Luận văn Thạc sỹ Khoa học kinh tế: Chất lượng dịch vụ tín dụng hộ nghèo tại Ngân hàng Chính sách xã hội huyện Phú Lộc

10,219
783
150
130
ANOVA
,807
1
,807
,616
,433
390,180
298
1,309
390,987
299
,375
1
,375
,316
,575
354,195
298
1,189
354,570
299
1,042
1
1,042
,776
,379
400,195
298
1,343
401,237
299
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
phuong thuc tra no
phuong thuc tra lai
phuong thuc gui tiet kiem
Sum of
Squares
df
Mean Square
F
Sig.
ANOVA
20,907
1
20,907
17,563
,000
354,730
298
1,190
375,637
299
,427
1
,427
,722
,396
176,170
298
,591
176,597
299
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
quy trinh thu tuc
ho so vay von
Sum of
Squares
df
Mean Square
F
Sig.
K.ĐỊNH T-Test VỀ PHƯƠNG THỨC TRẢ NỢ , TRẢ LÃI VÀ GỬI TK
One-Sample Statistics
300
2,4933
1,14352
,06602
300
2,5900
1,08897
,06287
300
2,7433
1,15842
,06688
phuong thuc tra no
phuong thuc tra lai
phuong thuc gui tiet kiem
N
Mean
Std. Deviation
Std. Error
Mean
Descriptives
N
Mean
Std. Deviation
Std. Error
95% Confidence
Interval for Mean
phuong thuc tra no
to truong
100
2,4200
1,12079
,11208
2,1976
2,6424
thanh vien hvv
200
2,5300
1,15576
,08172
2,3688
2,6912
Total
300
2,4933
1,14352
,06602
2,3634
2,6233
phuong thuc tra lai
to truong
100
2,5400
1,14962
,11496
2,3119
2,7681
thanh vien hvv
200
2,6150
1,05943
,07491
2,4673
2,7627
Total
300
2,5900
1,08897
,06287
2,4663
2,7137
phuong thuc gui tiet kiem
to truong
100
2,6600
1,19104
,11910
2,4237
2,8963
thanh vien hvv
200
2,7850
1,14250
,08079
2,6257
2,9443
Total
300
2,7433
1,15842
,06688
2,6117
2,8750
ĐAI HOC KINH TÊ HUÊ
130 ANOVA ,807 1 ,807 ,616 ,433 390,180 298 1,309 390,987 299 ,375 1 ,375 ,316 ,575 354,195 298 1,189 354,570 299 1,042 1 1,042 ,776 ,379 400,195 298 1,343 401,237 299 Between Groups Within Groups Total Between Groups Within Groups Total Between Groups Within Groups Total phuong thuc tra no phuong thuc tra lai phuong thuc gui tiet kiem Sum of Squares df Mean Square F Sig. ANOVA 20,907 1 20,907 17,563 ,000 354,730 298 1,190 375,637 299 ,427 1 ,427 ,722 ,396 176,170 298 ,591 176,597 299 Between Groups Within Groups Total Between Groups Within Groups Total quy trinh thu tuc ho so vay von Sum of Squares df Mean Square F Sig. K.ĐỊNH T-Test VỀ PHƯƠNG THỨC TRẢ NỢ , TRẢ LÃI VÀ GỬI TK One-Sample Statistics 300 2,4933 1,14352 ,06602 300 2,5900 1,08897 ,06287 300 2,7433 1,15842 ,06688 phuong thuc tra no phuong thuc tra lai phuong thuc gui tiet kiem N Mean Std. Deviation Std. Error Mean Descriptives N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean phuong thuc tra no to truong 100 2,4200 1,12079 ,11208 2,1976 2,6424 thanh vien hvv 200 2,5300 1,15576 ,08172 2,3688 2,6912 Total 300 2,4933 1,14352 ,06602 2,3634 2,6233 phuong thuc tra lai to truong 100 2,5400 1,14962 ,11496 2,3119 2,7681 thanh vien hvv 200 2,6150 1,05943 ,07491 2,4673 2,7627 Total 300 2,5900 1,08897 ,06287 2,4663 2,7137 phuong thuc gui tiet kiem to truong 100 2,6600 1,19104 ,11910 2,4237 2,8963 thanh vien hvv 200 2,7850 1,14250 ,08079 2,6257 2,9443 Total 300 2,7433 1,15842 ,06688 2,6117 2,8750 ĐAI HOC KINH TÊ HUÊ
131
KIỂM ĐỊNH T-TEST VỀ MÔ HÌNH PHỤC VỤ
One-Sample Statistics
N
Mean
Std. Deviation
Std. Error
Mean
Thu tuc hs VV lien quan toi
ho vay duoc lap tai xa
200
2,10
,510
,036
NHCSXH giai ngan truc
tiep toi ho vay tai diem giao
dich
200
1,796
,807
,057
Ho vay gui tien to truong
len gui tien lai, gui tiet kiem
NH
200
2,323
,756
,053
Ho vay tra no goc truc tiep
cho NH tai diem giao dich
200
3,856
,890
,063
Descriptives
N
Mean
Std.
