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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 - 25


Step 1a

game_1

-.281

.133

4.468

1

.035

.755

.607

.940

amount_passed

-2.159

.902

5.736

1

.017

.115

.026

.508

Constant

.285

.542

.277

1

.599

1.330



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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 - 25

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

14.905

4

.005

Block

14.905

4

.005

Model

14.905

4

.005

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

151.992a

.081

.133

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.


16.400

8

.037

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

-.313

.136

5.261

1

.022

.731

.585

.915

amount_passed

-2.018

.925

4.757

1

.029

.133

.029

.609

age

-.010

.017

.363

1

.547

.990

.963

1.018

gender

-.463

.445

1.081

1

.299

.629

.302

1.310

Constant

.989

1.068

.858

1

.354

2.689



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

16.668

5

.005



Block

16.668

5

.005

Model

16.668

5

.005

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

150.229a

.090

.147

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.

7.326

8

.502


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q 1

no du chuan

142

2

98.6

no xau

31

1

3.1

Overall Percentage



81.3

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

-.311

.137

5.150

1

.023

.733

.585

.918

amount_passed

-2.046

.933

4.807

1

.028

.129

.028

.600

age

-.124

.086

2.070

1

.150

.883

.766

1.018

gender

-.423

.448

.890

1

.346

.655

.314

1.369

age_2

.001

.001

1.802

1

.180

1.001

1.000

1.003

Constant

3.573

2.185

2.673

1

.102

35.622



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

18.868

6

.004

Block

18.868

6

.004

Model

18.868

6

.004

Model Summary

Step 1


-2 Log likelihood

Cox & Snell R

Square


Nagelkerke R Square

148.029a

.102

.166

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.

5.019

8

.756

Classification Tablea

Observed

Predicted



Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

141

3

97.9

no xau

31

1

3.1

Overall Percentage



80.7

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

-.312

.140

4.965

1

.026

.732

.582

.922

amount_passed

-1.952

.914

4.564

1

.033

.142

.032

.638

age

-.170

.094

3.265

1

.071

.843

.722

.985

gender

-.335

.457

.539

1

.463

.715

.337

1.516

age_2

.001

.001

2.660

1

.103

1.001

1.000

1.003

edu

-.303

.211

2.050

1

.152

.739

.522

1.046

Constant

5.630

2.662

4.473

1

.034

278.645



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

26.418

10

.003

Block

26.418

10

.003

Model

26.418

10

.003


Model Summary

Step 1


-2 Log likelihood

Cox &

Snell R Square


Nagelkerke R Square

140.479a

.139

.228

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.

15.037

8

.058


Classification Tablea


Observed

Predicted

Q1

Percentage Correct



no du chuan

no xau


Step 1

Q1

no du chuan

139

5

96.5

no xau

26

6

18.8

Overall Percentage



82.4

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

.143

5.581

1

.018

.714

.565

.903

amount_passed

-2.121

.937

5.125

1

.024

.120

.026

.560

age

-.179

.094

3.617

1

.057

.836

.716

.976

gender

-.030

.490

.004

1

.951

.970

.433

2.174

age_2

.002

.001

2.743

1

.098

1.002

1.000

1.003

edu

-.421

.235

3.205

1

.073

.657

.446

.966

living_area

-.094

.467

.040

1

.841

.911

.423

1.962

work_member

1.186

.987

1.445

1

.229

3.275

.646

16.603

loan_size

-.042

.019

4.827

1

.028

.958

.928

.989

loan_term

-.007

.014

.273

1

.601

.993

.970

1.016

Constant

6.543

2.817

5.394

1

.020

694.134



a. Variable(s) entered on step 1: game_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 đóng góp cho cộng đồng và sự tin tưởng đến nợ xấu.

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

32.395

2

.000

Block

32.395

2

.000

Model

32.395

2

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

134.502a

.168

.274

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.


