Kết Quả Phân Tích Efa Kết Quả Phân Tích Efa Ban Đầu Kmo And Bartlett's Test

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Phụ lục 12: Kết quả kiểm định One-sample Test

Kết quả kiểm định One-sample Test giá trị trung bình của 56 biến với giá trị 4

One-Sample

Statistics

Test Value = 4			One-Sample Statistics		Test Value = 4
	Mean	T	Df	Sig. (2- tailed)		Mean	t	df	Sig. (2- tailed)
Q14	4,73	20,497	318	0,000	Q41	3,96	-0,732	320	0,464
Q21	4,60	14,687	318	0,000	Q42	3,94	-0,985	318	0,325
Q12	4,59	15,466	314	0,000	Q44	3,93	-1,327	319	0,185
Q15	4,58	15,302	318	0,000	Q3	3,93	-1,250	318	0,212
Q13	4,54	13,765	319	0,000	Q25	3,89	-1,968	318	0,050
Q7	4,54	12,686	318	0,000	Q9	3,82	-3,197	317	0,002
Q40	4,46	3,406	320	0,001	Q11	3,81	-3,314	317	0,001
Q22	4,44	10,951	320	0,000	Q2	3,79	-3,757	321	0,000
Q52	4,42	9,378	317	0,000	Q54	3,67	-5,768	318	0,000
Q56	4,40	9,283	319	0,000	Q50	3,66	-6,189	319	0,000
Q6	4,37	8,093	315	0,000	Q35	3,61	-7,567	318	0,000
Q20	4,36	7,951	321	0,000	Q38	3,58	-7,499	312	0,000
Q1	4,35	6,865	320	0,000	Q19	3,55	-8,921	317	0,000
Q5	4,33	6,701	318	0,000	Q10	3,55	-7,362	320	0,000
Q36	4,28	6,865	319	0,000	Q49	3,53	-8,941	317	0,000
Q16	4,26	5,865	317	0,000	Q55	3,48	-8,718	316	0,000
Q53	4,24	4,939	316	0,000	Q17	3,45	-4,918	318	0,000
Q27	4,24	4,705	316	0,000	Q43	3,42	-11,035	317	0,000
Q48	4,23	4,596	319	0,000	Q45	3,40	-10,669	316	0,000
Q37	4,23	5,294	317	0,000	Q28	3,37	-9,784	319	0,000
Q39	4,18	3,988	320	0,000	Q8	3,32	-3,839	317	0,000
Q33	4,16	3,604	317	0,000	Q24	3,25	-11,504	319	0,000
Q34	4,10	1,994	319	0,047	Q32	3,22	-14,060	318	0,000
Q18	4,09	1,774	321	0,077	Q30	3,19	-14,339	321	0,000
Q26	4,05	0,937	314	0,349	Q31	3,01	-18,282	318	0,000
Q51	4,02	0,534	320	0,594	Q29	2,97	-18,975	318	0,000
Q4	4,02	0,357	314	0,721	Q47	2,93	-17,126	319	0,000
Q23	3,98	-0,327	316	0,744	Q46	2,79	-18,613	317	0,000

Nguồn: Kết quả phân tích của tác giả năm 2013 Kết quả phân tích bằng SPSS 20

One-Sample Statistics

N	Mean	Std. Deviation	Std. Error Mean
Q1	321	4.35	.902	.050
Q2	322	3.79	1.023	.057
Q3	319	3.93	1.030	.058

