Phân Tích Nhân Tố Khám Phá (Exploratory Factor Analysis

PHỤ LỤC 3: KẾT QUẢ XỬ LÝ, PHÂN TÍCH SPSS

1. Đặc điểm mẫu điều tra:

Cơ cấu mẫu theo giới tính

Gioi tinh

Frequency	Percent	Valid Percent	Cumulative Percent
	Nam	44	35.2	35.2	35.2
Valid	Nu	81	64.8	64.8	100.0
	Total	125	100.0	100.0

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Cơ cấu mẫu theo độ tuổi

Do tuoi

Frequency	Percent	Valid Percent	Cumulative Percent
	Duoi 25 tuoi	14	11.2	11.2	11.2
	Tu 25-35 tuoi	39	31.2	31.2	42.4
Valid	Tu 35-45 tuoi	35	28.0	28.0	70.4
	Trên 45 tuoi	37	29.6	29.6	100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo nghề nghiệp

Nghe nghiep

Frequency	Percent	Valid Percent	Cumulative Percent
	Nong dan, cong nhan	41	32.8	32.8	32.8
	Can bo, vien chuc	29	23.2	23.2	56.0
Valid	Buon ban, kinh doanh	50	40.0	40.0	96.0
	Khac	5	4.0	4.0	100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo thu nhập

Thu nhap

Frequency	Percent	Valid Percent	Cumulative Percent
	Duoi 5 trieu	15	12.0	12.0	12.0
	Tu 5-10 trieu	75	60.0	60.0	72.0
Valid	Tu 10-20 trieu	25	20.0	20.0	92.0
	Tren 20 trieu	10	8.0	8.0	100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo số lần sử dụng dịch vụ tại ngân hàng

So lan su dung

Frequency	Percent	Valid Percent	Cumulative Percent
	Lan dau	45	36.0	36.0	36.0
Valid	Tu 2-3 lan Tu 4-5 lan	50 30	40.0 24.0	40.0 24.0	76.0 100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo mục đích sử dụng

Muc dich su dung

Frequency	Percent	Valid Percent	Cumulative Percent
	Vay tien mua do noi that		28	22.4	22.4	22.4
	Vay tien mua do dien tu		36	28.8	28.8	51.2
	Vay tien sua chua nha cua		28	22.4	22.4	73.6
Valid	Vay tien dap ung chi tieu, tap	hoc	26	20.8	20.8	94.4
	khac		7	5.6	5.6	100.0
	Total		125	100.0	100.0

Cơ cấu mẫu theo nguồn thông tin giúp khách hàng biết đến ngân hàn

Internet,mang xa hoi

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	75	60.0	60.0	60.0
Valid	Khong	50	40.0	40.0	100.0
	Total	125	100.0	100.0

Nhan vien ngan hang

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	50	40.0	40.0	40.0
Valid	Khong	75	60.0	60.0	100.0
	Total	125	100.0	100.0

Ban be, nguoi than

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	83	66.4	66.4	66.4
Valid	Khong	42	33.6	33.6	100.0
	Total	125	100.0	100.0

Thong qua quang cao

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	35	28.0	28.0	28.0
Valid	Khong	90	72.0	72.0	100.0
	Total	125	100.0	100.0

khac

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	21	16.8	16.8	16.8
Valid	Khong	104	83.2	83.2	100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo lý do khách hàng lựa chọn dịch vụ cho vay tiêu dùng tại ngân hàng

Thu tuc tien loi

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	65	52.0	52.0	52.0
Valid	Khong	60	48.0	48.0	100.0
	Total	125	100.0	100.0

CLDV tot

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	62	49.6	49.6	49.6
Valid	Khong	63	50.4	50.4	100.0
	Total	125	100.0	100.0

Lai suat canh tranh

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	33	26.4	26.4	26.4
Valid	Khong	92	73.6	73.6	100.0
	Total	125	100.0	100.0

NH uy tin

Frequency	Percent	Valid Percent	Cumulative Percent
	co	48	38.4	38.4	38.4
Valid	Khong	77	61.6	61.6	100.0
	Total	125	100.0	100.0

Khac

Frequency	Percent	Valid Percent	Cumulative Percent
	Co	14	11.2	11.2	11.2
Valid	Khong	111	88.8	88.8	100.0
	Total	125	100.0	100.0

Cơ cấu mẫu theo thời gian giao dịch gần nhất

Thoi gian giao dich gan nhat

Frequency	Percent	Valid Percent	Cumulative Percent
	Duoi 1 tuan	13	10.4	10.4	10.4
	Khoang 1 thang tro lai	26	20.8	20.8	31.2
Valid	Tu 1-6 thang	31	24.8	24.8	56.0
	Trên 1 nam	55	44.0	44.0	100.0
	Total	125	100.0	100.0

