Our study shows that BIDV, who became Best retail bank in Vietnam in recent years, has made very positive contributions to the overall achievements of the banking industry, need to clearly define the customers they want to focus on so that they can offer specific products that suit the needs of customers. Determining the right target audience also helps banks in conducting accurate pricing of products corresponding to the market segments they are brought to users, as well as distribution channels, distribute products and forms of marketing advertising to achieve the highest efficiency. We also suggest that BIDV bank focuses more on marketing 4P and 7P strategy in new context.
Last but not the least, By data collection method through statistics, analysis, synthesis, comparison, quantitative analysis to generate qualitative comments and discussion; using econometric method to perform regression equation and evaluate quantitative results, the article analyzed and evaluated the impacts of many macroeconomic factors on BIDV stock price and we would suggest the government, Ministry of Finance and State Bank of Vietnam consider to control inflation more rationally. And increasing cost and Rf little bit to increase stock price as well.
The document discusses marketing strategies for banks in India. It finds that private sector banks and foreign banks have grown faster than public sector banks on key performance metrics like deposits, advances, interest income, and profits since banking reforms in 1993. This is because private and foreign banks have adopted better marketing strategies using new technologies. The document suggests some strategies for public sector banks to enhance their marketing, such as emphasizing term deposits, developing attractive product schemes, effective branding, offering women-focused products, and improving customer awareness. Only banks that adopt effective customer-centric strategies will survive in the long run.
The document discusses marketing strategies for banks in India. It begins by defining bank marketing and noting that private sector and foreign banks have grown faster than public sector banks on key performance metrics like deposits, advances, interest income, and profits. It then discusses the various products and services offered by banks, the marketing approaches used, and challenges faced in bank marketing. Finally, it suggests strategies for public sector banks to enhance their marketing, such as emphasizing term deposits, developing attractive products, effective branding, increasing awareness among customers like women, and educating customers.
This document summarizes marketing strategies for effective banking. It discusses how customer satisfaction is key for banks and marketing helps attract customers. The four aspects of the marketing mix - product, price, place, and promotion - are important for banks. Segmentation of customers and developing tailored products and programs for each segment is discussed. Relationship management is also covered as a strategy to learn about customer behavior and create long-term relationships. The advantages of marketing for banks include increased deposits, variety of services, and competitive positioning. Overall, the document emphasizes that marketing is essential for banks to understand customer needs, attract new customers, and maintain relationships with existing customers in today's competitive environment.
7Ps’ of Service marketing-Major Research ProjectKULDEEP MATHUR
This document is a research project submitted by Kuldeep Mathur to fulfill requirements for a Master of Business Administration degree from Jiwaji University in Gwalior, India. The project examines the relationship between the 7Ps of the services marketing mix (product, price, place, promotion, people, physical evidence, and process) and customer outcomes in the banking sector in India. The introduction provides background on changes in the Indian banking industry and importance of an effective services marketing mix. The literature review explores previous research on customers, the 7Ps framework, and need to examine the 7Ps strategy in the Indian banking context. The study aims to determine the most important 7Ps factors for creating an appropriate marketing mix strategy from the Indian customer
Over years, Hoi An Tourism Holding Company (HOT) is not only contributes to solving local labor, contributes to the state budget, but also actively takes care of social security issues. Marketing strategy for HOT can include: Creating a package product and creating a package travel program is one important stage in the operation of companies operating in the field of tourism industry today.
Fluctuation of stock price in tourism firms in developing countries such as Vietnam will reflect the business health of tourism system. The article analyzed and evaluated the impacts of multi macroeconomic factors on stock price of a tourism company, Hoi An tourism holding co. (HOT) in Vietnam in the period of 2014-2019, both positive and negative sides. The results of quantitative research, in a quantitative model, show that Sate Bank of Vietnam (SBV) and government agencies need to control inflation and GDP, not increasing too much inflation to favor of stock price.
A Study on Customer Relationship Marketing in Banking Sectorpaperpublications3
Abstract: Modern Marketing Philosophy advocates the concept of customer relationship marketing that creates customer delight. In the banking field a unique relationship exists between the customers and the bank. Due to various reasons like financial burdens, risk of failure, marketing inertia etc., many banks are still following the traditional ways of marketing and only few banks are making attempts to adapt customer relationship marketing. The role of custom er relationship marketing is very vital in leading the banks towards high level and volume of profits. So there is a need to study the role of customer relationship marketing in development and promotion of banking sector through the side-lines of the practices, problems and impact of CRM on banking sector all the time.
This document provides an introduction to a study on customer service in the banking industry. It discusses the important role of banks in economic development and how customer satisfaction is critical to a bank's success. The objectives of the study are to understand customer perceptions of service quality, the types of banking services used, and customer satisfaction with services of ICICI Bank in Coimbatore City. The study uses surveys and statistical analysis to evaluate customer opinions and identify relationships between demographic factors and banking preferences and behaviors.
Hyundai leads the automobile industry and has made very positive contributions to the overall achievements of economic and social values. Kang et al (2014) pointed In constructing global marketing strategy, Hyundai Motor’s vision is "Lifetime partner in mobility and beyond" and its goal is global top 3 brand by year 2015 through modern premium brand image and selling 5 million vehicles. The target brand positioning of Hyundai Motor is the leading position in premium dimension and stylish/modern dimension. The global brand strategy framework is based on the brand direction of "Modern Premium" and is designed to deliver core brand identity (i.e., Simple, Creative, Caring) to customers.
Its marketing strategy shows us: - Hyundai's product strategy is to standardize technical standards with the ambition of being a global product, ensuring the best quality, aiming at the recognition of the value of the customer's product, satisfying the customer's needs. On the other hand, Sale activities is placed at showrooms, though sale agents, and sale person team.
Beside, according to the results of quantitative research, in a multi-factor model, we would suggest the government, Ministry of Finance and State Bank: control inflation properly, and firm management control cost properly (as reduction in cost and CPI will cause net profit to increase).
The document discusses marketing strategies for banks in India. It finds that private sector banks and foreign banks have grown faster than public sector banks on key performance metrics like deposits, advances, interest income, and profits since banking reforms in 1993. This is because private and foreign banks have adopted better marketing strategies using new technologies. The document suggests some strategies for public sector banks to enhance their marketing, such as emphasizing term deposits, developing attractive product schemes, effective branding, offering women-focused products, and improving customer awareness. Only banks that adopt effective customer-centric strategies will survive in the long run.
The document discusses marketing strategies for banks in India. It begins by defining bank marketing and noting that private sector and foreign banks have grown faster than public sector banks on key performance metrics like deposits, advances, interest income, and profits. It then discusses the various products and services offered by banks, the marketing approaches used, and challenges faced in bank marketing. Finally, it suggests strategies for public sector banks to enhance their marketing, such as emphasizing term deposits, developing attractive products, effective branding, increasing awareness among customers like women, and educating customers.
This document summarizes marketing strategies for effective banking. It discusses how customer satisfaction is key for banks and marketing helps attract customers. The four aspects of the marketing mix - product, price, place, and promotion - are important for banks. Segmentation of customers and developing tailored products and programs for each segment is discussed. Relationship management is also covered as a strategy to learn about customer behavior and create long-term relationships. The advantages of marketing for banks include increased deposits, variety of services, and competitive positioning. Overall, the document emphasizes that marketing is essential for banks to understand customer needs, attract new customers, and maintain relationships with existing customers in today's competitive environment.
7Ps’ of Service marketing-Major Research ProjectKULDEEP MATHUR
This document is a research project submitted by Kuldeep Mathur to fulfill requirements for a Master of Business Administration degree from Jiwaji University in Gwalior, India. The project examines the relationship between the 7Ps of the services marketing mix (product, price, place, promotion, people, physical evidence, and process) and customer outcomes in the banking sector in India. The introduction provides background on changes in the Indian banking industry and importance of an effective services marketing mix. The literature review explores previous research on customers, the 7Ps framework, and need to examine the 7Ps strategy in the Indian banking context. The study aims to determine the most important 7Ps factors for creating an appropriate marketing mix strategy from the Indian customer
Over years, Hoi An Tourism Holding Company (HOT) is not only contributes to solving local labor, contributes to the state budget, but also actively takes care of social security issues. Marketing strategy for HOT can include: Creating a package product and creating a package travel program is one important stage in the operation of companies operating in the field of tourism industry today.
