Luận văn Thạc sĩ Kinh tế: Những nhân tố ảnh hưởng đến quyết định gửi tiền tiết kiệm của khách hàng cá nhân tại Ngân hàng Đầu tư và phát triển Việt Nam – Chi nhánh Tây Ninh
7,782
916
109
Scale Mean
if Item
Deleted
Scale Variance
if Item Deleted
Corrected
Item-Total
Correlation
Cronbach's
Alpha if Item
Deleted
Thu nhap tu mu cao su
10.42
8.091
.620
.578
Thu nhap tu luong cong chuc
10.36
11.054
.313
.766
Thu nhap tu kinh doanh
10.38
8.905
.663
.558
Thu nhap tu nguon khac
10.51
11.012
.467
.679
Biến phụ thuộc
Reliability Statistics
Cronbach's
Alpha
N of Items
.811
8
Item-Total Statistics
Scale Mean
if Item
Deleted
Scale Variance
if Item Deleted
Corrected
Item-Total
Correlation
Cronbach's
Alpha if Item
Deleted
Quyet dinh gui tiet kiem vi lai
suat
30.03
10.852
.581
.786
Quyet dinh gui tiet kiem vi co
nguoi than quen
30.27
9.857
.605
.778
Quyet dinh gui tiet kiem vui
uy tin, thuong hieu ngan hang
30.18
10.074
.608
.778
Quyet dinh gui tiet kiem vi
chat luong dich vu
30.29
10.829
.441
.802
Quyet dinh gui tiet kiem vi
hinh thuc chieu thi
30.67
9.913
.560
.785
Quyet dinh gui tiet kiem vi
khong co su bat tien
30.38
10.549
.455
.801
Quyet dinh gui tiet kiem vi
yeu to nhan vien
30.13
10.905
.453
.800
Quyet dinh gui tiet kiem vi
yeu to nguon thu nhap
30.24
10.168
.534
.789
3. Kết quả phân tích EFA
EFA lần 1 các biến độc lập
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
.557
Bartlett's Test of
Sphericity
Approx. Chi-Square
1.539E3
df
253
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
4.127
17.945
17.945
4.127
17.945
17.945
2.934
12.755
12.755
2
3.833
16.666
34.612
3.833
16.666
34.612
2.847
12.380
25.135
3
2.315
10.067
44.679
2.315
10.067
44.679
2.427
10.553
35.688
4
1.920
8.348
53.027
1.920
8.348
53.027
2.210
9.608
45.296
5
1.435
6.240
59.267
1.435
6.240
59.267
2.207
9.595
54.891
6
1.247
5.421
64.688
1.247
5.421
64.688
1.745
7.586
62.477
7
1.224
5.321
70.009
1.224
5.321
70.009
1.732
7.532
70.009
8
.991
4.307
74.317
9
.946
4.112
78.428
10
.760
3.305
81.734
11
.652
2.835
84.569
12
.646
2.807
87.376
13
.516
2.244
89.619
14
.493
2.145
91.765
15
.353
1.533
93.298
16
.340
1.476
94.774
17
.273
1.187
95.961
18
.258
1.121
97.082
19
.199
.866
97.948
20
.181
.786
98.734
21
.135
.587
99.321
22
.092
.399
99.720
23
.064
.280
100.000
Rotated Component Matrix
a
Component
1
2
3
4
5
6
7
Khong co su bat tien ve dia
ly
.887
Thoi gian mo cua va lam viec
cua ngan hang hop ly
.826
Chi nhanh co nhieu phong
giao dich
.808
Khong co su bat tien ve
khong gian giao dich
.751
Thuong hieu ngan hang duoc
biet den rong rai
.861
Ngan hang hoat dong lau
nam
.787
Nhan vien co thai do phuc vu
tot
.725
Nhan vien nam vung nghiep
vu
.617
San pham tien gui da dang
phong phu
.824
Muc do bao mat ve thong tin
.738
Thu tuc giao dich don gian
.721
Cac muc lai suat duoc cong
bo ro rang
Nhan vien phuc vu khach
hang nhanh chong
Thu nhap tu kinh doanh
.859
Thu nhap tu mu cao su
.770
Thu nhap tu nguon khac
.747
Nhan vien co ngoai hinh de
nhin
.878
Nhan vien co trang phuc phu
hop
.876
Ngan hang thuong xuyen
quang cao
.735
Ngan hang co nhieu chuong
trinh khuyen mai
.725
Lai suat ap dung rat canh
tranh
Co nhieu nguoi than quen gui
tien tai ngan hang
.882
Nguoi than quen lam viec tai
ngan hang
.762
EFA lần 2 các biến độc lập
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling
Adequacy.
