{"id":"https://openalex.org/W7220487997","doi":null,"title":"C\u00e1c nh\u00e2n t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a h\u1ed9 gia \u0111\u00ecnh t\u1ea1i ng\u00e2n h\u00e0ng Vietcombank V\u0129nh Long","display_name":"C\u00e1c nh\u00e2n t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a h\u1ed9 gia \u0111\u00ecnh t\u1ea1i ng\u00e2n h\u00e0ng Vietcombank V\u0129nh Long","publication_year":2025,"publication_date":"2025-01-27","ids":{"openalex":"https://openalex.org/W7220487997"},"language":"vi","primary_location":{"id":"pmh:oai:vjol.info.vn:article/115141","doi":null,"is_oa":true,"landing_page_url":"https://vjol.info.vn/index/article/view/115141","pdf_url":null,"source":{"id":"https://openalex.org/S5407056413","display_name":"Journal of Science and Development Economics","issn_l":"2588-1272","issn":["2588-1272","3093-3714"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2588-1272","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://vjol.info.vn/index/article/view/115141","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5081099275","display_name":"\u0110\u00e0o Duy Hu\u00e2n","orcid":"https://orcid.org/0000-0002-2545-7600","observed_orcids":["https://orcid.org/0000-0002-2545-7600"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u0110\u00e0o Duy Hu\u00e2n","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5157363534","display_name":"Nguy\u1ec5n Th\u1ecb H\u01b0\u01a1ng Dung","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Nguy\u1ec5n Th\u1ecb Ng\u1ecdc M\u1ef9","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.65293497,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.8672000169754028,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.8672000169754028,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.12710000574588776,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.0010999999940395355,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/household-credit-access","display_name":"household credit access","score":0.8730000257492065},{"id":"https://openalex.org/keywords/bank-lending","display_name":"bank lending","score":0.5519999861717224},{"id":"https://openalex.org/keywords/vietcombank","display_name":"Vietcombank","score":0.8539999723434448},{"id":"https://openalex.org/keywords/collateral","display_name":"collateral","score":0.9729999899864197},{"id":"https://openalex.org/keywords/income","display_name":"income","score":0.6309999823570251},{"id":"https://openalex.org/keywords/occupation","display_name":"occupation","score":0.7450000047683716},{"id":"https://openalex.org/keywords/loan-purpose","display_name":"loan purpose","score":0.9419999718666077},{"id":"https://openalex.org/keywords/age","display_name":"age","score":0.3019999861717224}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6261000037193298},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.6044999957084656},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4645000100135803},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.44510000944137573},{"id":"https://openalex.org/C67257552","wikidata":"https://www.wikidata.org/wiki/Q635217","display_name":"Probit model","level":2,"score":0.4410000145435333},{"id":"https://openalex.org/C96250715","wikidata":"https://www.wikidata.org/wiki/Q965330","display_name":"Estimation","level":2,"score":0.4277999997138977},{"id":"https://openalex.org/C182306322","wikidata":"https://www.wikidata.org/wiki/Q1779371","display_name":"Order (exchange)","level":2,"score":0.42160001397132874},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.40450000762939453},{"id":"https://openalex.org/C184314375","wikidata":"https://www.wikidata.org/wiki/Q3117995","display_name":"Probit","level":2,"score":0.4034999907016754},{"id":"https://openalex.org/C2776035688","wikidata":"https://www.wikidata.org/wiki/Q1606558","display_name":"Affect (linguistics)","level":2,"score":0.4027000069618225},{"id":"https://openalex.org/C2780009758","wikidata":"https://www.wikidata.org/wiki/Q6804172","display_name":"Measure (data