Fluctuation of stock price in tourism firms in developing countries such as Vietnam will reflect the business health of tourism system. The article analyzed and evaluated the impacts of multi macroeconomic factors on stock price of a tourism company, Hoi An tourism holding co. (HOT) in Vietnam in the period of 2014-2019, both positive and negative sides. The results of quantitative research, in a quantitative model, show that Sate Bank of Vietnam (SBV) and government agencies need to control inflation and GDP, not increasing too much inflation to favor of stock price.
A Study on Customer Relationship Marketing in Banking Sectorpaperpublications3
Abstract: Modern Marketing Philosophy advocates the concept of customer relationship marketing that creates customer delight. In the banking field a unique relationship exists between the customers and the bank. Due to various reasons like financial burdens, risk of failure, marketing inertia etc., many banks are still following the traditional ways of marketing and only few banks are making attempts to adapt customer relationship marketing. The role of custom er relationship marketing is very vital in leading the banks towards high level and volume of profits. So there is a need to study the role of customer relationship marketing in development and promotion of banking sector through the side-lines of the practices, problems and impact of CRM on banking sector all the time.
This document provides an introduction to a study on customer service in the banking industry. It discusses the important role of banks in economic development and how customer satisfaction is critical to a bank's success. The objectives of the study are to understand customer perceptions of service quality, the types of banking services used, and customer satisfaction with services of ICICI Bank in Coimbatore City. The study uses surveys and statistical analysis to evaluate customer opinions and identify relationships between demographic factors and banking preferences and behaviors.
Hyundai leads the automobile industry and has made very positive contributions to the overall achievements of economic and social values. Kang et al (2014) pointed In constructing global marketing strategy, Hyundai Motor’s vision is "Lifetime partner in mobility and beyond" and its goal is global top 3 brand by year 2015 through modern premium brand image and selling 5 million vehicles. The target brand positioning of Hyundai Motor is the leading position in premium dimension and stylish/modern dimension. The global brand strategy framework is based on the brand direction of "Modern Premium" and is designed to deliver core brand identity (i.e., Simple, Creative, Caring) to customers.
Its marketing strategy shows us: - Hyundai's product strategy is to standardize technical standards with the ambition of being a global product, ensuring the best quality, aiming at the recognition of the value of the customer's product, satisfying the customer's needs. On the other hand, Sale activities is placed at showrooms, though sale agents, and sale person team.
Beside, according to the results of quantitative research, in a multi-factor model, we would suggest the government, Ministry of Finance and State Bank: control inflation properly, and firm management control cost properly (as reduction in cost and CPI will cause net profit to increase).
This document discusses the marketing mix challenges faced by the Indian banking sector. It notes that the Indian banking sector will be the third largest in the world by 2025. However, it faces challenges such as new regulations, efficiency, and diffused customer loyalty. The marketing mix - product, price, place, promotion, physical evidence, process, and people - is an important consideration for banks. Banks must focus on reliable service delivery through technology investments and leverage their branch networks. Marketing research and feedback from customers are also crucial to formulating an effective marketing strategy. Banks need to enhance financial literacy and offer diverse products tailored to different customer groups.
The impact of_customer_relationship_marketing_on_customer_satisfaction_of_the...ssuserc0e2e1
This document summarizes a research study that investigated the impact of customer relationship marketing on customer satisfaction at Arab Bank, which has locations in both Jordan and Saudi Arabia. The study utilized a questionnaire sent to 500 customers across both countries. The findings showed medium to high positive correlations between customer relationship marketing dimensions (like trust, commitment, communication) and customer satisfaction. There were also some differences found based on gender, age, education level, and between the two countries. The study concluded that applying customer relationship marketing strategies can help banks maintain their market share by increasing customer satisfaction.
Customer satisfaction on retail markettingnsaini_india
This document summarizes a study on customer satisfaction in retail banking in India. It provides background on the liberalization of the Indian banking sector since the 1990s and the growth in retail banking. The study aimed to identify the types of services offered by banks, customers' satisfaction levels with different services, their expectations, and any gaps between what banks offer and what customers want. It surveyed 300 customers of various banks in Kurukshetra city on these topics to better understand how banks can improve customer satisfaction and segmentation.
This document presents a seminar report on adopting the 7Ps of marketing strategies in the banking sector. It discusses the importance of the services sector and banking sector in the Indian economy. It then explains the traditional marketing mix is not sufficient for service organizations like banks. The report discusses consumer behavior segmentation and how banks can develop customer relationship management strategies. It analyzes each of the 7Ps of the marketing mix - product, place, price, promotion, people, process, and physical evidence - in the context of banking services. The conclusion is that using the 7Ps marketing concept is important for banks to identify customer needs and effectively market their services.
1. Please detail your efforts to extend banking products and services to wider parts of the community.
2. Banks face many challenges – new regulations, more competition, slowing growth in some markets. Please describe your strategy for keeping your bank’s returns high?
3. Why you choose Banking Career?
4. Loan against Share. Should Banking Industry Promote or Not?
5. What particular actions provided your bank with significant success or market advantage over the past 12-15 months?
Building Character Knowledge for Panin Bank Personal Banker Southeast Sulawes...theijes
This research was conducted by qualitative analysis method using Miles and Huberman method. The problems raised were (1) How the efforts to build character knowledge for Panin Bank Personal Banker (PB) Southeast Sulawesi Area mainly the knowledge on the products to collect the community funding and service; (2) How the character knowledge built for Personal banker (PB) can be a strategic knowledge for Panin Bank Southeast Sulawesi Area. The results were that building the knowledge would not be sufficient without completing by building the strong character for Personal Banker, the character which should be set were excellence, professionalism and ethics which these three character indicators could reflect the knowledge as the behavior in daily works for a Personal Banker. This character Knowledge can be applied in a strategic knowledge consisting of 6 (six) components, namely unique, pragmatic or useful, generating value, difficult to imitate or substitute, dynamic and based on intense learning process.
Bank marketing mix_new_stretegy_in_today_-libreabin varghese
This document discusses bank marketing strategies and concepts. It begins by outlining the evolution of bank marketing from a focus on public relations to advertising to developing a sales culture. It then defines key aspects of bank marketing including having clear target customers and developing a marketing mix to satisfy customers profitably. The document also discusses how banks must be oriented towards both attracting funds and lending funds. It emphasizes that all bank employees should have a customer-oriented mindset. Overall, the document provides an overview of traditional and modern concepts and approaches for marketing in the banking sector.
A study of bajaj finserv consumer durable loan procedure VeshankKamle1
A Bajaj Finserv internship report should provide a comprehensive overview of your internship experience at Bajaj Finserv. Here's a general structure and description you can follow:
1. **Title Page:**
- Include your name, the internship title, the name of Bajaj Finserv, and the date.
2. **Table of Contents:**
- List the sections and page numbers for easy navigation.
3. **Executive Summary:**
- Summarize the key points of your internship, including your role, responsibilities, and major achievements.
4. **Introduction:**
- Provide an overview of Bajaj Finserv, its industry, and the purpose of your internship.
5. **Company Background:**
- Describe Bajaj Finserv's history, mission, values, and key operations.
6. **Internship Objectives:**
- State the specific goals and objectives you aimed to achieve during your internship.
7. **Roles and Responsibilities:**
- Detail your job description, the department you worked in, and your daily tasks.
8. **Projects and Accomplishments:**
- Highlight the projects you worked on, the problems you solved, and the results you achieved.
9. **Skills and Knowledge Gained:**
- Explain what new skills, knowledge, and experiences you acquired during the internship.
10. **Challenges Faced:**
- Discuss any obstacles or difficulties encountered and how you overcame them.
11. **Learning and Development:**
- Reflect on your personal and professional growth during the internship.
12. **Recommendations:**
- Suggest improvements or changes based on your internship experience.
13. **Conclusion:**
- Sum up the key takeaways from your internship.
