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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 - 24


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

157.658a

.051

.083

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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 - 24

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

Hosmer and Lemeshow Test

Step 1

1

Chi-square

df

Sig.

4.729

8

.786


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q 1

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

-2.284

.937

5.943

1

.015

.102

.022

.476

age

-.004

.016

.068

1

.794

.996

.969

1.023

gender

-.316

.438

.520

1

.471

.729

.355

1.498

Constant

-.321

.893

.129

1

.719

.725



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

11.125

4

.025

Block

11.125

4

.025

Model

11.125

4

.025


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

155.772a

.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.

4.913

8

.767

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

amount_passed

-2.301

.944

5.949

1

.015

.100

.021

.473

age

-.121

.085

2.023

1

.155

.886

.770

1.019

gender

-.295

.441

.445

1

.505

.745

.360

1.540

age_2

.001

.001

1.938

1

.164

1.001

1.000

1.003

Constant

2.328

2.073

1.261

1

.262

10.254



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

13.526

5

.019

Block

13.526

5

.019

Model

13.526

5

.019

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

153.371a

.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.

7.647

8

.469


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

amount_passed

-2.228

.920

5.859

1

.015

.108

.024

.490

age

-.171

.093

3.353

1

.067

.843

.723

.983

gender

-.189

.450

.175

1

.675

.828

.395

1.737

age_2

.002

.001

2.924

1

.087

1.002

1.000

1.003

edu

-.313

.210

2.233

1

.135

.731

.518

1.032

Constant

4.523

2.580

3.073

1

.080

92.136




Variables in the Equation



B


S.E.


Wald


df


Sig.


Exp(B)

90% C.I.for EXP(B)

Lower

Upper

Step 1a

amount_passed

-2.228

.920

5.859

1

.015

.108

.024

.490

age

-.171

.093

3.353

1

.067

.843

.723

.983

gender

-.189

.450

.175

1

.675

.828

.395

1.737

age_2

.002

.001

2.924

1

.087

1.002

1.000

1.003

edu

-.313

.210

2.233

1

.135

.731

.518

1.032

Constant

4.523

2.580

3.073

1

.080

92.136



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

20.384

9

.016

Block

20.384

9

.016

Model

20.384

9

.016


Model Summary

Step 1


-2 Log likelihood

Cox & Snell R

Square


Nagelkerke R Square

146.513a

.109

.179

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.

7.714

8

.462


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

141

3

97.9

no xau

29

3

9.4

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

-2.427

.948

6.561

1

.010

.088

.019

.420



age

-.172

.094

3.359

1

.067

.842

.722

.983

gender

.092

.483

.036

1

.849

1.097

.495

2.429

age_2

.002

.001

2.802

1

.094

1.002

1.000

1.003

edu

-.395

.226

3.048

1

.081

.673

.464

.977

living_area

-.029

.455

.004

1

.948

.971

.460

2.051

work_member

.890

.917

.943

1

.332

2.435

.539

10.994

loan_size

-.041

.019

4.800

1

.028

.960

.931

.990

loan_term

-.006

.014

.185

1

.667

.994

.972

1.017

Constant

5.149

2.690

3.665

1

.056

172.325



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


Kết quả hồi quy tác động của thí nghiệm sở thích rủi ro và thí nghiệm đóng góp cho cộng đồng đến nợ xấu.

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

31.872

2

.000

Block

31.872

2

.000

Model

31.872

2

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

135.026a

.166

.270

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.

5.344

5

.375

Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

138

6

95.8

no xau

20

12

37.5

Overall Percentage



85.2

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

-.308

.137

5.054

1

.025

.735

.587

.921

game_2

-2.277

.461

24.352

1

.000

.103

.048

.219

Constant

1.199

.603

3.949

1

.047

3.316



a. Variable(s) entered on step 1: game_1, game_2.