Deviation
Std. Error
95% Confidence
Interval for Mean
Ho so vay von duoc lap
tai xa
to truong
100
1,7500
,74366
,07437
1,6024
1,8976
thanh vien hvv
200
2,2750
1,06066
,07500
2,1271
2,4229
Total
300
2,1000
,99665
,05754
1,9868
2,2132
NHCS giai ngan truc tiep
tai diem giao dich
to truong
100
1,7500
,62563
,06256
1,6259
1,8741
thanh vien hvv
200
1,8200
,80676
,05705
1,7075
1,9325
Total
300
1,7967
,75091
,04335
1,7113
1,8820
Ho vay gui tien to truong
len nop lai va tiet kiem
to truong
100
2,3700
1,06983
,10698
2,1577
2,5823
thanh vien hvv
200
2,3000
1,21134
,08565
2,1311
2,4689
Total
300
2,3233
1,16475
,06725
2,1910
2,4557
ho vay tra no goc truc
tiep cho nh tai DGD
to truong
100
3,4900
,77192
,07719
3,3368
3,6432
thanh vien hvv
200
4,0400
,89015
,06294
3,9159
4,1641
Total
300
3,8567
,89000
,05138
3,7555
3,9578
ANOVA
2,940
1
2,940
8,232
,004
106,430
298
,357
109,370
299
,327
1
,327
,579
,447
168,270
298
,565
168,597
299
,327
1
,327
,240
,624
405,310
298
1,360
405,637
299
20,167
1
20,167
27,736
,000
216,670
298
,727
236,837
299
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Ho so vay von duoc lap
tai xa
NHCS giai ngan truc
tiep tai diem giao dich
Ho vay gui tien to truong
len nop lai va tiet kiem
ho vay tra no goc truc
tiep cho nh tai DGD
Sum of
Squares
df
Mean Square
F
Sig.
ĐAI HOC KINH TÊ HUÊ
131 KIỂM ĐỊNH T-TEST VỀ MÔ HÌNH PHỤC VỤ One-Sample Statistics N Mean Std. Deviation Std. Error Mean Thu tuc hs VV lien quan toi ho vay duoc lap tai xa 200 2,10 ,510 ,036 NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich 200 1,796 ,807 ,057 Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH 200 2,323 ,756 ,053 Ho vay tra no goc truc tiep cho NH tai diem giao dich 200 3,856 ,890 ,063 Descriptives N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean Ho so vay von duoc lap tai xa to truong 100 1,7500 ,74366 ,07437 1,6024 1,8976 thanh vien hvv 200 2,2750 1,06066 ,07500 2,1271 2,4229 Total 300 2,1000 ,99665 ,05754 1,9868 2,2132 NHCS giai ngan truc tiep tai diem giao dich to truong 100 1,7500 ,62563 ,06256 1,6259 1,8741 thanh vien hvv 200 1,8200 ,80676 ,05705 1,7075 1,9325 Total 300 1,7967 ,75091 ,04335 1,7113 1,8820 Ho vay gui tien to truong len nop lai va tiet kiem to truong 100 2,3700 1,06983 ,10698 2,1577 2,5823 thanh vien hvv 200 2,3000 1,21134 ,08565 2,1311 2,4689 Total 300 2,3233 1,16475 ,06725 2,1910 2,4557 ho vay tra no goc truc tiep cho nh tai DGD to truong 100 3,4900 ,77192 ,07719 3,3368 3,6432 thanh vien hvv 200 4,0400 ,89015 ,06294 3,9159 4,1641 Total 300 3,8567 ,89000 ,05138 3,7555 3,9578 ANOVA 2,940 1 2,940 8,232 ,004 106,430 298 ,357 109,370 299 ,327 1 ,327 ,579 ,447 168,270 298 ,565 168,597 299 ,327 1 ,327 ,240 ,624 405,310 298 1,360 405,637 299 20,167 1 20,167 27,736 ,000 216,670 298 ,727 236,837 299 Between Groups Within Groups Total Between Groups Within Groups Total Between Groups Within Groups Total Between Groups Within Groups Total Ho so vay von duoc lap tai xa NHCS giai ngan truc tiep tai diem giao dich Ho vay gui tien to truong len nop lai va tiet kiem ho vay tra no goc truc tiep cho nh tai DGD Sum of Squares df Mean Square F Sig. ĐAI HOC KINH TÊ HUÊ
132
KIỂM ĐỊNH T-Test VỀ CÁC HỖ TRỢ KHÁC
One-Sample Statistics
300
2,7500
1,05730
,06104
300
3,3767
1,47265
,08502
Sinh hoat trong to
Cac ho tro khac
N
Mean
Std. Deviation
Std. Error
Mean
Descriptives
N
Mean
Std.
