# Các nhân tố ảnh hưởng đến quyết định sử dụng thẻ tín dụng tại Ngân hàng thương mại cổ phần Sài Gòn - 16

Model

a. Predictors: (Constant), HANH, MAR, LOIICH, CHIPHI, DESD, ATBM, TTIEN

ANOVAa

Model

 Sum of Squares df Mean Square F Sig. Regression 86.696 7 12.385 69.671 .000b 1 Residual 66.129 372 .178 Total 152.825 379

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a. Dependent Variable: SUDUNG

b. Predictors: (Constant), HANH, MAR, LOIICH, CHIPHI, DESD, ATBM, TTIEN

b. Dependent Variable: SUDUNG

Coefficientsa

Model

 Unstandardized Coefficients Standardized Coefficients t Sig. Correlations Collinearity Statistics B Std. Error Beta Zero- order Partial Part Toleranc e VIF (Constant) .193 .153 1.262 .208 LOIICH .172 .043 .186 4.014 .000 .577 .204 .137 .542 1.846 TTIEN .126 .047 .134 2.674 .008 .564 .137 .091 .464 2.155 1 ATBM DESD -.046 .047 .044 .043 -.052 .054 -1.049 1.096 .295 .274 .508 .534 -.054 .057 -.036 .037 .474 .473 2.109 2.115 CHIPHI .359 .046 .361 7.835 .000 .657 .376 .267 .548 1.826 MAR .111 .041 .109 2.682 .008 .447 .138 .091 .699 1.431 HANH .163 .036 .184 4.489 .000 .522 .227 .153 .694 1.442

a. Dependent Variable: SUDUNG

Collinearity Diagnosticsa

Model

 Dimen sion Eigen value Condition Index Variance Proportions (Constant) LOIICH TTIEN ATBM DESD CHIPHI MAR HANH 1 7.858 1.000 .00 .00 .00 .00 .00 .00 .00 .00 2 .031 15.947 .16 .01 .04 .07 .21 .00 .04 .22 3 .028 16.901 .07 .06 .02 .01 .00 .00 .26 .48 1 4 5 .020 .019 19.641 20.287 .01 .02 .27 .51 .02 .01 .08 .46 .34 .04 .14 .07 .03 .01 .24 .02 6 .017 21.793 .01 .08 .01 .24 .12 .67 .09 .01 7 .015 23.165 .01 .02 .90 .05 .25 .01 .05 .00 8 .013 24.311 .70 .05 .01 .09 .04 .11 .52 .03

a. Dependent Variable: SUDUNG

 Minimum Maximum Mean Std. Deviation N Predicted Value 1.9003 4.8153 3.3349 .47828 380 Residual -1.33002 1.36672 .00000 .41771 380 Std. Predicted Value -2.999 3.095 .000 1.000 380 Std. Residual -3.155 3.242 .000 .991 380

a. Dependent Variable: SUDUNG

Phụ lục 08: Kết quả phân tích hồi quy lần 2

Descriptive Statistics

 Mean Std. Deviation N SUDUNG 3.3349 .63501 380 LOIICH 3.3151 .68666 380 TTIEN 3.3605 .67216 380 CHIPHI 3.3337 .63829 380 MAR 3.5750 .62830 380 HANH 3.4035 .71814 380

Correlations

 SUDUNG LOIICH TTIEN CHIPHI MAR HANH Pearson Correlation Sig. (1-tailed) N SUDUNG LOIICH TTIEN CHIPHI MAR HANH SUDUNG LOIICH TTIEN CHIPHI MAR HANH SUDUNG LOIICH TTIEN CHIPHI MAR HANH 1.000 .577 .564 .657 .447 .522 .577 1.000 .552 .529 .363 .462 .564 .552 1.000 .534 .490 .418 .657 .529 .534 1.000 .404 .450 .447 .363 .490 .404 1.000 .307 .522 .462 .418 .450 .307 1.000 . .000 .000 .000 .000 .000 .000 . .000 .000 .000 .000 .000 .000 . .000 .000 .000 .000 .000 .000 . .000 .000 .000 .000 .000 .000 . .000 .000 .000 .000 .000 .000 . 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380 380

Variables Entered/Removeda

Model

 Variables Entered Variables Removed Method 1 HANH, MAR, LOIICH, CHIPHI, TTIENb . Enter

a. Dependent Variable: SUDUNG

b. All requested variables entered.

Model Summaryb

Model

 R R Square Adjusted R Square Std. Error of the Estimate Durbin-Watson 1 .752a .565 .559 .42159 1.806

a. Predictors: (Constant), HANH, MAR, LOIICH, CHIPHI, TTIEN

b. Dependent Variable: SUDUNG

ANOVAa

Model

 Sum of Squares df Mean Square F Sig. Regression 86.352 5 17.270 97.169 .000b 1 Residual 66.473 374 .178 Total 152.825 379

a. Dependent Variable: SUDUNG

b. Predictors: (Constant), HANH, MAR, LOIICH, CHIPHI, TTIEN

Coefficientsa

Model

 Unstandardized Coefficients Standardized Coefficients t Sig. Correlations Collinearity Statistics B Std. Error Beta Zero- order Partial Part Tolerance VIF (Constant) .188 .153 1.234 .218 LOIICH .172 .041 .186 4.174 .000 .577 .211 .142 .584 1.711 1 TTIEN CHIPHI .132 .355 .044 .044 .140 .357 3.038 8.064 .003 .000 .564 .657 .155 .385 .104 .275 .548 .594 1.826 1.684 MAR .112 .040 .110 2.757 .006 .447 .141 .094 .726 1.378 HANH .161 .036 .182 4.505 .000 .522 .227 .154 .710 1.408

