The study aims to evaluate the factors affecting the intention to use digital banking in Vietnam. Multivariate data analysis techniques (Cronbach’s Alpha test, Confirmatory Factor Analysis, Structure equation model) are used for the survey data collected from 201 customers who have access to digital banking. The analysis results show that: (1) attitude towards the service, perceived usefulness has a positive impacts on the intention to use; (2) convenience does not affect the intention to use digital banking services; (3) perceived usefulness factor has a positive effect on the attitude towards the service; (4) The perceived risk has a negative impact on attitude towards the service; (5) trust has no effect on the attitude towards the service; (6) ease of use has a positive impact on perceived usefulness; (7) trust has a positive effect on perceived risk. From the results of this study, perceived usefulness has a positive effect on attitude and intention to use the service. Therefore, it is necessary to enhance the sense of the usefulness of customers through media advertising and consulting so that customers fully understand the benefits brought about by using digital banking services. Perceived risk has a negative impact on attitude towards the service.

The study aims to provide some plausible explanation for why Vietnamese listed companies only stop at the level of truthful presentation of information related to accounting data through the opinion of independent auditors. The information is only at the level of compliance with the requirements of Circular 155/2015/TT-BTC in form, but in essence is sketchy. What factors affect the level of voluntary disclosure of listed companies in Vietnam? In order to identify the factors affecting voluntary information disclosure on annual reports of listed companies, the study collected data on annual reports of 122 companies listed on the stock market in Ho Chi Minh City in the period 2015-2018 and uses regression analysis methods. The research presents 8 factors affecting the level of voluntary information disclosure including: Firm size, Listed time, Profitability, Solvency, Separation of board of directors and executive director, Board size, Organizational ownership and Foreign ownership. Next, the study conducted descriptive statistical analysis correlation coefficient analysis to examine the correlation and relevance of independent variables measured by the scale ratio, testing multiple linear regression model. The results of the study show that factors listed time, profitability and organizational ownership affecting voluntary information disclosure on annual reports of listed companies in Vietnam.

This paper studies the factors affecting university and industry collaboration in education in the hospitality industry in Ho Chi Minh City (Vietnam) from a company perspective. The authors use qualitative method and quantitative research to study the matters, specifically using scales and data collected for Cronbach alpha reliability testing, analysizing the discovery factor of EFA, CFA and verifying the regression models through AMOS software with SEM linear modeling. The study proposes four factors: (1) organization factors, (2) contextual factors, (3) process factors, and (4) cooperation perspective impacting on the benefits factors and university and industry collaboration in education. In addition, it is also found that benefits factors has a direct and positive impact on the collaboration in education. The results suggest that the process factor had the strongest positive, followed by the contextual factor. The findings revealed that the benefit factors were significantly related to collaboration in education, which affects university and industry hospitality alliances. This finding confirm that the cooperation perspective (QD) and contextual factors (HC) are critical in collaboration between university and industry. A new point of interest is also identified that the benefits of training links are quite dependent on the linking perspective from tourism businesses.

The study aims to identify the factors affecting employee loyalty in the case of small and medium enterprises (SMEs) in Tra Vinh province, Viet Nam and to find out critical factors affecting the loyalty of employees in SMEs. This is implemented with the method of collecting primary data of 320 employees working at SMEs in 5 districts including: Cau Ngang, Tra Cu, Chau Thanh, Cang Long, Tieu Can) and Tra Vinh City, Viet Nam. Using the multivariate regression method, the researchers have found 6 factors affecting employee loyalty: colleagues, leaders, job characteristics, remuneration policies, organizational culture, and working environment. Particularly, learning opportunities may not be not statistically significant for employees' loyalty towards small and medium-sized enterprises in Tra Vinh province. From the above research results, the authors have proposed implicational piolicies such as: focusing on colleague relationships, improving leadership of business owners, attaching importance to appropriate work arrangement, having appropriate remuneration policies for laborers, building effective organizational culture and working environment to improve employee loyalty at SMEs. From the above policy implications, helping business owners realize the aspirations of workers in small and medium-sized enterprises more closely in the future, in order to sustainably develop the business system in Vietnam.

