Entrepreneurship and Sustainability Issues is a peer-reviewed journal which publishes original research papers and case studies

Purpose: To study and quantify the impact of financial literacy on the decision to use a mobile payment application. Case study of households that have just escaped poverty in Hanoi. Theoretical framework: The foundation for building a theoretical framework is the content of personal finance knowledge in this study, including (i) financial knowledge, (ii) financial attitudes, (iii) financial skills and (iv) financial behavior. Financial literacy is assessed using a combination of objective multiple-choice questions and self-assessment. Methods: The study is based on survey data collected through a structured online questionnaire for newly lifted household heads, as well as secondary data collected from respondents' profiles. Research data were collected from 186 responses using convenient non-probability sampling technique and analyzed by descriptive statistics, ANOVA analysis and Binary Logistic regression analysis. ANOVA analysis showed a statistically significant relationship between the groups of subjects in terms of personal financial knowledge (in both self-assessment method and objective test method). Results and conclusions: Binary Logistic regression results show that the main variables that positively affect the probability of a new household head out of poverty include Personal Financial Knowledge, Personal Financial Behavior, Gender, Status Occupation and Education Level. Financial attitudes and Religion have a negative impact on the ability of household heads to decide to use mobile payment applications. Finding implication: The findings will contribute to differences in financial knowledge and financial behavior. Financial behavior in this study is considered as the decision to use mobile payment service of Hanoi households who have just escaped poverty. We also looked at the effects of gender, age, occupation, religion, marital status, family role, and years out of poverty. Uniqueness/value: The research results are the basis for proposing governance implications as well as policy recommendations to improve the personal financial knowledge of newly-escaped household heads, encouraging them to use the service. mobile payment services, thereby helping them achieve their goals of economic recovery and sustainable development.

Purpose: The Newly-Escaped-Poverty-List householders (NEPLH) in Vietnam served as the survey subjects for this study, which sought to determine the impact of "Personal Financial Literacy" on "The Probability of Using Lending Services of Vietnam Bank for Social Policies (P_VBSP)" and "The Probability of Using Informal Private Lending Services (P_ILC)". Design/methodology/approach: Survey data were collected from 186 respondents, by structured online questionnaire with convenient non-probability sampling technique. Aspects of personal financial literacy (FLi) such as personal financial knowledge (FL1), personal financial skills (FL2), personal financial attitude (FL3), and personal financial behavior (FL4) are measured. When respondents were divided into groups based on subgroup criteria (CVj), such as gender, age, marital status, role in the family, career, education level, religion, and number of years since being removed from the list of poor households, ANOVA techniques were used to examine differences in various aspects of personal financial literacy. The impact of FLi and subgroup variables (CVj) on P_VBSP and P_ILC was assessed using the binary logistic regression analysis technique. Findings: Research results show that there is a statistical difference in the average score of FL1, FL2, FL3 and FL4. The research findings also show that FL2, FL4, and "Career Status – CAR" have a positive impact on P_VBSP, while "Aged group - AGE", "Education level - EDU", and "Number of years since being removed from the list of poor households - YEAR" have a negative impact on P_VBSP. Meanwhile, the P_ILC is positive influenced by the AGE factor and moves in the opposite direction of FL2, FL4, EDU, and YEAR. Research, Practical & Social implications: The research findings provide the basis for governance implications as well as policy recommendations to promote financial literacy among the NEPLH in Vietnam, encouraging them access policy lending services from the Vietnam Bank for Social Policies, and at the same time help them stay away from informal private lending services, thereby helping them to reduce poverty and achieve sustainable economic development family. Originality/value: A theoretical framework for personal finance literacy, including (i) financial knowledge, (ii) financial attitude, (iii) financial skills, and (iv) financial behavior, has been developed by the authors after reviewing earlier studies. At the same time, it is more significant to measure financial literacy by objective assessment than relying on the subjective self-assessment of each respondent in the context of actual study in Vietnam. In the model analyzing the influence of personal financial literacy on the decision of Newly-Escaped-Poverty-List householders in choosing the Vietnam Bank for Social Policies or Informal Private Credit Channels, the authors also took into account additional factors including gender, age group, marital status, role in the family, career, education level, religion, and number of years since being removed from the list of poor households.

Purpose: This study examines important characteristics that affect student satisfaction with the graduate training services of the University of Commerce. Theoretical framework: Research models are developed based on service quality measurement models based on customers' desires and perceptions, such as models using the SERVQUAL scale. Research method: the author uses qualitative methods combined with quantitative methods using a non-probability stratified sampling survey method to analyze 216 postgraduate students of the University of Commerce. Results and discussion: According to research results, while most components of the University of Commerce's graduate training services are highly appreciated by students, other elements need to be maintained and improved. more good. Research results have identified a key factor (Trust & Quality of the training program) that affects the satisfaction of graduate students at the University of Commerce. Research Implications: The research results serve as a foundation for making a variety of proposals and recommendations to support the long-term development of postgraduate training services in emerging countries. Originality/value: Research results have identified a key factor: Trust & Quality of the training program that has the greatest impact on the satisfaction of graduate students at the University of Commerce.