Thu Dau Mot University Journal of Science


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12 papers


IMPACT OF CREDIT RISK MANAGEMENT ON PROFITABILITY OF COMMERCIAL BANKS: A CASE STUDY IN VIETNAM

Dang Thi My Dung, Zahra Salimi, Tran Hoang Viet Linh, Ninh Mai Phuong, Bui Phuong Anh, Le Buu Thanh Xuan, Vo Dang Uyen Thy
The main purpose of this study is to examine the impact of credit risk management on profitability of commercial banks in Vietnam. While the existing literature emphasizes the necessity for a more in-depth study and additional empirical evidence to elucidate intricate relationships between market dynamics and credit risk, particularly in the context of commercial banks in Southeast Asia, there remains a gap in comprehensive studies, with a specific focus on Vietnam. The secondary data was collected from 20 commercial banks from the country for the period of 11 years, from 2012 to 2022. The study used non-performing loans ratio (NPLR), capital adequacy ratio (CAR) as well as loan-loss provision ratio (LLPR) as proxies of credit risk while the financial performance is measured by return on equity (ROE). Moreover, the bank's characteristics, such as its size (SIZE), the macroeconomic inflation rate (INF), and a dummy variable that looks at how ownership type (OWN) affects the bank's profitability are all applied to quantify the independent variables. The model does not exhibit the multicollinearity issue, according to the mean Variance Inflation Factor (VIF) data. The regression results reveal that SIZE, CAR and INF variables have a significant positive effect on ROE, while the NPLR variable has an opposite significant effect on ROE. Nevertheless, there is no connection between the ROE-measured financial performance of commercial banks and the OWN or LLPR variables. This offers further valuable insights to bankers and policy makers in credit risk management of commercial banks in Vietnam to enhance the stability of the Vietnamese banking system.
Binh Duong Province is one of the leading regions in Vietnam in attracting foreign investment, with thousands of expatriates living and working in the province. The demand for an international education environment (in-country study abroad) among parents and students in the province is increasing. Additionally, the current globalization trend and international integration demand a high-quality workforce with adaptability and international integration skills, requiring educational institutions to innovate to keep up with the rapidly changing society. Given the situation and trends, establishing an international high school under Thu Dau Mot University (TDMU) is necessary to meet the demand for high-quality human resources in Binh Duong Province, serving the economic, social development, and international integration of the province, the Southeast region, and the whole country. Furthermore, the establishment of an international high school by TDMU also contributes to enhancing TDMU’s position, image, and reputation within the national and international education systems. This article analyzes the strengths, weaknesses, challenges, and opportunities of TDMU in establishing an international high school, thereby providing implementation directions in the context of the economic and social situation in Binh Duong Province.
In engineering and science problems, the data being considered are often known in the form of sets of discrete points, not as a continuous function. In applications, the values of the discrete data at specific points may be required to estimate. To solve these problems, a common mathematical approach is to use the interpolation method. In this paper, we use the cubic natural spline interpolation method to build approximate functions for some real data in Vietnam such as data on rice output and rice area of cultivation, data on expenditure and income per capita. The data used in this paper are extracted from the General Statistics Office of Vietnam. We develop some Matlab programs to find the coefficients of splines and calculate the values of the interpolation functions at specific points. Using the obtained interpolation function, some missing values in the data on income and expenditure per capita in the Southeast region of Vietnam in 2019 and 2021 are estimated. Furthermore, some unknown data on rice productivity and cultivation area are obtained in a similar manner. A good agreement between the calculated values and actual values are found.
Binh Duong is a province in the Southeast region. It has a long history of growth and numerous noteworthy historical and cultural values. This paper provides a summary of the cultural and historical significance of Binh Duong Province during the prehistoric, land exploration, and settlement phases. It discusses population, administrative structure, social structure, economic traits (agriculture, handicrafts, commerce), and social culture throughout the various eras (prehistory, settlement phase, Nguyen dynasty). The findings demonstrate that Binh Duong not only has a rich history with numerous economic and cultural assets, but also point to possible research avenues for safeguarding and advancing moral principles in the construction and development of Binh Duong province today and in the future.
The Southeast region, in prehistory and protohistory, established the space of Dong Nai archeological culture. Since the 16th to 17th centuries, the Southeast had been discovered by the Vietnamese people, in which they established sovereignty and administrative structure. Over three centuries of formation and development, the Southeast region has created many changes in geographic names and administrative structures as required by the historical context of each period. This article presents the overview of the administrative restructuring process in the Southeast region in some important historical milestones during the development process hereof. With the presentation of administrative structures in the Southeast region, the article contributes to systemizing the historical periods of formation and development of the region. It also opens further dialogues for the study of historical and cultural characteristics of the Southeast region.
ABSTRACT Sexual harassment in public places is a matter of concern in Vietnam. The purpose of this article is to understand and explain gender differences in perceptions of sexual harassment in public places, which is based on Brooks Gardner's gender interaction perspective. The study used both quantitative analysis based on the Chi-square test procedure and analysis of in-depth interview data coded by NVivo software. Research results showed that there were gender differences in the perceptions of students in the Southeast region in terms of the forms, causes, and consequences of sexual harassment in public places. To improve understanding and reduce gender differences, it is necessary to organize communication activities to raise awareness and skills to prevent this evil in universities. Keywords: Sexual harassment in public places, students, gender difference
The process of industrialization, modernization and the rapid development of industrial revolution 4.0 are creating new development opportunities for the Southeast in general and Binh Duong in particular, but also setting many challenges. In order to take advantage of opportunities and overcome challenges, the role of the contingent of intellectuals in Binh Duong province is huge. Through the assessment of the current status of the development of the intellectual contingent of Binh Duong province, the article proposes basic views and major solutions to continue developing this team in the future to meet the requirements of industrialization and modernization of the country.
English is one of the keys to successful globalization; therefore, every country develops own English teaching policy. Teaching English in Asia is a very common issue ruled and supported by the government. This article is a contrastive study on different English policies in such Southeast and East Asian countries as China, India, Indonesia, Japan, Malaysia, South Korea, Taiwan, and Vietnam. The contrastive analysis focused on such aspects as school year of implementing English as required subject, teaching hours of English, teacher’s training, use of local and foreign teachers, teaching methods and materials, funding, etc. The contrastive study among countries mentioned above evaluated the advantages and disadvantages of certain English teaching policies. The positive results of one country can be borrowed and adapted by another country considering its cultural, political, economic or social features. On the other hand, the failures of one country’s English teaching policy can be considered and avoided by another country’s planning on English teaching policy.
The study reflects generally the process of industrialization and modernization in the Southeast provinces and cities of Vietnam (2010 - 2020) and the results achieved in that process. From that practice, the article has summarized some experiences on industrialization and modernization in the Southeast region, contributing to bringing Vietnam to complete the goal of industrialization and modernization, basically become a modernity-oriented industrial nation.
This paper examines the main challenges of the processes of space and social policy change present to current urbanization trends of Taiwan. The chapter argues that one of the main challenges is economic growth, increasing integration into the global economy and making Taiwan competitive in the global economy. This process leads to the growth of large urban regions that present many challenges to the urban development in the future. In particular, the paper focuses on the most fragile areas of the extended urban spaces are the rural and urban margins, where urban activities are expanding into densely populated agricultural regions. It is argued that in these areas, local policies should be developed that adapt to local ecosystems. The paper presents lessons of interventions in this field for Ho Chi Minh, Dong Nai and Binh Duong Region for urban expansion.
Dipterocarpus dyeri is a typical plant of tropical evergreen moist forest at Southeast Vietnam. These plants have been planted popularly at parks and urban streets for the shade and it has been commonly materials for timber industry. Multiplication of Dipterocarpus dyeri at nurseries could face to some diseases, such as the withered disease cause serial death. Our study isolated three disease fungi strains from the root areas of the diseased Dipterocarpus dyeri planted Ma Da nursery, Dong Nai province. Result of 28s rDNA sequencing showed these fungi belong to Ophiostoma eucalypticagena, Aspergillus nidulans and Collectotrichum gloeosporioides. This result is base for conducting the following studies to control the withered disease on Dipterocarpus dyeri at the nursery.
The Southeast plays a very important role in Vietnam’s economic development. Despite a high concentration of social scientists in the Southeast region, there remains a paradox that the Southeast culture has not been sufficiently researched into. Applying the method of cultural zoning based on the changes of the three dimensions Subject – Space - Time developed by the author, the article concludes that the Southeast is a separate cultural zone besides the Southwest and lists some typical characteristics of the Southeast in terms of cultural elements (focusing on the organizational culture) and the system of cultural personality characteristics of Vietnamese people in the Southeast. An analysis of the Human Development Index (HDI) of the Southeast shows that this development is unbalanced and unsustainable. To achieve balance and sustainability, more investment must be made on the culture and the people; community-village type behaviors should be replaced by community-society type behaviors; and the urban way of living, the urban culture and good urban citizen character should be promoed while limiting the rural/agricultural lifestyle and characteristics.