The study examines the impact of financial risk, convenience risk, non-delivery risk; return policy risk and product risk on online consumer behavior of Malaysian consumers. The research employed a self-administered survey to collect empirical data from 245 Malaysian online shoppers by using convenience sampling. Cronbach alpha was calculated to confirm the reliability of the data and then normality was assessed. Confirmatory Factor Analysis was then conducted to test the model using the goodness-of-fit tests. And finally, structural equation modeling is used to test the hypotheses and draw conclusions. IBM SPSS AMOS version 22.0 was utilized for data analysis. The research indicates that product risk, convenience risk, and return policy risk have a significant and positive impact on online shopping behavior. Financial risk is found to have insignificant and negative effects on consumer behavior. In addition, the non-delivery risk is found to have a significant and negative impact on online shopping behavior. The findings provide a useful model for measuring and managing perceived risk in online shopping which may result in an increase in participation of Malaysian consumers and reduce their cognitive deficiencies in the e-commerce environment. Several managerial implications are discussed along with the scope for future research.

The objectives of this study are to propose the Integrated Waqf Environmental Protection Model (IWEP) and investigate the farmers’ intention to adopt it. In developing the IWEP model and investigating farmers’ willingness to adopt it, this study surveyed 400 farmers in Kedah. The intention of the farmers to adopt the proposed model was analysed by adding perceived barriers and socioeconomic variables into the theory of reasoned action (TRA) model. The collected data were processed using structural equation modelling (SEM). The SEM results show that the subjective norm is positive and has a significant impact on the intentions of lowincome farmers to accept the IWEP model. This indicates that the decision of the low-income farmers to accept the IWEP model is significantly influenced by their family members, neighbours and friends. Furthermore, awareness and perceived barriers have a greater impact on the elderly, highly educated and wealthy farmers. The findings indicate that the elderly, highly educated and wealthy farmers are aware of climate change and they perceive higher risks or barriers to climate change. As a result, they are more likely to have an adaptation intention. If we encourage people to create waqf fund, we can increase the value of the farmer and the country’s total GDP.

As the proportion of foreigners participating in the domestic labor market is gradually increasing, problems caused by social and cultural differences have also been expressed. As such, the purpose of this study was to analyze the effects of organizational justice and social support on psychological and cultural adaptation and its effect on turnover intention. Research design, data and methodology: The data was collected for foreign workers who visited the Foreign Workers Support Center operated by the Korea Human Resources Development Service. A total of 224 data were analyzed from March 1 to March 30, 2019 and was analyzed through frequency analysis for basic work environment of foreign workers, factor analysis for reliability and validity of variables, and overall structural model analysis. Results: Organizational fairness did not appear to affect psychological adaptation and significant cultural adaptation but social support had a significant effect. Psychological adjustment did not affect turnover intention, and cultural adaptation had a significant effect on turnover intention. Conclusions: Thus, in order to reduce the intention of turnover and adapt well to the working environment, it would be more efficient to find ways to raise the level of psychological adaptation by strengthening social support rather than organizational fairness.

The paper aims to examine the factors affecting brand and student decision in buying fresh milk. Combining qualitative and quantitative research methods, this study used self-completed questionnaires to investigate 520 students in Ho Chi Minh City. The results of the study show that that there are five key determinants affecting the dairy brand and student decision in buying fresh milk, including: (1) product quality, (2) fair price, (3) product promotion and customer services, (4) product convenience, and (5) reference group’s attitude to the brand. In addition, it is also found that product brand has a direct and positive impact on the student decision. The finding in this study is quite different from other existing literatures in terms of the importance level of the determinants of the student decision in buying fresh milk; specifically, in deciding to buy their fresh milk, students are often interested in the promotion and customer service, the product convenience, and the reference group for the purchase, more than in the quality and price of the product. From these findings, some managerial implications are proposed for policy-makers and relevant enterprises to have appropriate policies and strategies for their business development.

