organized in small groups only 3.5%. Similar to other activities, the way of organizing career guidance activities is still in the direction of concentration, integration without focusing on organizing career guidance according to the CTXHN process for a small group to meet the needs of the children. That shows that the form of organizing career guidance activities is not really suitable. With 3.5% of opinions answering "Other", the author conducted in-depth interviews and learned that these were TEMCs who never participated because they were new to the Village or Center.
Comparing the three facilities, the form of career guidance group organization also has certain differences:
Table 3.14. Form of career guidance group organization compared between three facilities
Form of career guidance group organization
Birla Children's Village HN | SOS Children's Village Hanoi | TTBTXH 4 | Total | |
Organize into small groups | 4 44.4 | 3 33.3 | 2 22.2 | 9 |
Organize groups by family house/room | 5 41.6 | 4 33.3 | 3 25.0 | 12 |
Organize and integrate into general activities of the group. Children's Village/TTBTXH | 19 31.7 | 34 56.6 | 7 11.6 | 60 |
Other | 1 33.3 | 2 66.6 | 0 0.0 | 3 |
Total | 29 | 43 | 12 | 84 100.0 |
Maybe you are interested!
-
Solutions for tourism development in Tien Lang - 10
zt2i3t4l5ee
zt2a3gstourism, tourism development
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- District People's Committees and authorities of communes with tourist attractions should support, promote, and provide necessary information to people, helping them improve their knowledge about tourism. Raise tourism awareness for local people.
*
* *
Due to limited knowledge and research time, the thesis inevitably has shortcomings. Therefore, I look forward to receiving guidance from teachers, experts as well as your comments to make the thesis more complete.
Chapter III Conclusion
Through the issues presented in Chapter II, we can come to some conclusions:
Based on the strengths of available tourism resources, the types of tourism in Tien Lang that need to be promoted in the coming time are sightseeing and resort tourism, discovery tourism, weekend tourism. To improve the quality and diversify tourism products, Tien Lang district needs to combine with local cultural tourism resources, at the same time combine with surrounding areas, build rich tourism products. The strengths of Tien Lang tourism are eco-tourism and cultural tourism, so developing Tien Lang tourism must always go hand in hand with restoring and preserving types of cultural tourism resources. Some necessary measures to support and improve the efficiency of exploiting tourism resources in Tien Lang are: strengthening the construction of technical facilities and labor force serving tourism, actively promoting and advertising tourism, and expanding forms of capital mobilization for tourism development.
CONCLUDE
I Conclusion
1. Based on the results achieved within the framework of the thesis's needs, some basic conclusions can be drawn as follows:
Tien Lang is a locality with great potential for tourism development. The relatively abundant cultural tourism resources and ecological tourism resources have great appeal to tourists. Based on this potential, Tien Lang can build a unique tourism industry that is competitive enough with other localities within Hai Phong city and neighboring areas.
In recent years, the exploitation of the advantages of resources to develop tourism and build tourist routes in Tien Lang has not been commensurate with the available potential. In terms of quantity, many resource objects have not been brought into the purpose of tourism development. In terms of time, the regular service time has not been extended to attract more visitors. Infrastructure and technical facilities are still weak. The labor force is still thin and weak in terms of expertise. Tourism programs and routes have not been organized properly, the exploitation content is still monotonous, so it has not attracted many visitors. Although resources have not been mobilized much for tourism development, they are facing the risk of destruction and degradation.
2. Based on the results of investigation, analysis, synthesis, evaluation and selective absorption of research results of related topics, the thesis has proposed a number of necessary solutions to improve the efficiency of exploiting tourism resources in Tien Lang such as: promoting the restoration and conservation of tourism resources, focusing on investment and key exploitation of ecotourism resources, strengthening the construction of infrastructure and tourism workforce. Expanding forms of capital mobilization. In addition, the thesis has built a number of tourist routes of Hai Phong in which Tien Lang tourism resources play an important role.