7.158

7

.413

Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

137

7

95.1

no xau

17

15

46.9

Overall Percentage



86.4

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

-2.221

.461

23.212

1

.000

.108

.051

.232

amount_passed

-2.097

.917

5.225

1

.022

.123

.027

.555

Constant

.890

.492

3.273

1

.070

2.435



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

32.665

4

.000

Block

32.665

4

.000

Model

32.665

4

.000

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square


134.232a

.169

.277

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.

5.804

8

.669

Classification Tablea


Observed

Predicted

Q1

Percentage Correc t

no du chuan

no xau

Step 1

Q1

no du chuan

137

7

95.1

no xau

17

15

46.9

Overall Percentage



86.4

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

-2.208

.462

22.865

1

.000

.110

.051

.235

amount_passed

-1.989

.964

4.257

1

.039

.137

.028

.668

age

-.002

.018

.009

1

.925

.998

.969

1.028

gender

-.245

.481

.259

1

.611

.783

.355

1.726

Constant

1.010

1.010

.999

1

.318

2.745



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

33.312

5

.000



Block

33.312

5

.000

Model

33.312

5

.000

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

133.585a

.172

.281

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.

5.072

8

.750

Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

137

7

95.1

no xau

17

15

46.9

Overall Percentage



86.4

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

-2.168

.465

21.768

1

.000

.114

.053

.246

amount_passed

-2.003

.971

4.256

1

.039

.135

.027

.666

age

-.078

.095

.673

1

.412

.925

.791

1.082

gender

-.237

.482

.241

1

.624

.789

.357

1.745

age_2

.001

.001

.670

1

.413

1.001

.999

1.002

Constant

2.709

2.317

1.367

1

.242

15.016



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

34.406

6

.000

Block

34.406

6

.000

Model

34.406

6

.000

Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

132.491a

.178

.290

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.


8.206

8

.414

Classification Tablea


Predicted


Observed

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

136

8

94.4

no xau

18

14

43.8

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_2

-2.114

.467

20.512

1

.000

.121

.056

.260

amount_passed

-2.020

.964

4.394

1

.036

.133

.027

.647

age

-.110

.101

1.187

1

.276

.895

.758

1.058

gender

-.180

.490

.134

1

.714

.836

.373

1.871

age_2

.001

.001

1.042

1

.307

1.001

.999

1.003

edu

-.228

.222

1.058

1

.304

.796

.552

1.147

Constant

4.200

2.769

2.301

1

.129

66.692



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

39.742

10

.000

Block

39.742

10

.000

Model

39.742

10

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

127.155a

.202

.330

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.

4.807

8

.778


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

140

4

97.2

no xau

18

14

43.8

Overall Percentage



87.5

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

-2.099

.484

18.769

1

.000

.123

.055

.272

amount_passed

-2.202

.992

4.934

1

.026

.111

.022

.565

age

-.111

.105

1.109

1

.292

.895

.753

1.064

gender

.039

.535

.005

1

.941

1.040

.431

2.509

age_2

.001

.001

.874

1

.350

1.001

.999

1.003

edu

-.314

.243

1.669

1

.196

.731

.490

1.089

living_area

-.067

.503

.018

1

.894

.935

.409

2.141

work_member

1.413

1.011

1.955

1

.162

4.109

.779

21.669

loan_size

-.036

.021

3.037

1

.081

.965

.932

.998

loan_term

-.003

.015

.030

1

.863

.997

.973

1.022

Constant

4.354

2.954

2.172

1

.141

77.754



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

Kết quả hồi quy tác động của cả 3 thí nghiệm đến nợ xấu bằng mô hình Logit.

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

36.578

3

.000

Block

36.578

3

.000

Model

36.578

3

.000


Model Summary

Step 1

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

130.319a

.188

.306

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


Hosmer and Lemeshow Test

Step 1

Chi-square

df

Sig.


6.049

8

.642


Classification Tablea


Observed

Predicted

Q1

Percentage Correct

no du chuan

no xau

Step 1

Q1

no du chuan

138

6

95.8

no xau

19

13

40.6

Overall Percentage



85.8

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