scholarly journals FACTORS INFLUENCING THE QUALITY OF CREDIT IN COMMERCIAL BANKS OF VIETNAM

2021 ◽  
pp. 42-54
Author(s):  
Ai Tran Huu ◽  
My Phan Thi Chieu
Keyword(s):  
Commercial Banks ◽  
Credit Policy ◽  
Factors Affecting ◽  
Face To Face ◽  
Bank Branches ◽  
Credit Quality ◽  
Factors Influencing ◽  
Management Capacity ◽  
Organizational Work

The study aims to determine the factors affecting credit quality at commercial banks and analyze the degree of influence of those factors on credit quality. Usable data were collected from face-to-face interviews with 347 survey subjects — credit officers at the Head Office, credit directors of some bank branches, and credit officers of joint-stock commercial banks. The research results show that seven factors affecting credit quality can be arranged in the following descending order of impact, namely: Credit officer, Credit policy, Management capacity, Banking technology, Risk management, Organizational work, Mobilized capital. Basing on the obtained results, some solutions are proposed to improve the credit quality at commercial banks in Vietnam.

scholarly journals IMPACT ON COMPETITIVENESS OF VIETNAMESE COMMERCIAL BANKS: RESEARCH IN HO CHI MINH CITY

2020 ◽  
pp. 07-22 ◽  
Author(s):  
Tran Huu Ai ◽  
Tran Duc Tuan ◽  
Vinh Thanh Bui
Keyword(s):  
Human Resources ◽  
Financial Services ◽  
Commercial Banks ◽  
Development Strategies ◽  
Ho Chi Minh City ◽  
Executive Management ◽  
Factors Affecting ◽  
Management Capacity ◽  
The Impact

This study has been designed to identify the factors affecting the competitive competence of commercial banks and to rank the priority among these factors as applied to bank leaders’ planning and development strategies. According to the evaluation of managers, the impact of the factors affecting the competitive competence of commercial banks is gradually decreasing in the following order: Financial capacity, Quality of banking and financial services, Management capacity of executive management, Human resources, Technology capacity.

Customer’s satisfaction on service quality at Vietnam Technological and Commercial Joint Stock Bank – An Giang Branch

2020 ◽  
Vol 4 (3) ◽  
pp. First
Author(s):  
Tran Minh Hieu ◽  
Nguyen Duong Ngoc Mai Chi
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Test Method ◽  
Quality Of Services ◽  
Factors Affecting ◽  
Factors Influencing ◽  
Alpha Reliability ◽  
Survey Results ◽  
Development Orientation

This study applied SERVQUAL scale of Parasuraman et al to measure factors affecting customer satisfaction on service quality at Vietnam Technological and Commercial Joint Stock Bank - An Giang Branch (Techcombank An Giang). The study was conducted to survey 207 customers who have been using the service at Techcombank An Giang. The survey results were analyzed by the Cronbach's Alpha reliability test method, then used Exploratory factor analysis (EFA) to verify and evaluate the scale of service quality. The results of the regression analysis show that customer's satisfaction about service quality at Techcombank An Giang includes four factors: The factor with the highest level is the Empathy with Beta = 0.253, the second of factor is the Responsibility with Beta = 0.248, ranked third in the influence level is the Tangible with Beta = 0.235, and the lowest impact level is the Reliability with Beta = 0.144. The research also uses statistical methods to describe and test the differences of demographic factors with customer's satisfactionon service quality.The analysis results show that there is no difference between customer's satisfaction on service quality and factors such as gender, age, income, number of transaction banks, regular transaction banks, and time to use the service at Techcombank An Giang. Through the research results, the author would like to propose some ideas to improve the quality of services, thereby attracting new customers and importantly, keeping traditional customers because the development orientation of Techcombank is to take care of old customers to cross sell other products of the bank. The Stud results offer a basis for the branch to identify the factors influencing customer satisfaction on their service quality, thereby having an appropriate strategy to improve customer satisfaction.

