scholarly journals Factors Affecting Savings Deposit Decision of Individual Customers: Empirical Evidence from Vietnamese Commercial Banks

2020 ◽  
Author(s):  
Dao Duy Tung
Keyword(s):  
Commercial Banks ◽  
Bank Capital ◽  
Factors Affecting ◽  
Interest Rate Policy ◽  
Rate Policy ◽  
Main Factors ◽  
Spss Software ◽  
Knowledge And Attitude ◽  
Main Input ◽  
Empirical Implications

Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the fnding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main fndings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers’ savings deposit decisions

scholarly journals Factors affecting the interest rate policy of commercial banks

2021 ◽  
Vol 1 (79) ◽  
pp. 140-150
Author(s):  
M. Zh. Arzaeva ◽  
◽  
G. I. Supugalieva ◽  
G. R. Kasymbekova ◽  
D. M. Mukhiyaeva ◽  
...  
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Factors Affecting ◽  
Interest Rate Policy ◽  
Factors Influencing ◽  
Interest Policy ◽  
Rate Policy ◽  
The Interest Rate ◽  
Internal And External Factors ◽  
General Synthesis

The subject of the flock is conditioned by the need to consider the influence of internal and external factors on the interest rates of banks. The purpose of the study is a comprehensive, reliable study of the main factors influencing the formation of interest rates on the basis of methods of cognition developed in science, as well as obtaining and implementing recommendations of results and conclusions. The choice of the direction of scientific research is related to the need to compile an idea of the features and methods of forming the interest policy of the bank. The research used the method of analysis, synthesis, observation and collection of factual information that allowed studying economic phenomena both in parts (analysis) and in general (synthesis).The article examines the factors influencing the interest rates of commercial banks, which depend primar-ily on the macroeconomic situation in the country.

scholarly journals Assessing the Impact of Bank Concentration and Liquidity of Refah Bank Branches on Profitability during the Period1383-190

2014 ◽  
Vol 4 (1) ◽  
pp. 248
Author(s):  
Hossin Ostadi ◽  
Nastran Monsef
Keyword(s):  
Commercial Banks ◽  
Bank Capital ◽  
Factors Affecting ◽  
Bank Branches ◽  
Independent Variables ◽  
Bank Deposits ◽  
The Impact ◽  
Bank Concentration ◽  
Research Period

Profitability is an important factor to show this articledoeswhat is the role of the intermediary bank to collect your savings and allocation of loans.  Given the importance of profitability indicators in this study, the factors affecting the profitability of commercial banks in Iranare analyzedwith emphasis on the degree of centralization and bank deposits. Dependent variable is indicators of profitability (ROE, ROA) and bank deposits, bank size, bank capital, focus on liquidity and banking requirements are independent variables. Correlation analysis and OLS regression are used and the research period is 1381 to 1390 that the country's territory where bank branches.Our results indicate that the effect of bank size on profitability is positive and the increase in bank size on profitability is increased. Impact on the profitability of bank deposits is positive, ie increasing the profitability of bank deposits increased. Finally, the impact of bank concentration on profitability is positive. Increasing the bank's focus profitability increases. Moreover, the results adversely affect the liquidity of the index is profit. 

scholarly journals An Analysis on the Factors Affecting Credit Selection In BPR to Increase Competitiveness (BPR Case Study in Surabaya)

2020 ◽  
Vol 4 (2) ◽  
pp. 159
Author(s):  
Nobertus Purnomo Lastu ◽  
Werner Ria Murhadi ◽  
Ratna Widyanti W
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Commercial Banking ◽  
Competitive Advantages ◽  
Factors Affecting ◽  
Determinant Factors ◽  
Factors Influencing ◽  
Logistic Method ◽  
Main Factors

Bank Perkreditan Rakyat (BPR) is part of  the  banking  financial institutions  apart from the commercial  banking. .One of the activities of the BPR is to distribute the credits as done by the commercial banks. Problems. BPR as micro financial institutions, in doing their business to  distribute  the credit up to certain amount, are faced with  the  commercial banks  which  have more  competitive advantages, both in the price  and facilities provided. Objective of this research is to identify the factors influencing the customers in making decisions to take the credit at BPR. By identifying the determinant factors in choosing the banks, BPR can use it to improve their services to the customers and at the same time BPR can use it as a strategy in  giving credit to the customers or debtors. The metode employed in this study was regressive logistic method, which was  used to  identify  what factors determine the customers to choose credit at BPR. The conclusion is that the procedures and personality of staff are the main factors making the customers choose credit at BPR

scholarly journals Applying Bayesian method to investigate determinants of non performing loans of banks in Vietnam