Exploiting Tien Lang tourism resources for tourism development is currently facing many difficulties. The above measures, if applied synchronously, will likely bring new prospects for the local tourism industry, contributing to making Tien Lang tourism an important economic sector in the district's economic structure.
REFERENCES
1. Nhuan Ha, Trinh Minh Hien, Tran Phuong, Hai Phong - Historical and cultural relics, Hai Phong Publishing House, 1993
2. Hai Phong City History Council, Hai Phong Gazetteer, Hai Phong Publishing House, 1990.
3. Hai Phong City History Council, History of Tien Lang District Party Committee, Hai Phong Publishing House, 1990.
4. Hai Phong City History Council, University of Social Sciences and Humanities, VNU, Hai Phong Place Names Encyclopedia, Hai Phong Publishing House. 2001.
5. Law on Cultural Heritage and documents guiding its implementation, National Political Publishing House, Hanoi, 2003.
6. Tran Duc Thanh, Lecture on Tourism Geography, Faculty of Tourism, University of Social Sciences and Humanities, VNU, 2006
7. Hai Phong Center for Social Sciences and Humanities, Some typical cultural heritages of Hai Phong, Hai Phong Publishing House, 2001
8. Nguyen Ngoc Thao (editor-in-chief, Tourism Geography, Hai Phong Publishing House, two volumes (2001-2002)
9. Nguyen Minh Tue and group of authors, Hai Phong Tourism Geography, Ho Chi Minh City Publishing House, 1997.
10. Nguyen Thanh Son, Hai Phong Tourism Territory Organization, Associate Doctoral Thesis in Geological Geography, Hanoi, 1996.
11. Decision No. 2033/QD – UB on detailed planning of Tien Lang town, Hai Phong city until 2020.
12. Department of Culture, Information, Hai Phong Museum, Hai Phong relics
- National ranked scenic spot, Hai Phong Publishing House, 2005. 13. Tien Lang District People's Committee, Economic Development Planning -
Culture - Society of Tien Lang district to 2010.
14.Website www.HaiPhong.gov.vn
APPENDIX 1
List of national ranked monuments
STT
Name of the monument
Number, year of decisiondetermine
Location
1
Gam Temple
938 VH/QĐ04/08/1992
Cam Khe Village- Toan Thang commune
2
Doc Hau Temple
9381 VH/QĐ04/08/1992
Doc Hau Village –Toan Thang commune
3
Cuu Doi Communal House
3207 VH/QĐDecember 30, 1991
Zone II of townTien Lang
4
Ha Dai Temple
938 VH/QĐ04/08/1992
Ha Dai Village –Tien Thanh commune
APPENDIX II
STT
Name of the monument
Number, year of decision
Location
1
Phu Ke Pagoda Temple
178/QD-UBJanuary 28, 2005
Zone 1 - townTien Lang
2
Trung Lang Temple
178/QD-UBJanuary 28, 2005
Zone 4 – townTien Lang
3
Bao Khanh Pagoda
1900/QD-UBAugust 24, 2006
Nam Tu Village -Kien Thiet commune
4
Bach Da Pagoda
1792/QD-UB11/11/2002
Hung Thang Commune
5
Ngoc Dong Temple
177/QD-UBNovember 27, 2005
Tien Thanh Commune
6
Tomb of Minister TSNhu Van Lan
2848/QD-UBSeptember 19, 2003
Nam Tu Village -Kien Thiet commune
7
Canh Son Stone Temple
2160/QD-UBSeptember 19, 2003
Van Doi Commune –Doan Lap
8
Meiji Temple
2259/QD-UBSeptember 19, 2002
Toan Thang Commune
9
Tien Doi Noi Temple
477/QD-UBSeptember 19, 2005
Doan Lap Commune
10
Tu Doi Temple
177/QD-UBJanuary 28, 2005
Doan Lap Commune
11
Duyen Lao Temple
177/QD-UBJanuary 28, 2005
Tien Minh Commune
12
Dinh Xuan Uc Pagoda
177/QD-UBJanuary 28, 2005
Bac Hung Commune
13
Chu Khe Pagoda
177/QD-UBJanuary 28, 2005
Hung Thang Commune
14
Dong Dinh
2848/QD-UBNovember 21, 2002
Vinh Quang Commune
15
President's Memorial HouseTon Duc Thang
177/QD-UBJanuary 28, 2005
NT Quy Cao
Ha Dai Temple
Ben Vua Temple
Tien Lang hot spring
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Experimental Group Social Work Process for Orphans -
Proposing Some Solutions To Promote Group Social Work Activities For Orphans In Child Care Facilities -
Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branch's income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giang's profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project "Restructuring the system of credit institutions in the period 2011-2015" approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: "Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services".