Deviation
Std. Error
95% Confidence
Interval for Mean
Sinh hoat trong to
to truong
100
2,0200
,81625
,08162
1,8580
2,1820
thanh vien hvv
200
3,1150
,97289
,06879
2,9793
3,2507
Total
300
2,7500
1,05730
,06104
2,6299
2,8701
Cac ho tro khac
to truong
100
3,7500
1,52670
,15267
3,4471
4,0529
thanh vien hvv
200
3,1900
1,41204
,09985
2,9931
3,3869
Total
300
3,3767
1,47265
,08502
3,2093
3,5440
ANOVA
79,935
1
79,935
93,666
,000
254,315
298
,853
334,250
299
20,907
1
20,907
9,928
,002
627,530
298
2,106
648,437
299
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Sinh hoat trong to
Cac ho tro khac
Sum of
Squares
df
Mean Square
F
Sig.
KIỂM ĐỊNH T-Test CƠ SỞ VẬT CHẤT VÀ NHÂN VIÊN PHỤC VỤ
Descriptives
N
Mean
Std.
Deviation
Std.
Error
95% Confidence
Interval for Mean
Co so, vat chat ptien lam
viec cua NH tai DGD
to truong
100
2,6900
,95023
,09502
2,5015
2,8785
thanh vien hvv
200
2,3450
1,11002
,07849
2,1902
2,4998
Total
300
2,4600
1,07030
,06179
2,3384
2,5816
Nang luc lam viec cua
nhan vien
to truong
100
1,71
,608
,061
1,59
1,83
thanh vien hvv
200
2,06
,854
,060
1,94
2,18
Total
300
1,94
,797
,046
1,85
2,03
Thai do phuc vu cua nhan
vien
to truong
100
1,76
,726
,073
1,62
1,90
thanh vien hvv
200
1,99
,760
,054
1,88
2,09
Total
300
1,91
,755
,044
1,82
2,00
ĐAI HOC KINH TÊ HUÊ
132 KIỂM ĐỊNH T-Test VỀ CÁC HỖ TRỢ KHÁC One-Sample Statistics 300 2,7500 1,05730 ,06104 300 3,3767 1,47265 ,08502 Sinh hoat trong to Cac ho tro khac N Mean Std. Deviation Std. Error Mean Descriptives N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean Sinh hoat trong to to truong 100 2,0200 ,81625 ,08162 1,8580 2,1820 thanh vien hvv 200 3,1150 ,97289 ,06879 2,9793 3,2507 Total 300 2,7500 1,05730 ,06104 2,6299 2,8701 Cac ho tro khac to truong 100 3,7500 1,52670 ,15267 3,4471 4,0529 thanh vien hvv 200 3,1900 1,41204 ,09985 2,9931 3,3869 Total 300 3,3767 1,47265 ,08502 3,2093 3,5440 ANOVA 79,935 1 79,935 93,666 ,000 254,315 298 ,853 334,250 299 20,907 1 20,907 9,928 ,002 627,530 298 2,106 648,437 299 Between Groups Within Groups Total Between Groups Within Groups Total Sinh hoat trong to Cac ho tro khac Sum of Squares df Mean Square F Sig. KIỂM ĐỊNH T-Test CƠ SỞ VẬT CHẤT VÀ NHÂN VIÊN PHỤC VỤ Descriptives N Mean Std. Deviation Std. Error 95% Confidence Interval for Mean Co so, vat chat ptien lam viec cua NH tai DGD to truong 100 2,6900 ,95023 ,09502 2,5015 2,8785 thanh vien hvv 200 2,3450 1,11002 ,07849 2,1902 2,4998 Total 300 2,4600 1,07030 ,06179 2,3384 2,5816 Nang luc lam viec cua nhan vien to truong 100 1,71 ,608 ,061 1,59 1,83 thanh vien hvv 200 2,06 ,854 ,060 1,94 2,18 Total 300 1,94 ,797 ,046 1,85 2,03 Thai do phuc vu cua nhan vien to truong 100 1,76 ,726 ,073 1,62 1,90 thanh vien hvv 200 1,99 ,760 ,054 1,88 2,09 Total 300 1,91 ,755 ,044 1,82 2,00 ĐAI HOC KINH TÊ HUÊ
133
ANOVA
7,935
1
7,935
7,067
,008
334,585
298
1,123
342,520
299
8,167
1
8,167
13,381
,000
181,870
298
,610
190,037
299
3,375
1
3,375
6,015
,015
167,195
298
,561
170,570
299
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Between Groups
Within Groups
Total
Co so, vat chat ptien lam
viec cua NH tai DGD
Nang luc lam viec cua
nhan vien
Thai do phuc vu cua
nhan vien
Sum of
Squares
df
Mean Square
F
Sig.
