Authors :
Nguyen Thi Phuong Anh
Volume/Issue :
Volume 6 - 2021, Issue 6 - June
Google Scholar :
http://bitly.ws/9nMw
Scribd :
https://bit.ly/2S56yT0
Abstract :
This research is conducted to build and test a
theoretical model among factors affecting individual
customers' borrowing decisions at Sacombank-Vung
Tau. The study used qualitative research method
combined with quantitative research. The research
results show that the factors influencing the customer's
decision to choose a loan bank include: bank image (β =
0.269); service staff (β = 0.2); financial benefits (β =
0.438); suggesting relatives (β = 0.276). The four factors
explains 70% of the variance in the decision to choose a
loan bank. The research results provide suggestions to
the bank managers in improving major factors to
increase the customers' decision to borrow capital at the
bank. Some limitations and future research directions
are also mentioned.
Keywords :
Decision to Choose a Loan Bank, Individual Customers
This research is conducted to build and test a
theoretical model among factors affecting individual
customers' borrowing decisions at Sacombank-Vung
Tau. The study used qualitative research method
combined with quantitative research. The research
results show that the factors influencing the customer's
decision to choose a loan bank include: bank image (β =
0.269); service staff (β = 0.2); financial benefits (β =
0.438); suggesting relatives (β = 0.276). The four factors
explains 70% of the variance in the decision to choose a
loan bank. The research results provide suggestions to
the bank managers in improving major factors to
increase the customers' decision to borrow capital at the
bank. Some limitations and future research directions
are also mentioned.
Keywords :
Decision to Choose a Loan Bank, Individual Customers