One-Sample Statistics

N	Mean	Std. Deviation	Std. Error Mean
Q4	315	4.02	.947	.053
Q5	319	4.33	.869	.049
Q6	316	4.37	.820	.046
Q7	319	4.54	.759	.043
Q8	318	3.32	3.155	.177
Q9	318	3.82	1.000	.056
Q10	321	3.55	1.092	.061
Q11	318	3.81	.999	.056
Q12	315	4.59	.678	.038
Q13	320	4.54	.703	.039
Q14	319	4.73	.636	.036
Q15	319	4.58	.677	.038
Q16	318	4.26	.784	.044
Q17	319	3.45	2.004	.112
Q18	322	4.09	.911	.051
Q19	318	3.55	.893	.050
Q20	322	4.36	.813	.045
Q21	319	4.60	.724	.041
Q22	321	4.44	.714	.040
Q23	317	3.98	.859	.048
Q24	320	3.25	1.171	.065
Q25	319	3.89	.996	.056
Q26	315	4.05	1.022	.058
Q27	317	4.24	.895	.050
Q28	320	3.37	1.148	.064
Q29	319	2.97	.971	.054
Q30	322	3.19	1.018	.057
Q31	319	3.01	.965	.054
Q32	319	3.22	.992	.056
Q33	318	4.16	.809	.045
Q34	320	4.10	.897	.050
Q35	319	3.61	.925	.052
Q36	320	4.28	.717	.040
Q37	318	4.23	.784	.044
Q38	313	3.58	.987	.056
Q39	321	4.18	.826	.046
Q40	321	4.46	2.425	.135
Q41	321	3.96	.914	.051
Q42	319	3.94	1.023	.057
Q43	318	3.42	.945	.053
Q44	320	3.93	.885	.049
Q45	317	3.40	1.000	.056
Q46	318	2.79	1.157	.065
Q47	320	2.93	1.123	.063
Q48	320	4.23	.912	.051
Q49	318	3.53	.928	.052
Q50	320	3.66	.975	.055
Q51	321	4.02	.836	.047
Q52	318	4.42	.801	.045
Q53	317	4.24	.876	.049
Q54	319	3.67	1.010	.057
Q55	317	3.48	1.063	.060
Q56	320	4.40	.765	.043

One-Sample Test

Test Value = 4
t	df	Sig. (2-tailed)	Mean Difference	95% Confidence Interval of the Difference
t	df	Sig. (2-tailed)	Mean Difference	Lower	Upper
Q1	6.865	320	.000	.346	.25	.44
Q2	-3.757	321	.000	-.214	-.33	-.10
Q3	-1.250	318	.212	-.072	-.19	.04
Q4	.357	314	.721	.019	-.09	.12
Q5	6.701	318	.000	.326	.23	.42
Q6	8.093	315	.000	.373	.28	.46
Q7	12.686	318	.000	.539	.46	.62
Q8	-3.839	317	.000	-.679	-1.03	-.33
Q9	-3.197	317	.002	-.179	-.29	-.07
Q10	-7.362	320	.000	-.449	-.57	-.33
Q11	-3.314	317	.001	-.186	-.30	-.08
Q12	15.466	314	.000	.590	.52	.67
Q13	13.765	319	.000	.541	.46	.62
Q14	20.497	318	.000	.730	.66	.80
Q15	15.302	318	.000	.580	.51	.65
Q16	5.865	317	.000	.258	.17	.34
Q17	-4.918	318	.000	-.552	-.77	-.33
Q18	1.774	321	.077	.090	-.01	.19
Q19	-8.921	317	.000	-.447	-.55	-.35
Q20	7.951	321	.000	.360	.27	.45
Q21	14.687	318	.000	.596	.52	.68
Q22	10.951	320	.000	.436	.36	.51
Q23	-.327	316	.744	-.016	-.11	.08
Q24	-11.504	319	.000	-.753	-.88	-.62
Q25	-1.968	318	.050	-.110	-.22	.00
Q26	.937	314	.349	.054	-.06	.17
Q27	4.705	316	.000	.237	.14	.34
Q28	-9.784	319	.000	-.628	-.75	-.50
Q29	-18.975	318	.000	-1.031	-1.14	-.92
Q30	-14.339	321	.000	-.814	-.93	-.70
Q31	-18.282	318	.000	-.987	-1.09	-.88
Q32	-14.060	318	.000	-.781	-.89	-.67
Q33	3.604	317	.000	.164	.07	.25
Q34	1.994	319	.047	.100	.00	.20
Q35	-7.567	318	.000	-.392	-.49	-.29
Q36	6.865	319	.000	.275	.20	.35
Q37	5.294	317	.000	.233	.15	.32
Q38	-7.499	312	.000	-.419	-.53	-.31
Q39	3.988	320	.000	.184	.09	.27
Q40	3.406	320	.001	.461	.19	.73
Q41	-.732	320	.464	-.037	-.14	.06
Q42	-.985	318	.325	-.056	-.17	.06
Q43	-11.035	317	.000	-.585	-.69	-.48
Q44	-1.327	319	.185	-.066	-.16	.03
Q45	-10.669	316	.000	-.599	-.71	-.49
Q46	-18.613	317	.000	-1.208	-1.34	-1.08
Q47	-17.126	319	.000	-1.075	-1.20	-.95
Q48	4.596	319	.000	.234	.13	.33
Q49	-8.941	317	.000	-.465	-.57	-.36
Q50	-6.189	319	.000	-.337	-.44	-.23
Q51	.534	320	.594	.025	-.07	.12