Purpose – This study aims to explore women's beauty industry market and growth development by identifying the main factors of women's perception of skin health care. Research design, data, and methodology – The survey was conducted on women aged 20 to 60 living in Seoul. For the statistical analysis, frequency analysis, t-test and one-way ANOVA were conducted, and significant differences in p<0.05 were tested through the multiple range test of the Scheffe. The factor analysis was conducted to verify the validity of questions, and the reliability was determined by the coefficient of Cronbach's α. Results – The lower the age, the higher the perception of the skin, and women pay a higher price for skin health as a provisional customer. 'Acne care' was the most common skin condition (32.8%), 'life style' (79.8%) was the most important part of skin care. Final education was the highest level of skin care for women with a professional background (M=3.41) (F=4.028, p<.05). Conclusions – The differences in the recognition of health knowledge by age, marital status, and household monthly income were significant, but there was no difference between jobs and final education. Customers who use less skin care than customers who frequently use the skin care center were more aware of skin health, and women who have a high awareness of skin are more interested in aging and regenerating due to the skin care.

현재 항만물류보안과 관련한 노력이 활발하게 일어나고 있지만 항만정보기술과 관련된 보안에 대해서는 인식과 교육, 제도 등이 부족한 상황이다. 상호인증 협약 수립을 통해 항만물류보안 정보를 실시간으로 교환 할 수 있는 통합 네트워크를 구축할 필요성이 있다. 항만 경쟁력 확보 및 물류 서비스 강화를 목적으로 물류보안을 위한 국가 전략수립이 중요하다. 무엇보다 시급히 필요한 것은 항만물류조직구성원들의 보안의식을 높이고 항만물류조직의 중요한 특성인 정보 보안 능력을 향상시키는 것이다. 따라서 본 연구는 항만물류조직구성원들의 정 보보안능력에 영향을 미치는 요인을 분석하였다. 분석결과 보안규범이 보안인식에 영향을 미친다는 가설은 기각되었지만 보안활동과 보안인식 간의 관련성은 유의한 것으로 나타났다. 또한 보안규범과 보안능력 간의 관계, 보안인식과 보안능력 간의 관계에도 긍정적인 영향을 미치 는 결과로 나타났다.

최근 프리캐스트 PSC 거더 형식의 교량이 널리 시공되고 있으며, 거더의 경간과 운송제한을 극복하기 위하여 분절거더의 시공이 증가하고 있다. 분절 공법을 적용한 세그먼트 간의 접합면에는 불연속면이 존재할 수 있으므로 교량의 건전성에 있어 접합부의 일체거동이 매우 중요하다. 분절 접합부는 접합부의 형태, 전단키 유무, 구속력의 크기에 따라 거동차이를 보이기 때문에 이러한 영향인자를 변수로 한 접합부 거동 연구가 필요하다. 본 연구에서는 프리캐스트 PSC 거더교의 접합부 거동을 평가하기 위하여 전단키의 형상, 구속력 도입여부를 변수로 한 전단키 유한요소해석과 축소모형시험을 실시하고, 그 결과를 비교하여 전단키와 구속력 효과를 평가하였으며, 접합부에 1/2~1/3의 돌출높이비를 갖는 전단키를 설치하고 콘크리트 강도의 1/2 수준의 구속력을 도입하는 것이 분절 접합부 거동향상에 효과적이라는 것을 확인하였다. 또한, 분절 공법으로 시공된 실제 프리캐스트 PSC 거더 교량의 재하시험을 실시하고 접합부 세그먼트 간의 처짐차이를 측정하여 분절부 거동을 평가하는 방법을 제안하였다.