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 Management of Highway Projects in Egypt through Identifying Factors Influencing Quality Performance

2016 ◽  
Vol 2016 ◽  
pp. 1-8 ◽  
Author(s):  
Ahmed Ebrahim Abu El-Maaty ◽  
Ahmed Yousry Akal ◽  
Saad El-Hamrawy
Keyword(s):  
Quality Performance ◽  
Highway Projects ◽  
Factors Affecting ◽  
Product Success ◽  
Factors Influencing ◽  
Design Life ◽  
Questionnaire Form ◽  
Pavement Response ◽  
Asphalt Quality

While project management success focuses upon the processes and the successful accomplishments of cost and time objectives, product success deals with the quality of the final product. Recently, quality of the constructed highway has been considered highly important reason for the pavement response and its design life. The main objective of this paper is to improve the management of highway projects in Egypt by determining the most important factors influencing the quality performance of this industry. In total, 39 factors that may influence the quality of highway projects have been defined through a detailed literature review. The factors are tabulated in a questionnaire form, which is sent out to 13 owners of divided highways, 27 owners of regional roads, and 15 consultants. The analysis of the respondents’ perspectives using fuzzy triangle approach shows that the most important factors affecting the quality are availability of experienced staff in the owner’s and contractor’s teams during the project execution; efficiency of the owner’s inspection team; clarity of responsibilities and roles for each owner, consultant, and contractor; pavement which is not designed according to the regional conditions (e.g., soil type, temperature, and traffic volume); and asphalt quality and type used in the construction process.

MODELING THE INFLUENCE OF THE STRUCTURE AND QUALITY OF ASSETS ON THE PROFITABILITY OF A COMMERCIAL BANK

2021 ◽  
pp. 10-18
Author(s):  
Alena S. Kudriavtseva ◽  
Olga G. Arkadeva
Keyword(s):  
Economic Analysis ◽  
Commercial Banks ◽  
Financial Stability ◽  
Banking System ◽  
Factors Affecting ◽  
Correlation And Regression Analysis ◽  
The Stability ◽  
Classical Economic ◽  
Sound Management

In modern conditions, the methods of classical economic analysis are not enough to solve the problem of bank stability. This requires the development of methods and tools to analyze the current situation in the bank and to develop sound management decisions aimed at ensuring the stability of the bank. The article notes that the analysis of the influence of the structure and quality of assets on the profitability of commercial banks is an important step for assessing the financial position and reliability of a bank, and a method is proposed for constructing a model of the dependence of bank’s profitability on the factors that determine it. The scientific sources were the works of Russian and foreign researchers in the field of modeling and characteristics of the banking system, financial stability of credit institutions, assessment of the creditworthiness of potential borrowers, system organization and information technology. The article uses the methods of economic analysis, differential calculus and mathematical statistics, as well as the achievements of the main scientific schools dealing with the problems of economic and mathematical modeling and economic analysis of banking. In order to determine the most significant economic factors affecting the profitability of commercial banks, generalization of the theoretical, methodological and applied aspects of studies devoted to the study of the influence of the structure and quality of assets on the profitability of commercial banks was carried out, and a correlation and regression analysis was made. The model presented in the article can be used to predict changes in the profitability of Russian commercial banks and to predict promising directions for growth in profit and profitability of the bank.

An Empirical Investigation of Factors Affecting Web-Based and Face-to-Face Student Satisfactions with Course Website

2012 ◽  
Vol 4 (2) ◽  
pp. 19-32
Author(s):  
Qidong Cao ◽  
Xue Bai ◽  
Thomas E. Griffin
Keyword(s):  
Student Satisfaction ◽  
Correlation Coefficients ◽  
Online Students ◽  
Web Based ◽  
Factors Affecting ◽  
Face To Face ◽  
Education Delivery ◽  
Website Features ◽  
Z Transformation

Course Websites have been considered an increasingly important part of online as well as face-to-face education delivery formats. While a vast body of literature has been devoted to comparison of the online and traditional face-to-face courses, little research of student satisfaction with respect to course Websites differentiated between the online and face-to-face students. In order to improve quality of course Websites, the effort was aimed at identifying important predictors of the satisfaction of online students and face-to-face students. This study conducted Fisher’s z transformation and test to compare correlation coefficients of each of Website features and the student satisfaction between two groups of student. Williams’ T-test was performed to compare correlation coefficients, with the student satisfaction, of different Website features within one group, online or face-to-face students. The results showed that online students and face-to-face students had different focuses on Website features. Educational administrators, instructors and system developers might accordingly apply limited resources on improvement of most important features to efficiently increase student satisfaction.

