Số phát hành: Số 14 - Tháng 5 - 2026Tài chính - Ngân hàng - Bảo hiểm
Factors affecting the on-time loan repayment ability of individual customers at Sacombank - Tra Vinh Branch
Xuất bản: tháng 6 28, 2026
doi:10.62831/nckh.2026.133.v1
Tóm tắt
This study examines the factors affecting the on-time loan repayment capacity of individual customers at Saigon Treasure Commercial Joint Stock Bank (Sacombank) - Tra Vinh Branch. Data were collected from 120 individual borrowers through direct surveys and analyzed using descriptive statistics and a binary logistic regression model. The findings indicate that income, education level, and collateral have positive effects on customers’ ability to repay loans on time, whereas loan size has a negative effect. Based on these findings, the study proposes solutions to support Sacombank Tra Vinh in improving credit appraisal, credit management, and risk control, thereby enhancing the efficiency of individual lending operations.
Kohansal, M., & Mansoori, S. (2009). Factors affecting repayment ability of individual borrowers: Evidence from Iran. Journal of Financial Studies, 45(2), 130–145.
2.
Mensah, G. Y. (2012). Determination of some factors that influences loan default payment: Case study: Customers from Akatakyiman Rural Bank Ltd Komenda [Doctoral dissertation].
3.
National Assembly. (2024). Law No. 32/2024/QH15: Law on credit institutions on 18 January 2024.
4.
Nguyen, D. T. (2013). Scientific research methods in business. Finance Publishing House.
5.
Nguyen, T. D. (2023). Factors affecting the loan repayment ability of individual customers at Vietnam Bank for Agriculture and Rural Development – Tra Vinh Branch [Master’s thesis in Finance–Banking, Tra Vinh University].
6.
Nguyen, T. C. (2020). Factors affecting the on-time repayment ability of individual customers at Vietnam Bank for Agriculture and Rural Development (Agribank) - Vung Liem Branch [Master’s thesis in Finance–Banking, Tra Vinh University].
7.
State Bank of Vietnam. (2013). Circular No. 02/2013/TT-NHNN: Regulating liability classification, risk provision methods, and the use of provisions to handle risks in the operations of credit institutions and foreign bank branches. Hanoi.
8.
State Bank of Vietnam. (2021). Circular No. 11/2021/TT-NHNN: Regulating asset classification, provision rates, risk provision methods, and the use of provisions to handle risks in the operations of credit institutions and foreign bank branches. Hanoi.
9.
State Bank of Vietnam. (2023). Circular No. 14/2023/TT-NHNN: Regulating the internal control system of non-bank credit institutions. Hanoi.
10.
Tat, D. T., & Phan, N. B. A. (2023). Factors affecting the on-time repayment ability of individual mortgaged customers at Kien Long Commercial Joint Stock Bank Can Tho Branch. Journal of Science, Tra Vinh University, 13(1).
11.
Wongnaa, C. A., & Awunyo-Vitor, D. (2013). Factors affecting loan repayment performance among yam farmers in the Sene District, Brong Ahafo Region of Ghana. Journal of Agricultural Extension and Rural Development, 5(3), 64–71.
Cùng chuyên mục
Bài viết liên quan
Các bài trong chuyên đề «Tài chính - Ngân hàng - Bảo hiểm».
