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Thực trạng hoạt động cho vay ngắn hạn và một số giải pháp nâng cao chất lượng dịch vụ tín dụng ngắn hạn tại Ngân hàng TMCP Công Thương Việt Nam Vietinbank – Chi nhánh 12 - 12

PHỤ LỤC 3

KẾT QUẢ KIỂM ĐỊNH CRONBACH ALPHA


Nhân tố Độ tin cậy

Reliability Statistics

Cronbach's Alpha

N of Items

.746

5

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Thực trạng hoạt động cho vay ngắn hạn và một số giải pháp nâng cao chất lượng dịch vụ tín dụng ngắn hạn tại Ngân hàng TMCP Công Thương Việt Nam Vietinbank – Chi nhánh 12 - 12


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-

Total Correlation

Cronbach's

Alpha if Item Deleted

DTC1

14.49

3.326

.505

.703

DTC2

14.53

3.105

.579

.674

DTC3

14.51

3.156

.585

.673

DTC4

14.73

3.718

.320

.766

DTC5

14.68

3.103

.569

.678


Nhân tố Sự đáp ứng

Reliability Statistics

Cronbach's Alpha

N of Items

.776

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-

Total Correlation

Cronbach's

Alpha if Item Deleted

SDU1

14.27

4.017

.460

.763

SDU2

14.26

3.934

.555

.733

SDU3

14.46

3.787

.628

.710

SDU4

14.56

3.554

.578

.725

SDU5

14.83

3.713

.536

.739

Nhân tố Sự đảm bảo


Reliability Statistics

Cronbach's Alpha

N of Items

.699

4


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-

Total Correlation

Cronbach's

Alpha if Item Deleted

SDB1

11.05

2.118

.464

.647

SDB2

11.10

1.970

.526

.609

SDB3

11.15

2.008

.479

.639

SDB4

11.12

2.082

.466

.646


Nhân tố Sự cảm thông


Reliability Statistics

Cronbach's Alpha

N of Items

.760

4


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

SCT1

11.13

2.536

.518

.726

SCT2

11.02

2.472

.605

.680

SCT3

11.20

2.372

.618

.671

SCT4

11.23

2.560

.498

.737

Nhân tố Tính hữu hình


Reliability Statistics

Cronbach's Alpha

N of Items

.745

4


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total

Correlation

Cronbach's Alpha if Item

Deleted

THH1

11.19

2.426

.520

.699

THH2

11.25

2.631

.524

.696

THH3

11.32

2.450

.560

.676

THH4

11.30

2.452

.556

.677


Nhân tố Tính tiếp cận


Reliability Statistics

Cronbach's Alpha

N of Items

.632

3


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total

Correlation

Cronbach's Alpha if Item

Deleted

TTC1

7.37

1.008

.480

.482

TTC2

7.38

.869

.606

.289

TTC3

7.40

1.115

.272

.770

PHỤ LỤC 4

KẾT QUẢ KIỂM ĐỊNH NHÂN TỐ KHÁM PHÁ EFA


Phân tích nhân tố lần 1

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.755


Bartlett's Test of Sphericity

Approx. Chi-Square

1589.064

df

276

Sig.

.000


Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

1

4.474

18.640

18.640

4.474

18.640

18.640

2.767

11.528

11.528

2

2.676

11.150

29.790

2.676

11.150

29.790

2.550

10.624

22.153

3

2.409

10.036

39.826

2.409

10.036

39.826

2.410

10.043

32.195

4

2.287

9.529

49.354

2.287

9.529

49.354

2.393

9.971

42.166

5

1.404

5.850

55.205

1.404

5.850

55.205

2.216

9.233

51.399

6

1.268

5.284

60.489

1.268

5.284

60.489

2.181

9.089

60.489

7

.941

3.920

64.409







8

.923

3.847

68.256







9

.765

3.188

71.445







10

.722

3.008

74.452







11

.684

2.849

77.301







12

.623

2.598

79.899







13

.576

2.400

82.299







14

.535

2.230

84.530







15

.521

2.173

86.702







16

.478

1.990

88.692







17

.465

1.937

90.629







18

.422

1.759

92.388







19

.378

1.575

93.962







20

.365

1.520

95.482







21

.328

1.368

96.850







22

.311

1.296

98.146







23

.280

1.169

99.315







24

.164

.685

100.000







Extraction Method: Principal Component Analysis.

