# Sở thích rủi ro, vốn xã hội và rủi ro cho vay tín dụng vi mô – Nghiên cứu thí nghiệm tại vùng đồng bằng sông Cửu Long - 23

Step 1

 Chi-square df Sig. 3.344 4 .502

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Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 144 0 100.0 no xau 32 0 .0 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_1 -.316 .127 6.176 1 .013 .729 .591 .899 Constant -.407 .453 .805 1 .370 .666

a. Variable(s) entered on step 1: game_1.

Kết quả hồi quy khi thêm biến Tuổi và biến Giới tính.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 9.422 3 .024 Block 9.422 3 .024 Model 9.422 3 .024

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 157.475a .052 .085

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 4.143 8 .844

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 144 0 100.0 no xau 32 0 .0 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B)

 Lower Upper Step 1a game_1 -.337 .131 6.596 1 .010 .714 .575 .886 age -.002 .016 .018 1 .893 .998 .972 1.025 gender -.680 .427 2.538 1 .111 .506 .251 1.022 Constant .024 .948 .001 1 .980 1.024

a. Variable(s) entered on step 1: game_1, age, gender.

Kết quả hồi quy khi thêm biến Tuổi, Tuổi2 và biến Giới tính.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 11.108 4 .025 Block 11.108 4 .025 Model 11.108 4 .025

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 155.789a .061 .100

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than

.001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 6.528 8 .588

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 143 1 99.3 no xau 31 1 3.1 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_1 -.335 .132 6.436 1 .011 .716 .576 .889 age -.114 .086 1.754 1 .185 .892 .774 1.028 gender -.650 .429 2.298 1 .130 .522 .258 1.057 age_2 .001 .001 1.741 1 .187 1.001 1.000 1.003 Constant 2.550 2.119 1.449 1 .229 12.809

a. Variable(s) entered on step 1: game_1, age, gender, age_2.

Kết quả hồi quy khi thêm biến Tuổi, Tuổi2, Giới tính và Trình độ học vấn.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 13.610 5 .018 Block 13.610 5 .018 Model 13.610 5 .018

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 153.287a .074 .121

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 3.553 8 .895

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 143 1 99.3 no xau 31 1 3.1 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_1 -.341 .135 6.395 1 .011 .711 .570 .888 age -.159 .093 2.952 1 .086 .853 .732 .993 gender -.552 .437 1.595 1 .207 .576 .281 1.182 age_2 .001 .001 2.603 1 .107 1.001 1.000 1.003 edu -.312 .205 2.307 1 .129 .732 .522 1.026 Constant 4.678 2.572 3.309 1 .069 107.588

a. Variable(s) entered on step 1: game_1, age, gender, age_2, edu.

Kết quả khi thêm biến Tuổi, Tuổi2, Giới tính, Trình độ học vấn, Nơi sống, Tỷ lệ có việc làm, Khoản vay và Kỳ hạn vay.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 20.509 9 .015 Block 20.509 9 .015 Model 20.509 9 .015

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 146.388a .110 .180

a. Estimation terminated at iteration number 6 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 6.241 8 .620

Classification Tablea

 Predicted

Observed

 Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 143 1 99.3 no xau 29 3 9.4 Overall Percentage 83.0

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_1 -.367 .137 7.207 1 .007 .693 .553 .867 age -.171 .093 3.425 1 .064 .842 .723 .981 gender -.315 .458 .473 1 .492 .730 .344 1.549 age_2 .002 .001 2.885 1 .089 1.002 1.000 1.003 edu -.406 .223 3.324 1 .068 .666 .462 .961 work_member .883 .947 .869 1 .351 2.417 .509 11.477 living_area -.192 .456 .178 1 .673 .825 .390 1.746 loan_size -.040 .019 4.642 1 .031 .961 .932 .991 loan_term -.009 .014 .412 1 .521 .991 .968 1.014 Constant 5.730 2.738 4.379 1 .036 307.884

a. Variable(s) entered on step 1: game_1, age, gender, age_2, edu, work_member, living_area, loan_size, loan_term.

Kết quả hồi quy tác động của thí nghiệm đóng góp cho cộng đồng đến nợ xấu.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 26.428 1 .000 Block 26.428 1 .000 Model 26.428 1 .000

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 140.469a .139 .228

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. .000 0 0

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 129 15 89.6 no xau 15 17 53.1 Overall Percentage 83.0

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 140.469a .139 .228

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_2 -2.277 .447 25.934 1 .000 .103 .049 .214 Constant .125 .354 .125 1 .724 1.133

a. Variable(s) entered on step 1: game_2.