14. **Appendices:**
- Include any supporting documents, such as graphs, charts, or samples of your work.
15. **Acknowledgments:**
- Thank your mentors, colleagues, and the organization for the support and guidance.
16. **References:**
- Cite any sources or references used in your report.
17. **Personal Reflection:**
- Offer a personal reflection on your overall experience and how it has contributed to your career goals.
Remember to use clear and concise language, provide evidence of your contributions, and include any data or results that showcase the impact of your work. Additionally, tailor the report to the specific guidelines provided by your internship coordinator or supervisor.
This document summarizes Biswa N Bhattacharyay's approach to promoting banking services and deposit mobilization in India through marketing strategies. Bhattacharyay conducted a nationwide survey of 19,000 households to identify customer segments and their needs. He recommends developing new products tailored to segments like illiterate customers or young adults. He also suggests improving customer service by reducing wait times and promoting a positive attitude among bank staff. Additionally, Bhattacharyay proposes expanding distribution through mobile vans or agents, conducting promotional campaigns to increase awareness of services, and introducing pricing strategies like quarterly interest payments to attract customers. The marketing approach involves understanding customer needs and providing appropriate benefits to attract deposits in a profitable way.
Marketing strategies and bank performance in nigeriaAlexander Decker
This document summarizes a research paper that examines the effect of marketing strategies on bank performance in Nigeria following banking consolidation. It provides background on marketing strategies and the Nigerian banking industry. The literature review discusses reasons for banking sector reforms and consolidation worldwide and in Nigeria specifically. The objectives of the studied research paper are outlined as examining the relationship between marketing strategies and bank performance, identifying problems with marketing banking services, and assessing the effectiveness of bank marketing strategies.
Customer relationship marketing is an emerging customer innovation focused on growing customer’s
satisfaction, retention and loyalty that will culminate into bank profitability. The paper investigated the impact
of investment in implementing customer relationship marketing on the performance of commercial banks in
Nigeria. The study was carried out in Federal capital territory Abuja,
Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Stu...Dr. Amarjeet Singh
This document analyzes customer satisfaction with retail banking services at City Bank Limited in Bangladesh. It conducts a case study through a survey of 50 City Bank customers to measure their expectations and satisfaction levels. The survey finds that customers are generally satisfied with reliability but less satisfied with accessibility, fees, and ATM services. To improve satisfaction, the bank should focus on expanding its branch network, simplifying the account opening process, improving ATM availability and reducing transaction fees. The study aims to help City Bank enhance its customer service and better meet customer needs.
- The document summarizes the findings of a 2006 research study on customer satisfaction with banks in Zambia.
- The study found that customers had many complaints about long wait times, poor customer service, lack of seating, and other issues.
- However, some customers also praised aspects like reliable service and good customer relations.
- The implications are that banks need to improve their customer orientation and reposition their operations to better meet customer needs and build loyalty to ensure future survival and profitability in the competitive banking environment.
Comparative study of promotional strategies adopted by public and private sec...prakash200
The document discusses and compares the promotional strategies used by public and private sector banks in India. It finds that private banks utilize more personalized promotional approaches like personal selling and direct marketing, while public banks rely more on mass media advertising. A survey of 300 bank customers found that most use savings accounts and were influenced by friends/family in their bank choice. Respondents perceived private bank promotions as more effective but found public bank information more reliable. Television advertising was viewed as the most impactful promotional tool for banks. Overall, private banks advertise more aggressively but public banks are seen as more trustworthy.
This research article analyzes the financial performance of selected banks in India using ratio analysis. Ratio analysis is a quantitative method used to evaluate a company's liquidity, operational efficiency, and profitability by comparing financial statement information over multiple periods. The study uses a commonly applied framework called the Eagles model to analyze 13 key ratios across selected banks from 2011-2019 related to earnings, asset quality, growth, liquidity, equity, and strategy. Statistical tools like mean, standard deviation, and t-tests are used to analyze and compare the results between public and private sector banks. The findings of the ratio analysis can help assess the financial health and trends of the banks over time to identify areas for improvement and inform decision making.
“Perception of Fairness in Banking Services Comparison Between Pvt and Govt B...Ranjeet Kushwah
This document is a research report submitted for a master's degree that examines customer perceptions of fairness in banking services between public and private banks in India. It includes an introduction outlining the topic and need for the study, as well as sections on acknowledging contributions and declaring that the work is original. The introduction provides background on the banking industry in India and defines key terms. It notes that customer perceptions of fairness impact satisfaction and that this report will examine dimensions of fairness.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
Relationship Marketing Strategies in Banking Sector: A ReviewIJBBR
The paper is review of relationship marketing strategies prevalent in Banking Sector. In this era of mature and intense competitive pressures, it is imperative that banks maintain a loyal customer base. Nowadays, banks realize the importance ofRelationship Marketing. Relationship marketing offers benefits to the banks,
customers as wellas employees of the organization. Relationship Marketing gives the banks way to developmutually beneficial and valuable long term relationships. These long term relationships are further helping banks in reducing operating cost and attracting new customers.
In the early twentieth century, major representatives of the Jadid movement became active participants in the socio-political processes in the Turkestan region. Usmonkhoja Polatkhoja, a progressive from Bukhara, was one of the beams not only in the Emirate of Bukhara, but also in Turkestan. He first participated in the reforms and progressives, and later in the national liberation movements, and fought for the prosperity and independence of the country.This article provides information about Usmonkhoja's life and work in Jadidism, revolts, national liberation struggles, and emmigiration.
Flood is one of the natural disaster known to be part of the earth biophysical processes, which its occurrence can be devastating; due to mostly anthropogenic activities and climatological factors. The aim of the research is to identify and map the extent at which the impact of flood due to intense rainfall and rise in water in the study area using geospatial techniques and the specific objectives are to carry out terrain analysis of the study area and to generate flood indicator maps of the study area. The study analyzed rain fall data;, the drainage system and Shuttle Radar Topographic Mission (SRTM 30m) of the area. ArcGIS 10.8 was to modelled and to generate the contributing factors map of the study area. The drainage system was generated through on-screen digitization of topographic map of scale 1:50,000 of Ondo South-West. The mean annual rainfall of Lagos State was generated in the ArcGIS environment from the rainfall data through spatial analysis tool. The SRTM was used in terrain analysis of the study area. The results generated showed the lowest mean annual rain fall of the area 1,700mm and the highest mean annual rain fall was 2,440mm. Digital elevation model (DEM), slope, flow direction were generated from the SRTM. Drainage density of the area was generated using the drainage system. The slope map of the entire area which are classified into five slope classes of very high (14%-48.5%) to high (7.6%-13.9%) to moderately high (4.2%-7.6%) to low (1.5%-4.2%) and very low (0. % - 1.2%).
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This document discusses the marketing mix challenges faced by the Indian banking sector. It notes that the Indian banking sector will be the third largest in the world by 2025. However, it faces challenges such as new regulations, efficiency, and diffused customer loyalty. The marketing mix - product, price, place, promotion, physical evidence, process, and people - is an important consideration for banks. Banks must focus on reliable service delivery through technology investments and leverage their branch networks. Marketing research and feedback from customers are also crucial to formulating an effective marketing strategy. Banks need to enhance financial literacy and offer diverse products tailored to different customer groups.
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Customer satisfaction on retail markettingnsaini_india
This document summarizes a study on customer satisfaction in retail banking in India. It provides background on the liberalization of the Indian banking sector since the 1990s and the growth in retail banking. The study aimed to identify the types of services offered by banks, customers' satisfaction levels with different services, their expectations, and any gaps between what banks offer and what customers want. It surveyed 300 customers of various banks in Kurukshetra city on these topics to better understand how banks can improve customer satisfaction and segmentation.
This document presents a seminar report on adopting the 7Ps of marketing strategies in the banking sector. It discusses the importance of the services sector and banking sector in the Indian economy. It then explains the traditional marketing mix is not sufficient for service organizations like banks. The report discusses consumer behavior segmentation and how banks can develop customer relationship management strategies. It analyzes each of the 7Ps of the marketing mix - product, place, price, promotion, people, process, and physical evidence - in the context of banking services. The conclusion is that using the 7Ps marketing concept is important for banks to identify customer needs and effectively market their services.
