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Nga, Lu Phi
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Engineering Environmental Science Industrial & Manufacturing Engineering Transportation

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Factors Affecting the Capital Adequacy Ratio (CAR): A Case Study of Joint-Stock Commercial Banks in Vietnam Nga, Lu Phi; Ha, Doan Thanh
International Journal of Supply Chain Management Vol 10, No 2 (2021): International Journal of Supply Chain Management (IJSCM)
Publisher : International Journal of Supply Chain Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The commercial banks are constantly implementing capital adequacy to meet Basel standards, primarily through the issuance of bonds to increase tier 2 capital sources to ensure capital safety and mobilize capital. Long-term to meet the market’s borrowing needs. For that reason, this article aims to study the factors affecting the capital adequacy ratio of joint-stock commercial banks in Vietnam to consider the impact of macroeconomic and internal factors. The author has conducted a study the Data from 20 joint-stock commercial banks in Vietnam from 2009 to 2019. The authors used traditional panel data analysis methods, including Pooled OLS, tissue Fixed effects (FEM), random effects (REM) model. The authors had obtained some main results as follows: both economic growth and inflation do not have a positive impact on CAR
Applied Regression Modelling to Recommend Microfinance Development Policies Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.139

Abstract

Microfinance plays an essential role in the socio-economic development of each country through support for poverty reduction. In Vietnam, hunger eradication and poverty reduction under the National Target Program have received attention and implementation in recent years. However, during 2020-2021, Vietnam had several difficulties and hurdles for microfinance organizations, exacerbated by the Covid-19 outbreak, which was hurting the country and all sectors of social life. Microfinance is an excellent instrument for long-term poverty reduction since it teaches the poor how to do business and save and provides essential information. However, microfinance has not yet reached its full potential in our nation. One of the suggested reasons is the legal framework impediment. Thus, the research examines the State's policies for microfinance operations using a survey of 260 staffs related to microfinance activities from 30 microfinance organizations and 30 commercial banks in Vietnam, with data processed using SPSS 20.0. Finally, the study's value suggests ideas for removing barriers to continued microfinance activity development in Vietnam.
An Empirical Analysis of Bank Capital Adequacy Ratio in Vietnam: A Data Science Approach Using System Generalized Method of Moments Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 1: JANUARY 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i1.156

Abstract

Commercial banks and the financial industry face considerable hurdles in light of the fourth Covid-19 outbreak. Commercial banks continuously put capital adequacy measures in place to fulfill Basel regulations. One of the main ways they do this is by issuing bonds, which boost tier 2 capital sources. This helps mobilize capital and assure capital safety for the market's borrowing requirements in the long run. As a result, considering both external and internal variables, this research seeks to investigate what influences the capital adequacy ratio of Vietnam's joint-stock commercial banks. Between 2011 and 2022, the authors combed through data from 25 different Vietnamese joint-stock commercial banks. The authors employed the system generalized method of moments model and other conventional techniques for panel data analysis. The authors derived key findings: Fourteen components are statistically significant at the 1% level, affecting the capital adequacy ratio. Therefore, it is evident that the equity capital of Vietnamese commercial banks has successfully met the required safety standards for assets with credit risk as per legislation. As a result, this assists Vietnamese commercial banks in managing potential losses from credit activities, thus assuring the security of banking operations and protecting depositors. However, the issue suggests policy implications for enhancing Vietnamese commercial banks' future capital adequacy ratio coefficient.
Applying Structural Equation Modeling for Accessing Mobile Banking Service Quality and Customer Satisfaction: A Case Study in Vietnam Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.137

Abstract

Mobile Banking allows customers to use mobile devices and smartphones to conduct banking transactions anytime, anywhere. On the other hand, Mobile banking is a service product that brings high business efficiency, does not cost much, creates initiative for users, reduces pressure on over-the-counter transactions and has little risk, so developing developing mobile banking services brings great benefits to banks. Therefore, using scientific and technological achievements, particularly information technology, electronics, and telecommunications, has had a significant impact on daily life, the economy, and society, changing people's awareness and production and business methods in a wide range of fields and industries, including financial-banking services. In order to address the aforementioned analytical concerns, the authors performed a survey of 650 individual consumers who use mobile banking services at ten commercial banks in Vietnam. The authors employed structural equation modeling and data processing tools SPSS 20.0, Amos. Customer satisfaction is influenced by five elements, according to the findings: dependability, responsiveness, empathy, competence, and tangibles. The findings of the article had a significant reliability influence on individual customer satisfaction, with a significance level of sig 0.01. Finally, the study uniqueness validates ideas regarding customer satisfaction and service quality drivers, as well as the need of flexibly implementing customer satisfaction research policies.
Applied Regression Modelling to Recommend Green Business Development in Vietnam Nga, Lu Phi; Huy, Nguyen Quoc; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 3: SEPTEMBER 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i3.294

