Tra Pham

a headshot of a woman smiling
School: The Business School
Department: Economics & Finance 
Position: Associate Professor
Location: RMIT Saigon South

Associate Professor Tra Pham holds a PhD in Economics from University of Groningen (the Netherlands). Prior to joining RMIT Vietnam, she held various academic positions in University of Groningen and Vietnam National University and served as a Senior Economist to USAID projects advising the government of Vietnam on international economic policy issues. She has published in Eurasian Business Review, Economics of Transition, Journal of the Asia Pacific Economy, Journal of Emerging Market Finance, and Topics in Theoretical Economics.

  • PhD in Economics, University of Groningen, the Netherlands
  • MSc in Finance, University of Groningen, the Netherlands

  • Economics 
  • Finance
  • Accounting
  • Law
  • Blockchain Enabled Business

  • Financial inclusion; Development economics, Applied economics of innovation and entrepreneurship; 
  • Aligned with two clusters: Sustainable Development & Consumption; and Development Economics & Emerging Markets

  • 2023, Pham, T.T.T., Nguyen, T.V.H., Nguyen, S.K. Does planned innovation promote financial access? Evidence from Vietnamese SMEs. Eurasian Business Review 13, 281–307, [Scimago: Q1]
  • 2023, Nguyen Chau, T., Pham, T.T.T., Ha, V.T.C.,  & Nguyen, D. Corruption, market structure, and industry competition in the Vietnamese construction sector, Construction Management and Economics, DOI: 10.1080/01446193.2023.2236249 [Scimago: Q1]
  • 2023, Ha, V.T.C., Nguyen Chau, T., Pham, T.T.T. and Nguyen, D. "Does corruption grease or sand the wheels of firm productivity? Evidence of a non-linear relationship from a firm-level analysis in Vietnam", Journal of Economic Studies, [Scimago: Q1]
  • 2023. Yap, T.L., Nayak, R., Vu, N.T.H., Bui, D.T., Pham, T.T.T. and Allen, D.W.E. (2023), "Adopting blockchain-based traceability in the fruit supply chain in a developing economy: facilitators and barriers", Information Technology & People, [Scimago: Q1]
  • 2023, Nguyen, T.B., Perera, D., Nguyen, T.P., Nguyen, V.H.T., Pham, T.T.T., Nguyen, T.M.L., Chu, T.T., S.K. Kok. Monetary Policy in The Age of Cryptocurrencies. Available at SSRN: or;
  • 2022, Vinh Thai, Kaenel J., Arrigo R., Kasra Kermanshahi S., Baulch B., Pham T., Chhetri P., Nguyen T., Hossain M., Shahparvari S., Strengthening Victoria’s Connections with Southeast Asia: Industry 4.0 in Viet Nam – Opportunities for Australian Business. RMIT University, Melbourne, Australia.
  • 2022, Chu, T.T. & Pham, T. “Vertical coordination in agri-food supply chain and blockchain: A proposed framework solution for Vietnamese cashew nut business. Regional Science Policy & Practice, 1– 19. [Scimago: Q2]
  • 2021, Pham, T., Nguyen, K., Nguyen, H., Nguyen, L and Vo V. “Dynamic Entrepreneurship, Planned Innovation, and Firm Profitability: Evidence from a Southeast Asian Country”, Heliyon, Vol. 7. Issue 7 [Scimago: Q1]
  • 2020, Nguyen, K. & Pham, T. 'Long-term impact of natural disasters on Vietnamese income per capita: The case of typhoon Durian', Entrepreneurship and Sustainability Issues, vol. 8, no.1, pp. 590 - 603.  [Scimago: Q1]
  • 2020, Nguyen, T. , Pham, T. , Nguyen, C. , Nguyen, T. & Nguyen, B., 'Excess Liquidity and Net Interest Margins: Evidence from Vietnamese Banks', Journal of Economics and Business, vol. 110, pp. 1 - 9. [Scimago: Q1]
  • 2019, Nguyen, T. , Boateng, A. & Pham, T. 'Involuntary excess reserve and heterogeneous transmission of policy rates to bank lending rates in China', Empirical Economics, vol. 57, no.3, pp. 1023 - 1044. [Scimago: Q1]
  • 2019, Pham, T. , Nguyen, T. & Nguyen, K., 'Does bank competition promote financial inclusion? A cross-country evidence', Applied Economics Letters, vol. 26, no.13, pp. 1133 – 1137. [ABDC: B]
  • 2019,  Pham, T. & Nguyen, 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, vol. 53, no.3, pp. 199 - 211. [ABDC: B].

  • 2022, “Monetary Policy in the Age of Cryptocurrencies”, funded by the Ethereum Foundation, $90,000. Co-chief Investigator
  • 2022. “Vietnam’s Industry 4.0 Opportunities for Australian Business (VHESIF Pool 1 - Asia Trade and Innovation Hub)”, $100,196. Co-chief Investigator
  • 2020. “The 17th PRSCO Summer Institute Conference - Emerging Technologies in Regional Development”, $5,500. Co-chief Investigator
  • 2017 - 2020, “Does innovation by small firms promote financial inclusion? Evidence from Vietnam”, $35,000 funded by NAFOSTED (National Foundation for Science and Technology Development), Vietnam Ministry of Science and Technology. Lead Investigator. 
  • 2018, “State-Owned Enterprise (SOE) Privatization Research Project”. Co- Chief Investigator $23,000.
  • 2013 - 2015, “Does exporting spur firm productivity and promote inclusive growth? Evidence from Vietnam”, funded by International Development Research Centre (IDRC) Canada. $21,000.  Lead Investigator.

  • 3 PhD completions
  • 2 ongoing

  • 2020. College of Business & Law Research Impact Award  
  • 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

  • October 2022 - present: Head of Department Economics & Finance, The Business School, RMIT Vietnam
  • Jan 2022 – present: Associate Professor, Senior Program Manager Economics, Department of Economics & Finance, The Business School, RMIT Vietnam. 
  • 2019 – 2021: Senior lecturer, Senior Program Manager Economics, Department of Economics & Finance, School of Business & Management, RMIT Vietnam. 
  • 2018 – 2019: Senior lecturer, Research Manager, RMIT Vietnam. 
  • 2013 – 2018: Lecturer, Department of Economics & Finance, School of Business & Management, RMIT Vietnam.
  • 2011 – 2013: Lecturer, 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.