One-Sample Statistics
300
2,4600
1,07030
,06179
300
1,94
,797
,046
300
1,91
,755
,044
Co so, vat chat ptien lam
viec cua NH tai DGD
Nang luc lam viec cua
nhan vien
Thai do phuc vu cua
nhan vien
N
Mean
Std. Deviation
Std. Error
Mean
ĐAI HOC KINH TÊ HUÊ
133 ANOVA 7,935 1 7,935 7,067 ,008 334,585 298 1,123 342,520 299 8,167 1 8,167 13,381 ,000 181,870 298 ,610 190,037 299 3,375 1 3,375 6,015 ,015 167,195 298 ,561 170,570 299 Between Groups Within Groups Total Between Groups Within Groups Total Between Groups Within Groups Total Co so, vat chat ptien lam viec cua NH tai DGD Nang luc lam viec cua nhan vien Thai do phuc vu cua nhan vien Sum of Squares df Mean Square F Sig. One-Sample Statistics 300 2,4600 1,07030 ,06179 300 1,94 ,797 ,046 300 1,91 ,755 ,044 Co so, vat chat ptien lam viec cua NH tai DGD Nang luc lam viec cua nhan vien Thai do phuc vu cua nhan vien N Mean Std. Deviation Std. Error Mean ĐAI HOC KINH TÊ HUÊ
134
PHỤ LỤC. PHÂN TÍCH NHÂN TỐ KHÁM PHÁ EFA
Phân tích nhân tố khám phá EFA cho thang đo chất lượng dịch vụ tín dụng hộ
nghèo vay vốn tại ngân hàng chính sách xã hội huyện Phú Lộc
Descriptive Statistics
2,22
,82200
200
0
2,31
,74600
200
0
1,45
,56500
200
0
1,76
,606
200
0
2,45
,671
200
0
1,68
,519
200
0
2,01
,607
200
0
3,40
,510
200
0
1,54
,607
200
0
1,82
,890
200
0
1,42
,552
200
0
4,04
,870
200
0
1,05
,769
200
0
2,26
,680
200
0
3,88
,850
200
0
1,81
,500
200
0
1,89
,739
200
0
1,61
,584
200
0
1,68
,608
200
0
Muc cho vay
Thoi han cho vay
Lai suat cho vay
Quy trinh thu tuc
Ho so vay von
Tra no goc
Tra no lai
Gui tiet kiem
Thu tuc hs VV lien quan
toi ho vay duoc lap tai xa
NHCSXH giai ngan truc
tiep toi ho vay tai diem
giao dich
Ho vay gui tien to truong
len gui tien lai, gui tiet
kiem NH
Ho vay tra no goc truc tiep
cho NH tai diem giao dich
Tinh tuong tro trong to TK
& VV
Tap huan huong dan cach
lam an
Co so vat chat, phuong
tien lam viec NHCSXH tai
diem giao dich
Nang luc lam viec cua
Ban Qly to TK & VV
Thai do lam viec cua ban
quan ly to TK & VV
Nang luc lam viec cua
nhan vien
Thai do phuc vu cua nhan
vien
Mean
Std. Deviation
Analysis N
Missing N
KMO and Bartlett's Test
,596
214,435
171
,003
Kaiser-Meyer-Olkin Measure of Sampling
Adequacy.
Approx. Chi-Square
df
Sig.
Bartlett's Test of
Sphericity
ĐAI HOC KINH TÊ HUÊ
134 PHỤ LỤC. PHÂN TÍCH NHÂN TỐ KHÁM PHÁ EFA Phân tích nhân tố khám phá EFA cho thang đo chất lượng dịch vụ tín dụng hộ nghèo vay vốn tại ngân hàng chính sách xã hội huyện Phú Lộc Descriptive Statistics 2,22 ,82200 200 0 2,31 ,74600 200 0 1,45 ,56500 200 0 1,76 ,606 200 0 2,45 ,671 200 0 1,68 ,519 200 0 2,01 ,607 200 0 3,40 ,510 200 0 1,54 ,607 200 0 1,82 ,890 200 0 1,42 ,552 200 0 4,04 ,870 200 0 1,05 ,769 200 0 2,26 ,680 200 0 3,88 ,850 200 0 1,81 ,500 200 0 1,89 ,739 200 0 1,61 ,584 200 0 1,68 ,608 200 0 Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nang luc lam viec cua nhan vien Thai do phuc vu cua nhan vien Mean Std. Deviation Analysis N Missing N KMO and Bartlett's Test ,596 214,435 171 ,003 Kaiser-Meyer-Olkin Measure of Sampling Adequacy. Approx. Chi-Square df Sig. Bartlett's Test of Sphericity ĐAI HOC KINH TÊ HUÊ
130
Correlation Matrix
Muc
cho
vay
Thoi
han
cho
vay
Lai
suat
cho
vay
Quy
trinh
thu tuc
Ho
so
vay
von
Tra
no
goc
Tra
no lai
Gui
tiet
kiem
Thu
tuc hs
VV
lien
quan
toi ho
vay
duoc