1. Please detail your efforts to extend banking products and services to wider parts of the community.
2. Banks face many challenges – new regulations, more competition, slowing growth in some markets. Please describe your strategy for keeping your bank’s returns high?
3. Why you choose Banking Career?
4. Loan against Share. Should Banking Industry Promote or Not?
5. What particular actions provided your bank with significant success or market advantage over the past 12-15 months?
Building Character Knowledge for Panin Bank Personal Banker Southeast Sulawes...theijes
This research was conducted by qualitative analysis method using Miles and Huberman method. The problems raised were (1) How the efforts to build character knowledge for Panin Bank Personal Banker (PB) Southeast Sulawesi Area mainly the knowledge on the products to collect the community funding and service; (2) How the character knowledge built for Personal banker (PB) can be a strategic knowledge for Panin Bank Southeast Sulawesi Area. The results were that building the knowledge would not be sufficient without completing by building the strong character for Personal Banker, the character which should be set were excellence, professionalism and ethics which these three character indicators could reflect the knowledge as the behavior in daily works for a Personal Banker. This character Knowledge can be applied in a strategic knowledge consisting of 6 (six) components, namely unique, pragmatic or useful, generating value, difficult to imitate or substitute, dynamic and based on intense learning process.
Bank marketing mix_new_stretegy_in_today_-libreabin varghese
This document discusses bank marketing strategies and concepts. It begins by outlining the evolution of bank marketing from a focus on public relations to advertising to developing a sales culture. It then defines key aspects of bank marketing including having clear target customers and developing a marketing mix to satisfy customers profitably. The document also discusses how banks must be oriented towards both attracting funds and lending funds. It emphasizes that all bank employees should have a customer-oriented mindset. Overall, the document provides an overview of traditional and modern concepts and approaches for marketing in the banking sector.
A study of bajaj finserv consumer durable loan procedure VeshankKamle1
A Bajaj Finserv internship report should provide a comprehensive overview of your internship experience at Bajaj Finserv. Here's a general structure and description you can follow:
1. **Title Page:**
- Include your name, the internship title, the name of Bajaj Finserv, and the date.
2. **Table of Contents:**
- List the sections and page numbers for easy navigation.
3. **Executive Summary:**
- Summarize the key points of your internship, including your role, responsibilities, and major achievements.
4. **Introduction:**
- Provide an overview of Bajaj Finserv, its industry, and the purpose of your internship.
5. **Company Background:**
- Describe Bajaj Finserv's history, mission, values, and key operations.
6. **Internship Objectives:**
- State the specific goals and objectives you aimed to achieve during your internship.
7. **Roles and Responsibilities:**
- Detail your job description, the department you worked in, and your daily tasks.
8. **Projects and Accomplishments:**
- Highlight the projects you worked on, the problems you solved, and the results you achieved.
9. **Skills and Knowledge Gained:**
- Explain what new skills, knowledge, and experiences you acquired during the internship.
10. **Challenges Faced:**
- Discuss any obstacles or difficulties encountered and how you overcame them.
11. **Learning and Development:**
- Reflect on your personal and professional growth during the internship.
12. **Recommendations:**
- Suggest improvements or changes based on your internship experience.
13. **Conclusion:**
- Sum up the key takeaways from your internship.
14. **Appendices:**
- Include any supporting documents, such as graphs, charts, or samples of your work.
15. **Acknowledgments:**
- Thank your mentors, colleagues, and the organization for the support and guidance.
16. **References:**
- Cite any sources or references used in your report.
17. **Personal Reflection:**
- Offer a personal reflection on your overall experience and how it has contributed to your career goals.
Remember to use clear and concise language, provide evidence of your contributions, and include any data or results that showcase the impact of your work. Additionally, tailor the report to the specific guidelines provided by your internship coordinator or supervisor.
This document summarizes Biswa N Bhattacharyay's approach to promoting banking services and deposit mobilization in India through marketing strategies. Bhattacharyay conducted a nationwide survey of 19,000 households to identify customer segments and their needs. He recommends developing new products tailored to segments like illiterate customers or young adults. He also suggests improving customer service by reducing wait times and promoting a positive attitude among bank staff. Additionally, Bhattacharyay proposes expanding distribution through mobile vans or agents, conducting promotional campaigns to increase awareness of services, and introducing pricing strategies like quarterly interest payments to attract customers. The marketing approach involves understanding customer needs and providing appropriate benefits to attract deposits in a profitable way.
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This document summarizes a research paper that examines the effect of marketing strategies on bank performance in Nigeria following banking consolidation. It provides background on marketing strategies and the Nigerian banking industry. The literature review discusses reasons for banking sector reforms and consolidation worldwide and in Nigeria specifically. The objectives of the studied research paper are outlined as examining the relationship between marketing strategies and bank performance, identifying problems with marketing banking services, and assessing the effectiveness of bank marketing strategies.
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Nigeria. The study was carried out in Federal capital territory Abuja,
Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Stu...Dr. Amarjeet Singh
This document analyzes customer satisfaction with retail banking services at City Bank Limited in Bangladesh. It conducts a case study through a survey of 50 City Bank customers to measure their expectations and satisfaction levels. The survey finds that customers are generally satisfied with reliability but less satisfied with accessibility, fees, and ATM services. To improve satisfaction, the bank should focus on expanding its branch network, simplifying the account opening process, improving ATM availability and reducing transaction fees. The study aims to help City Bank enhance its customer service and better meet customer needs.
- The document summarizes the findings of a 2006 research study on customer satisfaction with banks in Zambia.
- The study found that customers had many complaints about long wait times, poor customer service, lack of seating, and other issues.
- However, some customers also praised aspects like reliable service and good customer relations.
- The implications are that banks need to improve their customer orientation and reposition their operations to better meet customer needs and build loyalty to ensure future survival and profitability in the competitive banking environment.
Comparative study of promotional strategies adopted by public and private sec...prakash200
The document discusses and compares the promotional strategies used by public and private sector banks in India. It finds that private banks utilize more personalized promotional approaches like personal selling and direct marketing, while public banks rely more on mass media advertising. A survey of 300 bank customers found that most use savings accounts and were influenced by friends/family in their bank choice. Respondents perceived private bank promotions as more effective but found public bank information more reliable. Television advertising was viewed as the most impactful promotional tool for banks. Overall, private banks advertise more aggressively but public banks are seen as more trustworthy.
This research article analyzes the financial performance of selected banks in India using ratio analysis. Ratio analysis is a quantitative method used to evaluate a company's liquidity, operational efficiency, and profitability by comparing financial statement information over multiple periods. The study uses a commonly applied framework called the Eagles model to analyze 13 key ratios across selected banks from 2011-2019 related to earnings, asset quality, growth, liquidity, equity, and strategy. Statistical tools like mean, standard deviation, and t-tests are used to analyze and compare the results between public and private sector banks. The findings of the ratio analysis can help assess the financial health and trends of the banks over time to identify areas for improvement and inform decision making.
“Perception of Fairness in Banking Services Comparison Between Pvt and Govt B...Ranjeet Kushwah
This document is a research report submitted for a master's degree that examines customer perceptions of fairness in banking services between public and private banks in India. It includes an introduction outlining the topic and need for the study, as well as sections on acknowledging contributions and declaring that the work is original. The introduction provides background on the banking industry in India and defines key terms. It notes that customer perceptions of fairness impact satisfaction and that this report will examine dimensions of fairness.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
Relationship Marketing Strategies in Banking Sector: A ReviewIJBBR
The paper is review of relationship marketing strategies prevalent in Banking Sector. In this era of mature and intense competitive pressures, it is imperative that banks maintain a loyal customer base. Nowadays, banks realize the importance ofRelationship Marketing. Relationship marketing offers benefits to the banks,
customers as wellas employees of the organization. Relationship Marketing gives the banks way to developmutually beneficial and valuable long term relationships. These long term relationships are further helping banks in reducing operating cost and attracting new customers.