.528
Bartlett's Test of
Sphericity
Approx. Chi-Square
1.359E3
df
190
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
3.871
19.354
19.354
3.871
19.354
19.354
2.895
14.474
14.474
2
3.346
16.728
36.081
3.346
16.728
36.081
2.672
13.362
27.836
3
2.236
11.181
47.262
2.236
11.181
47.262
2.142
10.710
38.546
4
1.854
9.272
56.534
1.854
9.272
56.534
2.115
10.577
49.123
5
1.392
6.958
63.493
1.392
6.958
63.493
2.021
10.103
59.226
6
1.224
6.122
69.614
1.224
6.122
69.614
1.605
8.027
67.253
7
1.126
5.630
75.244
1.126
5.630
75.244
1.598
7.991
75.244
8
.840
4.199
79.444
9
.714
3.571
83.014
10
.678
3.392
86.406
11
.567
2.836
89.242
12
.500
2.498
91.740
13
.360
1.799
93.538
14
.313
1.567
95.105
15
.275
1.374
96.479
16
.203
1.015
97.494
17
.188
.939
98.433
18
.144
.720
99.153
19
.101
.507
99.660
20
.068
.340
100.000
Rotated Component Matrix
a
Component
1
2
3
4
5
6
7
Khong co su bat tien ve dia ly
.889
Thoi gian mo cua va lam viec cua ngan
hang hop ly
.824
Chi nhanh co nhieu phong giao dich
.808
Khong co su bat tien ve khong gian giao
dich
.759
Thuong hieu ngan hang duoc biet den rong
rai
.833
Nhan vien co thai do phuc vu tot
.795
Ngan hang hoat dong lau nam
.755
Nhan vien nam vung nghiep vu
.681
Thu nhap tu kinh doanh
.871
Thu nhap tu mu cao su
.769
Thu nhap tu nguon khac
.758
Muc do bao mat ve thong tin
.820
San pham tien gui da dang, phong phu
.815
Thu tuc giao dich don gian
.706
Nhan vien co ngoai hinh de nhin
.899
Nhan vien co trang phuc phu hop
.887
Ngan hang thuong xuyen quang cao
.838
Ngan hang co nhieu chuong trinh khuyen
mai
.787
Co nhieu nguoi than quen gui tien tai ngan
hang
.862
Nguoi than quen lam viec tai ngan hang
.832
EFA các biến phụ thuộc
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
.660
Bartlett's Test of Sphericity
Approx. Chi-Square
292.433
df
21
Sig.
.000
Rotated Component Matrix
a
Component
1
Nguoi than quen
0.746
Uy tin thuong hieu ngan hang
0.710
Nguon thu nhap
0.709
Hinh thuc chieu thi
0.706
Khong co su bat tien
0.610
Chat luong dich vu
0.591
Nhan vien
0.537
4. One sample T-test
One-Sample Statistics
N
Mean
Std. Deviation
Std. Error Mean
Khong co su bat tien ve dia ly
130
3.28
1.360
.119
Chi nhanh co nhieu Phong giao
dich
130
3.35
1.113
.098
Khong co su bat tien ve khong
gian giao dich
130
3.21
1.322
.116
Thu nhap tu mu cao su
130
3.47
1.536
.135
Thu nhap tu nguon khac
130
3.38
1.144
.100
Ngan hang thuong xuyen quang
cao
130
3.45
.997
.087
One-Sample Test
Test Value = 3
t
df
Sig. (2-tailed)
Mean
Difference
95% Confidence Interval of
the Difference
Lower
Upper
Khong co su bat tien ve dia ly
2.387
129
.018
.285
.05
.52
Chi nhanh co nhieu Phong giao
dich
3.626
129
.000
.354
.16
.55
Khong co su bat tien ve khong
gian giao dich
1.792
129
.076
.208
-.02
.44
Thu nhap tu mu cao su
3.483
129
.001
.469
.20
.74
Thu nhap tu nguon khac
3.834
129
.000
.385
.19