scholarly journals PERSEPSI MASYARAKAT PESISIR TERHADAP PENGGUNAAN ENERGI ALTERNATIF UNTUK MELAUT

2008 ◽  
Vol 3 (2) ◽  
pp. 233
Author(s):  
Mira Mira ◽  
Riza Zulkarnen
Keyword(s):  
Diesel Fuel ◽  
Alternative Energy ◽  
Fossil Fuel ◽  
Community Perception ◽  
Distribution Factor ◽  
Coastal Community ◽  
Factors Affecting ◽  
Factors Influencing ◽  
Low Correlation

Tujuan dari tulisan ini difokuskan untuk mengkaji persepsi masyarakat pesisir (nelayan) terhadap penggunaan energi alternatif untuk melaut, selain itu juga akan dianalisis faktor-faktor yang mempengaruhi nelayan untuk mengganti solar dengan biodiesel dalam mengatasi kelangkaan BBM. Lokasi penelitian yang dipilih adalah Cilacap dan penelitian dilakukan pada tahun 2006. Dari hasil pengolahan data, sebesar 72,50 persen nelayan mempunyai persepsi yang tinggi (positif) terhadap keberadaan biodiesel sebagai energi alternatif dalam mengatasi kelangkaan BBM. Persepsi nelayan yang rendah (negatif) akan menghambat pelaksanaan program desa nelayan mandiri energi, sedangkan persepsi yang tinggi (positif) merupakan dukungan dalam mencapai tujuan program desa nelayan mandiri energi. Terdapat 27,50% nelayan yang masih ragu-ragu tentang keberadaan biodiesel. Menurut nelayan keberadaan biodiesel belum tentu harganya lebih murah dibanding solar. Ada juga responden yang meragukan kualitas biodisel. Ada tiga faktor yang sangat mempengarugi responden dalam proses keputusan pembelian biodiesel harga, kualitas (keamanan), dan distribusi. Pada uji signifikansi 0,05 hasil analisis Spearman memperlihatkan adanya hubungan yang sangat tinggi (derajat asosiasi tinggi) antara harga dengan keputusan membeli biodisel, yaitu sebesar 1 (nilai koefisien korelasi), artinya semakin murah harga biodisel maka semakin besar keinginan responden untuk mengganti solar dengan biodiesel. Faktor distribusi menunjukkan adanya korelasi yang rendah, yaitu sebesar -0, 293 pada uji signifikansi 0,05.  Tittle: Coastal Community Perception to Use Alternative Energi for FishingThis paper was focused on analyzing the coastal community perception on the use of alternative energy for fishing, as well as the factors influencing the fisher to substitute diesel fuel by biodiesel to overcome the high cost problem of fossil fuel. Research was conducted in Cilacap in 2006. The results showed that 72,50% of fishers indicated a high perception (positive) to biodiesel as alternative energy while 27,50% of fisher were uncertained to the use of biodiesel. According to fishers biodesel price was not lower then the solar price.Some fishers were also doubted to the quality of biodesel. There were 3 factors affecting responden to decide on the use of biodiesel : price, quality and distribution. The decision was highly affected by the price (coefficient value=1) based on Spearman analysis. It means, the cheaper the price, the more probability of respondents to use the biodiesel will be. Distribution factor shows a low correlation with value of = -0,293 at level significancy of 0.05. 

scholarly journals Online Teaching Amid COVID-19 Pandemic: Factors Affecting Teacher Satisfaction

2021 ◽  
Author(s):  
Pham Ngoc Thach ◽  
Do Quynh Huong ◽  
Tran Minh Thanh
Keyword(s):  
Online Teaching ◽  
Online Courses ◽  
Teacher Satisfaction ◽  
Factors Affecting ◽  
Teaching Online ◽  
Face To Face ◽  
Study Results ◽  
Regression Techniques ◽  
Almost All