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giang's products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Minister's Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers' cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giang's treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giang's income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giang's corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giang's card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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Managing child care and education activities at the Center for Comprehensive Social Protection and Social Work of Bac Kan province - 16
(Source: Research survey results, 2017)
All three facilities showed that the form of career guidance organization was mainly integrated into the general activities of the Center/Village with 71.4%. There were also 10.7% of opinions that "Organized in small groups".
Excerpted from in-depth interviews, some TEMCs said that when they encounter difficulties, they proactively go to see NVCTXH:
“Here we are in grade 12 this year, so if we have any questions, we go together to see Ms. Tam or Mr. Th, and ask them to advise our group” (IDI, female, 15 years old - SOS Children's Village).
Excerpts from some other in-depth interviews:
“I am also worried about what to do after I grow up and leave the village, but right now I don’t know what job I should do. Sometimes in my village, there are uncles and aunts who talk about jobs in the hall” (IDI, female, 16 years old – Birla Children’s Village, Hanoi).
“It is true that career guidance is very important, isn't it, ladies? But up to now, it has been difficult to do career guidance counseling for small groups as you said, and we have not been able to do it either. Usually, we just focus on the hall to share with the children and answer questions” (PVS, female, 36 years old - TTBTXH4).
* Career guidance results
Because the way career guidance is organized for TEMC is mainly focused and integrated into activities, the results of career guidance activities have not been very helpful for TEMC.
Table 3.15. Results of career guidance group activities
Form of career guidance group organization
Help the Team members understand their own capabilities | Understand the needs of the labor market dynamic | Help the member choose a career that suits you me | Not clearly understanding the content of career guidance sessions | Total | |
Organized by small group | 2 | 1 | 1 | 5 | 9 10.7 |
Organize groups by per family/room | 3 | 2 | 1 | 6 | 12 14.2 |
Organize and integrate into general activities of the group. Children's Village/TTBTXH | 2 | 4 | 2 | 52 | 60 71.4 |
Organize into small groups | 3 | 0 | 0 | 0 | 3 3.6 |
Total | 84 100.0 | ||||
(Source: Research survey results, 2017)
Comparing each aspect shows that the results of career guidance group activities organized by the three facilities are mainly integrated into the activities when up to 60 opinions, accounting for 71.4%, said that the results of career guidance sessions were not effective because children did not fully understand the content of the career guidance sessions.
Excerpts from in-depth interviews with leaders and social workers at Birla Children's Village Hanoi show that the majority of opinions agree that the need for career guidance for children is very high. Helping children find a suitable direction and support themselves in the future is always a difficult problem for the Children's Village.
“The children are all orphans, so we are very worried when they enter grade 12. Many of them have very poor academic performance, it is difficult to study culture and they are passive in vocational training. Therefore, career guidance for the children is always a challenge for the Village” (PVS, male, 55 years old, Birla Children's Village Hanoi).
Thus, it can be seen that the forms of organizing career guidance groups greatly affect the results of the activities. Therefore, it is necessary to have appropriate ways of organizing career guidance groups and meeting the needs of children properly and sufficiently. This also shows that current career guidance activities at facilities have not been organized and implemented according to the process of social work, nor have the color of social work. Therefore, career guidance activities are not effective.