Abstract

The green businesses engaged in environmentally friendly business activities, minimizing negative impacted on the ecosystem and used resources effectively. Green businesses contributed to the country's sustainable development goals and brought practical benefits to the businesses themselves. Therefore, the article aimed to identify the key factors affecting green business development and proposed policy implications for green business development. Based on the study goal, the authors surveyed 400 managers of green enterprises in Vietnam and applied simulation modelling based on the quantitative research method. The findings explored five critical factors affecting green business development: (1) financial incentives, (2) corporate strategy and culture, (3) technological innovation, (4) mechanisms and policies, and (5) regulatory environment. The novelty of this study is that it increased the level of reputation and trust of customers, partners, and the community. Green businesses built a positive brand image to affirm their social responsibility and pioneering role in environmental protection. Green businesses could also attract and retain talent when employees feel proud and attached to the business's mission. A significant benefit of green businesses was their contribution to protecting the living environment for humans and animals. The article’s contributions helped to reduce greenhouse gas emissions, air, water, and soil pollution, reduce waste, and increase energy and resource efficiency. Green business development can also support nature conservation activities, habitat restoration, and biodiversity maintenance. The article's contributions proposed recommendations to management agencies in developing and implementing mechanisms and policies to support and promoted businesses to build in a green direction.
Applying Structural Equation Modelling for Assessing Factors Influencing Innovation Capacity and Business Efficiency Nga, Lu Phi; Huy, Nguyen Quoc; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 3: SEPTEMBER 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i3.295

Abstract

In the context of globalization and competition between businesses in an increasingly fierce international trade environment, participating in production networks and global value chains has become an inevitable requirement for developing each economy, in which business forces play a core and pioneering role. Creativity is critical to achieving significant business success in any business, large or small, in manufacturing, commerce, or service. Implementing innovation and creativity will have a profound and lasting impact on the enterprise's ecosystem. Conversely, companies that fail to innovate risk falling behind and becoming irrelevant in today's rapidly evolving business environment. Therefore, this study aims to analyze the key factors affecting innovation capacity and business efficiency, thereby providing solutions to promote this process. The study applied two methods: qualitative research, conducted through interviews, and focused on ten expert group discussions to adjust the content of observed variables to suit the characteristics of the business. Quantitative research was undertaken in 700 samples of representative managers representing 700 small and medium enterprises to test the model and research hypotheses. The findings show five factors affecting innovation capacity, with a significance of five percent, and innovation capacity affecting business efficiency. This result contributes to academic value and is a reference for research on innovation capacity in Vietnam in the coming years. There are five policy implications and contributions to promoting and building a creative culture in businesses, stimulating creativity and passion. After all, developing an innovative culture in businesses will create the role of individuals and groups with endless intelligence and creative passion for creating unique, different, and valuable products with high added value, significantly contributing to promoting growth in businesses.
Managerial Recommendations for Enhancing Green Consumption Behavior and Sustainable Consumption Nga, Lu Phi; Tam, Phan Thanh
Emerging Science Journal Vol 8, No 6 (2024): December
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2024-08-06-07

