# 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 -0.281 0.133 4.468 1 0.035 0.755 .607 .940 amount_passed -2.159 0.902 5.736 1 0.017 0.115 .026 .508 Constant 0.285 0.542 0.277 1 0.599 1.33

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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 0.005 Model 16.668 5 0.005

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 0 Model 33.312 5 0

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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Ngày đăng: 03/04/2024