Rotated Component Matrixa


Component

1

2

3

4

5

6

TTC1

.871






SDU1

.834






TTC2

.788






DTC5


.738





DTC2


.728





DTC3


.720





DTC1

.487

.581





DTC4


.550





THH3



.753




THH4



.737




THH2



.730




THH1



.707




SCT2




.808



SCT3




.797



SCT1




.745



SCT4




.681



SDB4





.726


SDB3





.713


SDB2





.700


SDB1





.687


SDU4






.818

SDU5






.813

SDU3





.325

.643

SDU2

.452





.496

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

a. Rotation converged in 7 iterations.


Phân tích nhân tố lần 2

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.724


Bartlett's Test of Sphericity

Approx. Chi-Square

1366.435

df

231

Sig.

.000

Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

1

3.872

17.601

17.601

3.872

17.601

17.601

2.417

10.989

10.989

2

2.591

11.778

29.379

2.591

11.778

29.379

2.395

10.886

21.874

3

2.282

10.374

39.753

2.282

10.374

39.753

2.388

10.856

32.730

4

2.256

10.255

50.008

2.256

10.255

50.008

2.247

10.212

42.943

5

1.387

6.303

56.311

1.387

6.303

56.311

2.214

10.064

53.007

6

1.198

5.447

61.758

1.198

5.447

61.758

1.925

8.752

61.758

7

.925

4.205

65.963







8

.841

3.823

69.786







9

.743

3.379

73.165







10

.706

3.210

76.375







11

.659

2.996

79.371







12

.578

2.627

81.998







13

.536

2.438

84.436







14

.526

2.392

86.828







15

.503

2.288

89.116







16

.461

2.094

91.210







17

.437

1.987

93.197







18

.371

1.685

94.882







19

.346

1.573

96.455







20

.317

1.443

97.898







21

.291

1.322

99.220







22

.172

.780

100.000







Extraction Method: Principal Component Analysis.

Rotated Component Matrixa


Component

1

2

3

4

5

6

TTC1

.885






SDU1

.844






TTC2

.817






THH3


.752





THH4


.743





THH2


.725





THH1


.718





SCT2



.809




SCT3



.798




SCT1



.744




SCT4



.681




DTC5




.751



DTC3




.750



DTC2




.694



DTC4




.582



SDB4





.729


SDB3





.713


SDB2





.693


SDB1





.691


SDU5






.852

SDU4






.848

SDU3





.338

.602

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

a. Rotation converged in 6 iterations.


Phân tích nhân tố lần 3

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.715


Bartlett's Test of Sphericity

Approx. Chi-Square

1248.918

df

210

Sig.

.000

Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

1

3.602

17.155

17.155

3.602

17.155

17.155

2.407

11.463

11.463

2

2.563

12.204

29.358

2.563

12.204

29.358

2.390

11.383

22.845

3

2.282

10.868

40.226

2.282

10.868

40.226

2.383

11.349

34.195

4

2.177

10.368

50.594

2.177

10.368

50.594

2.202

10.485

44.680

5

1.290

6.142

56.736

1.290

6.142

56.736

2.144

10.209

54.888

6

1.194

5.684

62.420

1.194

5.684

62.420

1.582

7.531

62.420

7

.915

4.356

66.776







8

.840

4.001

70.776







9

.736

3.503

74.279







10

.704

3.351

77.631







11

.578

2.754

80.385







12

.557

2.654

83.039







13

.532

2.532

85.570







14

.504

2.398

87.968







15

.489

2.328

90.296







16

.443

2.110

92.406







17

.417

1.985

94.392







18

.362

1.722

96.114







19

.332

1.581

97.696







20

.299

1.424

99.120







21

.185

.880

100.000







Extraction Method: Principal Component Analysis.

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