One-Sample Test

Test Value = 4
	t	df	Sig. (2-tailed)	Mean Difference	95% Confidence Interval of the Difference
	t	df	Sig. (2-tailed)	Mean Difference	Lower	Upper
Q52	9.378	317	.000	.421	.33	.51
Q53	4.939	316	.000	.243	.15	.34
Q54	-5.768	318	.000	-.326	-.44	-.21
Q55	-8.718	316	.000	-.521	-.64	-.40
Q56	9.283	319	.000	.397	.31	.48

Phụ lục 13: So sánh sự lựa chọn ngân hàng giữa nam và nữ

Biến

Nam			Nữ
Q	Trung bình	Std. Deviation	Xếp hạng	Trung bình	Std. Deviation	Xếp hạng
Q14	4.74	0.669	1	4.71	0.56	1
Q12	4.65	0.678	2	4.47	0.664	7
Q21	4.62	0.74	3	4.54	0.691	4
Q15	4.61	0.696	4	4.53	0.614	5
Q7	4.53	0.812	5	4.56	0.629	3
Q13	4.53	0.722	5	4.57	0.66	2
Q40	4.51	2.861	7	4.35	0.804	11
Q22	4.44	0.739	8	4.43	0.658	8
Q56	4.42	0.75	9	4.34	0.799	12
Q52	4.39	0.849	10	4.5	0.665	6
Q1	4.38	0.907	11	4.26	0.893	17
Q6	4.38	0.854	11	4.39	0.704	9
Q20	4.35	0.852	13	4.37	0.724	10
Q5	4.34	0.887	14	4.29	0.832	15
Q36	4.29	0.761	15	4.24	0.61	19
Q48	4.28	0.926	16	4.15	0.854	20
Q16	4.24	0.84	17	4.3	0.646	14
Q37	4.23	0.803	18	4.26	0.737	17
Q27	4.22	0.886	19	4.29	0.893	15
Q39	4.22	0.839	19	4.09	0.792	22
Q33	4.21	0.806	21	4.07	0.807	24
Q53	4.21	0.917	21	4.32	0.775	13
Q34	4.15	0.909	23	4	0.842	27
Q26	4.08	1.027	24	4.03	0.973	25
Q18	4.07	0.956	25	4.13	0.808	21
Q51	4.04	0.834	26	4.01	0.843	26
Q42	4.03	1.024	27	3.78	0.965	33
Q41	4.02	0.91	28	3.85	0.901	32
Q4	3.99	0.969	29	4.08	0.898	23
Q23	3.99	0.87	29	3.98	0.841	28
Q44	3.97	0.892	31	3.88	0.82	31
Q3	3.94	1.036	32	3.9	1.021	30
Q11	3.9	1.031	33	3.6	0.888	39
Q25	3.89	1.014	34	3.92	0.943	29

