study was to determine the effect of Operating Costs (ROA), level of capital adequacy (CAR), and Liquidity (QR) to Profitability (ROA) at the Islamic Banks in 2011-2014. This study used quantitative research methods. Source of research data are secondary data from the quarterly financial statements of Islamic Banks in 2011 to 2014 were obtained from the website. This study using path analysis because there are two models of the equation (substructure) with IBM SPSS application program. Purposive sampling technique is used to determine number of sample. The sample was seventh quarterly financial statements Islamic Bank (BRI Syariah, Bank Syariah Mandiri, Bank Panin Syariah, BCA Syariah, Bank Mega Syariah, and Maybank Syariah) from 2011 to 2014, each bank was obtained 16 financial statements in order to obtain 112 data. The results of this study indicate that the Operating Costs (ROA), level of capital adequacy (CAR), and Liquidity (QR) had an influence on profitability (ROA). There are also indirect influence between the level of capital adequacy (CAR) to Profitability (ROA) through Liquidity (QR), the liquidity position (QR) as the weakening of the influence.

scholarly journals Factors affecting consumer loyalty at retail stores in Ho Chi Minh City

2020 ◽  
Vol 4 (3) ◽  
pp. First
Author(s):  
Vo Duy Minh
Keyword(s):  
Quantitative Research ◽  
Ho Chi Minh City ◽  
Future Research ◽  
Retail Stores ◽  
Consumer Loyalty ◽  
Group Discussions ◽  
Quantitative Research Methods ◽  
Factors Affecting ◽  
Perceived Service Quality ◽  
Consumer Commitment

The paper aims to analyze and quantify the factors affecting consumer loyalty to retail stores in Ho Chi Minh City (HCMC) in the lens of the Theory of Reason Action (TRA). The paper uses a combination of qualitative and quantitative research methods. The former was conducted through focus group discussions with 15 consumers using services at retail stores in HCMC while the latter was conducted by a direct survey on 465 customers using the service of retail stores in HCMC. The results show that (i) preferential treatment from retail stores, (ii) consumer commitment, (iii) consumer gratitude, and (iv) perceived service quality affect consumer loyalty. The research has limitations such as (i) consumer loyalty is influenced by many other factors. Therefore, it is necessary to include additional determinants in future research (ii) the research is only conducted in HCMC, and (iii) the sample size is relatively small with only 465 consumers.

Sign in / Sign up

Export Citation Format

Share Document