Các nhân tố ảnh hưởng đến tiếp cận tín dụng của hộ kinh doanh cá thể tại Việt Nam - 24


Rotated Component Matrixa








Component







1

2

3

4

5

6

XA_HOI2

.806






XA_HOI1

.750






XA_HOI4

.729






XA_HOI5

.687






XA_HOI3

.676






BAO_MAT2


.845





BAO_MAT4


.833





BAO_MAT3


.790





BAO_MAT1


.779





NO_LUC3



.758




NO_LUC4



.757




NO_LUC2



.728




NO_LUC5



.675




NO_LUC1



.569




HIEU_QUA3




.766



HIEU_QUA2




.759



HIEU_QUA5




.623



HIEU_QUA1




.585



HIEU_BIET2





.841


HIEU_BIET3





.760


HIEU_BIET1





.747


TIEN_LOI3






.792

TIEN_LOI2






.759

TIEN_LOI1






.553

Extraction Method: Principal Component

Analysis.







Rotation Method: Varimax with Kaiser

Normalization.







a. Rotation converged in 6 iterations.







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Các nhân tố ảnh hưởng đến tiếp cận tín dụng của hộ kinh doanh cá thể tại Việt Nam - 24


KMO and Bartlett's Test



Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.758


Bartlett's Test of Sphericity

Approx. Chi-Square

1657.322


Df

3


Sig.

.000


Total

Variance Explained







Component

Initial Eigenvalues

Extraction Sums of Squared

Loadings






Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

1

2.713

90.426

90.426

2.713

90.426

90.426

2

.182

6.076

96.502




3

.105

3.498

100.000




Extraction Method: Principal Component

Analysis.








Component Matrixa


Component

1

Y_DINH2

Y_DINH1

.965

.946

Y_DINH3

.942

Extraction Method: Principal Component Analysis.

a. 1 components extracted.


PHỤ LỤC 2.2: PHÂN TÍCH CFA


Phân tích CFA lần 1

Estimates (Group number 1 - Default model) Scalar Estimates (Group number 1 - Default model) Maximum Likelihood Estimates

Regression Weights: (Group number 1 - Default model)





Estimate

S.E.

C.R.

P

Label

XA_HOI2

<---

XAHOI

1.000





XA_HOI1

<---

XAHOI

1.055

.053

20.033

***

par_1

XA_HOI4

<---

XAHOI

.868

.058

14.865

***

par_2

XA_HOI3

<---

XAHOI

.907

.058

15.594

***

par_3

XA_HOI5

<---

XAHOI

.865

.060

14.490

***

par_4

BAO_MAT2

<---

BAOMAT

1.000





BAO_MAT4

<---

BAOMAT

.998

.044

22.783

***

par_5

BAO_MAT3

<---

BAOMAT

.940

.044

21.171

***

par_6

BAO_MAT1

<---

BAOMAT

.809

.042

19.186

***

par_7

Y_DINH2

<---

YDINH

1.000





Y_DINH1

<---

YDINH

.990

.024

41.264

***

par_8

Y_DINH3

<---

YDINH

.923

.023

39.459

***

par_9

NO_LUC4

<---

NOLUC

1.000





NO_LUC3

<---

NOLUC

.915

.056

16.477

***

par_10

NO_LUC2

<---

NOLUC

.927

.057

16.183

***

par_11

NO_LUC5

<---

NOLUC

.973

.063

15.366

***

par_12

NO_LUC1

<---

NOLUC

.764

.057

13.391

***

par_13

HIEU_QUA3

<---

HIEUQUA

1.000





HIEU_QUA2

<---

HIEUQUA

.795

.061

13.100

***

par_14

HIEU_QUA5

<---

HIEUQUA

.931

.077

11.152

***

par_15

HIEU_QUA1

<---

HIEUQUA

.848

.074

11.517

***

par_16

HIEU_BIET2

<---

HIEUBIET

1.000





HIEU_BIET3

<---

HIEUBIET

.809

.052

15.659

***

par_17

HIEU_BIET1

<---

HIEUBIET

.748

.051

14.644

***

par_18

TIEN_LOI3

<---

TIENLOI

1.000





TIEN_LOI2

<---

TIENLOI

1.043

.116

8.963

***

par_19

TIEN_LOI1

<---

TIENLOI

1.305

.158

8.269

***

par_20



Standardized Regression Weights: (Group number 1 - Default model)