Purpose - Present study aimed at investigating the factors that may affect consumers' decision confidence and decision comfort inducing choice commitment taken place at the stage of post-decision/pre-outcome. This study explored whether there are positive effects of dominance and instrumentality of chosen product on the decision confidence, and also identified whether there are positive effects of choice easiness and goal achievement-related affect felt at the chosen product on the decision comfort. Research design, data, and methodology – Portable digital camera as experimental product was used. 260 data were collected from college students. Four were removed from the analyses because they did not complete the questionnaire. Eighteen were removed because they indicated not experiencing the camera in the past. 238 data were used at the analyses to verify hypotheses by structural equation model in AMOS 21.0. Results - First, both of the consumers' decision confidence and decision comfort positively affected choice commitment. Second, the dominance as well as the instrumentality had positive impact upon the decision confidence. Third, the choice easiness and goal achievement-related affect felt at the chosen product had positive impact on the decision comfort. In sum, present study identified the mediation roles of the decision confidence in the effects of both dominance and instrumentality of the chosen product on forming choice commitment, and also found the mediation roles of the decision comfort in the effects of choice easiness and goal achievement-related affect felt at the product on forming choice commitment. Conclusions - Focusing on the stage of post-decision/pre-outcome in decision making process, present study contributes to advancing the choice commitment theories by exploring the positive effects of both dominance and instrumentality of chosen product on the decision confidence, and by finding the positive effects of both choice easiness and goal achievement-related affect felt at the chosen product on the decision comfort. Marketers should promote their products’ dominance and instrumentality by showing the superior roles of their product attributes in achieving consumption goal, and should help consumers feel comfort by making choice process easier and giving information that could help feel the goal achievement-related affect at their product chosen.

The current higher education in Vietnam demonstrates the intense competition among local universities. Undoubtedly, the issue of enhancing the brand value to attract students is now placed at the top to Vietnamese universities. The research aims to identify the objective and subjective factors affecting the brand value of private universities in Ho Chi Minh City, Vietnam as mediated by students’ perceptions. This paper employs the mixed research methods and data were then analyzed by measuring Cronbach's Alpha coefficient for reliability, analyzing EFA, and using PATH model to test the experiment on the research model affecting HUTECH’s brand value. Probability sampling used is Stratified sampling and 500 students of 8 faculties of HUTECH surveyed by convenience sampling. Additionally, this paper also proposes some managerial implications on enhancing the brand value of private universities in Ho Chi Minh City. The results indicate that the new factor, namely geographic location is the most influential factor to enhance the brand value of private universities in general and HUTECH in particular. Brand still plays a determinant role in students' trust when choosing a university. Finally, some implications proposed to enhance the brand value of private universities in Ho Chi Minh City in the context of fierce competition in attracting students.

The study investigates the factors that affect Kyrgyzstan’s bilateral trade flows with its main trading partners and attempts to predict trade potential for Kyrgyzstan. Using panel data, the gravity model is applied to estimate Kyrgyzstan’s trade from 2000 to 2016 for its 35 main trading partners. The coefficients derived from the gravity-model estimation are then used to predict trade potential for Kyrgyzstan. Results proved to be successful and explained 63% of the fluctuations in Kyrgyzstan’s trade. According to the results, Kyrgyzstan’s and its partners’ GDP have a positive effect on trade, while distance and partners’ population prove to have a negative effect. Predicted trade potential reveals that neighboring countries (China, Kazakhstan, Uzbekistan, and Tajikistan) and Russia still have a significant trade potential. Kyrgyzstan, being a less developed economy, even by Central Asia standards, can only achieve its goals of reducing poverty and becoming more developed by increasing its overall trade with the rest of the world. Therefore, it is essential to study the main determinants of Kyrgyzstan’s bilateral trade. In this way, we can help policy makers formulate policies to expand Kyrgyzstan’s trade. This study is the first attempt to apply to the gravity model to Kyrgyzstan in an attempt to predict trade potential.

In recent decades, financial crises in various countries have often been preceded by the rise in non-performing loans (NPLs) in the banks’ asset portfolios. The increase in NPLs is proven to have adverse impact on the banking sector so that understanding the determinant of NPLs is immensely crucial to ensure the efficiency and soundness of the overall economy. This study aims to shed light on bank-specific factors that affect loan default problems in developing countries whose banking sectors play a major role in the overall economy. This study analyzes panel data sets of 36 commercial banks listed in the Indonesian Stock Exchange during the period 2008–2015. Applying fixedeffects panel regression model reveals that Indonesian banks’ profitability and credit growth negatively influence the number of NPLs. Moreover, banks with higher profitability are proven to have lower NPLs because they can afford adequate credit management practices. Likewise, banks with higher credit growth evidently have lower NPLs in the sense that they demonstrate more specialized lending activity and thus have better credit management systems. These findings imply that, in order to lower loan defaults that can deteriorate banks’ asset quality, banks should maintain their level of profitability and increase, rather than decrease, their credit supply to debtors.

