Quang thong Truong University of Economics Ho Chi Minh city (Vietnam)   453/18 Nguyen Dinh Chieu St District 3, Ho Chi Minh 700000 Việt Nam   truongquangthong@ueh.edu.vn             JEL Areas: D1 : Household Behavior: General E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General