3.3.3. Current status of knowledge enhancement propaganda activities
* Content of group activities to propagate and improve knowledge
Awareness raising is an important activity for TEMC care facilities. Awareness raising is the act of equipping and providing children with basic information related to self-protection and self-care activities as well as learning how to cope with stress and difficulties in studying and in life...
Up to 85.0% of the respondents said that their children had participated in knowledge-enhancing propaganda groups. For those children who had never participated in knowledge-enhancing propaganda groups, the majority were children who had just arrived at the Center/Village or children who were sick...
Excerpt from in-depth interview below:
“ I fully participate in the Center’s propaganda sessions because it is a rule that everyone must participate. During those sessions, the social workers often teach us about things like: avoiding abuse, being bullied at school, or girls knowing how to take care of themselves…” (Investigator, female, 13 years old – TTBTXH4).
Excerpts from some other in-depth interviews:
“The village often has propaganda sessions, it could be the village social workers or volunteer students who teach us knowledge related to puberty physiology or traffic safety issues” (Investigator, male, 16 years old - Biral Children's Village, Hanoi).
Knowledge enhancement activities were organized in almost all three facilities with different frequencies ( Table 3.16 ).
Table 3.16. Frequency of children participating in knowledge enhancement propaganda groups
Frequency of children participating in knowledge enhancement propaganda groups
Frequency | Frequency (%) | |
1 month/1 time | 18 | 11.3 |
2 months/1 time | 34 | 21.2 |
3 to 6 months/1 time | 52 | 32.7 |
6 to 9 months/1 time | 47 | 29.5 |
9 to 12 months/1 time | 8 | 5.0 |
Total | 159 | 100.0 |
(Source: Research survey results, 2017)
The survey results show that the frequency of participation in knowledge enhancement propaganda sessions of the three facilities is quite frequent, with 32.7% of opinions stating that students participate periodically from 3 to 6 months/1 time. Besides, 11.3% of opinions state that students participate periodically once a month/1 time.
Excerpt from in-depth interviews about the frequency of children participating in knowledge-enhancing propaganda activities:
“ We often participate in knowledge-enhancing propaganda classes like you said about once a month, teacher. Sometimes we participate in the hall, sometimes we participate in class, and sometimes we participate right at our homes organized by student interns! ” (PVS, female, 16 years old)
– SOS Children's Village).
Excerpts from some other in-depth interviews from NVCTXH:
“ If we cannot organize career guidance regularly, we organize knowledge promotion activities very often, every 3 to 6 months, sometimes even every 2 months. But we cannot organize them in small groups like you said, we still do it together for all the children ” (PVS, female, 47 years old - SOS Children's Village).
Thus, the reason why 11.3% of children still think that knowledge promotion activities are organized periodically once a month is because they think that every session they participate in is knowledge promotion.
This shows that the activities of knowledge promotion are quite focused on and organized periodically and regularly by the facilities, but they are not yet organized in small groups to meet the needs of children. In the knowledge promotion sessions, there are many contents that the three facilities aim for:

Chart 3.5. Contents of propaganda to improve knowledge
(Source: Research survey results, 2017)
Chart 3.5 shows that up to 73.5% of opinions believe that the knowledge-enhancing propaganda sessions are mainly NVCTXH providing information to children, information that may be related to: abuse prevention, traffic safety, etc. Only 8.3% of opinions integrate activities into propaganda. However, although up to 73.5% of opinions believe that NVCXTH provide children with information through propaganda activities, small groups have not yet been established and organized according to the CTXHHN process.
Excerpt from in-depth interviews, most of the opinions of social workers said that they had organized propaganda groups to improve knowledge, but had not yet followed the social work process:
“ We have organized many propaganda activities, but to do as you said, gathering in small groups and following the steps like CTXHN, we really have not been able to do it ” (PVS, female, 40 years old - Birla Children's Village Hanoi).
