Factors affecting personal lending activities at SeABank – Dong Nai Branch – Ho Nai Transaction Office

This study aims to identify and measure the factors affecting individual lending activities at Southeast Asia Commercial Joint Stock Bank (SeABank) – Dong Nai Branch, Ho Nai Transaction Office. Based on a literature review and qualitative research, the proposed research model includes six influencing factors: credit policy, lending interest rates, banking service quality, convenience and digital technology application, customers’ financial capacity and creditworthiness, and risk management policy. Data were collected from 485 individual customers using credit services and analyzed using Cronbach’s Alpha, Exploratory Factor Analysis (EFA), Pearson correlation, and multiple linear regression. The findings indicate that all six factors have a positive and statistically significant impact on individual lending activities. Among them, risk management policy and convenience, combined with the application of digital technology, exert the strongest effects, followed by banking service quality. Based on these results, the study proposes several managerial implications to improve lending efficiency, enhance the customer experience, and promote the sustainable development of retail credit activities at the unit level.