2021 ◽  
Vol 5 (1) ◽  
pp. first
Author(s):  
Nam Hai Pham ◽  
Nguyen Ngoc Tan
Keyword(s):  
Commercial Banks ◽  
Policy Implications ◽  
Bank Loan ◽  
Gdp Growth ◽  
Bank Capital ◽  
Factors Affecting ◽  
Gdp Growth Rate ◽  
Macro Variables ◽  
Mcmc Chain ◽  
The Impact

This study was conducted to determine the factors affecting non-performing loans of commercial banks in Vietnam for the period 2007 - 2018. The study applies the Bayesian approach and the Random-walk Metropolis-Hastings algorithm to evaluate the impact of micro and macro factors on non-performing loans of commercial banks. The dependent variable is non-performing loans, which is measured by the ratio of non-performing loans divided by total outstanding loans; the independent variables in terms of bank characteristics are non-performing loans of the previous year, profitability, bank size, bak loans, and bank capital; the macro variables are inflation and GDP growth. Research data was collected from financial statements of 30 Vietnamese commercial banks and the General Statistics Office of Vietnam from 2007 to 2018. To increase the reliability and efficiency of the model as well as reasonable Bayes inference, a convergence test of the MCMC chain was performed. The result of this study shows that non-performing loans of the previous year, bank size, bank loan, bank capital, and inflation have positive impacts on bank non-performing loans. In addition, bank profitability and GDP growth rate are factors that have the opposite effects. Based on the research results, the author proposes policy implications for the decision-makers to help banks reduce non-performing loans and promote banks to operate effectively and more efficiently.

scholarly journals Factors affecting credit risk in lending activities of joint-stock commercial banks in Vietnam

2021 ◽  
Vol 8 (2) ◽  
pp. 228-239
Author(s):  
Thanh Ngo ◽  
Vinh Le ◽  
Hai Le
Keyword(s):  
Economic Growth ◽  
Credit Risk ◽  
Commercial Banks ◽  
Nonlinear Effects ◽  
Financial Statements ◽  
Relative Importance ◽  
Bank Capital ◽  
Factors Affecting ◽  
Positive Effects ◽  
Loan Growth

This paper studies factors affecting credit risk in lending activities of joint-stock commercial banks in Vietnam. Data is collected from audited financial statements of 23 banks, and macroeconomic data from General Statistics Office of Vietnam in the period of 2009 – 2019. This paper uses GMM method which is carried out by using R programing language in Jupyter Notebook. The findings show that lagged credit risk, profitability and inflation have positive effects on credit risk, while bank capital, bank size, economic growth and loans to deposits ratio have negative ones. In addition, the findings also show that the nonlinear effects of loan growth on credit risk with U shape relationship, and this paper also calculates the relative importance of each variable.

scholarly journals DETERMINANTS OF NON-PERFORMING LOAN IN COMMERCIAL BANKS: EVIDENCE IN VIETNAM

2020 ◽  
Vol 37 (01) ◽  
Author(s):  
NGUYEN KIM QUOC TRUNG
Keyword(s):  
Qualitative Research ◽  
Method Of Moments ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Generalized Method Of Moments ◽  
Banking System ◽  
Factors Affecting ◽  
Main Factors ◽  
Major Factors

The main purpose of the article is to model the main factors affecting non-performing loan incurred in the process of lending to clients in Vietnam's commercial joint stock banks during the period of 2009 - 2017. The theories and empirical research studies for the macro and micro factors affecting nonperforming loan are mentioned in the research paper. Using the qualitative research method and the quantitative research, the article analyzes the practical credit situation of the whole banking system in Vietnam and non-performing loan ratios of selected banks. In addition, the Generalized Method of Moments (GMM) is used in the study to model the major factors impact on non-performing loan. The final results showed that the paper has constructed two models with the result as followed, the first model has six statistically significant variables while the second one has only five variables statistically significant.

