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All Journal Jurnal Administrasi Bisnis Emerging Science Journal
Van Kien Pham
Department of Business Administration, Asia University, Taichung 41354,Taiwan
Economics, Econometrics & Finance Environmental Science

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Consumer Behavior, Attitude and Perception Toward Modern Trade Stores in Rural Vietnam Moslehpour, Massoud; Pham, Van Kien
Jurnal Administrasi Bisnis Vol 9, No 1 (2013)
Publisher : Business Administration Study Program - Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1032.247 KB)

Abstract

Modern trade stores have been very successful in Vietnamese retail industry, espe-cially in some big cities. However, the popularity of such stores is still lagging behindthe traditional stores. In regard with this issue, many studies have been done overtime, but very few have been focused on rural regions in emerging countries likeVietnam. Thus, this study aims at exploring the reasons why Vietnamese consumersin the remote area prefer to shop at traditional stores instead of modern stores. Fur-thermore, this study attempts to fill the gap between these two types of formats. Theresearch uses quantitative method with the aid of SPSS software to analyze the data.The results show that consumers in the remote areas are still not willing to quit theirtraditional shopping habits for a new choice of store based on the current situation.Therefore, it is not the right time for investors to expand their modern business intothe country’s rural areas.Keywords: Modern Trade Store, Traditional Store, Rural Vietnam, Retail Industry,Consumer Behavior, Store Attributes.
Regulatory Thresholds as Disciplinary Signals: Evidence from Bank Nonperforming Loan Supervision Phung, Thi Lan Nhi; Le, Chi Dat; Pham, Van Kien
Emerging Science Journal Vol. 10 No. 1 (2026): February
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2026-010-01-07

Abstract

Persistent high levels of nonperforming loans (NPLs) remain a key threat to banking stability, yet limited evidence exists on how regulatory thresholds influence bank discipline and risk behavior. This study investigates whether supervisory NPL ceilings serve as effective disciplinary mechanisms that balance profitability and credit risk in commercial banking systems. Using a balanced panel dataset from multiple emerging-market banks between 2013 and 2023, we employ Hansen’s (1999) panel threshold regression to identify critical points at which bank behavior changes significantly. The findings indicate that when NPL ratios exceed an optimal threshold, banks exhibit heightened self-discipline by tightening credit growth and accepting lower short-term returns, demonstrating a strong regulatory disciplining effect rather than moral hazard. Conversely, when NPLs remain below the threshold, the traditional risk–return trade-off weakens, suggesting stability and prudence. The results highlight the importance of threshold-based supervision as a prudential instrument that enhances banking stability through behavioral signaling. The study contributes to signaling theory by conceptualizing regulatory thresholds as negative signals that trigger pre-emptive risk management and to policy design by offering empirical insights into optimizing supervisory frameworks.
Co-Authors Le, Chi Dat Massoud Moslehpour Phung, Thi Lan Nhi