a. Dependent Variable: SUDUNG

Collinearity Diagnosticsa

Model

 Dimension Eigenvalue Condition Index Variance Proportions (Constant) LOIICH TTIEN CHIPHI MAR HANH 1 5.900 1.000 .00 .00 .00 .00 .00 .00 2 .027 14.665 .05 .04 .03 .00 .24 .61 1 3 4 .024 .018 15.659 18.331 .13 .18 .36 .06 .12 .52 .03 .31 .09 .05 .26 .11 5 .017 18.485 .08 .49 .07 .62 .02 .00 6 .014 20.771 .55 .05 .27 .04 .61 .02

a. Dependent Variable: SUDUNG

Residuals Statisticsa

 Minimum Maximum Mean Std. Deviation N Predicted Value 1.9741 4.7382 3.3349 .47733 380 Residual -1.32064 1.40683 .00000 .41880 380 Std. Predicted Value -2.851 2.940 .000 1.000 380 Std. Residual -3.133 3.337 .000 .993 380

a. Dependent Variable: SUDUNG

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Phụ lục 09: Kiểm định T-test và ANOVA

1. One-Sample Test

One-Sample Statistics

 N Mean Std. Deviation Std. Error Mean LOIICH 380 3.3151 .68666 .03523 TTIEN 380 3.3605 .67216 .03448 CHIPHI 380 3.3337 .63829 .03274 MAR 380 3.5750 .62830 .03223 HANH 380 3.4035 .71814 .03684

One-Sample Test

LOIICH TTIEN CHIPHI MAR

HANH

 Test Value = 3 t df Sig. (2-tailed) Mean Difference 95% Confidence Interval of the Difference Lower Upper 8.946 10.456 10.191 17.840 10.953 379 379 379 379 379 .000 .000 .000 .000 .000 .31513 .36053 .33368 .57500 .40351 .2459 .2927 .2693 .5116 .3311 .3844 .4283 .3981 .6384 .4759

One-Sample Statistics

 N Mean Std. Deviation Std. Error Mean SUDUNG 380 3.3349 .63501 .03258

One-Sample Test

 Test Value = 3 t df Sig. (2-tailed) Mean Difference 95% Confidence Interval of the Difference Lower Upper SUDUNG 10.280 379 .000 .33487 .2708 .3989

2. Independent Samples Test

Có là khách hàng hiện hữu của SCB

Group Statistics

 Có là khách hàng của SCB N Mean Std. Deviation Std. Error Mean SUDUNG Không Có 90 290 3.2083 3.3741 .64830 .62677 .06834 .03681

Independent Samples Test

 Levene's Test for Equality of Variances t-test for Equality of Means F Sig. t df Sig. (2- tailed) Mean Difference Std. Error Difference 95% Confidence Interval of the Difference Lower Upper Equal variances SUD assumed UNG Equal variances not assumed .095 .758 -2.175 -2.136 378 144.38 0 .030 .034 -.16580 -.16580 .07625 .07762 -.31573 -.31922 -.01588 -.01239

Giới tính

Group Statistics

 Giới tính N Mean Std. Deviation Std. Error Mean SUDUNG Nam Nữ 149 231 3.3087 3.3517 .60221 .65602 .04934 .04316

Independent Samples Test

 Levene's Test for Equality of Variances t-test for Equality of Means F Sig. t df Sig. (2- tailed) Mean Difference Std. Error Difference 95% Confidence Interval of the Difference Lower Upper Equal variances SUD assumed UNG Equal variances not assumed 1.855 .174 -.644 -.656 378 334.989 .520 .512 -.04301 -.04301 .06677 .06555 -.17430 -.17195 .08829 .08594

3. One-way ANOVA:

Độ tuổi

SUDUNG

Descriptives

 N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean Minimu m Maximu m Lower Bound Upper Bound Dưới 22 tuổi 60 3.3792 .65337 .08435 3.2104 3.5479 2.00 4.50 Từ 22 đến 35 tuổi 170 3.3353 .67779 .05198 3.2327 3.4379 1.50 5.00 Từ 36 đến 45 tuổi 97 3.2732 .58082 .05897 3.1561 3.3903 2.00 4.50 Trên 45 tuổi 53 3.3962 .57058 .07838 3.2390 3.5535 2.25 4.75 Total 380 3.3349 .63501 .03258 3.2708 3.3989 1.50 5.00

Test of Homogeneity of Variances

SUDUNG

Levene Statistic

 df1 df2 Sig. 2.216 3 376 .086

ANOVA

SUDUNG

 Sum of Squares df Mean Square F Sig. Between Groups .686 3 .229 .565 .638 Within Groups 152.139 376 .405 Total 152.825 379

Trình độ

SUDUNG

Descriptives

 N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean Minim um Maxim um Lower Bound Upper Bound Dưới THPT 19 3.4211 .52077 .11947 3.1701 3.6721 2.25 4.25 Từ THPT đến trung cấp/cao đẳng 108 3.2986 .70002 .06736 3.1651 3.4321 1.50 5.00 Đại hoc/sau đại học 253 3.3439 .61466 .03864 3.2678 3.4200 1.75 5.00 Total 380 3.3349 .63501 .03258 3.2708 3.3989 1.50 5.00

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Ngày đăng: 04/06/2022