Kết quả hồi quy tác động của thí nghiệm sở thích rủi ro và đóng góp cho cộng đồng khi thêm các biến đặc điểm nhân khẩu học.

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


Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

33.361

4

.000

Block

33.361

4

.000

Model

33.361

4

.000

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

133.536a

.173

.282

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.

7.853

8

.448

Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

137

7

95.1

no xau

20

12

37.5

Overall Percentage



84.7

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

-.319

.141

5.132

1

.023

.727

.577

.916

game_2

-2.244

.465

23.251

1

.000

.106

.049

.228

age

.000

.018

.000

1

.996

1.000

.972

1.029

gender

-.560

.466

1.443

1

.230

.571

.266

1.230

Constant

1.427

1.087

1.724

1

.189

4.167



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

34.058

5

.000

Block

34.058

5

.000

Model

34.058

5

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

132.839a

.176

.287

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.

8.678

8

.370

Classification Tablea



Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

137

7

95.1

no xau

19

13

40.6

Overall Percentage



85.2

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

-.322

.142

5.178

1

.023

.725

.574

.915

game_2

-2.210

.468

22.334

1

.000

.110

.051

.237

age

-.079

.095

.700

1

.403

.924

.791

1.079

gender

-.550

.466

1.391

1

.238

.577

.268

1.242

age_2

.001

.001

.727

1

.394

1.001

.999

1.002

Constant

3.192

2.342

1.858

1

.173

24.344



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

35.035

6

.000

Block

35.035

6

.000

Model

35.035

6

.000


Model Summary

Step 1


-2 Log likelihood

Cox &

Snell R Square


Nagelkerke R Square


131.863a

.180

.295

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

Hosmer and Lemeshow Test

Step

Chi-square

df

Sig.

7.894

8

.444

Classification Tablea


Observed

Predicted

Q1


Percentage Correct

no du chuan


no xau

Step 1

Q1

no du chuan

137

7

95.1




no xau

20

12

37.5

Overall Percentage



84.7

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

-.327

.143

5.214

1

.022

.721

.569

.913

game_2

-2.154

.471

20.901

1

.000

.116

.053

.252

age

-.106

.099

1.140

1

.286

.899

.764

1.059

gender

-.519

.470

1.216

1

.270

.595

.275

1.290

age_2

.001

.001

1.041

1

.307

1.001

.999

1.003

edu

-.212

.219

.933

1

.334

.809

.564

1.160

Constant

4.517

2.738

2.722

1

.099

91.544



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

40.703

10

.000

Block

40.703

10

.000

Model

40.703

10

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

126.194a

.206

.337

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.

5.379

8

.716

Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

136

8

94.4

no xau

20

12

37.5

Overall Percentage



84.1

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

-.360

.146

6.090

1

.014

.698

.549

.887

game_2

-2.139

.486

19.395

1

.000

.118

.053

.262

age

-.110

.101

1.186

1

.276

.896

.758

1.058

gender

-.317

.502

.400

1

.527

.728

.319

1.662

age_2

.001

.001

1.004

1

.316

1.001

.999

1.003

edu

-.288

.237

1.471

1

.225

.750

.508

1.108

living_area

-.352

.509

.479

1

.489

.703

.304

1.624

work_member

1.270

1.021

1.547

1

.214

3.560

.664

19.091

loan_size

-.039

.021

3.319

1

.068

.962

.928

.996

loan_term

-.006

.015

.139

1

.710

.994

.969

1.020

Constant

5.042

2.951

2.918

1

.088

154.766



a. Variable(s) entered on step 1: game_1, game_2, age, gender, age_2, edu, living_area, work_member, loan_size, loan_term.

Kết quả hồi quy tác động của thí nghiệm sở thích rủi ro và sự tin tưởng đến nợ xấu.

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

13.417

2

.001

Block

13.417

2

.001

Model

13.417

2

.001

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

153.480a

.073

.120

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.


7.407

8

.493


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

144

0

100.0

no xau

30

2

6.3

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

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