The paper examines critical factors affecting consumer behavioral intentions in accepting online health communication through social networking sites. Unlike recent research under this topic, the paper assimilates some components of service quality dimensions and consumer behavior theories. The paper employs factor analysis and structural equation modelling analysis with latent variables to identify critical factors from the survey data collected from Korean consumers. The results of the study identifies three major constructs: consumer needs for health information, the perceived value of tangible attributes of health information providers, and the perceived value of intangible attributes of health information providers. The results show that consumer needs for health information and the tangible and intangible attributes of health information providers should be considered as important antecedents of accepting online health communication through social networking sites. The findings suggest that the success of online health communication via social networking sites largely depends on the tangible and intangible attributes of health information providers.

일반적으로 유방암 발생에 영향을 미치는 요소는 여러 연구가 진행되었으나 위험인자에 관한 체계적인 조사는 드물다. 따라서 본 연구에서는 유방초음파 검사 전 실시하는 건강문진표 작성내용과 실제 초음파 검사에서 유방암 판정을 받은 환자를 바탕으로 관련인자를 파악하고자 하였다. 유방초음파를 실시한 417명 을 대상으로 자기기입식 문진표를 작성하였고 양성, 악성으로 분류하여 후향적 연구를 시행하였다. 유방암 발생 관련인자로 나이, 체질량지수, 투약 종류에서 관련성을 보였으며(p<0.05), 다변량분석 결과 교차비(Od ds ratio)는 나이에서 50대 이하를 기준으로 50대에서 4.93배, 체질량지수 정상군보다 비만군에서 2.43배 증 가하였고 타목시펜과 여성호르몬제 투약 시에는 0.14배, 0.16배 감소하였다(p<0.05). 따라서 나이가 증가함 에 따라 정기적인 검사를 실시하고 적절한 체중관리가 필요하다. 따라서 본 연구는 유방암 발생에 영향을 미치는 위험인자 규명의 기초자료로 제공될 것으로 기대한다.

Elemental mercury has a very high volatility allowing easy dissipation from water or soil into air. To better understand how the kinetics of diffusion of elemental mercury through a medium, which is soil in this study, a mercury diffusion column experiment was done. The correlation between temperature and equilibrium concentrations of mercury in standardized soil samples and a pure mercury standard were determined. Total mercury concentrations were analysed using CVAFS. The effect of time and soil depth to the kinetics of mercury diffusion were determined. Differences in mercury concentrations at different sampling probes were observed during the first few gas phase analyses. Equilibrium was reached through the column after 72 hours.

In this study, we investigated the relationship between noise reduction and the community structure of nine groups of typical plant communities as well as the reduction in noise at different frequencies. The semantic differential method was adopted to explore the perception of noise reduction. The results indicated that there was a significantly positive correlation between noise reduction and coverage , a significantly negative correlation between noise reduction and bifurcate height, and a negative correlation between noise reduction and bare rate. However, there was no significant correlation between noise reduction and height, diameter at breast height, or crown width. The reduction of middle-frequency noise was better than that of low- and high-frequency noise. The indicators "quiet" and "calm" showed that plant communities could reduce the noise perceived by humans. However, overly dense woodland caused nervousness, fear, depression, and other negative effects. Relatively open environments and those with large forest gaps obtained the highest evaluation.

An insulating brick was developed and evaluated as a potential recycling Waste Limestone (WL) with Melting Slag (MS). We aimed at analyzing the parameters affecting the insulating brick manufacture to enhance the recyclability of WL. In this study, The thermal conductivity, compressive strength and apparent porosity of prepared brick were measured with the addition of aluminum dross and the molar ratio of the alkali activator. The thermal conductivity, compressive strength and apparent porosity were 0.28 W/mK, 2.41 MPa and 44.72% respectively at a mixing ratio of 9.5 : 0.5wt%, 1.5 M SiO2/Na2O, 3wt% aluminum dross. Thus, it met the standards of insulating fire bricks (KS L 3301).