Biến

Nam			Nữ
Q	Trung bình	Std. Deviation	Xếp hạng	Trung bình	Std. Deviation	Xếp hạng
Q9	3.84	0.99	35	3.78	1.028	33
Q2	3.79	1.032	36	3.78	1.011	33
Q54	3.75	1.042	37	3.54	0.887	41
Q35	3.67	0.924	38	3.48	0.922	42
Q50	3.65	0.998	39	3.68	0.93	36
Q10	3.6	1.098	40	3.45	1.08	44
Q19	3.6	0.93	40	3.45	0.801	44
Q49	3.57	0.96	42	3.45	0.854	44
Q38	3.56	1.055	43	3.63	0.824	38
Q17	3.52	2.321	44	3.3	0.959	50
Q55	3.52	1.079	44	3.38	1.018	47
Q43	3.45	0.983	46	3.35	0.821	48
Q45	3.35	0.997	47	3.55	0.972	40
Q28	3.32	1.156	48	3.48	1.133	42
Q32	3.28	1.006	49	3.09	0.947	52
Q24	3.23	1.193	50	3.31	1.107	49
Q30	3.22	1.027	51	3.12	0.998	51
Q8	3.18	1.25	52	3.66	5.447	37
Q47	3.04	1.107	53	2.67	1.125	55
Q31	3.01	1.016	54	3.03	0.839	54
Q29	2.94	1.003	55	3.04	0.896	53
Q46	2.89	1.177	56	2.57	1.089	56

Phụ lục 14 : Giá trị trung bình 56 biến theo nhóm tuổi

Tuổi

Dưới 21 tuổi	xếp hạng	Từ 21 đến 30 tuổi	xếp hạng	Từ 31 đến 40 tuổi	xếp hạng	Từ 41 đến 50 tuổi	xếp hạng	Trên 50 tuổi	xếp hạng	Tổng
Q1	5.00	1	4.38	9	4.43	9	4.10	29	4.08	31	4.35
Q2	2.00	55	3.72	35	3.81	34	4.00	33	3.92	35	3.79
Q3	4.00	26	4.01	24	3.83	33	3.93	35	3.92	35	3.93
Q4	3.33	39	4.09	22	4.04	27	3.82	37	3.96	34	4.02
Q5	3.67	32	4.35	10	4.37	13	4.28	19	4.17	23	4.33
Q6	5.00	1	4.35	11	4.49	7	4.33	14	4.13	26	4.37
Q7	5.00	1	4.52	3	4.64	4	4.48	9	4.29	18	4.54
Q8	4.00	26	3.54	41	2.92	54	3.36	48	3.75	40	3.32
Q9	4.00	26	3.73	34	3.77	38	4.13	28	4.13	26	3.82
Q10	2.33	51	3.52	42	3.59	41	3.55	42	3.75	40	3.55
Q11	3.67	32	3.68	36	3.79	36	4.15	26	4.13	25	3.81
Q12	4.67	16	4.50	4	4.62	5	4.83	1	4.78	5	4.59
Q13	4.67	16	4.47	7	4.55	6	4.68	3	4.79	3	4.54
Q14	5.00	1	4.63	2	4.79	1	4.83	1	4.96	1	4.73
Q15	4.67	16	4.49	5	4.67	3	4.60	6	4.87	2	4.58
Q16	4.00	26	4.14	21	4.33	15	4.23	24	4.79	3	4.26
Q17	2.67	50	3.18	50	3.78	37	3.48	47	3.67	43	3.45
Q18	3.67	32	3.97	27	4.18	21	4.30	15	4.25	20	4.09
Q19	3.00	45	3.44	47	3.59	42	3.70	38	3.92	35	3.55
Q20	5.00	1	4.25	15	4.40	11	4.45	11	4.67	7	4.36