* Group activities to promote and improve knowledge
From the actual survey of the current status of the form of knowledge-enhancing propaganda group activities compared between 3 facilities, the results showed that up to 107 opinions, accounting for 67.3%, said that this activity was organized periodically according to the regulations of the facility and only 9 opinions, accounting for 5.6%, said that the group was organized according to the needs and interests of the children. With those 5.6% of opinions, the majority of the propaganda activities were organized in accordance with the interests and hobbies of the children, so the children felt satisfied and thought that the activities were organized in accordance with their needs and interests:
Table 3.17. Form of organizing propaganda groups to improve knowledge for TEMC at SOS Children's Village, Birla Children's Village and TTBTXH4
Current residence
Organize according to children's needs and interests | Organize groups according to each family/room schedule | Organized according to the Village/Center's regular schedule | Other | Total | |
Birla Children's Village | 5 | 11 | 28 | 2 | 46 |
SOS Children's Villages | 2 | 21 | 49 | 3 | 75 |
TTBTXH 4 | 2 | 5 | 30 | 1 | 38 |
Total | 9 5.6 | 37 23.3 | 107 67.3 | 6 3.7 | 159 100.0 |
(Source: Research survey results, 2017)
Excerpts from in-depth interviews and group discussions show that most of the opinions are that children are involved in many different topics but still mainly follow the regular schedule of the Center/Children's Village:
“We occasionally attend sessions on many issues such as: how to protect health, prevent social evils... and gather in the hall, teacher” (PVS, male, 16 years old - Birla Children's Village Hanoi).
Excerpts from some other in-depth interviews:
My center also organizes it, teacher. Usually we sit in the hall and listen to the teachers teach us" (PVS, female, 15 years old - TTBTXH4).
“Our village also organizes regular propaganda activities, especially in the summer, the children basically participate quite fully, we often organize in the hall” (Investigator, female, 32 years old, Birla Children's Village Hanoi).
Similar to the organization of other contents, knowledge enhancement propaganda activities are also organized in a mass way, without differentiation of youth groups according to age, gender, problems, needs... That has a significant impact on the effectiveness of the propaganda session.
* Results of group activities to promote and improve knowledge
The general and mass organization method has significantly affected the effectiveness of the propaganda session to improve knowledge for TEMC. Although there were 103 opinions, accounting for 64.7%, saying that " Helping members increase their knowledge ", but " Helping members apply it to handle situations " had only 26 opinions, accounting for 16.3%. There were also 7 opinions, accounting for 4.4%, saying "Other", different here is that children do not clearly understand the content of the propaganda sessions. The results are shown specifically in Table 3.18.
Table 3.18. Results of knowledge enhancement propaganda group activities
Propaganda activities to raise knowledge
Frequency | Frequency (%) | |
Help members gain more knowledge | 103 | 64.7 |
Help members protect and take care of themselves | 23 | 14.5 |
Help members apply to handle situations | 26 | 16.3 |
Other | 7 | 4.4 |
Total | 159 | 100.0 |
(Source: Research survey results, 2017)
Excerpt from TEMC in-depth interviews, most opinions said that although they felt happier when participating, they were not able to apply it to handle situations:
“Some propaganda sessions are fun, we learn more things, but there are topics that we want to ask because there are so many participants but we are shy” (PVS, female, 12 years old - TTBTXH4).
“We often participate in propaganda sessions about many issues in life, but we do not know how to practice when we have similar problems to the one we learned. For example, when I am bullied by a friend, I am still afraid of that friend and do not know what to do ” (IDI, male, 10 years old - SOS Children's Village).
Thus, the content of knowledge enhancement propaganda activities of childcare facilities has not been divided into small groups and directed to meet the needs, problems, ages, genders... of each group of children but is still implemented en masse. Therefore, the results of knowledge enhancement propaganda activities have not been effective and do not have the color of the CTXHHN method.
3.3.4. Current status of intervention and therapy activities
* Content of intervention and therapy activities
Intervention and therapy are important and necessary activities in the context of the care and support objects of the facilities, which are TEMC. TEMC are objects with many difficulties as well as in need of intervention and assistance to be able to cope with problems and overcome difficulties in the best way.