Kết quả hồi quy khi thêm biến Tuổi và biến Giới tính.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 27.829 3 .000 Block 27.829 3 .000 Model 27.829 3 .000

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 139.068a .146 .239

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 6.725 8 .567

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 135 9 93.8 no xau 20 12 37.5 Overall Percentage 83.5

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_2 -2.260 .451 25.111 1 .000 .104 .050 .219 age .007 .017 .152 1 .697 1.007 .979 1.035 gender -.494 .456 1.171 1 .279 .610 .288 1.293 Constant -.002 .864 .000 1 .998 .998

a. Variable(s) entered on step 1: game_2, age, gender.

Kết quả hồi quy khi thêm biến Tuổi, Tuổi2 và biến Giới tính.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 28.462 4 .000

 Block 28.462 4 0 Model 28.462 4 0

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 138.435a .149 .244

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 2.800 8 .946

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 134 10 93.1 no xau 20 12 37.5 Overall Percentage 83.0

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_2 -2.222 .454 23.979 1 .000 .108 .051 .229 age -.068 .094 .527 1 .468 .934 .801 1.090 gender -.493 .457 1.161 1 .281 .611 .288 1.296 age_2 .001 .001 .657 1 .418 1.001 .999 1.002 Constant 1.659 2.224 .556 1 .456 5.253

a. Variable(s) entered on step 1: game_2, age, gender, age_2.

Kết quả hồi quy khi thêm biến Tuổi, Tuổi2, Giới tính và Trình độ học vấn.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 29.383 5 .000 Block 29.383 5 .000 Model 29.383 5 .000

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 137.514a .154 .251

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 6.624 8 .578

Classification Tablea

Observed

 Predicted Q1 Percentage Correct

 no du chuan no xau Step 1 Q1 no du chuan 134 10 93.1 no xau 22 10 31.3 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_2 -2.167 .457 22.481 1 .000 .115 .054 .243 age -.095 .099 .923 1 .337 .909 .773 1.070 gender -.451 .462 .954 1 .329 .637 .298 1.362 age_2 .001 .001 .962 1 .327 1.001 .999 1.003 edu -.203 .215 .886 1 .346 .817 .573 1.163 Constant 2.934 2.630 1.244 1 .265 18.795

a. Variable(s) entered on step 1: game_2, age, gender, age_2, edu.

Kết quả hồi quy khi thêm biến Tuổi, Tuổi2, Giới tính, Trình độ học vấn, Nơi sống, Tỷ lệ có việc làm, Khoản vay và Kỳ hạn vay.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 34.057 9 .000 Block 34.057 9 .000 Model 34.057 9 .000

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 132.840a .176 .287

a. Estimation terminated at iteration number 6 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 5.435 8 .710

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 135 9 93.8 no xau 20 12 37.5 Overall Percentage 83.5

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a game_2 -2.164 .473 20.894 1 .000 .115 .053 .250 age -.094 .102 .860 1 .354 .910 .770 1.076

 gender -0.314 0.491 0.407 1 0.523 0.731 .326 1.639 age_2 0.001 0.001 0.838 1 0.36 1.001 .999 1.003 edu -0.256 0.231 1.229 1 0.268 0.774 .530 1.132 work_member 1.288 0.996 1.672 1 0.196 3.625 .704 18.651 living_area -0.23 0.488 0.223 1 0.637 0.794 .356 1.771 loan_size -0.032 0.02 2.647 1 0.104 0.968 .937 1.000 loan_term -0.002 0.015 0.027 1 0.87 0.998 .974 1.022 Constant 2.962 2.798 1.12 1 0.29 19.332

a. Variable(s) entered on step 1: game_2, age, gender, age_2, edu, work_member, living_area, loan_size, loan_term.

Kết quả hồi quy tác động của thí nghiệm sự tin tưởng đến nợ xấu.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 8.636 1 .003 Block 8.636 1 .003 Model 8.636 1 .003

Model Summary

Step 1

 -2 Log likelihood Cox & Snell R Square Nagelkerke R Square 158.261a .048 .078

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than .001.

Hosmer and Lemeshow Test

Step 1

 Chi-square df Sig. 9.775 8 .281

Classification Tablea

Observed

 Predicted Q1 Percentage Correct no du chuan no xau Step 1 Q1 no du chuan 144 0 100.0 no xau 32 0 .0 Overall Percentage 81.8

a. The cut value is .500

Variables in the Equation

 B S.E. Wald df Sig. Exp(B) 90% C.I.for EXP(B) Lower Upper Step 1a amount_passed -2.420 .901 7.214 1 .007 .089 .020 .391 Constant -.589 .360 2.683 1 .101 .555

a. Variable(s) entered on step 1: amount_passed.

Kết quả hồi quy khi thêm biến Tuổi và biến Giới tính.

Omnibus Tests of Model Coefficients

 Chi-square df Sig. Step 1 Step 9.239 3 .026 Block 9.239 3 .026 Model 9.239 3 .026

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Ngày đăng: 03/04/2024