Tuổi

Dưới 21 tuổi	xếp hạng	Từ 21 đến 30 tuổi	xếp hạng	Từ 31 đến 40 tuổi	xếp hạng	Từ 41 đến 50 tuổi	xếp hạng	Trên 50 tuổi	xếp hạng	Tổng
Q21	5.00	1	4.49	6	4.69	2	4.68	3	4.78	5	4.60
Q22	5.00	1	4.33	12	4.48	8	4.67	5	4.54	10	4.44
Q23	3.67	32	3.94	30	3.94	29	4.26	21	4.13	26	3.98
Q24	3.33	39	3.34	49	3.11	51	3.05	54	3.71	42	3.25
Q25	3.33	39	3.97	26	3.73	39	4.05	30	4.13	26	3.89
Q26	5.00	1	4.06	23	3.94	31	4.30	17	4.25	20	4.05
Q27	5.00	1	4.32	14	4.13	24	4.28	19	4.25	20	4.24
Q28	4.67	16	3.46	46	3.17	50	3.55	42	3.33	49	3.37
Q29	3.67	32	3.01	54	2.89	55	3.08	53	2.88	54	2.97
Q30	2.33	51	3.12	52	3.18	49	3.50	45	3.29	50	3.19
Q31	3.67	32	3.01	53	2.97	53	3.20	51	2.92	53	3.01
Q32	4.00	26	3.14	51	3.22	48	3.28	50	3.58	45	3.22
Q33	4.67	16	4.00	25	4.24	20	4.45	11	4.42	14	4.16
Q34	4.67	16	3.90	31	4.14	23	4.48	9	4.46	11	4.10
Q35	3.00	45	3.65	37	3.58	44	3.67	39	3.63	44	3.61
Q36	4.33	24	4.21	17	4.34	14	4.30	15	4.42	14	4.28
Q37	4.67	16	4.15	20	4.28	17	4.25	22	4.46	11	4.23
Q38	3.67	32	3.54	40	3.68	40	3.55	41	3.52	48	3.58
Q39	5.00	1	4.20	19	4.18	21	4.15	26	4.17	23	4.18
Q40	5.00	1	4.68	1	4.32	16	4.33	13	4.13	26	4.46
Q41	5.00	1	3.82	33	4.06	26	4.05	31	4.38	17	3.96
Q42	5.00	1	3.83	32	4.00	28	4.03	32	4.42	14	3.94
Q43	3.00	45	3.39	48	3.42	46	3.54	44	3.58	45	3.42
Q44	4.00	26	3.94	28	3.94	30	3.98	34	3.92	35	3.93
Q45	3.33	39	3.58	39	3.32	47	3.10	52	3.29	50	3.40
Q46	1.67	56	2.84	56	2.76	56	2.95	56	2.61	56	2.79
Q47	2.33	51	2.92	55	3.00	52	3.00	55	2.70	55	2.93
Q48	4.67	16	4.24	16	4.25	18	4.23	23	4.29	18	4.23
Q49	3.33	39	3.50	43	3.58	44	3.63	40	3.54	47	3.53
Q50	2.33	51	3.49	44	3.79	35	3.92	36	3.92	35	3.66
Q51	3.33	39	3.94	29	4.12	25	4.21	25	4.08	31	4.02
Q52	5.00	1	4.41	8	4.42	10	4.49	7	4.57	9	4.42
Q53	4.33	24	4.21	18	4.24	19	4.29	18	4.46	11	4.24
Q54	3.00	45	3.60	38	3.84	32	3.49	46	3.96	33	3.67
Q55	3.00	45	3.48	45	3.59	42	3.36	48	3.25	52	3.48
Q56	5.00	1	4.33	12	4.37	12	4.49	7	4.63	8	4.40

Phụ lục 15: Kết quả phân tích EFA Kết quả phân tích EFA ban đầu KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.883
	Approx. Chi-Square	8047.695
Bartlett's Test of Sphericity	df	1485
	Sig.	.000