.58
Ngan hang thuong xuyen quang
cao
5.104
129
.000
.446
.27
.62
One-Sample Statistics
N
Mean
Std. Deviation
Std. Error Mean
Thoi gian mo cua va lam viec
cua ngan hang hop ly
130
3.54
1.108
.097
Thuong hieu ngan hang duoc
biet den rong rai
130
3.82
1.091
.096
Ngan hang hoat dong lau nam
130
4.05
1.174
.103
Nhan vien co thai do phuc vu
tot
130
4.41
.754
.066
Nhan vien nam vung nghiep vu
130
4.21
.851
.075
Thu nhap tu kinh doanh
130
3.51
1.319
.116
San pham tien gui da dang,
phong phu
130
4.20
.730
.064
Thu tuc giao dich don gian
130
4.12
.868
.076
Nhan vien co ngoai hinh de
nhin
130
3.90
.971
.085
Nhan vien co trang phuc phu
hop
130
3.82
1.103
.097
Nhan vien co nhieu chuong
trinh khuyen mai
130
3.99
.928
.081
Co nhieu nguoi than quen gui
tien tai ngan hang
130
3.62
1.265
.111
Nguoi than quen lam viec tai
ngan hang
130
3.75
1.227
.108
One-Sample Test
Test Value = 4
t
df
Sig. (2-tailed)
Mean
Difference
95% Confidence Interval of
the Difference
Lower
Upper
Thoi gian mo cua va lam viec
cua ngan hang hop ly
-4.750
129
.000
-.462
-.65
-.27
Thuong hieu ngan hang duoc
biet den rong rai
-1.929
129
.056
-.185
-.37
.00
Ngan hang hoat dong lau nam
.448
129
.655
.046
-.16
.25
Nhan vien co thai do phuc vu tot
6.163
129
.000
.408
.28
.54
Nhan vien nam vung nghiep vu
2.783
129
.006
.208
.06
.36
Thu nhap tu kinh doanh
-4.255
129
.000
-.492
-.72
-.26
San pham tien gui da dang,
phong phu
3.122
129
.002
.200
.07
.33
Thu tuc giao dich don gian
1.515
129
.132
.115
-.04
.27
Nhan vien co ngoai hinh de nhin
-1.174
129
.243
-.100
-.27
.07
Nhan vien co trang phuc phu
hop
-1.829
129
.070
-.177
-.37
.01
Nhan vien co nhieu chuong trinh
khuyen mai
-.095
129
.925
-.008
-.17
.15
Co nhieu nguoi than quen gui
tien tai ngan hang
-3.396
129
.001
-.377
-.60
-.16
Nguoi than quen lam viec tai
ngan hang
-2.288
129
.024
-.246
-.46
-.03
One-Sample Statistics
N
Mean
Std. Deviation
Std. Error Mean
Muc do bao mat ve thong tin
130
4.58
.656
.058
One-Sample Test
Test Value = 5
t
df
Sig. (2-tailed)
Mean
Difference
95% Confidence Interval
of the Difference
Lower
Upper
Muc do bao mat ve thong tin
-7.216
129
.000
-.415
-.53
-.30
5. Kết quả phân tích hồi quy
Model Summary
Model
R
R Square
Adjusted R Square
Std. Error of the
Estimate
1
.680
a
.527
.517
.59463
ANOVA
b
Model
Sum of Squares
df
Mean Square
F
Sig.
1
Regression
9.570
7
1.367
8.779
.000
a
Residual
18.999
122
.156
Total
28.569
129
Coefficients
a
Model
Unstandardized Coefficients
Standardized
Coefficients
t
Sig.
B
Std. Error
Beta
1
(Constant)
4.290
.240
123.952
.000
Khong co su bat tien
.223
.060
. 257
.661
.005
Uy tin thuong hieu
.282
.035
.301
2.365
.002
Nguon thu nhap
.117
.052
.132
.195
.006
Chat luong dich vu
.368
.060
.425
4.829
.000
Nhan vien
.113
.035
.126
.874
.003
Hinh thuc chieu thi
.347
.056
.365
4.223
.000
Nguoi than quen
.327
.035
.351
3.669
.000