Estimate

XA_HOI2

<---

XAHOI

.779

XA_HOI1

<---

XAHOI

.739

XA_HOI4

<---

XAHOI

.664

XA_HOI3

<---

XAHOI

.689

XA_HOI5

<---

XAHOI

.648

BAO_MAT2

<---

BAOMAT

.837

BAO_MAT4

<---

BAOMAT

.843

BAO_MAT3

<---

BAOMAT

.795

BAO_MAT1

<---

BAOMAT

.738

Y_DINH2

<---

YDINH

.964

Y_DINH1

<---

YDINH

.913

Y_DINH3

<---

YDINH

.901

NO_LUC4

<---

NOLUC

.773

NO_LUC3

<---

NOLUC

.722

NO_LUC2

<---

NOLUC

.710

NO_LUC5

<---

NOLUC

.675

NO_LUC1

<---

NOLUC

.592

HIEU_QUA3

<---

HIEUQUA

.724

HIEU_QUA2

<---

HIEUQUA

.648

HIEU_QUA5

<---

HIEUQUA

.630

HIEU_QUA1

<---

HIEUQUA

.595

HIEU_BIET2

<---

HIEUBIET

.843

HIEU_BIET3

<---

HIEUBIET

.727

HIEU_BIET1

<---

HIEUBIET

.667

TIEN_LOI3

<---

TIENLOI

.502

TIEN_LOI2

<---

TIENLOI

.482

TIEN_LOI1

<---

TIENLOI

.694



Covariances: (Group number 1 - Default model)





Estimate

S.E.

C.R.

P

Label

XAHOI

<-->

BAOMAT

.430

.044

9.845

***

par_21

XAHOI

<-->

YDINH

.519

.046

11.236

***

par_22

XAHOI

<-->

NOLUC

.256

.033

7.809

***

par_23

XAHOI

<-->

HIEUQUA

.211

.032

6.572

***

par_24

XAHOI

<-->

HIEUBIET

.268

.038

7.045

***

par_25

XAHOI

<-->

TIENLOI

.170

.030

5.743

***

par_26

BAOMAT

<-->

YDINH

.336

.045

7.442

***

par_27

BAOMAT

<-->

NOLUC

.216

.035

6.194

***

par_28

BAOMAT

<-->

HIEUQUA

.121

.034

3.615

***

par_29

BAOMAT

<-->

HIEUBIET

.259

.042

6.195

***

par_30

BAOMAT

<-->

TIENLOI

.146

.031

4.723

***

par_31

YDINH

<-->

NOLUC

.160

.035

4.590

***

par_32

YDINH

<-->

HIEUQUA

.140

.035

3.995

***

par_33

YDINH

<-->

HIEUBIET

.255

.043

5.963

***

par_34

YDINH

<-->

TIENLOI

.087

.029

2.956

.003

par_35

NOLUC

<-->

HIEUQUA

.327

.034

9.502

***

par_36

NOLUC

<-->

HIEUBIET

.300

.036

8.285

***

par_37

NOLUC

<-->

TIENLOI

.219

.031

6.972

***

par_38

HIEUQUA

<-->

HIEUBIET

.249

.036

6.994

***

par_39

HIEUQUA

<-->

TIENLOI

.208

.031

6.682

***

par_40

HIEUBIET

<-->

TIENLOI

.227

.035

6.507

***

par_41

e1

<-->

e2

.119

.031

3.893

***

par_42

e3

<-->

e5

.153

.032

4.864

***

par_43

e20

<-->

e21

-.133

.034

-3.955

***

par_44

e25

<-->

e26

.237

.045

5.230

***

par_45



Correlations: (Group number 1 - Default model)