Total Variance Explained

Factor

Initial Eigenvalues			Extraction Sums of Squared Loadings			Rotation Sums of Squared Loadingsa
Total	% of Variance	Cumulative %	Total	% of Variance	Cumulative %	Total
1	13.065	23.755	23.755	12.636	22.975	22.975	8.668
2	3.834	6.971	30.726	3.427	6.231	29.205	5.354
3	2.597	4.722	35.448	2.166	3.937	33.143	4.517
4	2.401	4.366	39.814	1.983	3.605	36.748	4.834
5	1.907	3.467	43.281	1.518	2.761	39.509	7.667
6	1.532	2.785	46.066	1.130	2.055	41.564	4.621
7	1.485	2.700	48.766	1.040	1.891	43.455	3.927
8	1.419	2.580	51.346	.936	1.702	45.156	5.087
9	1.310	2.382	53.728	.909	1.652	46.809	2.990
10	1.272	2.313	56.042	.846	1.538	48.346	1.648
11	1.262	2.294	58.336	.786	1.429	49.776	8.574
12	1.157	2.104	60.440	.716	1.301	51.077	4.812
13	1.094	1.989	62.429	.556	1.010	52.087	5.290
14	1.050	1.909	64.338	.511	.930	53.017	2.672
15	1.005	1.827	66.164	.468	.852	53.869	1.938
16	.942	1.712	67.876
17	.895	1.628	69.504
18	.868	1.579	71.083
19	.826	1.502	72.585
20	.813	1.478	74.063
21	.761	1.383	75.446
22	.733	1.332	76.778
23	.713	1.297	78.075
24	.675	1.228	79.303
25	.627	1.141	80.444
26	.605	1.099	81.543
27	.584	1.062	82.605
28	.567	1.032	83.637
29	.530	.963	84.600
30	.525	.954	85.554
31	.498	.906	86.460
32	.492	.894	87.354
33	.476	.865	88.219
34	.458	.833	89.052
35	.438	.796	89.848
36	.424	.770	90.618
37	.414	.752	91.371
38	.390	.708	92.079
39	.362	.658	92.737
40	.345	.628	93.365
41	.331	.601	93.966
42	.320	.581	94.547
43	.300	.546	95.093
44	.294	.535	95.628
45	.286	.520	96.148

.279	.507	96.656
47	.262	.477	97.133
48	.243	.442	97.574
49	.227	.412	97.987
50	.215	.390	98.377
51	.206	.375	98.752
52	.190	.346	99.097
53	.185	.336	99.434
54	.165	.299	99.733
55	.147	.267	100.000

Extraction Method: Principal Axis Factoring.

	Factor
	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15
MEAN(Q41,2)	.671		.214	- .300							.237		- .216
MEAN(Q42,2)	.666			- .323	- .254		- .219
MEAN(Q44,2)	.663		- .319	- .208
MEAN(Q18,2)	.655		- .319						- .266
MEAN(Q19,2)	.622						- .248		- .266
MEAN(Q43,2)	.610						- .248
MEAN(Q36,2)	.608	-.245			.296		- .214
MEAN(Q33,2)	.606	-.217			.252		- .214
MEAN(Q13,2)	.604	-.296				.215						.239
MEAN(Q37,2)	.601		- .278		.310
MEAN(Q22,2)	.594	-.263	- .278	- .235
MEAN(Q34,2)	.569				.292
MEAN(Q48,2)	.556
MEAN(Q15,2)	.556	-.416							- .235
MEAN(Q11,2)	.553					.208			- .235
MEAN(Q21,2)	.553	-.434
MEAN(Q16,2)	.547									.247
MEAN(Q51,2)	.547		- .316		- .245	- .383
MEAN(Q14,2)	.539	-.433	- .237		- .257	.250
MEAN(Q52,2)	.539		- .237		- .257		- .258		.229
MEAN(Q49,2)	.532									.232
MEAN(Q53,2)	.519		- .264
MEAN(Q20,2)	.514
MEAN(Q12,2)	.511	-.201										.249

a. When factors are correlated, sums of squared loadings cannot be added to obtain a total variance. Factor Matrixa