2. Nhân tố “CÁN BỘ TÍN DỤNG”
Lần 1
Reliability Statistics
N of Items | |
.641 | 4 |
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Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
CB1 | 11.08 | 2.490 | .550 | .490 |
CB2 | 11.23 | 2.416 | .537 | .492 |
CB3 | 11.02 | 2.185 | .667 | .391 |
CB4 | 11.30 | 3.136 | .075 | .827 |
Lần 2
Reliability Statistics
N of Items | |
.827 | 3 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
CB1 | 7.50 | 1.664 | .616 | .826 |
CB2 | 7.66 | 1.454 | .714 | .731 |
CB3 | 7.44 | 1.425 | .727 | .717 |
3. Nhân tố “CƠ SỞ VẬT CHẤT”
Reliability Statistics
N of Items | |
.755 | 4 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
VC1 | 9.65 | 2.683 | .402 | .784 |
VC2 | 9.66 | 2.748 | .587 | .689 |
VC3 | 9.60 | 2.662 | .607 | .676 |
VC4 | 9.87 | 2.016 | .672 | .626 |
4. Nhân tố “SẢN PHẨM TÍN DỤNG”
Reliability Statistics
N of Items | |
.787 | 4 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
SP1 | 10.08 | 2.329 | .500 | .781 |
SP2 | 10.02 | 2.033 | .673 | .693 |
SP3 | 10.28 | 2.138 | .568 | .750 |
SP4 | 10.14 | 2.207 | .650 | .710 |
5. Nhân tố “NHÂN TỐ TỪ PHÍA KHÁCH HÀNG”
Lần 1
Reliability Statistics
N of Items | |
.684 | 4 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
KH1 | 10.93 | 4.003 | .513 | .589 |
KH2 | 10.73 | 3.777 | .617 | .522 |
KH3 | 10.36 | 4.047 | .557 | .566 |
KH4 | 11.08 | 4.430 | .247 | .776 |
Lần 2
Reliability Statistics
N of Items | |
.776 | 3 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
KH1 | 7.64 | 2.215 | .566 | .749 |
KH2 | 7.45 | 1.981 | .723 | .570 |
KH3 | 7.08 | 2.372 | .555 | .757 |
6. Nhân tố “HOẠT ĐỘNG CHO VAY KHÁCH HÀNG HỘ VÀ CÁ NHÂN”
Reliability Statistics
N of Items | |
.816 | 3 |
Item-Total Statistics
Scale Mean if Item Deleted | Scale Variance if Item Deleted | Corrected Item- Total Correlation | Cronbach's Alpha if Item Deleted | |
CV1 | 7.07 | 1.374 | .658 | .756 |
CV2 | 7.18 | 1.361 | .633 | .782 |
CV3 | 7.22 | 1.297 | .712 | .700 |
PHỤ LỤC 3
KẾT QUẢ PHÂN TÍCH NHÂN TỐ KHÁM PHÁ EFA
Kết quả phân tích nhân tố khám phá EFA đối với các biến độc lập.
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. | .746 | |
Approx. Chi-Square | 796.774 | |
Bartlett's Test of Sphericity | df | 136 |
Sig. | .000 |
Total Variance Explained
Initial Eigenvalues | Extraction Sums of Squared Loadings | Rotation Sums of Squared Loadings | |||||||
Total | % of Variance | Cumulative % | Total | % of Variance | Cumulative % | Total | % of Variance | Cumulative % | |
1 | 4.848 | 28.518 | 28.518 | 4.848 | 28.518 | 28.518 | 2.580 | 15.175 | 15.175 |
2 | 2.082 | 12.249 | 40.766 | 2.082 | 12.249 | 40.766 | 2.563 | 15.074 | 30.248 |
3 | 1.804 | 10.612 | 51.378 | 1.804 | 10.612 | 51.378 | 2.432 | 14.306 | 44.555 |
4 | 1.546 | 9.094 | 60.472 | 1.546 | 9.094 | 60.472 | 2.150 | 12.646 | 57.201 |
5 | 1.224 | 7.199 | 67.672 | 1.224 | 7.199 | 67.672 | 1.780 | 10.471 | 67.672 |
6 | .805 | 4.735 | 72.407 | ||||||
7 | .694 | 4.083 | 76.490 | ||||||
8 | .678 | 3.990 | 80.480 | ||||||
9 | .643 | 3.781 | 84.262 | ||||||
10 | .516 | 3.036 | 87.298 | ||||||
11 | .453 | 2.662 | 89.960 | ||||||
12 | .379 | 2.231 | 92.191 | ||||||
13 | .361 | 2.122 | 94.312 | ||||||
14 | .309 | 1.820 | 96.132 | ||||||
15 | .267 | 1.569 | 97.701 | ||||||
16 | .211 | 1.243 | 98.944 | ||||||
17 | .180 | 1.056 | 100.000 |
Extraction Method: Principal Component Analysis.
