The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

Ha, Van Duong

doi:10.5267/j.ac.2019.12.005

Cited by 3 publications

(3 citation statements)

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“…The micro nance services diversity indicated the number of the types of products and services, and others offered product based on the product lines or the types of product including the number and type of offered product, difference in the number, and the type of the offered voluntary non-nance service [5]. The MFIs promoted the diversi cation ofproducts and services in line with the operation trends and associated with the development of modern technology to meet the customer needs, that contribute to expand the scope of outreach of MFIs [6]. The number of micro nance products and services showed the number of product and service groups, the number of products and services in each micro nance product and service group.…”

Section: Theorymentioning

confidence: 99%

The Interaction Relationship Between The Diversification of Health Care Support Activities and The Health Care Services Outreach: Evidence from Microfinance Institutions in Vietnam

2020

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Background: One of the main ways to strengthen the health-system capacity by the intersectoral approaches is to promote social health by linking microfinance with healthcare support activities. The aim of the study was to discover the interaction relationship between the diversification of health care support activities and the health care services outreach of formal microfinance institutions (MFIs) in Vietnam. This study proposes policy measures that could be implemented by the policy makers, managers of MFIs to diversify the health care support activities and to promote the health care services outreach.Methods: This study used the panel data regression method from 2010 to 2019 of all formal MFIs in Vietnam, the study found out the interaction relationship between the diversification of health care support activities and the health care services outreach of formal MFIs in Vietnam.Results: The results showed that number of branches and the health care services outreach had positive relationships with the diversification of health care support activities; productivity had a negative impact on the diversification of health care support activities. The diversification of health care support activities, and productivity had positive relationships with the health care services outreach; number of branches had a negative impact on the health care services outreach. At the same time, this study found bidirectional interactions and the causal relationship between the diversification of health care support activities and the health care services outreach of formal MFIs in Vietnam.Conclusions: This study found bidirectional interactions and the causal relationship between the diversification of health care support activities and the health care services outreach. The study results encourage and provide opportunities to diversify the health care support activities and to promote the health care services outreach of formal MFIs in Vietnam.

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Section: Theorymentioning

confidence: 99%

The Interaction Relationship Between The Diversification of Health Care Support Activities and The Health Care Services Outreach: Evidence from Microfinance Institutions in Vietnam

2020

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“…Interest rates and liquidity are some of the major determinants of commercial banks' performance (Tuna & Almahadin, 2021). (CBN, 2017;2019). This deposit and lending rates instability connotes a corresponding instability of the performance of commercial banks; and the difference between the lending rate charged against borrowers and the deposit rate paid to depositors represents the net interest income (NIM) of the banks.…”

Section: Introductionmentioning

confidence: 99%

“…The CBN sets the LDR band at 30% in 2018, which was maintained in 2019. It was however raised to 35% in 2020 (CBN, 2018;2019;. The reason behind enforcing the LDR is to encourage bank lending to the real sector of the economy.…”

Section: Introductionmentioning

confidence: 99%

Moderating Effect of Bank Size on the Relationship Between Interest Rate, Liquidity, and Profitability of Commercial Banks in Nigeria

Hassan,

Sabo,

Tijjani

et al. 2023

gujaf

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The recurring instability of commercial banks’ performance in Nigeria have triggered stakeholders to deploy efforts toward providing solutions where the desired result is yet to be achieved. Consequently, this study examined the moderating effect of bank size on the relationship between interest rate, liquidity, and performance of the banks in Nigeria. An ex-post-facto research design was adopted, where the bank-specific data were sourced from the published annual financial statements of 12 commercial banks listed on the Nigerian Stock Exchange and the macroeconomic data were extracted from the WDI database for a ten-firm-year period from 2011 to 2020. The analysis was done using the panel regression technique with the support of Stata software version 14.2. Findings on the direct effects showed a significant and negative relationship between deposit rate and performance, and both the lending rate and loan-to-deposit ratio have positive and significant relationships with performance. Meanwhile, the intervention effects showed that the bank size has positively moderated the relationship between deposit rate and performance; whereas bank size has negatively moderated the relationship between loan-to-deposit ratio and performance. Therefore, the study recommended that banks should grow their assets to enable them to achieve economies of scale and cost efficiency.

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The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

Ha¹

2020

10.5267/j.ac

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This study purposes to discover the interactive relationship between credit growth and profitability and to examine factors that affect the credit growth and profitability of people's credit funds (PCFs). After regression analysis on a set of panel data from 2013 to 2018 on 24 selected PCFs, it appeared that deposit growth and loan-to-deposit ratio had positive relationships with credit growth, and capital adequacy ratio and profitability had negative relationships with credit growth of PCFs. The age of PCFs has a positive relationship with profitability, while the credit growth, debt-to-equity ratio, non-performing loan ratio, economic growth and inflation have negative relationships with profitability of PCFs. The study found the credit growth and profitability have relationships with each other in a contrary trend. Based on the findings the study proposes policy measures that could be implemented by the managers to increase PCFs' credit growth rate and profitability.

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The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

Cited by 3 publications

References 10 publications

The Interaction Relationship Between The Diversification of Health Care Support Activities and The Health Care Services Outreach: Evidence from Microfinance Institutions in Vietnam

The Interaction Relationship Between The Diversification of Health Care Support Activities and The Health Care Services Outreach: Evidence from Microfinance Institutions in Vietnam

Moderating Effect of Bank Size on the Relationship Between Interest Rate, Liquidity, and Profitability of Commercial Banks in Nigeria

The interactive relationship between credit growth and profitability of people's credit funds in Vietnam

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