Trang chủ / Cho Vay Tiêu Dùng

Phân Tích Nhân Tố Khám Phá (Exploratory Factor Analysis – Efa)

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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