The impact of training and development, motivation on in-role job performance and employee creativity in Vietnam’s consumer finance sector

This study examines the effects of Training & Development (T&D) on employee motivation and explores the role of individual motivation in workplace performance, framed within the principles of Self-Determination Theory (SDT). Using a mixed-methods approach that combines qualitative and quantitative techniques, data were collected from 254 full-time employees in Vietnam’s consumer finance sector and analyzed using Smart PLS v3.0 software. The findings reveal that Extrinsic Motivation (EM) has a stronger impact on employee performance and creativity than Intrinsic Motivation (IM). However, creativity driven by individual motivation is not a direct outcome but depends on the mediating effect of in-role job performance. Moreover, the study offers valuable insights for future research and practical recommendations for consumer finance companies to enhance employee performance, particularly their creativity.