Tra Pham

SBM Tra Pham
School: School of Business & Management 
Department: Economics & Finance 
Position: Senior Lecturer, Program Manager Economics
Location: RMIT Saigon South
Phone: 02836222454

Dr. Tra Pham is a development economist, who obtained her PhD in Economics from University of Groningen (the Netherlands) in 2006. Prior to joining RMIT in 2013, she served as a Senior Economist to a USAID-funded project, and held various academic positions in the International University (Vietnam National University HCMC) and University of Groningen. 

PhD (Economics), MSc (Finance), BA (Economics)

Macroeconomics, International Economics

Applied Economics, Economics of Innovation, International Economics, Development Economics

  • 2020, Nguyen, T., Pham T., Nguyen, P.C., Nguyen, C.T., and Nguyen, B. “Excess reserve and net interest margins: Evidence from Vietnamese banks “, Journal of Economics and Business, In press.
  • 2019, Pham, T, Nguyen, T. and Nguyen, K. “Does bank competition promote financial inclusion? A cross-country evidence”, Applied Economics Letters, 26(13), pp.1133-1137.
  • 2019, Pham, T. and Nguyen S. K. “Does microcredit influence parent’s decision to send a child to school or to work? Evidence from Vietnamese rural households”, The Journal of Developing Areas, 53 (3).
  • 2019, Nguyen,T., Boateng, A. and Pham, T.  "Involuntary excess reserve and heterogeneous transmission of policy rates to bank lending rates in China", Empirical Economics May, pp. 1 - 22.
  • 2018, Pham, T.  and Riedel J. “An empirical analysis of comparative advantage dynamics”, Empirical Economics Letters, 17 (9). 
  • 2015, Pham, T. “Does exporting spur firm productivity? Evidence from Vietnam”, Journal of
  • Southeast Asian Economies, 32(1), pp. 84 -105.
  • 2013, Pham, T. and Riedel, J. “Expectations and the cost of disinflation in Vietnam”, Journal of the Asia Pacific Economy, 18(1), pp. 86-97.
  • 2012, Pham, T and Riedel, J. “On the conduct of monetary policy in Vietnam”, (with J. Riedel), Asian-Pacific Economic Literature, 26 (1), pp. 34-45.
  • 2012, Lensink, R. and Pham. T. "The impact of Microcredit on Self-employment profits in Vietnam", Economics of Transition, 20(1), pp. 73-111.
  • 2011, Lensink, R. and Pham. T. “On the signaling property of debt maturity: empirical evidence from a private bank in Vietnam”, Applied Economics Letters, 18 (9), pp. 809-816.
  • 2008, Pham, T. and Lensink, R. “Household Borrowing in Vietnam: A comparative study of default risks of formal, informal and semi-formal credit”, Journal of Emerging Market Finance, 7(3), pp. 237-261.
  • 2007, Pham, T. and Lensink, R. “Lending policies of formal, informal and semi-formal lenders: Evidence from Vietnam”, Economics of Transition, 15(2), pp. 181-209.
  • 2006, Lensink, R. and Pham. T. “On Signaling and Debt Maturity Choice”, Applied Financial Economics Letters, 2(4), pp. 239-241.
  • 2006, Lensink, R. and Pham. T. “On the Signaling Role of Debt Maturity”, Topics in Theoretical Economics, 6 (1), 6(1), pp.1286-1286,,pp.  

Book Chapters 

  • 2014, Riedel, J and Pham, T. “Vietnam: Trapped on the Trail of the Tigers,” in Premachandra Athukorala, Arianto Pantura and Budy Resosudarmo, editors, Trade, Development and Political Economy in East Asia, Institute of South East Asian Studies and Alan & Unwin.    
  • 2008, Lensink, R. and Pham, T. “The determinants of loan contracts to business firms: Empirical evidence from a private bank in Vietnam” in G. Mavratos (Ed.), Domestic resource mobilization and financial development, studies in development economics and policy, New York: Palgrave MacMillan, pp. 229 - 265.
  • 2007, Lensink, R.,  McGillivray, M. and Pham, T. “Financial Liberalization in Vietnam: Impact on Loans from Informal, Formal, and Semi-formal Providers” in Basudeb Guha-Khasnobis, Ravi Kanbur and Elinor Ostrom (Ed.), Linking the Formal and Informal: Economy Concepts and Policies, New York: Oxford University Press, pp. 145-162.
  • 2017 - 2020, “Does innovation by small firms promote financial inclusion in Vietnam?” - Chief Investigator and Project leader. National Foundation Science & Technology Development (NAFOSTED) Ministry of Science and Technology of Vietnam - US$ 30,000
  • 2018, “State-Owned Enterprise (SOE) Privatization Research Project”. Co- Chief Investigator. Completed - VinaCapital - US$ 10,000
  • 2013 - 2015, “Does exporting spur firm productivity and promote inclusive growth? Evidence from Vietnam”. Chief Investigator and Project leader. Completed - Vietnam Academy of Social Sciences and International Development Research Centre (IDRC) Canada - US$ 15,000
  • 2012 - 2014, “Does microinsurance help the poor? Evidence from the targeted health microinsurance program in Vietnam 2004 – 2008”. Chief Investigator and Project leader. Completed. - European Development Research Network, MicroInsurance Innovation Facility ( and International Labor Office ( - US$9,500
  • Multiple Master by Research completion
  • 1 PhD completion
  • 2 PhD ongoing
  • 2017. Teaching excellence recognition, School of Business & Management, RMIT Vietnam. 
  • 2017. Top 5 inspiring teachers in 2017 nominated by RMIT Vietnam students
  • 2016. Teaching excellence recognition by School of Business & Management, RMIT Vietnam. 
  • 2012. Best lecturer award, School of Business, International University (Vietnam National University HCMC)  

4 years experience as Senior Economist for a USAID project providing advice and consultancy to the government of Vietnam on economic issues

  • Jul 2019 – present :  Senior lecturer, Program Manager Economics, Department of Economics & Finance, School of Business & Management, RMIT Vietnam. 
  • 2018: Research Manager, Vietnam Research Office, RMIT Vietnam.
  • 2013 – 2018: Lecturer in Economics, Department of Economics & Finance, School of Business & Management, RMIT Vietnam.
  • 2011 – 2013: Lecturer in Economics, School of Business, International University (Vietnam National University HCMC). 
  • 2009 – 2011: Senior Economist, STAR Vietnam (USAID-funded project), Hanoi, Vietnam.
  • 2007 – 2009: Assistant Professor, Faculty of Economics and Business, University of Groningen, the Netherlands.