scholarly journals Analysis of Factors Affecting People’s Satisfaction on the National Target Program for New Rural Construction in Cai Lay District Tien Giang Province (Vietnam)

2021 ◽  
Vol 6 (1) ◽  
pp. 34
Author(s):  
Ngo Thanh Phong
Keyword(s):  
Market Access ◽  
Household Survey ◽  
Factors Affecting ◽  
The People ◽  
Target Program ◽  
Labor Training ◽  
Main Factors ◽  
Spss Software ◽  
Rural Construction ◽  
New Rural Construction

The article assesses people’s satisfaction about the National Target Program on New Rural Construction in Cai Lay district Tien Giang province (Vietnam). The data used in the article was collected in 2020, conducted a household survey according to a pre-designed questionnaire, with a total of 292 surveyed households. The information collected is processed using SPSS software and use the method of regression analysis to build models of the main factors affecting people’s satisfaction with the results of the program. Values of variables in the model are build according to Likert scale with 5 levels (very dissatisfied = 1; dissatisfied = 2; neutral = 3; satisfied = 4; very satisfied = 5). The regression results show that the main factors affecting the satisfaction of the people as the “transport system”, “production reorganization”, “market access”, “career change” and “labor training”.

Analysis of the Bank of Russia information policy

2017 ◽  
pp. 88-110 ◽  
Author(s):  
S. Drobyshevsky ◽  
P. Trunin ◽  
A. Bozhechkova ◽  
E. Gorunov ◽  
D. Petrova
Keyword(s):  
Interest Rate ◽  
Nonparametric Tests ◽  
Information Policy ◽  
Var Models ◽  
New Approach ◽  
Interest Rate Policy ◽  
News Reports ◽  
Internet Users ◽  
Rate Policy ◽  
Exchange Markets

The article investigates the Bank of Russia information policy using a new approach to measuring information effects on Russian data, including the analysis of the tonality of news reports, as well as internet users’ queries on Google. The efficiency of regulator’s information signals is studied using EGARCH-, VAR- models, as well as nonparametric tests. The authors conclude that the regulator communicates effectively in terms of the predictability of interest rate policy, the degree to which information signals affect the money and foreign exchange markets.

Factors Affecting Willingness To Accept Foreign Halal Foods By Urban Malaysian Malays

2019 ◽  
Vol 7 (1) ◽  
pp. 45
Author(s):  
Hasman Abdul Manan ◽  
Shahira Ariffin ◽  
Tengku Sharifeleani Ratul Maknu ◽  
Irwan Ibrahim ◽  
Harlina Suzana Jaafar
Keyword(s):  
Sampling Technique ◽  
Food Products ◽  
Willingness To Accept ◽  
Total Import ◽  
Factors Affecting ◽  
Subjective Knowledge ◽  
Muslim Countries ◽  
Global Brand ◽  
Halal Food ◽  
Knowledge And Attitude

The significant shifts in urbanites’ lifestyles have been the catalyst behind the increased in the consumption of foreign foods and beverages in Malaysia; particularly those made in western nations. Notably, Malaysia’s total import for food had risen significantly from RM26.7 billion in 2009 to RM42.6 billion and RM 45.4 billion, in 2014 and 2015 respectively. These days, urban Malaysian Malays are being inundated with various foreign Halal food products in local markets however, these can also leave them in a rather risky circumstance as the likelihood that some of these foreign food products are not suitable (i.e. Haram) for their consumptions, is relatively high. Halal food issues (namely those foods originated from non-Muslim countries) have created lots of anxieties within the Malaysian Malays’ society. Hence, this study aims to examine factors affecting willingness to accept foreign Halal foods by urban Malaysian Malays. Convenience sampling technique was used to obtain responses from 450 urban Malaysian Malays in designated areas within the Greater Kuala Lumpur/Klang Valley region. The results demonstrated urban Malaysian Malays willingness to accept foreign Halal foods were significantly affected by trust but displayed no relationships with subjective knowledge and attitude. Also, the insignificant attitude- willingness relationship signified the presence of the attitude-behavior gap. The study’s outcomes may perhaps offer new understandings on urban Malaysian Malay markets particularly for global brand owners and marketers.

Sign in / Sign up

Export Citation Format

Share Document