warehouse)","level":2,"score":0.3912000060081482},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.3804999887943268},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.3346000015735626},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.3343999981880188},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.325300008058548},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3131999969482422},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.3131999969482422},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.3050000071525574},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2874000072479248},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.28630000352859497},{"id":"https://openalex.org/C58489278","wikidata":"https://www.wikidata.org/wiki/Q1172284","display_name":"Data set","level":2,"score":0.28200000524520874},{"id":"https://openalex.org/C2776943663","wikidata":"https://www.wikidata.org/wiki/Q165687","display_name":"Human capital","level":2,"score":0.27410000562667847},{"id":"https://openalex.org/C120784921","wikidata":"https://www.wikidata.org/wiki/Q17086363","display_name":"Multivariate probit model","level":2,"score":0.2718000113964081},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.26249998807907104},{"id":"https://openalex.org/C27574286","wikidata":"https://www.wikidata.org/wiki/Q320723","display_name":"Variables","level":2,"score":0.2531000077724457}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:vjol.info.vn:article/115141","doi":null,"is_oa":true,"landing_page_url":"https://vjol.info.vn/index/article/view/115141","pdf_url":null,"source":{"id":"https://openalex.org/S5407056413","display_name":"Journal of Science and Development Economics","issn_l":"2588-1272","issn":["2588-1272","3093-3714"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2588-1272","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:vjol.info.vn:article/115141","doi":null,"is_oa":true,"landing_page_url":"https://vjol.info.vn/index/article/view/115141","pdf_url":null,"source":{"id":"https://openalex.org/S5407056413","display_name":"Journal of Science and Development Economics","issn_l":"2588-1272","issn":["2588-1272","3093-3714"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2588-1272","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4411353868","https://openalex.org/W4388348681","https://openalex.org/W3084202866","https://openalex.org/W2972695971","https://openalex.org/W4375860058","https://openalex.org/W2994362891","https://openalex.org/W4401315781","https://openalex.org/W6981747511","https://openalex.org/W4410429521","https://openalex.org/W4392291613"],"abstract_inverted_index":{"This":[0],"study":[1,56],"aims":[2],"to":[3,11,21,65,97,133,137],"measure":[4],"the":[5,30,61,67,76,92,101,128,140,146],"factors":[6,68],"that":[7,69,80,85],"affect":[8,70],"households'":[9,135],"ability":[10,93],"access":[12,28,98,136],"credit":[13,27,45,71,99,138],"at":[14,47,100,139],"Vietcombank":[15,48,141],"Vinh":[16,49,142],"Long.":[17],"The":[18,32,55,73],"goal":[19],"was":[20],"provide":[22],"management":[23,131],"implications":[24,132],"for":[25],"improving":[26],"in":[29,105,145],"future.":[31,148],"research":[33],"data":[34],"set":[35],"consisted":[36],"of":[37,75,94,108],"survey":[38],"information":[39],"from":[40],"210":[41],"households":[42],"who":[43],"submitted":[44],"applications":[46],"Long":[50,143],"until":[51],"December":[52],"31,":[53],"2021.":[54],"used":[57],"descriptive":[58],"statistics":[59],"and":[60,120],"Probit":[62],"regression":[63],"model":[64,77],"analyze":[66],"access.":[72],"results":[74],"estimation":[78],"showed":[79],"there":[81],"were":[82,110],"seven":[83],"variables":[84],"had":[86],"a":[87],"statistically":[88],"significant":[89],"impact":[90],"on":[91,125],"individual":[95],"customers":[96],"bank.":[102],"These":[103],"variables,":[104],"descending":[106],"order":[107],"impact,":[109],"loan":[111,115],"history,":[112],"age,":[113],"occupation,":[114],"purpose,":[116],"collateral,":[117],"average":[118],"income,":[119],"capital":[121],"use":[122],"plan.":[123],"Based":[124],"these":[126],"findings,":[127],"authors":[129],"proposed":[130],"improve":[134],"branch":[144],"near":[147]},"counts_by_year":[],"updated_date":"2026-10-07T09:51:55.459714","created_date":"2026-10-06T00:00:00"}