lap tai
xa
NHCS
XH giai
ngan
truc
tiep toi
ho vay
tai
diem
giao
dich
Ho vay
gui tien
to
truong
len gui
tien lai,
gui tiet
kiem NH
Ho vay
tra no
goc
truc
tiep cho
NH tai
diem
giao
dich
Tinh
tuong
tro
trong
to TK
& VV
Tap
huan
huong
dan
cach
lam
an
Co so
vat chat,
phuong
tien lam
viec
NHCSX
H tai
diem
giao dich
Nang luc
lam viec
cua Ban
Qly to TK
& VV
Thai do
lam viec
cua ban
quan ly
to TK &
VV
Nan
g luc
lam
viec
cua
nhan
vien
Thai
do
phuc
vu cua
nhan
vien
Muc cho vay
1,000
.497
.296
.326
.193
.217
.493
.466
.163
.502
.101
.418
.194
.257
.101
.176
.413
.076
.424
Thoi han cho vay
.497
1.000
.361
.330
.040
.494
.468
.525
.458
.369
.377
.374
.357
.220
.032
-.014
.454
.410
.314
Lai suat cho vay
.296
.361
1.000
.650
.436
.641
.226
.260
.282
.058
.369
.194
.561
.601
.229
.273
.200
.475
.128
Quy trinh thu tuc
.326
.330
.650
1.000
.396
.634
.270
.235
.261
.117
.353
.084
.507
.541
.216
.353
.232
.441
.063
Ho so vay von
.193
.040
.436
.396
1.000
.190
.162
-.061
.015
.095
.177
.217
.135
.522
.490
.643
.077
.265
.253
Tra no goc
.217
.494
.641
.634
.190
1.000
.273
.348
.466
.129
.421
.142
.627
.433
.201
.226
.295
.469
.126
Tra no lai
.217
.468
.226
.270
.162
.273
1.000
.614
.224
.483
.233
.497
.308
.255
.106
.154
.431
.217
.382
Gui tiet kiem
.466
.525
.260
.235
-.061
.348
.614
1.000
.306
.434
.250
.336
.361
.271
-.027
-.013
.475
.274
.321
Thu tuc hs VV lien quan
toi ho vay duoc lap tai xa
.163
.458
.282
.261
.015
.466
.224
.306
1.000
.187
.564
.089
.398
.223
.120
.025
.302
.449
.006
NHCSXH giai ngan truc
tiep toi ho vay tai diem
giao dich
.502
.369
.058
.117
.095
.129
.483
.434
.187
1.000
.210
.396
.097
.045
.139
.065
.723
.190
.420
Ho vay gui tien to truong
len gui tien lai, gui tiet
kiem NH
.101
.377
.369
.353
.177
.421
.233
.250
.564
.210
1.000
.081
.307
.291
-.010
.101
.262
.543
.065
Ho vay tra no goc truc
tiep cho NH tai diem giao
dich
.418
.374
.194
.084
.217
.142
.497
.336
.089
.396
.081
1.000
.151
.168
.206
.104
.282
.202
.461
Tinh tuong tro trong to
.194
.357
.561
.507
.135
.627
.308
.361
.398
.097
.307
.151
1.000
.442
.276
.208
.233
.439
.017
Tap huan huong dan
cach lam an
.257
.220
.601
.541
.522
.433
.255
.271
.223
.045
.291
.168
.442
1.000
.262
.411
.133
.406
.054
Co so vat chat, phuong
tien lam viec NHCSXH tai
diem giao dich
.101
.032
.229
.216
.490
.201
.106
-.027
.120
.139
-.010
.206
.276
.262
1.000
.498
.088
.186
.130
Nang luc lam viec cua
Ban Qly to TK & VV
.176
-.014
.273
.353
.643
.226
.154
-.013
.025
.065
.101
.104
.208
.411
.498
1.000
-.009
.223
.166
Thai do lam viec cua ban
quan ly to TK & VV
,083
-,079
.200
.232
.077
.295
.431
.475
.302
.723
.262
.282
.233
.133
.088
-.009
1.000
.326
.461
Nang luc lam viec cua
nhan vien
,116
,066
-,070
-,044
-,030
,003
-,047
-,079
-,167
,001
,043
-,043
,034
,003
,026
-,046
,075
1,00
0
-,130
Thai do phuc vu cua nhan
vien
,011
-,102
,085
,054
,2
,003
-,007
-,114
,021
,037
-,104
-,014
-,051
-,026
,042
,075
,017
-,130
1,000
ĐAI HOC KINH TÊ HUÊ