Publication Information

Publisher

Thu Dau Mot University, Viet Nam

Honorary Editor-in-Chief and Chairman of the Editorial Board

Assoc. Prof. Nguyen Van Hiep

Deputy Editor-in-Chief

PhD. Trần Hạnh Minh Phương
Thu Dau Mot University

Editorial Board

Prof. Tran Van Doan
Fujen University, Taiwan
Prof. Zafar Uddin Ahmed
Vietnam National University Ho Chi Minh City

Prof.Dr. Phillip G.Cerny
The University of Manchester, United Kingdom
Prof. Ngo Van Le
University of Social Sciences and Humanities (VNU-HCM)

Prof. Bui The Cuong
Southern Institute of Social Sciences​​​​​​​
Prof. Le Quang Tri
Can Tho University

Assoc. Prof. Nguyen Van Duc
Animal Husbandry Association of Vietnam
Assoc. Prof. Ted Yuchung Liu
National Pingtung University, Taiwan

PhD. Anita Doraisami
Economics Monash University, Australia
Prof. Dr. Andrew Seddon
Asia Pacific University of Technology & innovation (APU)

Assoc. Prof. Le Tuan Anh
Thu Dau Mot University
Prof. Abtar Darshan Singh
Asia Pacific University, Malaysia

Prof.Dr. Ron W.Edwards
The University of Melbourne, Australia
Assoc. Prof. Hoang Xuan Nien
Thu Dau Mot University

PhD. Nguyen Duc Nghia
Vietnam National University Ho Chi Minh City
PhD. Bao Dat
Monash University (Australia)

PhD. Raqib Chowdhury
Monash University (Australia)
PhD. Nguyen Hoang Tuan
Thu Dau Mot University

PhD. Nguyen Thi Lien Thuong
Thu Dau Mot University

Assistant

Nguyen Thi Man
Thu Dau Mot University