Abstract

The green consumerism movement is gaining steam in emerging nations with middle-income or higher populations, such as Vietnam, and is particularly well-liked in affluent countries. In addition, the importance of green consumerism is gaining significant traction, alongside efforts to promote ecologically friendly production and consumption. As the economy progressed, people's living standards improved, leading to a growing need for high-quality, safe products and services. This is particularly true for items that directly serve people and contribute to their everyday lives. Therefore, the article aims to evaluate the factors affecting green consumer behavior and sustainable consumption based on the structural equation model with the least squares method to test their hypotheses. The data were applied in the study through a survey of 360 consumers in 04 big cities in Vietnam. Research results showed that seven factors impact green consumption behavior, including (1) environmental awareness, (2) green product characteristics, (3) green marketing, (4) perceptions about green product prices, (5) social influence, (6) environmental policy, and (7) green consumption policy with significance 0.01. The finding explores green consumption behavior influencing sustainable consumption with a significance of 0.01. The practical implication helps managers, policymakers, and manufacturers consider applications to improve humanity and behavior green consumption in the global context of moving towards sustainable green development. The theory implication is to change behavior to improve greening production, reduce pollution and greenhouse emissions, and move towards sustainable development, bringing many practical economic and social benefits and intangible value for businesses. Simultaneously, the novelty of the study aids enterprises in staying abreast of this trend, enabling them to seize possibilities for fast growth, extend their market presence, and capitalize on governmental backing for businesses. Doi: 10.28991/ESJ-2024-08-06-07 Full Text: PDF
Applied Data Science for Exploring Critical Factors Affecting Systemic Risk of Commercial Banks in Vietnam Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 6, No 3: September 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i3.801

Abstract

The banking system is essential in developing the Vietnamese economy, serving as a capital supply channel for the economy's production, business, and investment activities. In 2024, the banking industry faces many challenges, including global macroeconomic fluctuations, the Russia-Ukraina war, and policy changes. Therefore, the study aims to quantify the impact of these factors on systemic risk using a Structural Equation Modeling (SEM) approach. Furthermore, it seeks to provide empirical evidence and actionable policy recommendations to help mitigate systemic risks, enhance financial stability, and support socio-economic recovery and development. The methodology of this study applied a structural equation model consisting of five factors: (1) Macroeconomic environment, (2) internal factors of commercial banks, (3) legal framework and supervisory authorities, (4) globalization and financial integration, and (5) technology and financial innovation. Data were collected from 450 managers working in the banking sector and processed using Amos software. The study's novelty showed that five critical factors positively impact the systemic risk of commercial banks in Vietnam. In addition, the originality of this research includes introducing technology and financial innovation into the model, a new factor of the banking industry in the digital transformation period of banking. Moreover, the results highlight that robust and timely policy interventions are essential for mitigating systemic vulnerabilities and promoting financial stability. Finally, the practical implications of the article proposed policy recommendations to help managers and policymakers minimize systemic risks due to influences from external-internal factors contributing to socio-economic recovery and development. Finally, managers and policymakers should strengthen regulatory oversight, promote digital risk management, enhance governance practices, and ensure macroeconomic stability to mitigate systemic banking risk.
Mediating Role of Digital Service Adoption in Enhancing Human Resource Management Capacity of SMEs Nga, Lu Phi; Tam, Phan Thanh
Emerging Science Journal Vol. 9 No. 5 (2025): October
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2025-09-05-024

Abstract

In the context of rapid digital transformation, small and medium enterprises (SMEs) increasingly recognize the necessity of adopting digital services to enhance their human resource management (HRM) capabilities. This study aims to investigate the mediating role of digital service adoption in improving HRM capacity among Vietnamese SMEs. The Resource-Based View draws upon the Technology-Organization-Environment framework; the research examines how leadership support, organizational readiness, policy mechanisms, perceived benefits, and organizational culture influence digital service adoption and HRM development. A mixed-method was employed, combining qualitative interviews with 30 digital transformation experts across five major cities in Vietnam and a quantitative survey of 1,000 SME managers from July 2024 to February 2025. Structural equation modeling was utilized to test 11 proposed hypotheses. The results demonstrate that digital service adoption significantly enhances HRM capacity and mediates the relationships between organizational factors and HRM outcomes. Leadership support is the strongest predictor of digital adoption and HRM capacity, followed by perceived benefits and policy mechanisms. These findings emphasize the importance of strategic leadership, organizational preparedness, supportive policies, and a digital-friendly culture in fostering successful digital transformation in HRM. The novelty contributes a novel integrated model bridging digital transformation and HRM theories and offers practical insights for SME managers seeking to strengthen workforce capabilities in emerging economies.
Co-Authors Ha, Doan Thanh Huy, Nguyen Quoc Phan Thanh Tam, Phan Thanh