130 Correlation Matrix Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCS XH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSX H tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nan g luc lam viec cua nhan vien Thai do phuc vu cua nhan vien Muc cho vay 1,000 .497 .296 .326 .193 .217 .493 .466 .163 .502 .101 .418 .194 .257 .101 .176 .413 .076 .424 Thoi han cho vay .497 1.000 .361 .330 .040 .494 .468 .525 .458 .369 .377 .374 .357 .220 .032 -.014 .454 .410 .314 Lai suat cho vay .296 .361 1.000 .650 .436 .641 .226 .260 .282 .058 .369 .194 .561 .601 .229 .273 .200 .475 .128 Quy trinh thu tuc .326 .330 .650 1.000 .396 .634 .270 .235 .261 .117 .353 .084 .507 .541 .216 .353 .232 .441 .063 Ho so vay von .193 .040 .436 .396 1.000 .190 .162 -.061 .015 .095 .177 .217 .135 .522 .490 .643 .077 .265 .253 Tra no goc .217 .494 .641 .634 .190 1.000 .273 .348 .466 .129 .421 .142 .627 .433 .201 .226 .295 .469 .126 Tra no lai .217 .468 .226 .270 .162 .273 1.000 .614 .224 .483 .233 .497 .308 .255 .106 .154 .431 .217 .382 Gui tiet kiem .466 .525 .260 .235 -.061 .348 .614 1.000 .306 .434 .250 .336 .361 .271 -.027 -.013 .475 .274 .321 Thu tuc hs VV lien quan toi ho vay duoc lap tai xa .163 .458 .282 .261 .015 .466 .224 .306 1.000 .187 .564 .089 .398 .223 .120 .025 .302 .449 .006 NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich .502 .369 .058 .117 .095 .129 .483 .434 .187 1.000 .210 .396 .097 .045 .139 .065 .723 .190 .420 Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH .101 .377 .369 .353 .177 .421 .233 .250 .564 .210 1.000 .081 .307 .291 -.010 .101 .262 .543 .065 Ho vay tra no goc truc tiep cho NH tai diem giao dich .418 .374 .194 .084 .217 .142 .497 .336 .089 .396 .081 1.000 .151 .168 .206 .104 .282 .202 .461 Tinh tuong tro trong to .194 .357 .561 .507 .135 .627 .308 .361 .398 .097 .307 .151 1.000 .442 .276 .208 .233 .439 .017 Tap huan huong dan cach lam an .257 .220 .601 .541 .522 .433 .255 .271 .223 .045 .291 .168 .442 1.000 .262 .411 .133 .406 .054 Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich .101 .032 .229 .216 .490 .201 .106 -.027 .120 .139 -.010 .206 .276 .262 1.000 .498 .088 .186 .130 Nang luc lam viec cua Ban Qly to TK & VV .176 -.014 .273 .353 .643 .226 .154 -.013 .025 .065 .101 .104 .208 .411 .498 1.000 -.009 .223 .166 Thai do lam viec cua ban quan ly to TK & VV ,083 -,079 .200 .232 .077 .295 .431 .475 .302 .723 .262 .282 .233 .133 .088 -.009 1.000 .326 .461 Nang luc lam viec cua nhan vien ,116 ,066 -,070 -,044 -,030 ,003 -,047 -,079 -,167 ,001 ,043 -,043 ,034 ,003 ,026 -,046 ,075 1,00 0 -,130 Thai do phuc vu cua nhan vien ,011 -,102 ,085 ,054 ,2 ,003 -,007 -,114 ,021 ,037 -,104 -,014 -,051 -,026 ,042 ,075 ,017 -,130 1,000 ĐAI HOC KINH TÊ HUÊ
131
Communalities
1,000
,619
1,000
,610
1,000
,580
1,000
,656
1,000
,636
1,000
,609
1,000
,443
1,000
,595
1,000
,507
1,000
,551
1,000
,506
1,000
,641
1,000
,697
1,000
,440
1,000
,682
1,000
,682
1,000
,722
1,000
,653
1,000
,545
Muc cho vay
Thoi han cho vay
Lai suat cho vay
Quy trinh thu tuc
Ho so vay von
Tra no goc
Tra no lai
Gui tiet kiem
Thu tuc hs VV lien quan
toi ho vay duoc lap tai xa
NHCSXH giai ngan truc
tiep toi ho vay tai diem
giao dich
Ho vay gui tien to truong
len gui tien lai, gui tiet
kiem NH
Ho vay tra no goc truc tiep
cho NH tai diem giao dich
Tinh tuong tro trong to TK
& VV
Tap huan huong dan cach
lam an
Co so vat chat, phuong
tien lam viec NHCSXH tai
diem giao dich
Nang luc lam viec cua
Ban Qly to TK & VV
Thai do lam viec cua ban
quan ly to TK & VV
Nang luc lam viec cua
nhan vien
Thai do phuc vu cua nhan
vien
Initial
Extraction
Extraction Method: Principal Component Analysis.
