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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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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

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

.000

Model

28.462

4

.000


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

-.314

.491

.407

1

.523

.731

.326

1.639

age_2

.001

.001

.838

1

.360

1.001

.999

1.003

edu

-.256

.231

1.229

1

.268

.774

.530

1.132

work_member

1.288

.996

1.672

1

.196

3.625

.704

18.651

living_area

-.230

.488

.223

1

.637

.794

.356

1.771

loan_size

-.032

.020

2.647

1

.104

.968

.937

1.000

loan_term

-.002

.015

.027

1

.870

.998

.974

1.022

Constant

2.962

2.798

1.120

1

.290

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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