Currently, facilities have intervention and therapy activities for some young individuals when they encounter problems in life. However, intervention activities using the CTXHN method are still open and have not been implemented properly according to the process. Up to 68.0% of opinions said that children do not participate in small group intervention activities. This figure shows that CTXHN intervention activities of facilities
The remaining opinions that they were able to participate accounted for 32.0% of the opinions, but that does not necessarily mean that the children participated in the CTXHN intervention sessions, but because some children did not understand correctly about CTXHN intervention activities.
There are many opinions that being regularly involved in intervention and therapy activities:
Table 3.19. Frequency of children participating in the intervention group
Frequency of children participating in the intervention group
Frequency | Frequency (%) | |
1 week/1 time | 16 | 10.0 |
1 month/1 time | 29 | 18.2 |
1 to 3 months/1 time | 68 | 42.7 |
3 to 6 months/1 time | 28 | 17.8 |
6 to 12 months/1 time | 18 | 11.3 |
Total | 159 | 100.0 |
(Source: Research survey results, 2017)
The table shows that up to 42.7% of children said that they often receive group intervention when they encounter difficulties with a frequency of 1 to 3 months/1 time. However, when conducting in-depth interviews, the reality is not exactly like that.
Excerpt from in-depth interview below:
“I have not been able to participate in the intervention group as you mentioned, which means that those who have difficulties in studying, psychological problems... will be supported by the teachers. Usually, when a child has difficulties or problems, the teachers will meet him directly to help him. Like NTTh, he often runs away to play and does not listen to his mothers and teachers. He is also addicted to games, teacher. In his case, the teachers and teachers also advised and punished him, but he did not listen” (Information, male, 16 years old - Birla Children's Village, Hanoi).
Excerpts from some other in-depth interviews:
“I don’t understand anything about group intervention, but what you mean is that if any of us have difficulties or problems, the teachers will gather us together and help the whole group for a period of time, right? Hehe, we only participate in art groups or sports activities, teacher” (IDI, female, 13 years old - Social Protection Center 4).
With the view that there is group intervention, but the results of in-depth interviews show that in fact, the children are investigated by social workers and




![Pre-tax Profit of Bidv Tien Giang in the Period 2011-2015
zt2i3t4l5ee
zt2a3gsnon-credit services, joint stock commercial bank
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At that time, the Branch had to set aside a provision for credit risks, which reduced the Branchs income.
Chart 2.2. Pre-tax profit of BIDV Tien Giang in the period 2011-2015
Unit: Billion VND
140
120
100
80
60
40
20
0
63.3
80.34
89.29
110.08
131.99
2011 2012 2013 2014 2015
Profit before tax
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, through chart 2.2, it can be seen that BIDV Tien Giangs profit is still increasing continuously, and its operating efficiency is currently leaking. This is a contribution of non-credit services, and this service segment will be increasingly focused on growth by BIDV Tien Giang to ensure the highest profit safety because credit activities have many potential risks. At the same time, focusing on developing non-credit services is consistent with one of the contents of restructuring the financial activities of credit institutions in the project Restructuring the system of credit institutions in the period 2011-2015 approved by the Prime Minister in Decision No. 254/QD-TTg dated March 1, 2012 [14]: Gradually shifting the business model of commercial banks towards reducing dependence on credit activities and increasing income from non-credit services.
2.2. Current status of non-credit service development at BIDV Tien Giang.
2.2.1. BIDV Tien Giang has deployed the development of non-credit services in recent times.
Along with the development of the Head Office, BIDV Tien Giangs products and services are constantly improved and deployed in a diverse manner to ensure provision for many different customer groups in the area: individual customers, corporate customers, and financial institutions. Typical services are as follows: Payment services, treasury services, guarantee services, card services, trade finance, other services: Western Union, insurance commissions, consulting services, foreign exchange derivatives trading, e-banking services,...
2.2.1.1. Payment services:
In accordance with the Prime Ministers Project to promote non-cash payments in Vietnam [15], banks in Tien Giang province have continuously developed payment services to reduce customers cash usage habits through card services and electronic banking services such as: salary payment through accounts, focusing on developing card acceptance points, developing multi-purpose cards, paying social insurance by transfer, paying bills through banks, etc.
