Phân tích các nhân tố ảnh hưởng đến hoạt động cho vay khách hàng cá nhân tại Ngân hàng Nông nghiệp và Phát triển Nông thôn chi nhánh Chợ Lách - 10

2. Nhân tố “CÁN BỘ TÍN DỤNG”

Lần 1


Reliability Statistics

Cronbach's Alpha

N of Items

.641

4

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Phân tích các nhân tố ảnh hưởng đến hoạt động cho vay khách hàng cá nhân tại Ngân hàng Nông nghiệp và Phát triển Nông thôn chi nhánh Chợ Lách - 10


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

Cronbach's Alpha

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

Cronbach's Alpha

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

Cronbach's Alpha

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

Cronbach's Alpha

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

Cronbach's Alpha

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

Cronbach's Alpha

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.


KMO and Bartlett's Test

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

Com pon ent

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.



KMO and Bartlett's Test

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

Component

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

Model

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

Model

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

Model

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

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