2. Kiểm định độ tin cậy thang đo:

Sự tin cậy

Reliability Statistics

Cronbach's Alpha

N of Items
.840	4

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
TC1	11.02	7.685	.651	.808
TC2	11.02	7.274	.739	.768
TC3	10.94	7.940	.639	.812
TC4	11.01	7.831	.666	.801

Năng lực phục vụ

Reliability Statistics

Cronbach's Alpha

N of Items
.805	4

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
PV1	11.54	5.927	.696	.719
PV2	11.38	6.011	.670	.731
PV3	11.71	6.303	.555	.789
PV4	11.62	6.577	.565	.781

Khả năng đáp ứng

Reliability Statistics

Cronbach's Alpha

N of Items
.743	4

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item-Total Correlation	Cronbach's Alpha if Item Deleted
DU1	11.00	5.758	.579	.659
DU2	11.18	6.167	.569	.665
DU3	11.30	6.455	.519	.693
DU4	11.25	6.720	.479	.714

Phường tiện hữu hình

Reliability Statistics

Cronbach's Alpha

N of Items
.770	4

Item-Total Statistics

Scale Mean if Item

Deleted

Scale Variance if

Item Deleted

Corrected Item-Total

Correlation

Cronbach's Alpha if Item

Deleted

HH1

11.15

5.469

.546

.728

HH2

10.94	5.496	.557	.722
HH3	11.25	5.204	.639	.679
HH4	11.21	5.440	.544	.730

Sự đồng cảm

Reliability Statistics

Cronbach's Alpha

N of Items
.805	4

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item-Total Correlation	Cronbach's Alpha if Item Deleted
DC1	10.13	8.371	.595	.767
DC2	10.54	7.911	.592	.770
DC3	10.46	8.734	.623	.758
DC4	10.15	7.275	.682	.724

Sự hài lòng

Reliability Statistics

Cronbach's Alpha

N of Items
.707	3

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item-Total Correlation	Cronbach's Alpha if Item Deleted
HL1	7.46	2.121	.502	.650
HL2	7.50	1.704	.560	.570
HL3	7.50	1.720	.524	.621

3. Phân tích nhân tố khám phá (Exploratory Factor Analysis – EFA)

Kiểm định KMO và Bartlett’s Test biến độc lập

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.744
Approx. Chi-Square	878.351
Bartlett's Test of Sphericity df	190
Sig.	.000

Phân tích nhân tố khám phá EFA biến độc lập

Total Variance Explained

Component

Initial		Eigenvalues	Extraction Sums of Squared Loadings			Rotation Sums of Square		d Loadings
Total	% of Variance	Cumulative %	Total	% of Variance	Cumulative %	Total	% of Variance	Cumulative %
1	4.135	20.675	20.675	4.135	20.675	20.675	2.824	14.120	14.120
2	2.508	12.541	33.217	2.508	12.541	33.217	2.582	12.911	27.031
3	2.327	11.637	44.854	2.327	11.637	44.854	2.558	12.790	39.820
4	2.018	10.089	54.942	2.018	10.089	54.942	2.428	12.139	51.959
5	1.704	8.520	63.462	1.704	8.520	63.462	2.301	11.503	63.462
6	.931	4.653	68.115
7	.807	4.036	72.151
8	.687	3.437	75.588
9	.617	3.086	78.674
10	.531	2.655	81.329
11	.510	2.552	83.880
12	.474	2.369	86.250
13	.462	2.311	88.561
14	.427	2.135	90.696
15	.379	1.893	92.589
16	.368	1.840	94.430
17	.334	1.669	96.098
18	.303	1.517	97.615
19	.264	1.322	98.937
20	.213	1.063	100.000

Extraction Method: Principal Component Analysis.

115

Rotated Component Matrixa

Component
1	2	3	4	5
TC2	.858
TC4	.817
TC1	.795
TC3	.755
PV1		.848
PV2		.831
PV4		.734
PV3		.717
DC4			.828
DC3			.780
DC2			.776
DC1			.747
HH3				.802
HH1				.773
HH4				.718
HH2				.715
DU1					.776
DU2					.747
DU3					.739
DU4					.713

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.

a. Rotation converged in 5 iterations.

Kiểm định KMO và Bartlett’s Test biến phụ thuộc

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.672
Approx. Chi-Square	68.234
Bartlett's Test of Sphericity df	3
Sig.	.000

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Ngày đăng: 30/06/2022