Chart 2.3. Net income from payment services in the period 2011-2015
Unit: Million VND
6000
5000
4000
3000
2000
1000
0
3922 4065
4720 5084 5324
2011 2012 2013 2014 2015
Net income from payment services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Along with the technological development of the entire system, BIDV Tien Giang has a payment system with a fairly stable transaction processing speed, bringing many conveniences to customers. The results of observing chart 2.3 show that the income from payment services that the Branch has achieved has grown over the years but the speed is not high and the products are not outstanding compared to other banks. Domestic payment products such as: Online bill payment, electricity bills, water bills, insurance premiums, cable TV bills, telecommunications fees, airline tickets, etc. bring many conveniences to customers. Regarding international payment, this is an indispensable activity for foreign economic activities, BIDV Tien Giang is providing international payment methods for small enterprises producing agriculture, aquatic food and seafood that have credit relationships with banks in industrial parks in Tien Giang province such as: money transfer, collection, L/C payment.
2.2.1.2. Treasury services:
BIDV Tien Giang always focuses on ensuring treasury safety and currency security, always complies with legal regulations, and minimizes risks in operations such as: counting and collecting money from customers, receiving and delivering internal transactions, collecting from the State Bank (SBV) or other credit institutions, receiving ATM funds, bundling money, etc. BIDV Tien Giangs treasury service management department is always fully equipped with modern machinery and equipment such as: money transport vehicles, fire prevention tools, money counters, money detectors, magnifying glasses, etc. to ensure absolute safety in treasury operations, immediately identifying real and fake money and other risks that may affect people and assets of the bank and customers. In addition, implementing regulation 2480/QC dated October 28, 2008 between the State Bank of Tien Giang province and the Provincial Police on coordination in the fight against counterfeit money, in the 3-year review of implementation, BIDV Tien Giang discovered, seized and submitted to the State Bank of Tien Giang province 475 banknotes of various denominations and was commended by the Provincial Police and the State Bank of Tien Giang province [17].
Chart 2.4. Net income from treasury services in the period 2011-2015
Unit: Million VND
350
300
250
200
150
100
50
0
105 122
309 289 279
2011 2012 2013 2014 2015
Net income from treasury services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
However, as shown in Figure 2.4, income from treasury operations is not high and fluctuates. Specifically, in the period 2011-2013, net income increased and increased most sharply in 2013, then in the period 2013-2015, there was a downward trend. This fluctuation is due to the fact that fees collected from treasury services are often very low and can even be waived to attract customers to use other services.
2.2.1.3. Guarantee and trade finance services:
BIDV Tien Giang, thanks to the advantages of the province and the favorable location of the Branch, has continuously focused on developing income from guarantee services and trade finance.
Chart 2.5. Net income from guarantee and trade finance services in the period 2011-2015
Unit: Million VND
14000
12000
10000
8000
6000
4000
2000
0
5193 5695
2742 3420
8889
3992
11604 12206
5143 5312
2011 2012 2013 2014 2015
Net income from guarantee services Net income from Trade Finance
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.5, we can see that BIDV Tien Giangs income from guarantee services and trade finance has grown over the years. The reason is: Among BIDV Tien Giangs corporate customers, the construction industry is the industry with the highest proportion of customers after the trading industry, this is a group of customers with potential to develop guarantee services. The second group of customers is corporate customers in the fields of agricultural production, livestock and seafood processing with high import and export turnover in the area.
are the target of trade finance development. In addition, BIDV Tien Giang also focuses on continuously developing these customer groups to increase revenue for many other products and services in the future.