ĐAI HOC KINH TÊ HUÊ
131 Communalities 1,000 ,619 1,000 ,610 1,000 ,580 1,000 ,656 1,000 ,636 1,000 ,609 1,000 ,443 1,000 ,595 1,000 ,507 1,000 ,551 1,000 ,506 1,000 ,641 1,000 ,697 1,000 ,440 1,000 ,682 1,000 ,682 1,000 ,722 1,000 ,653 1,000 ,545 Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nang luc lam viec cua nhan vien Thai do phuc vu cua nhan vien Initial Extraction Extraction Method: Principal Component Analysis. ĐAI HOC KINH TÊ HUÊ
132
Total Variance Explained
2,845
12,870
12,870
2,845
12,870
12,870
2,108
11,550
24,420
2,108
11,550
24,420
1,492
10,090
34,511
1,492
10,090
34,511
1,338
9,800
44,311
1,338
9,800
44,311
1,263
8,640
52,951
1,263
8,640
52,951
1,175
7,470
60,421
1,175
7,470
60,421
,993
5,823
66,244
,882
5,296
71,541
,835
5,107
76,648
,821
4,813
81,460
,798
4,652
86,112
,773
3,597
89,709
,730
2,767
92,476
,591
1,639
94,115
,568
1,513
95,628
,461
1,480
97,108
,398
1,148
98,257
,363
,962
99,219
,210
,781
100,000
Component
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
Total
% of Variance
Cumulative %
Total
% of Variance
Cumulative %
Initial Eigenvalues
Extraction Sums of Squared Loadings
Extraction Method: Principal Component Analysis.
ĐAI HOC KINH TÊ HUÊ
132 Total Variance Explained 2,845 12,870 12,870 2,845 12,870 12,870 2,108 11,550 24,420 2,108 11,550 24,420 1,492 10,090 34,511 1,492 10,090 34,511 1,338 9,800 44,311 1,338 9,800 44,311 1,263 8,640 52,951 1,263 8,640 52,951 1,175 7,470 60,421 1,175 7,470 60,421 ,993 5,823 66,244 ,882 5,296 71,541 ,835 5,107 76,648 ,821 4,813 81,460 ,798 4,652 86,112 ,773 3,597 89,709 ,730 2,767 92,476 ,591 1,639 94,115 ,568 1,513 95,628 ,461 1,480 97,108 ,398 1,148 98,257 ,363 ,962 99,219 ,210 ,781 100,000 Component 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Total % of Variance Cumulative % Total % of Variance Cumulative % Initial Eigenvalues Extraction Sums of Squared Loadings Extraction Method: Principal Component Analysis. ĐAI HOC KINH TÊ HUÊ
133
Rotated Component Matrix
a
,850
,830
,820
,800
,800
,860
,850
,840
,750
,820
,830
,810
,840
,880
,810
,840
,810
,800
,850
Muc cho vay
Thoi han cho vay
Lai suat cho vay
Quy trinh thu tuc
Ho so vay von
Tra no goc
Tra no lai
Gui tiet kiem
Thu tuc hs VV lien quan
toi ho vay duoc lap tai xa
NHCSXH giai ngan truc
tiep toi ho vay tai diem
giao dich
Ho vay gui tien to truong
len gui tien lai, gui tiet
kiem NH
Ho vay tra no goc truc tiep
cho NH tai diem giao dich
Tinh tuong tro trong to TK
& VV
Tap huan huong dan cach
lam an
Co so vat chat, phuong
tien lam viec NHCSXH tai
diem giao dich
Nang luc lam viec cua
Ban Qly to TK & VV
Thai do lam viec cua ban
quan ly to TK & VV
Nang luc lam viec cua
nhan vien
Thai do phuc vu cua nhan
vien
1
2
3
4
5
6
Component
Extraction Method: Principal Component Analysis.
6 components extracted.
a.
Scale: ALL VARIABLES
Case Processing Summary
200
100.0
0
.0
200
100.0
Valid
Excluded
a
Total
Cases
N
%
Listwise deletion based on all
variables in the procedure.
a.