Estimate

XAHOI

<-->

BAOMAT

.600

XAHOI

<-->

YDINH

.671

XAHOI

<-->

NOLUC

.459

XAHOI

<-->

HIEUQUA

.391

XAHOI

<-->

HIEUBIET

.400

XAHOI

<-->

TIENLOI

.434

BAOMAT

<-->

YDINH

.368

BAOMAT

<-->

NOLUC

.328

BAOMAT

<-->

HIEUQUA

.190

BAOMAT

<-->

HIEUBIET

.328

BAOMAT

<-->

TIENLOI

.314

YDINH

<-->

NOLUC

.224

YDINH

<-->

HIEUQUA

.202

YDINH

<-->

HIEUBIET

.298

YDINH

<-->

TIENLOI

.174

NOLUC

<-->

HIEUQUA

.655

NOLUC

<-->

HIEUBIET

.486

NOLUC

<-->

TIENLOI

.604

HIEUQUA

<-->

HIEUBIET

.417

HIEUQUA

<-->

TIENLOI

.593

HIEUBIET

<-->

TIENLOI

.524

e1

<-->

e2

.253

e3

<-->

e5

.255

e20

<-->

e21

-.210

e25

<-->

e26

.286



Variances: (Group number 1 - Default model)



Estimate

S.E.

C.R.

P

Label

XAHOI

.606

.060

10.111

***

par_46

BAOMAT

.846

.072

11.711

***

par_47

YDINH

.989

.064

15.401

***

par_48

NOLUC

.516

.051

10.168

***

par_49

HIEUQUA

.483

.055

8.819

***

par_50

HIEUBIET

.738

.069

10.730

***

par_51

TIENLOI

.255

.050

5.075

***

par_52

e1

.393

.034

11.641

***

par_53

e2

.561

.045

12.523

***

par_54

e3

.579

.041

14.302

***

par_55

e4

.551

.039

14.137

***

par_56

e5

.625

.043

14.477

***

par_57

e6

.363

.031

11.742

***

par_58

e7

.343

.030

11.475

***

par_59

e8

.435

.033

13.093

***

par_60

e9

.462

.032

14.239

***

par_61

e10

.075

.012

6.348

***

par_62

e11

.194

.016

12.204

***

par_63

e12

.196

.015

12.982

***

par_64

e13

.347

.028

12.395

***

par_65

e14

.396

.029

13.572

***

par_66

e15

.437

.032

13.798

***

par_67

e16

.583

.041

14.323

***

par_68

e17

.557

.037

15.197

***

par_69

e18

.438

.037

11.936

***

par_70

e19

.420

.031

13.666

***

par_71

e20

.636

.048

13.204

***

par_72

e21

.635

.046

13.717

***

par_73

e22

.299

.039

7.630

***

par_74

e23

.430

.035

12.239

***

par_75

e24

.515

.038

13.686

***

par_76

e25

.756

.054

13.912

***

par_77

e26

.913

.064

14.166

***

par_78

e27

.466

.052

8.955

***

par_79



Squared Multiple Correlations: (Group number 1 - Default model)



Estimate

TIEN_LOI1

.482

TIEN_LOI2

.233

TIEN_LOI3

.252

HIEU_BIET1

.445

HIEU_BIET3

.529

HIEU_BIET2

.711

HIEU_QUA1

.354

HIEU_QUA5

.397

HIEU_QUA2

.420

HIEU_QUA3

.524

NO_LUC1

.351

NO_LUC5

.456

NO_LUC2

.504

NO_LUC3

.522

NO_LUC4

.598

Y_DINH3

.811

Y_DINH1

.833

Y_DINH2

.930

BAO_MAT1

.545

BAO_MAT3

.632

BAO_MAT4

.711

BAO_MAT2

.700

XA_HOI5

.420

XA_HOI3

.475

XA_HOI4

.440

XA_HOI1

.546

XA_HOI2

.607

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