2.2.1.4. Card and POS services:
As a service that BIDV Tien Giang has recently developed strongly, it can be said that this is a very potential market and has the ability to develop even more strongly in the future. Card services with outstanding advantages such as fast payment time, wide payment range, quite safe, effective and suitable for the integration trend and the Project to promote non-cash payments in Vietnam. Cards have become a modern and popular payment tool. BIDV Tien Giang early identified that developing card services is to expand the market to people in society, create capital mobilized from card-opened accounts, contribute to diversifying banking activities, enhance the image of the bank, bring the BIDV Tien Giang brand to people as quickly and easily as possible. BIDV Tien Giang is currently providing card types such as: credit cards (BIDV MasterCard Platinum, BIDV Visa Gold Precious, BIDV Visa Manchester United, BIDV Visa Classic), international debit cards (BIDV Ready Card, BIDV Manu Debit Card), domestic debit cards (BIDV Harmony Card, BIDV eTrans Card, BIDV Moving Card, BIDV-Lingo Co-branded Card, BIDV-Co.opmart Co-branded Card). These cards can be paid via POS/EDC or on the ATM system. In addition, with debit cards, customers can not only withdraw money via ATMs but also perform utilities such as mobile top-up, online payment, money transfer,... through electronic banking services.
In order to attract customers with card services, BIDV Tien Giang has continuously increased the installation of ATMs. As of December 31, 2015, BIDV Tien Giang has 23 ATMs combined with 7 ATMs in the same system of BIDV My Tho, so the number of ATMs is quite large, especially in the center of My Tho City, but is not yet fully present in the districts. Basic services on ATMs such as withdrawing money, checking balances, printing short statements,... BIDV ATMs accept cards from banks in the system.
Banknetvn and Smartlink, cards branded by international card organizations Union Pay (CUP), VISA, MasterCard and cards of banks in the Asian Payment Network. From here, cardholders can make bill payments for themselves or others at ATMs, by simply entering the subscriber number or customer code, booking code that service providers notify and make bill payments.
Chart 2.6. Net income from card services in the period 2011-2015
Unit: Million VND
3500
3000
2500
2000
1500
1000
500
0
687
1023
1547
2267
3104
2011 2012 2013 2014 2015
Net income from card services
(Source: Report on the implementation of the annual business plan of the General Planning Department of BIDV Tien Giang [24])
Through chart 2.6, it can be seen that BIDV Tien Giangs card service income is constantly growing because the Branch focuses on developing businesses operating in industrial parks, which are the source of customers for salary payment products, ATMs, BSMS. Specifically, there are companies such as Freeview, Quang Viet, Dai Thanh, which are businesses with a large number of card openings at the Branch, contributing to the increase in card service fees [25].
Table 2.6. Number of ATMs and POS machines in 2015 of some banks in Tien Giang area.
Unit: Machine
STT
Bank name
Number of ATMs
Cumulative number of ATM cards
POS machine
1
BIDV Tien Giang
23
97,095
22
2
BIDV My Tho
7
21,325
0
3
Agribank Tien Giang
29
115,743
77
4
Vietinbank Tien Giang
16
100,052
54
5
Dong A Tien Giang
26
97,536
11
6
Sacombank Tien Giang
24
88,513
27
7
Vietcombank Tien Giang
15
61,607
96
8
Vietinbank - Tay Tien Giang Branch
6
46,042
38
(Source: 2015 Banking Activity Data Report of the General and Internal Control Department of the Provincial State Bank [21])
Through table 2.6, the author finds that the number of ATMs of BIDV Tien Giang is not much, ranking fourth after Agribank Tien Giang, Dong A Tien Giang, Sacombank Tien Giang. The number of POS machines of BIDV Tien Giang is very small, only higher than Dong A Tien Giang and BIDV My Tho in the initial stages of merging the BIDV system. Besides, BIDV Tien Giang has a high number of cards increasing over the years (table 2.7) but the cumulative number of cards issued up to December 31, 2015 is still relatively low compared to Agribank, Vietcombank, Dong A (table 2.6).
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div.maincontent .s40 { color: black; font-family:Times New Roman, serif; font-style: normal; fo](https://tailieuthamkhao.com/uploads/2022/06/06/dich-vu-phi-tin-dung-tai-ngan-hang-thuong-mai-co-phan-dau-tu-va-phat-8-1-120x90.png)