Reliability Statistics
,623
19
Cronbach's
Alpha
N of Items
ĐAI HOC KINH TÊ HUÊ
133 Rotated Component Matrix a ,850 ,830 ,820 ,800 ,800 ,860 ,850 ,840 ,750 ,820 ,830 ,810 ,840 ,880 ,810 ,840 ,810 ,800 ,850 Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nang luc lam viec cua nhan vien Thai do phuc vu cua nhan vien 1 2 3 4 5 6 Component Extraction Method: Principal Component Analysis. 6 components extracted. a. Scale: ALL VARIABLES Case Processing Summary 200 100.0 0 .0 200 100.0 Valid Excluded a Total Cases N % Listwise deletion based on all variables in the procedure. a. Reliability Statistics ,623 19 Cronbach's Alpha N of Items ĐAI HOC KINH TÊ HUÊ
134
Item Statistics
2,22
,82200
200
2,31
,74600
200
1,45
,56500
200
1,76
,606
200
2,45
,671
200
1,68
,519
200
2,01
,607
200
3,40
,510
200
1,54
,607
200
1,82
,890
200
1,42
,552
200
4,04
,870
200
1,05
,769
200
2,26
,680
200
3,88
,850
200
1,81
,500
200
1,89
,739
200
1,61
,584
200
1,68
,608
200
Variables
Muc cho vay
Thoi han cho vay
Lai suat cho vay
Quy trinh thu tuc
Ho so vay von
Tra no goc
Tra no lai
Gui tiet kiem
Thu tuc hs VV lien quan toi ho
vay duoc lap tai xa
NHCSXH giai ngan truc tiep toi
ho vay tai diem giao dich
Ho vay gui tien to truong len gui
tien lai, gui tiet kiem NH
Ho vay tra no goc truc tiep cho
NH tai diem giao dich
Tinh tuong tro trong to TK & VV
Tap huan huong dan cach lam
an
Co so vat chat, phuong tien lam
viec NHCSXH tai diem giao dich
Nang luc lam viec cua Ban Qly
to TK & VV
Thai do lam viec cua ban quan
ly to TK & VV
Nang luc lam viec cua nhan vien
Thai do lam viec cua nhan vien
Mean
Std. Deviation
N
Item-Total Statistics
93.02
104.670
,396
,633
92.91
107.610
,451
,635
92.87
108.522
,396
,631
93.00
108.695
,364
,633
93.43
107.941
,393
,639
93.08
108.318
,396
,637
92.91
108.281
,387
,634
92.84
109.345
,453
,637
92.91
111.639
,395
,631
92.87
108.739
,390
,636
92.84
111.993
,382
,639
92.95
109.700
,343
,639
93.11
111.096
,393
,634
93.16
108.183
,370
,636
93.41
112.291
,395
,634
93.44
110.512
,350
,622
93.71
107.973
,391
,621
92.98
110.654
,353
,629
93.18
115.174
,381
,628
Muc cho vay
Thoi han cho vay
Lai suat cho vay
Quy trinh thu tuc
Ho so vay von
Tra no goc
Tra no lai
Gui tiet kiem
Thu tuc hs VV lien quan toi ho vay
duoc lap tai xa
NHCSXH giai ngan truc tiep toi ho
vay tai diem giao dich
Ho vay gui tien to truong len gui tien
lai, gui tiet kiem NH
Ho vay tra no goc truc tiep cho NH
tai diem giao dich
Tinh tuong tro trong to TK & VV
Tap huan huong dan cach lam an
Co so vat chat, phuong tien lam viec
NHCSXH tai diem giao dich
Nang luc lam viec cua Ban Qly to TK
& VV
Thai do lam viec cua ban quan ly to
TK & VV
Nang luc lam viec cua nhan vien
Thai do lam viec cua nhan vien
Scale Mean if
Item Deleted
Scale
Variance if
Item Deleted
Corrected
Item-Total
Correlation
Cronbach's
Alpha if Item
Deleted
ĐAI HOC KINH TÊ HUÊ
134 Item Statistics 2,22 ,82200 200 2,31 ,74600 200 1,45 ,56500 200 1,76 ,606 200 2,45 ,671 200 1,68 ,519 200 2,01 ,607 200 3,40 ,510 200 1,54 ,607 200 1,82 ,890 200 1,42 ,552 200 4,04 ,870 200 1,05 ,769 200 2,26 ,680 200 3,88 ,850 200 1,81 ,500 200 1,89 ,739 200 1,61 ,584 200 1,68 ,608 200 Variables Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nang luc lam viec cua nhan vien Thai do lam viec cua nhan vien Mean Std. Deviation N Item-Total Statistics 93.02 104.670 ,396 ,633 92.91 107.610 ,451 ,635 92.87 108.522 ,396 ,631 93.00 108.695 ,364 ,633 93.43 107.941 ,393 ,639 93.08 108.318 ,396 ,637 92.91 108.281 ,387 ,634 92.84 109.345 ,453 ,637 92.91 111.639 ,395 ,631 92.87 108.739 ,390 ,636 92.84 111.993 ,382 ,639 92.95 109.700 ,343 ,639 93.11 111.096 ,393 ,634 93.16 108.183 ,370 ,636 93.41 112.291 ,395 ,634 93.44 110.512 ,350 ,622 93.71 107.973 ,391 ,621 92.98 110.654 ,353 ,629 93.18 115.174 ,381 ,628 Muc cho vay Thoi han cho vay Lai suat cho vay Quy trinh thu tuc Ho so vay von Tra no goc Tra no lai Gui tiet kiem Thu tuc hs VV lien quan toi ho vay duoc lap tai xa NHCSXH giai ngan truc tiep toi ho vay tai diem giao dich Ho vay gui tien to truong len gui tien lai, gui tiet kiem NH Ho vay tra no goc truc tiep cho NH tai diem giao dich Tinh tuong tro trong to TK & VV Tap huan huong dan cach lam an Co so vat chat, phuong tien lam viec NHCSXH tai diem giao dich Nang luc lam viec cua Ban Qly to TK & VV Thai do lam viec cua ban quan ly to TK & VV Nang luc lam viec cua nhan vien Thai do lam viec cua nhan vien Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted ĐAI HOC KINH TÊ HUÊ