Similar to Discussion on Leadership of BIDV Bank in Vietnam - And Analyzing Roles of Marketing 4P Strategy of the Bank (20)
In the early twentieth century, major representatives of the Jadid movement became active participants in the socio-political processes in the Turkestan region. Usmonkhoja Polatkhoja, a progressive from Bukhara, was one of the beams not only in the Emirate of Bukhara, but also in Turkestan. He first participated in the reforms and progressives, and later in the national liberation movements, and fought for the prosperity and independence of the country.This article provides information about Usmonkhoja's life and work in Jadidism, revolts, national liberation struggles, and emmigiration.
Flood is one of the natural disaster known to be part of the earth biophysical processes, which its occurrence can be devastating; due to mostly anthropogenic activities and climatological factors. The aim of the research is to identify and map the extent at which the impact of flood due to intense rainfall and rise in water in the study area using geospatial techniques and the specific objectives are to carry out terrain analysis of the study area and to generate flood indicator maps of the study area. The study analyzed rain fall data;, the drainage system and Shuttle Radar Topographic Mission (SRTM 30m) of the area. ArcGIS 10.8 was to modelled and to generate the contributing factors map of the study area. The drainage system was generated through on-screen digitization of topographic map of scale 1:50,000 of Ondo South-West. The mean annual rainfall of Lagos State was generated in the ArcGIS environment from the rainfall data through spatial analysis tool. The SRTM was used in terrain analysis of the study area. The results generated showed the lowest mean annual rain fall of the area 1,700mm and the highest mean annual rain fall was 2,440mm. Digital elevation model (DEM), slope, flow direction were generated from the SRTM. Drainage density of the area was generated using the drainage system. The slope map of the entire area which are classified into five slope classes of very high (14%-48.5%) to high (7.6%-13.9%) to moderately high (4.2%-7.6%) to low (1.5%-4.2%) and very low (0. % - 1.2%).
Work study is a catch-all phrase encompassing a variety of methodologies, including method research and work measurement, that are applied in a variety of contexts and lead to a systematic assessment of all elements that affect the efficiency and economy of the situation under evaluation that is meant to be improved. The main aim of this study is to examine and enhance the process token in manufacturing a Perfume of the famous, well-known, aromatic, and beautiful Taif Roses. Some changes in the process has been suggested using method study and time study method which lead to reduction in process time, labor cost and production cost.
Workers are the maximum precious method of an association. Their importance to institutions requires not most effective the want to draw the trendy bents but additionally the need to preserve them for a long term. This paper specializes in reviewing the findings of former research carried out with the aid of colourful experimenters with the quit to identify determinants factors of hand retention. This exploration almost looked at the subsequent broad factors improvement openings, reimbursement, work- lifestyles balance, operation/ management, work terrain, social aid, autonomy, training and improvement.
Watering plants during the correct time is very important due to scientific reasons. Both underwatering, as well as overwatering, can lead to the growth of unhealthy plants or in extreme cases, the death of the plant/tree. These issues which are the case with most self-gardeners and plant lovers can be solved using the smart irrigation technique. The main purpose of this innovation is to assist plant lovers to continue their passion to grow plants at home with ease. Smart irrigation system helps in monitoring the moisture level which majorly affects plant growth besides other factors such as sunlight, fertility of the soil, etc. The digital planting pot has been designed in a way that it effectively incorporates the idea of smart irrigation. Arduino Uno R3 has been used as the main chip in this project along with a few other components like a soil moisture sensor, relay, and water pump. This project requires coding to synchronize all the components, and function properly. A required test has been carried out to review the functioning of the mechanism. The project was tested by once using the soil with enough moisture in the pot and then the soil with the least moisture. Both times, it worked exactly how it was supposed to function. When the soil with the least moisture was tested, there was a clear indication of a low level of moisture and accordingly, the water pump got triggered to water the plant, and when the soil with enough moisture was tested, there was again the clear indication of the correct level of moisture and the water pump was inactive. All the readings which were displayed on the LCD were checked back and forth during the project. The outcomes were the same as expected. Hence, it shows that every component in this project is actively functioning and the whole project is effectively designed.
Because of its accessibility and flexibility, cloud technology is among the most notable innovations in today's world. Having many service platforms, such as GoogleApps by Google, Amazon, Apple, and so on, is well accepted by large enterprises. Distributed cloud computing is a concept for enabling every-time, convenient, on-demand network access to processing resources including servers, storage devices, networks, and services that may be mutually configured. The major security risks for cloud computing as identified by the Cloud security alliance (CSA) have been examined in this study. Also, methods for resolving issues with cloud computing technology's data security and privacy protection were systematically examined.
This study's goal is to present Solutions for Determining the importance level of criteria in creating cultural resources’ attractiveness from tourists’ evaluation. Data were collected from 558 international tourists who chose Vietnam as the destination for tourism.
The study points out that we need to resolve challenges such as: building a safe, friendly destination, etc., destinations need to review and re-evaluate the services of their products and tourist attractions to prepare for the largest number of visitors and stimulate the domestic tourism market is a good solution: To boost the domestic tourism market, it is necessary to increase domestic flights and train connections to major tourist destinations.
A new convenient and efficient route for the synthesis of two very important hydroxo-bridged stepped-cubane copper complexes viz: [Cu4(bpy)4Cl2(OH)4]Cl2.6H2O (1) and [Cu4(phen)4Cl2(OH)4]Cl2.6H2O (2) have been obtained. This synthetic route from the mononuclear CubpyCl2 complex is easier, more reproducible and afforded the complex in a much higher yield than the other two previously reported procedures which were equally serendipitously discovered. The purity and formation of the complexes were confirmed with elemental (C,H,N) analysis and the details of the UV-Vis, Fourier transform infrared, electrospray ionization mass spectra of both complexes and the single crystal X-ray crystallography of 1 are presented and discussed. X-ray crystallography confirms the absolute structure of the complexes. The complexes were formed via the connection of four copper atoms to four hydroxide bridging ligands and four bipyridyl ligands with two chloride ligands. There are two coordinate environments around two pairs of copper atoms (CuN2ClO2 and CuN2O3) and each copper atom is pentacoordinate with square pyramidal geometry.
Artocarpus heterophyllus Lam., which is commonly known as jackfruit is a tropical fruit, belonging to Moraceae family, native to Western Ghats of India and common in Asia, Africa, and some regions in South America. It is known to be the largest edible fruit in the world. The Jackfruit is an extremely versatile and sweet tasting fruit that possess high nutritional value. Jackfruit is rich in nutrients including carbohydrates, proteins, vitamins, minerals, and phytochemicals. The jackfruit has diverse medicinal uses especially antioxidant, anti-inflammatory, antimicrobial and antiviral properties, anticancer and antifungal activity, anthelminthic activity. Traditionally, this plant is used in the treatment of various diseases especially for treatment against inflammation, malarial fever, diarrhoea, diabetes and tapeworm infection. Jackfruit is a good natural source of phytochemicals such as phenolics, flavonoids and tannins, saponins. The health benefits of jackfruit have been attributed to its wide range of physicochemical applications. The use of jackfruit bulbs and its parts has also been reported since ancient times for their therapeutic qualities. The beneficial physiological effects may also have preventive application in a variety of pathologies.
Myogenic differentiation requires to be exactly explored for the effective treatment of fracture. The speed of healing is affected by skeletal muscle, linked to activation of specific myogenic transcription factors during the repair process. In previous study, we discovered that psoralen enhanced differentiation of osteoblast in primary mouse. In the current study, we show that psoralen stimulates myogenic differentiation through the secretion of factors to hone the quality of repair in fractured mice. 3-month old mice were treated with corn oil or psoralen followed by a tibial fracture surgery. Fractures were tested 7, 14, and 21 days respectively later by histology and images observation. Skeletal muscles including soleus muscle and posterior tibial muscle around the damaged bone were collected for quantitative real-time PCR, HE staining, as well as western blot. Daily treatment with psoralen at seven, fourteen days or twenty-one days improves protein or mRNA levels responsible for the whole myogenic differentiation process, makes the muscle fibers more tightly aligned, and promotes callus formation and development. This data shows that high levels of myogenic transcription factors in the process of fracture healing in mice foster the repair of damaged muscles, and indicates a pharmacological approach that targets myogenic differentiation to improve fracture repair. This also reflects the academic thought of "paying equal attention to both muscles and bones" in the prevention and treatment of fracture healing.
