https://vjol.info.vn/DHMHCM-KTQTKD/issue/feed 2026-03-30T10:33:44+07:00 Open Journal Systems <p><strong>Tạp chí của Trường Đại học Mở Thành phố Hồ Chí Minh</strong></p> https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136541 2026-03-30T10:30:54+07:00 Alberto Jimenez Colminas, Jr. leomarich.casinillo@g.msuiit.edu.ph Karen Luz Pacetes Yap karen.yap@vsu.edu.ph Leomarich Fortugaliza Casinillo leomarich.casinillo@vsu.edu.ph

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;This paper evaluated the extension delivery services and corn farmers’ Knowledge, Attitudes, and Practices (KAP) toward corn production in Camotes Islands, Philippines. A sample of 232 corn farmers were interviewed for the primary data collection and analyzed using appropriate statistical tools such as descriptive metrics and correlation analysis. Results revealed that most (79.74%) of the corn farmers exhibited a moderate knowledge of corn production methods, suggesting room for educational initiatives to optimize yields. Although most farmers displayed positive attitudes (52.16%) and good practices (76.73%), concerns about environmental vulnerability, particularly drought, underscored the challenges posed by climate change. Areas like irrigation and pest control require further attention, and only the other sources of income had positively correlated (p-value &lt; 0.05) to the level of knowledge. Demographics had minimal influence (not significant correlation; p-value &gt; 0.05) on attitudes, while age showed a negative correlation (p-value &lt; 0.05) with practices, and education (p-value &lt; 0.05), farm size (p-value &lt; 0.05), and landownership (p-value &lt; 0.01) positively influenced practices. Conclusively, extension services must prioritize middle-aged farmers, those with larger farms or higher incomes, as they may be more receptive to new practices. The need for collaborative efforts between lead agencies was recommended to improve farmers’ access to resources, financial aid, and training opportunities and revisit policies. Equally important was empowering corn farmers’ KAP to change the agricultural landscape successfully. Policy changes like input subsidies, irrigation infrastructure, and the promotion of sustainable pest management were also suggested solutions.&lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136539 2026-03-30T10:31:33+07:00 Volkan Soner Özsoy volkansoner1@gmail.com

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;The digitalization of countries is essential since the process is related to processes of production, operation, and digitalization. Therefore, this study aims to measure the efficiency of the digitalization levels of the countries. The Data Envelopment Analysis method is an efficiency measurement tool and has different models. The CCR model, while widely used, has limitations such as zero weighting issues and discrimination power constraints. The findings showed that the CCR model considered certain factors in the calculation phase and did not take into account others. According to the result of the analysis, the Czech Republic’s performance score was obtained by considering only two variables out of seven. This situation prevents accurate performance assessment. In addition, while there are 08 countries in efficient positions according to the result of the CCR model, it is not possible to rank them. Therefore, they were analyzed using the cross efficiency model. According to the result of cross efficiency model, Sweden ranks first in terms of digitalization levels, while the Netherlands is in second place and Slovenia is last. A unique ranking was obtained by considering all the variables. Therefore, the digitalization levels of countries were measured using the cross efficiency model, which can both create a unique ranking and obtain more consistent weights.&lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136537 2026-03-30T10:32:01+07:00 Tien Thuan Luu ltthuan@ctu.edu.vn Quynh Anh Tieu anhm1424053@gstudent.ctu.edu.vn Quang Nhat Nguyen nguyenquangnhat1555@gmail.com

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;The research aims to identify the factors that influence continuance intention towards the MoMo e-wallet of customers living in Can Tho and Ho Chi Minh City. This study extends the Theory of Planned Behavior and Technology Acceptance Model&lt;/span&gt; &lt;span style="font-weight: 400;"&gt;by integrating situational normality and security perceptions in fintech adoption. Using a convenient sampling technique, the author has collected data from 248 respondents in Can Tho and Ho Chi Minh City, then proceeded to analyze the data to achieve research objectives. Accordingly, descriptive statistics, Cronbach’s Alpha reliability test, confirmatory factor analysis and structural equation modeling analysis methods were performed thoughout the thesis. The results reveal that all thirteen hypothesized paths are statistically significant. Out of the accepted results, Trust significantly impacts continuance intention (β = 0.58, p &lt; 0.01), while perceived security has a moderate effect (β = 0.41, p &lt; 0.05), are the most profound because they explain the success of MoMo in the highly competitive market of fintech and banking apps. Also, there is a significant means difference in terms of continuance intention among people in Can Tho City and Ho Chi Minh City.&lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136535 2026-03-30T10:32:29+07:00 Quang Khai Nguyen khai.nq@ou.edu.vn Thi Minh Hue Phan hue.ptm@ou.edu.vn Nguyen Thanh Nhan Pham nhan.pnt@ou.edu.vn