Rotated Component Matrixa
Component | |||||
1 | 2 | 3 | 4 | 5 | |
SP3 | .796 | ||||
SP2 | .795 | ||||
SP4 | .720 | ||||
SP1 | .640 | ||||
CB2 | .880 | ||||
CB3 | .827 | ||||
CB1 | .637 | ||||
VC2 | .795 | ||||
VC3 | .746 | ||||
VC4 | .742 | ||||
VC1 | .572 | ||||
KH2 | .886 | ||||
KH1 | .812 | ||||
KH3 | .745 | ||||
CS1 | .763 | ||||
CS4 | .742 | ||||
CS3 | .682 |
Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.
a. Rotation converged in 6 iterations.
Kết quả phân tích nhân tố khám phá EFA đối với biến phụ thuộc.
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. | .706 | |
Approx. Chi-Square | 123.485 | |
Bartlett's Test of Sphericity | df | 3 |
Sig. | .000 |
Total Variance Explained
Initial Eigenvalues | Extraction Sums of Squared Loadings | |||||
Total | % of Variance | Cumulative % | Total | % of Variance | Cumulative % | |
1 | 2.193 | 73.110 | 73.110 | 2.193 | 73.110 | 73.110 |
2 | .465 | 15.492 | 88.602 | |||
3 | .342 | 11.398 | 100.000 |
Extraction Method: Principal Component Analysis.
PHỤ LỤC 4
KẾT QUẢ PHÂN TÍCH TƯƠNG QUAN
Correlations
X1 | X2 | X3 | X4 | X5 | Y | ||
Pearson Correlation | 1 | .347** | .140 | .239** | .067 | .349** | |
X1 | Sig. (2-tailed) | .000 | .127 | .009 | .468 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 | |
Pearson Correlation | .347** | 1 | .419** | .391** | .156 | .492** | |
X2 | Sig. (2-tailed) | .000 | .000 | .000 | .089 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 | |
Pearson Correlation | .140 | .419** | 1 | .483** | .170 | .441** | |
X3 | Sig. (2-tailed) | .127 | .000 | .000 | .064 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 | |
Pearson Correlation | .239** | .391** | .483** | 1 | .159 | .604** | |
X4 | Sig. (2-tailed) | .009 | .000 | .000 | .082 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 | |
Pearson Correlation | .067 | .156 | .170 | .159 | 1 | .469** | |
X5 | Sig. (2-tailed) | .468 | .089 | .064 | .082 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 | |
Pearson Correlation | .349** | .492** | .441** | .604** | .469** | 1 | |
Y | Sig. (2-tailed) | .000 | .000 | .000 | .000 | .000 | |
N | 120 | 120 | 120 | 120 | 120 | 120 |
**. Correlation is significant at the 0.01 level (2-tailed).
PHỤ LỤC 5
KẾT QUẢ PHÂN TÍCH HỒI QUY
Model Summary
R | R Square | Adjusted R Square | Std. Error of the Estimate | |
1 | .768a | .589 | .571 | .406 |
a. Predictors: (Constant), X5, X1, X3, X2, X4
ANOVAa
Sum of Squares | df | Mean Square | F | Sig. | ||
Regression | 27.016 | 5 | 5.403 | 32.716 | .000b | |
1 | Residual | 18.828 | 114 | .165 | ||
Total | 45.844 | 119 |
a. Dependent Variable: Y
b. Predictors: (Constant), X5, X1, X3, X2, X4
Coefficientsa
Unstandardized Coefficients | Standardized Coefficients | t | Sig. | Collinearity Statistics | |||
B | Std. Error | Beta | Tolerance | VIF | |||
(Constant) | -.932 | .383 | -2.434 | .016 | |||
X1 | .187 | .080 | .151 | 2.345 | .021 | .864 | 1.158 |
X2 | .205 | .075 | .194 | 2.724 | .007 | .710 | 1.409 |
1 | |||||||
X3 | .109 | .088 | .089 | 1.244 | .216 | .697 | 1.435 |
X4 | .513 | .093 | .393 | 5.507 | .000 | .708 | 1.412 |
X5 | .310 | .054 | .350 | 5.715 | .000 | .958 | 1.044 |
a. Dependent Variable: Y