The COVID-19 pandemic had a great impact on almost all aspects of life, especially in the field of education and training. In response to this challenge, most schools and universities worldwide made online courses available their students according to the policy ‘School is Out, but Class is On’. In this study, we used mixed methods approach, frequency analysis, correlationand multivariate regression techniques to explore the factors that affect lecturers satisfaction when teaching online during the period of COVID-19 pandamic at a big university in Vietnam. The ‘study results showed that the main factors affecting faculty satisfaction were their interaction with students, their skills to operate available applications, support from institutions and students’online behaviour. The results of qualitative data analysis (open-ended questions and interviews) reinforced the above findings and indicated the need to deploy blended-learning, which combines online and face-to-face modes to ensure quality of teaching.

scholarly journals Factors Affecting Health-related Quality of Life Among Thalassemia Patients, 2020, Sana’a-Yemen

2021 ◽  
Author(s):  
Abdullah Ali Gafer ◽  
Nabil Ahmed Al-Rabeei ◽  
Mohammed Sadeg Al-Awar
Keyword(s):  
Quality Of Life ◽  
Iron Chelation ◽  
Health Related Quality ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Face To Face ◽  
Clinical Counseling ◽  
Related Quality ◽  
Health Related

Abstract Background: Identifying and understanding the variables that influence health-related quality of life (HRQoL) in patients with thalassemia is critical to creating more appropriate clinical, counseling, and social support programs to develop treatment results for these individuals. The purpose of this investigation is to investigate the variables that are related with HRQOL in thalassemic patients in Yemen. Methods: From July to September 2020, a descriptive, cross-sectional investigation was carried out among Thalassemia patients who attended the Yemen Society for Thalassemia. a total of 344 individuals with Thalassemia between the ages of 5 and 18 years old. Data were gathered by utilizing the Pediatric Quality of Life 4.0 as face to face interview with children and their parents. The scale consisted of four domains (Physical, emotional, social, and school functioning) and other related demographic and clinical characteristics of the patients. coefficient tests as appropriate. Two-tailed, p-value <0.05 was regarded statistically considerable.Results:The findings of the investigation displayed that the Thalassemia patients were males with a percentage of (54.9%)Thetotal HRQoL mean score was found to be (50.6±16.5) with the highest mean scores in the social (69.3±20.2) and emotional (55.9±20.7) functioning domains. There was correlation between age, education, residency, and total HRQoL scores, which was statistically significant (P-value<0.05). There was correlation between iron overload complications, pre-transfusion Hb level, received iron chelation, and total HRQoL scores (P-value<0.05).Conclusions:Appropriate programs focused at providing psychological support to thalassemia patients are needed to improve their HRQoL. The results also supported the significance of keeping a pretransfusion hemoglobin level of at least 9-10.5 g/dL prior to the transfusion procedure.

scholarly journals Factors Affecting Responsibility Accounting at Joint Stock Commercial Banks in Vietnam

2020 ◽  
Vol 55 (4) ◽  
Author(s):  
Nguyen Thi Dien ◽  
Le Doan Minh Duc ◽  
Vo Hoang Ngoc Thuy ◽  
Nguyen Hoang Tien
Keyword(s):  
Organizational Structure ◽  
Commercial Banks ◽  
Organizational Level ◽  
Management Tools ◽  
Factors Affecting ◽  
Research Results ◽  
The Social ◽  
Management Capacity ◽  
Decentralized Management ◽  
Responsibility Accounting

Modern management today requires corporations to control and evaluate governance responsibilities at each organizational level. To achieve this goal, managers must possess management tools to do it effectively. In order to improve the operational efficiency of joint stock commercial banks, it is necessary to include responsibility accounting as one of such tools. This study conducted a survey of 32 joint stock commercial banks with 304 questionnaires, using Statistical Package for the Social Sciences software for data analysis. The obtained research results indicate that factors affecting responsibility accounting in joint stock commercial banks include: (1) decentralized management, (2) organizational structure, (3) managerial awareness, (4) controlling activities, (5) qualifications of accountants, and (6) reward systems. Based on the research results, we proposed several governance implications for joint stock commercial banks, such as (1) choosing suitable organizational structure, (2) developing the Responsibility Accounting Reporting System, and (3) improving professional qualifications and management capacity.

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