The current pandemic has generated the search for new reliable and economic alternatives for the detection of SARS-CoV-2, which produces the COVID-19 disease, one of the recommendations by the World Health Organization, is the detection of the virus by RT-qPCR methods from upper respiratory tract samples. The discomfort of the pharyngeal nasopharyngeal swab described by patients, the requirement of trained personnel, and the generation of aerosols, are factors that increase the risk of infections in this type of intake. It is known that the main means of transmission of SARS-CoV-2 is through aerosols or small droplets, which is why saliva is important as a relevant means of detecting COVID-19. In this study, a modified method based on SARS-CoV-2 RNA release from saliva is described, avoiding the isolation and purification of the genetic material and its quantification of viral copies; the results are compared with paired pharyngeal/nasopharyngeal swab samples (EF/EN). Results showed good agreement in saliva samples compared to EF/EN samples. On average, a sensitivity for virus detection of 80% was demonstrated in saliva samples competing with EF/EN samples. The use of saliva is a reliable alternative for the detection of SARS-CoV-2 by means of RT-PCR in the first days of infection, having important advantages over the conventional method. Saliva still needs to be studied completely to evaluate the detection capacity of the SARS-CoV-2 nucleic acid, however, the described process is viable, due to the decrease in materials and supplies, process times, the increment in the sampling and improvement of laboratory performance.
A recent study establishes that since 1970, there has been an ecological gap between human needs and the planet's resources, with annual resource demand exceeding the bio-productivity of the planet. Specifically, humanity utilises equivalent of 1.75 earths to produce the ecological resources used, with half of this attributable to food consumption. The present work therefore seeks to provide an empirically-based insight into the environmental sustainability of the EF of food consumption in Ijebu Ode. A descriptive cross-sectional approach was used, and primary data were collected from 400 systemically sampled households via structured questionnaires and analysed descriptively using Microsoft Excel and inferentially using mathematical models for calculating ecological footprints. Findings revealed that the household EF of food consumption in Ijebu Ode is 0.05gha per capita, with the footprint of cereal consumption (0.17gha; 37%) taking the major share, followed by meat with a footprint of 0.11gha (23.9%). As a result, it was concluded that Ijebu Ode has sustainable food consumption, which is necessary for its environmental sustainability. However, the sustenance of the former requires creating awareness of the need for sustainable consumption and prioritisation of integrated and population-wide policies and food intervention initiatives to encourage attitudinal change in favour of sustainable food consumption while fostering sustainable food production strategies amidst current environmental realities.
The symmetry occurs in most of the phenomena explained by physics, for example, a particle has positive or negative charges, and the electric dipoles that have the charge (+q) and (-q) which are at a certain distance (d), north or south magnetic poles and for a magnetic bar or magnetic compass with two poles: North (N) and South (S) poles, spins up or down of the electron at the atom and for the nucleons in the nucleus In this form, the particle should also have mass symmetry. For convenience and due to later explanations, I call this mass symmetry or mass duality as follows: mass and mass cloud. The mass cloud is located in the respective orbitals given by the Schrödinger equation. The orbitals represent the possible locations or places of the particle which are determined probabilistically by the respective Schröndiger equation.
Metal-organic molybdenum complexes were synthesized by the hydrothermal method using ammonium heptamolybdate as the metallic source, and as the organic ligand terephthalic acid (BDC) or bis(2-hydroxyethyl) terephthalate (BHET), obtained via glycolysis of poly(ethylene)terephthalate (PET). The BDC-Mo and BHET-Mo complexes were characterized by XRD, N2 physisorption, TGA, ATR-FTIR, SEM, XPS and their in vitro biocompatibility was tested by porcine fibroblasts viability. The results show that molybdates (MoO4-2) are coordinated to the carbonyl functional groups of BDC and BHET by urea bonding (-NH-CO-NH-) which is related to their high biocompatibility and high thermal stability. These organic molybdate complexes possess rectangular prism particles made up of rods arrays characteristics of molybdenum oxides (MoO3). The organic complexes BDC-Mo and BHET-Mo do not show to be cytotoxic for porcine dermal fibroblasts growing on their surface for up to 48 h of culture.
Exercise training with varying intensity increases maximal oxygen intake (VO2max), a strong predictor of cardiovascular and all-cause mortality. Purpose: The aim of this study was to find out the influence of low intensity aerobic training on the vo2 max in 11 to 14 years school girls in Hyderabad district. Methodology: The research scholar has randomly selected thirty (N=30) high school girls were selected as subjects and their age ranged between 11 to 14 years. The subjects were divided into two equal groups, each group consist of 15 total 30. Group one acted as experimental group (EG) and group two acted as control group (CG). The dependent variable vo2 max was selected and it is measured by manual test. Statistical Tool: The statistical tool paired sample ‘t’ test was used for analysing of the data and the obtained ‘t’ ratio was tested for significance at 0.05 level of confidence. Results: The analysis of the data revealed that there was a significant improvement on vo2 max by the application of low intensity aerobic.
Hybrid rice has the potential to outperform existing inbred rice and was said to have the potential to produce 14-20 % more yield. In response, Malaysia Government has introduced its very own first Hybrid Rice Variety knew as Kadaria 1 developed by MARDI. This is in line with one of the strategies outlined in Dasar Agromakanan Negara (DAN) 2011-2020 as an approach to increasing rice productivity within Malaysia. The next step would be developing our hybrid seed rice production system. Therefore, an experiment to determine the planting ratio and planting distance between 0025A (A)-a hybrid with MR283 (R)-inbreed variety was carried out. Planting ratios studied in this study were 2:4, 2:6, 2:8, and 2:10 while planting distance was 14 x 30 cm, 16 x 30 cm, and 18 x 30 cm. Statistical analyses suggested that yield R, yield A, and panicle number A were significantly affected by planting ratios while yield A was significantly affected by an interaction between planting distance and planting ratios. Panicle number A performed significantly higher at planting ratios of 2:4 compared to 2:10. Yield R shows higher significant performance under ratio 2:6 compared to 2:4 and 2:8. Relatively, yield A performed the best under planting distance of 18 x 30 cm. Furthermore, under this particular planting distance, the planting ratio of 2:10 shows the highest significant figure while 2:8 exhibits statistical parity. Both yield R and yield A were significantly affected by planting ratios and have a significant positive association with each other. Therefore, the planting ratio of 2:10 should be the best since it contributed to significantly highest value for yield A while yield R under 2:10 shows statistical parity with 2:6 which was the highest significant value. In conclusion, the combination of 2:10 with a planting distance of 18 x 30 cm was the best since it shows best potential for both yields A and yield R
This document summarizes a study on cassava production systems in the Tivaouane department of Senegal. Key findings include:
- Cassava is an important crop for food security but production in Senegal remains low compared to other African countries.
- The study examined farming practices through surveys of 85 producers in 8 communes across two agro-ecological zones.
- Analysis showed cassava is only grown during rainy season with traditional cultivation methods. Four of five recommended varieties were grown, with different varieties preferred in each zone.
Cassava plays an important role in improving food security and reducing poverty in rural areas. Despite its importance, its production in Senegal remains low compared to other African countries. Nowadays, it is confronted with numerous constraints. It is in this context that a study was conducted on the cassava production system in the Thiès "cassava granary" region, with the objective of examining farmers' cultivation practices. It was conducted in eight communes located in the department of Tivaouane, some of which are located in the Niayes agro-ecological zone and others in the central-northern groundnut basin. Surveys were conducted among the largest cassava producers in these communes. Analysis of the results showed that cassava is only grown in the rainy season with the same cultivation practices that have been used for years. Of the five varieties listed by the President of the Senegalese Cassava Interprofession, only four are grown in the areas surveyed. The Terrasse (43%) and Kombo (36%) varieties are grown more by our respondents in the Niayes area. Soya (75%) and Wallet "Parydiey" (20% of our sample) dominate in the central-northern groundnut basin.
