Small and medium enterprises (SMEs) play a very important role in developing countries. In Vietnam, SMEs operating in the field of handicrafts, besides contributing to the economy, also tasked to maintain and develop traditional handicrafts. However, accessing loans from banks of SMEs faces many difficulties. This study explores the determinants of bank lending decision for SMEs, particular, in traditional handicrafts business. Using dataset based on a survey conducted in Binh Duong province, Vietnam, we investigated to what determinant effects for loan approval. The analytical methods used include descriptive statistics for overall assessment, principal component analysis and regression to examine determinants of lending decisions. The results indicate that company’s collateral was the most positive determinant to bank lending decision, follow by company’s business plan. The role of company’s leader is very important for banks considers to approve credit because company’s leaders experience and relationship with stakeholders as well as banks have positive relations with bank’s lending decision. Agreed with previous studies, the company’s financial statement and company’s credit history with banks are also significant determinants for lending decision. Whereas, the business environment seam unaffected lending decision as their relations is not significant..

The purpose of this study was to examine the effect of two-dimensional factor of motivators and hygiene on civil servants’ job satisfaction using the partial least square structural equation modeling (PLS-SEM) as a technique employed to analyze the measurement and structural models. Exploratory study was deployed to evaluate the relationship among variables. By using multistage stratified sampling, statistical data was collected from a survey of 441 public municipal civil servants who have employed in various levels (municipal government, districts and communes) in Vietnam. The findings provided evidence that hygiene factors (relationship with leader, salary, relationship with coworker and working environment) directly impact on civil servants’ job satisfaction. Meanwhile, only career development factor from motivators significantly influenced on public employee’s job satisfaction. Based on the empirical results, the hygiene factors of job satisfaction are more dominated that the motivators one. This finding suggests that municipal governments should focus policies on improving the hygiene factors which lead to higher job satisfaction on civil servants. Gaining a thorough understanding of the determinants of job satisfaction toward municipal public servants will enable policy makers to grasp the factors that results in retaining employees. Finally, the policy makers can use this knowledge to promote civil servants’ job satisfaction.