Research on factors affecting lending decisions for small and medium-sized enterprise customers at commercial banks in the Northwest region of Vietnam

APPENDIX 8: PERSON CORRELATION TEST

Correlations

		TCDN_TB	TSTC_TB	LSTD_TB	VXH_TB	MQHNH_T B	Decision
TCDN_T B	Pearson Correlation	1	-.096	-.142 **	.034	.128 *	.111 *
	Sig. (2-tailed)		.070	.007	.519	.016	.037
	N	355	355	355	355	355	355
TSTC_TB	Pearson Correlation	-.096	1	.102	.002	.011	.540 **
	Sig. (2-tailed)	.070		.055	.964	.838	.000
	N	355	355	355	355	355	355
LSTD_TB	Pearson Correlation	-.142 **	.102	1	-.091	-.128 *	.236 **
	Sig. (2-tailed)	.007	.055		.087	.016	.000
	N	355	355	355	355	355	355
VXH_TB	Pearson Correlation	.034	.002	-.091	1	.057	-.015
	Sig. (2-tailed)	.519	.964	.087		.280	.783
	N	355	355	355	355	355	355
MQHNH_ TB	Pearson Correlation	.128 *	.011	-.128 *	.057	1	.289 **
	Sig. (2-tailed)	.016	.838	.016	.280		.000
	N	355	355	355	355	355	355
Decision	Pearson Correlation	.111 *	.540 **	.236 **	-.015	.289 **	1
	Sig. (2-tailed)	.037	.000	.000	.783	.000
	N	355	355	355	355	355	355
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).

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APPENDIX 9: BINARY LOGISTIC REGRESSION TEST

1ST INSPECTION

Omnibus Tests of Model Coefficients

Model Summary

Step	-2 Log likelihood	Cox & Snell R Square	Nagelkerke R Square
1	206.370 a	.472	.669
a. Estimation terminated at iteration number 7 because parameter estimates changed by less than .001.

Classification Table a

Variables in the Equation

		B	SE	Wald	df	Sig.	Exp(B)
Step 1 a	TCDN_TB	1,067	.270	15,549	1	.000	2,906
	TSTC_TB	2,414	.293	67,818	1	.000	11,174
	LSTD_TB	1,499	.264	32,339	1	.000	4,479
	VXH_TB	-.224	.208	1.155	1	.283	.800
	MQHNH_TB	1,759	.270	42,362	1	.000	5.808
	Constant	-19.542	2,576	57,557	1	.000	.000
a. Variable(s) entered on step 1: TCDN_TB, TSTC_TB, LSTD_TB, VXH_TB, MQHNH_TB.

SECOND INSPECTION

Omnibus Tests of Model Coefficients

Model Summary

Step	-2 Log likelihood	Cox & Snell R Square	Nagelkerke R Square
1	207,528 a	.470	.667
a. Estimation terminated at iteration number 7 because parameter estimates changed by less than .001.

Classification Table a

Variables in the Equation

		B	SE	Wald	df	Sig.	Exp(B)
Step 1 a	TCDN_TB	1,010	.263	14,802	1	.000	2,746
	TSTC_TB	2,386	.290	67,687	1	.000	10,874
	LSTD_TB	1,521	.262	33,763	1	.000	4,576
	MQHNH_TB	1,739	.268	42,048	1	.000	5,690
	Constant	-19.975	2,541	61,791	1	.000	.000
a. Variable(s) entered on step 1: TCDN_TB, TSTC_TB, LSTD_TB, MQHNH_TB.

Research on factors affecting lending decisions for small and medium-sized enterprise customers at commercial banks in the Northwest region of Vietnam - 26