We are witnessing very demanding and stressful times in which we live, and an occupation that is particularly exposed to stress and different working conditions is the job of a nurse. Exposing themselves to everyday challenges and stressful situations, nurses reach a stage of great emotional and physical exhaustion, lethargy, dissatisfaction, and poorer work achievements, which we know as burnout. The aim of this paper was to determine whether there is and to what extent professional burnout is present in nurses and technicians working in nursing homes across Slovenia and Croatia. The paper is answering the questions of the extent of the burnout influenced by individual characteristics (age, education, years of service and work experience at the current workplace). The study involved a validated questionnaire “The Oldenburg Burnout Inventory (OLBI)” to measure professional burnout. Surveying of the nurses was conducted online at their home institutions. The results show that all respondents have a medium or high level of professional burnout, while no one has a low level or shows no signs of burnout. In terms of age, the group from 55-65 years of age had the highest relative level of burnout in the age group category. With regard to education, the highest burnout was measured in registered nurses.
This document discusses hepatitis and its transmission through needlestick injuries. It covers the different types of hepatitis viruses, their epidemiology, risk factors, and transmission. Healthcare workers are at high risk of contracting hepatitis B and C through needlestick injuries involving contaminated needles and sharps. Dental professionals face increased risk due to exposure to blood and saliva. The document recommends vaccination, safe handling of needles and sharps, and post-exposure prophylaxis to prevent transmission of hepatitis viruses occupationally.
More from Associate Professor in VSB Coimbatore (20)
Originally presented at XP2024 Bolzano
While agile has entered the post-mainstream age, possibly losing its mojo along the way, the rise of remote working is dealing a more severe blow than its industrialization.
In this talk we'll have a look to the cumulative effect of the constraints of a remote working environment and of the common countermeasures.
Integrity in leadership builds trust by ensuring consistency between words an...Ram V Chary
Integrity in leadership builds trust by ensuring consistency between words and actions, making leaders reliable and credible. It also ensures ethical decision-making, which fosters a positive organizational culture and promotes long-term success. #RamVChary
Designing and Sustaining Large-Scale Value-Centered Agile Ecosystems (powered...Alexey Krivitsky
Is Agile dead? It depends on what you mean by 'Agile'. If you mean that the organizations are not getting the promised benefits because they were focusing too much on the team-level agile "ways of working" instead of systemic global improvements -- then we are in agreement. It is a misunderstanding of Agility that led us down a dead-end. At Org Topologies, we see bright sparks -- the signs of the 'second wave of Agile' as we call it. The emphasis is shifting towards both in-team and inter-team collaboration. Away from false dichotomies. Both: team autonomy and shared broad product ownership are required to sustain true result-oriented organizational agility. Org Topologies is a package offering a visual language plus thinking tools required to communicate org development direction and can be used to help design and then sustain org change aiming at higher organizational archetypes.
Sethurathnam Ravi: A Legacy in Finance and LeadershipAnjana Josie
Sethurathnam Ravi, also known as S Ravi, is a distinguished Chartered Accountant and former Chairman of the Bombay Stock Exchange (BSE). As the Founder and Managing Partner of Ravi Rajan & Co. LLP, he has made significant contributions to the fields of finance, banking, and corporate governance. His extensive career includes directorships in over 45 major organizations, including LIC, BHEL, and ONGC. With a passion for financial consulting and social issues, S Ravi continues to influence the industry and inspire future leaders.
Ganpati Kumar Choudhary Indian Ethos PPT.pptx, The Dilemma of Green Energy Corporation
Green Energy Corporation, a leading renewable energy company, faces a dilemma: balancing profitability and sustainability. Pressure to scale rapidly has led to ethical concerns, as the company's commitment to sustainable practices is tested by the need to satisfy shareholders and maintain a competitive edge.
Employment PracticesRegulation and Multinational CorporationsRoopaTemkar
Employment PracticesRegulation and Multinational Corporations
Strategic decision making within MNCs constrained or determined by the implementation of laws and codes of practice and by pressure from political actors. Managers in MNCs have to make choices that are shaped by gvmt. intervention and the local economy.
Colby Hobson: Residential Construction Leader Building a Solid Reputation Thr...dsnow9802
Colby Hobson stands out as a dynamic leader in the residential construction industry. With a solid reputation built on his exceptional communication and presentation skills, Colby has proven himself to be an excellent team player, fostering a collaborative and efficient work environment.
Comparing Stability and Sustainability in Agile SystemsRob Healy
Copy of the presentation given at XP2024 based on a research paper.
In this paper we explain wat overwork is and the physical and mental health risks associated with it.
We then explore how overwork relates to system stability and inventory.
Finally there is a call to action for Team Leads / Scrum Masters / Managers to measure and monitor excess work for individual teams.
Impact of Effective Performance Appraisal Systems on Employee Motivation and ...Dr. Nazrul Islam
Healthy economic development requires properly managing the banking industry of any
country. Along with state-owned banks, private banks play a critical role in the country's economy.
Managers in all types of banks now confront the same challenge: how to get the utmost output from
their employees. Therefore, Performance appraisal appears to be inevitable since it set the
standard for comparing actual performance to established objectives and recommending practical
solutions that help the organization achieve sustainable growth. Therefore, the purpose of this
research is to determine the effect of performance appraisal on employee motivation and retention.
Enriching engagement with ethical review processesstrikingabalance
New ethics review processes at the University of Bath. Presented at the 8th World Conference on Research Integrity by Filipa Vance, Head of Research Governance and Compliance at the University of Bath. June 2024, Athens
A team is a group of individuals, all working together for a common purpose. This Ppt derives a detail information on team building process and ats type with effective example by Tuckmans Model. it also describes about team issues and effective team work. Unclear Roles and Responsibilities of teams as well as individuals.
12 steps to transform your organization into the agile org you deservePierre E. NEIS
During an organizational transformation, the shift is from the previous state to an improved one. In the realm of agility, I emphasize the significance of identifying polarities. This approach helps establish a clear understanding of your objectives. I have outlined 12 incremental actions to delineate your organizational strategy.
2. Asian Journal of Basic Science & Research
Volume 4, Issue 2, Pages 83-94, April-June 2022
ISSN: 2582-5267 www.ajbsr.net
84
Pham Van Tuan, Dinh Tran Ngoc Huy et al (2021) pointed marketing 4P has many meanings for many corps. Le,
K., & Nguyen, M (2021) pointed it is meaningful for education as well and confirmed by (DTN Huy, 2015; DT
Tinh, NT Thuy, DT Ngoc Huy, 2021).
We see below table:
Table 1. Previous studies
Authors Year Content, results
Bahman et al. 2013
It was established that factors in the marketing mix have a significant
positive effect in absorbing customers. That means the bank has a
significant positive effect.
Sadia and Noreen 2012
Found out exchange rate, and Short term Interest Rate has significant
impact on Banking index. Macroeconomic variables like Money
Supply, Exchange Rate, Industrial Production, and Short Term Interest
Rate affects the banking index negatively whereas Oil prices has a
positive impact on Banking index.
Manisha and Shikha 2014
Stated that Exchange rate, Inflation, GDP growth rate affect banking
index positively whereas Gold prices have negative impact on BSE
Bankex but none of them have significant impact on Bankex.
Quy and Loi 2016
Found that 3 economic factors (inflation rate, GDP growth rate, and
exchange rate) impact significantly on real estate stock prices; but the
relationship between 10-year Government bond yield and trading
volume, and real estate stock prices was not found.
Duraichamy &
Prasad
2016
With the adjusting buyer inclinations, banks need to think and work
effectively to drive upgrades in the presentation. Marketing mix
improvement enables banking organizations to evaluate the exhibition
of past marketing activities and advance the future spend to upgrade
business execution. Bank marketing as a rule and Customer
Relationship Management (CRM) specifically are of imperative
significance for Indian banks, especially in the current setting when
banks are confronting extreme rivalry from different offices, both
neighborhood and unfamiliar, that offer worth included services. The
Role of marketing in the financial business keeps on evolving. For a
long time the essential focal point of bank marketing was advertising. At
that point the center moved to publicizing and deals promotion. That
was trailed by center around the improvement of a business culture.