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;In the context of developing countries striving to balance economic growth and environmental protection, this study investigates the relationship between carbon dioxide (CO&lt;/span&gt;&lt;span style="font-weight: 400;"&gt;₂&lt;/span&gt;&lt;span style="font-weight: 400;"&gt;) emissions and economic growth, with a particular focus on the moderating role of institutional quality in developing countries. Using panel data from 74 developing economies spanning the period 1995 - 2021, sourced from the World Bank, the analysis reveals two key findings. First, there is evidence of a U-shaped relationship between CO&lt;/span&gt;&lt;span style="font-weight: 400;"&gt;₂&lt;/span&gt;&lt;span style="font-weight: 400;"&gt; emissions and economic growth, indicating that at early stages of development, growth tends to increase emissions, but beyond a certain point, further growth leads to reduced emissions. Second, institutional quality is shown to play an important role in reducing the carbon dependency of growth. The greater the institutional quality, the weaker the positive relationship between economic growth and CO&lt;/span&gt;&lt;span style="font-weight: 400;"&gt;₂&lt;/span&gt;&lt;span style="font-weight: 400;"&gt; emissions. This suggests that improved institutions could allow developing nations to follow a less carbon-dependent, more sustainable development path. Such implications for policy carry considerable importance for balancing economic development and environmental sustainability. &lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136538 2026-03-30T10:32:51+07:00 Tuan Anh Nguyen nguyentuananh@neu.edu.vn Thi Thuy Dung Tran dungtran@neu.edu.vn Tuan Anh Vuong tcvta1508@gmail.com

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;This study investigates the impact of corporate governance factors on agency problems in 42 listed real estate companies on the Vietnam stock exchange from 2013 to 2023, utilizing 462 observations and the Feasible Generalized Least Squares (FGLS) model. Despite growing attention to agency problems globally, research on Vietnam’s real estate sector remains limited, particularly regarding the role of governance mechanisms in mitigating these issues. The findings indicate that a higher proportion of board members involved in managerial roles, cash dividend policy, and the total debt-to-total assets ratio helps alleviate agency problems within firms. Conversely, board gender diversity presents challenges to decision-making efficiency, potentially leading to increased agency conflicts. Additionally, the analysis suggests that an optimal board size of 04 to 06 members enhances monitoring effectiveness, thereby strengthening corporate governance. These insights contribute to the understanding of agency costs in Vietnam’s real estate sector and offer valuable implications for policymakers and practitioners seeking to refine governance structures and improve corporate oversight.&lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136536 2026-03-30T10:33:19+07:00 Gia Bao Ngoc Doan ngocdgb22416c@st.uel.edu.vn Minh Quan Luu quanlm22416c@st.uel.edu.vn Thi Thanh Ha Truong hattt22416c@st.uel.edu.vn Duc Minh Tan Nguyen tannd22416c@st.uel.edu.vn Thi Minh Huyen Phan huyenptm22416c@st.uel.edu.vn Duy Thanh Tran thanhtd@uel.edu.vn

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Amid rising competition in the insurance sector, optimizing cross-selling strategies is crucial for sustainable growth and requires a deep understanding of customer behavior. This study proposes a machine learning-driven framework for cross-sell prediction to enhance personalization, increase conversion rates, and maximize return on investment. Using 381,109 customer records from an insurance company, the data undergoes preprocessing steps including outlier treatment for Annual Premium, encoding categorical variables such as Gender and Vehicle Age, and standardizing numerical features like Age, Annual Premium, and Vintage. To address class imbalance in the Response variable, where only 12.26 percent of customers responded positively, Borderline-Synthetic Minority Over-sampling Technique (Borderline-SMOTE) is applied to generate synthetic samples and improve prediction accuracy. Four machine learning models, including Logistic Regression, Decision Tree, Random Forest, and XGBoost, are trained and evaluated using Accuracy, Receiver Operating Characteristic - Area Under the Curve (ROC-AUC), Mean Absolute Error, Mean Squared Error, and Root Mean Squared Error. Among these, XGBoost with Borderline-SMOTE achieves the best performance, with an accuracy of 0.84 and a ROC-AUC score of 0.8436, representing a significant improvement over the baseline XGBoost model with a ROC-AUC of 0.7768. Logistic Regression also improves, with its ROC-AUC increasing from 0.8250 to 0.8451. Visual analysis reveals behavioral patterns, such as a 25 percent purchase rate among customers with vehicles older than two years and a 20 percent rate among male customers with prior vehicle damage. The study delivers a high-performing predictive model to support targeted marketing efforts, potentially increasing cross-sell conversion rates by 5 to 10 percent. Future work will explore deep learning techniques and larger datasets to further enhance prediction capabilities&lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c) https://vjol.info.vn/DHMHCM-KTQTKD/article/view/136540 2026-03-30T10:33:44+07:00 Nang Thang Pham thang.pn@ou.edu.vn Trung Tin Truong 2254022155tin@ou.edu.vn Le Minh Thu Do 2254022136thu@ou.edu.vn Tran Thang Nguyen 2254022119thang@ou.edu.vn Thi Thu Thao Do 2254022124thao@ou.edu.vn

&lt;p&gt;&lt;span style="font-weight: 400;"&gt;The study aims to assess the impact of international tourism on income inequality in 67 developing countries on a global scale during the period from 2005 to 2022. The Generalized Method of Moments (GMM)&lt;/span&gt; &lt;span style="font-weight: 400;"&gt;estimate technique is used to estimate econometric models and provide new insights. Quantitative research results indicate that tourism exerts both linear and nonlinear effects on income inequality. Thus, tourism development serves as a mechanism for reducing inequality in developing countries, following an inverted U-shaped pattern. The study's results fill the current research gap and provide a clear answer to the debates in the scientific community when considering the impact of tourism on income inequality in line with the Kuznets curve hypothesis. Furthermore, the models are categorized to examine the influence of macroeconomic factors, internal factors, and international factors on the dependent variable separately, providing a more general frame of reference when studying the relationship between tourism development and income inequality in developing countries. &lt;/span&gt;&lt;/p&gt;

2025-09-07T00:00:00+07:00 Bản quyền (c)