3. Asian Journal of Basic Science & Research
Volume 4, Issue 2, Pages 83-94, April-June 2022
ISSN: 2582-5267 www.ajbsr.net
85
Today banking sector all components of the marketing idea consumer
loyalty, benefit incorporated system and social duty are on the whole
similarly significant
TTH Ha, NB Khoa,
DTN Huy, VK Nhan,
DH Nhung, PT Anh,
PK Duy
2019 Marketing affect corporate governance
(Source: author synthesis)
Last but not least, Ahmad and Ramzan (2016) stated the macroeconomic factors have important concerns with
stocks traded in the stock market and these factors make investors to choose the stock because investors are
interested to know about the factors affecting the working of stock to manage their portfolios. Abrupt variations and
unusual movements of macroeconomic variables cause the stock returns to fluctuate due to uncertainty of future
gains. Until now, many researches have been done in this field, however, they just stop at analyzing internal
macroeconomic factors on stock price.
3. Methodology and Data
This research paper establishes correlation among macro economic factors by using an econometric model to
analyze impacts of many) macro economic factors in Vietnam such as: GDP growth, inflation, interest rate,
exchange rate, etc., on BIDV stock price.
Beside, this paper also uses analytical and general data analysis method to measure and generate comments on the
results, then suggest policies based on these analyses.
4. Main results
4.1. Analyzing roles of marketing 4P strategy of the bank
We look at below table:
Table 2. Marketing 4P
Product
Products that reach users are often in the form of
services such as lending, deposit, money transfer,
payment, etc., due to the advancement of technical
infrastructure as well as learning. And transferred from
outside management models, the products and services
of banks in recent years have had a remarkable
development in both quantity and quality. Many loan
programs to meet the diverse needs of customers, from
Price
Competitor based pricing is preferred.
Beside, An innovative, dynamic and flexible pricing
model will help banks gain an edge over their
competitors. Of course, that model will require more
initial work because it requires a more detailed
understanding of each customer segment, different
risk models and the ability to pay of different
customers. When banks successfully implement the
4. Asian Journal of Basic Science & Research
Volume 4, Issue 2, Pages 83-94, April-June 2022
ISSN: 2582-5267 www.ajbsr.net
86
business investment to consumer loans, deposit and
savings products with flexible terms and interest rates
are also continuously launched towards many target
groups to wipe out customers in different market
segments. New safe and modern payment methods are
also brought to customers and are gradually changing
people's payment habits day by day.
flexible pricing model, users will receive "comfort and
ease" in paying when using banking products and
services - an important factor for satisfaction.
Customer satisfaction when using the bank's services,
this will help customers feel happier and more
satisfied and also improve their loyalty to banking
products and services.
Promotion
This is the most characteristic activity of Marketing.
Banks make full use of this tool to bring the image as
well as the convenient features of products and services
to customers.
Tapping into the customer's preference for promotion,
banks have taken advantage of promotions such as
partial discounts or freebies for customers when using
one or a group of customer services, thereby helping
customers. Customers not only understand products and
services but also aim to gain sympathy and make
customers want to use them in the long run.
Developing more new customers is an important goal
but at the same time maintaining market share with
loyal customers, so besides discounts, banks also have
gratitude programs to give gifts to traditional customers.
The system has been with the bank for a long time and
trusts in using the bank's services.
The forms of distributing leaflets and banner ads are
used thoroughly by banks because of their low cost,
effective promotion in one area, but low efficiency.
With the development of information technology, forms
of advertising through email and online also thrive with
low cost compared to other forms of advertising.
Another form of product promotion is through mass
media such as radio and television, this form of
advertising has a wide spread, strong impression on
customers, but there is one point. The disadvantage is
that advertising costs are very high compared to other
forms. (Source: author analysis)
Place
In addition to direct distribution channels, banks can
also bring their products and services to customers
through intermediaries. They are agents that receive
payments on behalf of the bank at locations where the
bank does not have a branch such as social
organizations that help the bank in providing credit to
customers.
Along with the advancement of science and
technology, the bank's distribution system is
increasingly diversified with many forms and methods
of distribution based on modern technology such as
cash machines, payment points, etc. electronic
computing, distributed over the Internet.
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4.2. General data analysis
First of all, the below chart 1 shows us that BIDV stock price has a positive correlation with Cost:
Chart 1. BIDV stock price (Y) vs. Cost
Next we find out that, based on the below scatter chart, Y has slightly negative correlation with inflation (CPI).
Chart 2. BIDV stock price (Y) vs. Inflation (CPI)
The below table 3 shows us that covariance matrix among many macro economic variables. BIDV stock price (Y)
has a negative correlation with risk free rate and lending rate but has a positive correlation with exchange rate
(EX_Rate), and GDP growth.
Hence, an increase in inflation may have slight negative impact on in bank stock price.
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Table 3. Covariance matrix for 10 macro economic variables
(Source: author analysis)
4.3. Regression model and main findings
In this section, we will find out the relationship between eight macro economic factors and public debt.
4.3.1 Scenario 1 - Regression model with 3 variables: adding lending rate (r) into the above model
Eviews generates below statistical results:
(Source: author analysis)
The above regression equation shows us that BIDV stock price (Y) has a positive correlation with cost and negative
relationship with inflation (CPI) and lending rate (R). And the coefficient (with CPI) is the highest, the 2nd
highest
is with R. Lending interest rate increases together with CPI increases will increase costs of business and lead to a
decrease in BIDV stock price.
4.3.2. Scenario 2 - Regression model with 5 macro variables: adding exchange rate and risk free rate (Rf) into the
above model:
Eviews presents the below results:
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(Source: author analysis)
We find out impacts of 5 macro variables, with the new factor: Rf, shown in the above equation, BIDV stock price
(Y) has negative correlation with Exchange rate and inflation and lending rate, whereas it has positive correlation
with Rf and Cost. When inflation goes down, cost increases and interest rate declines, as a result, BIDV stock price
will increase.
5. Discussion and Conclusion
Based on the above data analysis from our regression model, although low inflation during 2015-2016 is a good
signal for BIDV stock price, because BIDV stock price (Y) has negative correlation with Exchange rate and
inflation and lending rate, whereas it has positive correlation with Rf and Cost. When inflation goes down, cost
increases and interest rate declines, as a result, BIDV stock price will increase: we would suggest the government,
Ministry of Finance and State Bank of Vietnam consider to control inflation more rationally. And increasing cost
and Rf little bit to increase stock price as well.
Data are from observations in the past 10 years, it is partly based on the market economic rules, and the research
results are also affected by socio-economic characteristics in Vietnam such as: efficiency of public investment,
waste of public investment, enterprise bankruptcy, and investment in areas that increase GDP such as production,
electricity, etc. or investing in healthcare, environment and education sectors. We have not yet considered the
impact of these factors.
Besides, we also suggest that BIDV bank focuses more on marketing 4P and 7P strategy in new context.
However, we have not yet seen large-scale customer satisfaction and demand surveys for banking services initiated
by banks with the participation of market research firms’ independence. It is possible that banks are still weighing
the cost of a large survey and the difficult to quantify benefits that this survey brings. This can be considered as a
limitation in the marketing activities of banks in Vietnam.
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Proactively receiving customer opinions will be extremely valuable to help banks have a more accurate and correct
view of the market, through which they can have strategies to satisfy customers' wishes.
Finally, this research paper also helps to direct further future researches, for instance, we could add deposit rate and
unemployment rate into our above econometric model to measure impacts of them on commercial bank stock price.
Exhibit
Exhibit 1. Inflation, CPI over past 10 years (2007-2017) in Vietnam
Exhibit 2. GDP growth rate past 10 years (2007-2018) in Vietnam
Acknowledgements
Authors would like to take this opportunity to express their warm thanks to Board of Editors and Colleagues in
assisting convenient conditions for this research paper.
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Declarations
Source of Funding
This research did not receive any grant from funding agencies in the public, commercial, or not-for-profit sectors.
Competing Interests Statement
The authors declare no competing financial, professional and personal interests.
Consent for publication
Authors declare that they consented for the publication of this research work.
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