Luận án Phát triển tín dụng xanh tại các ngân hàng thương mại Việt Nam

hàng Techcombank TP. Đà Nẵng 70 6 Ngân hàng Sacombank Tỉnh Bà Rịa - Vũng Tàu 70 7 Ngân hàng MB TP. Cần Thơ 70 8 Ngân hàng VPBank Tỉnh Đồng Nai 70 9 Ngân hàng ACB TP. Hồ Chí Minh 70 10 Ngân hàng SHB Tỉnh Bình Dương 70 11 Ngân hàng VIB TP. Đà Nẵng 70 12 Ngân hàng Việt Á Tỉnh Đồng Nai 70 13 Ngân hàng Eximbank TP. Hồ Chí Minh 70 14 Ngân hàng Đông Á Tỉnh Bình Dương 70 15 Ngân hàng SCB Tỉnh Bà Rịa - Vũng Tàu 70 Nguồn: tác giả điều tra và tổng hợp xxxviii PHỤ LỤC 05: KẾT QUẢ ĐỊNH LƯỢNG SƠ BỘ (400 cán bộ, nhân viên ngân hàng) Case Processing Summary N % Cases Valid 370 100.0 Excludeda 0 .0 Total 370 100.0 a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha N of Items .843 4 Item Statistics Mean Std. Deviation N CLNNL1 2.3270 .66957 370 CLNNL2 2.4703 .72541 370 CLNNL3 2.3946 .65101 370 CLNNL4 2.4189 .71391 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted CLNNL1 7.2838 3.234 .625 .823 CLNNL2 7.1405 2.826 .752 .766 CLNNL3 7.2162 3.368 .584 .839 CLNNL4 7.1919 2.855 .755 .765 Scale Statistics Mean Variance Std. Deviation N of Items 9.6108 5.187 2.27747 4 xxxix Reliability Statistics Cronbach's Alpha N of Items .933 4 Item Statistics Mean Std. Deviation N CLMK1 3.0622 1.00077 370 CLMK2 3.1027 1.00149 370 CLMK3 3.1081 .96226 370 CLMK4 3.0216 1.06156 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted CLMK1 9.2324 7.626 .885 .899 CLMK2 9.1919 7.776 .849 .911 CLMK3 9.1865 8.282 .779 .933 CLMK4 9.2730 7.413 .862 .907 Scale Statistics Mean Variance Std. Deviation N of Items 12.2946 13.520 3.67696 4 xl Case Processing Summary N % Cases Valid 370 100.0 Excludeda 0 .0 Total 370 100.0 a. Listwise deletion based on all variables in the procedure. Reliability Statistics Cronbach's Alpha N of Items .943 4 Item Statistics Mean Std. Deviation N NLTC1 3.1027 .98236 370 NLTC2 3.1405 .99415 370 NLTC3 3.1432 .95906 370 NLTC4 3.0892 1.01754 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted NLTC1 9.3730 7.617 .882 .920 NLTC2 9.3351 7.714 .845 .932 NLTC3 9.3324 7.859 .853 .930 NLTC4 9.3865 7.452 .878 .922 Scale Statistics Mean Variance Std. Deviation N of Items 12.4757 13.367 3.65604 4 xli Reliability Statistics Cronbach's Alpha N of Items .936 4 Item Statistics Mean Std. Deviation N CNNH1 3.0541 1.01869 370 CNNH2 3.1378 .98769 370 CNNH3 3.1324 .93778 370 CNNH4 3.1189 1.01315 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted CNNH1 9.3892 7.398 .853 .916 CNNH2 9.3054 7.573 .849 .917 CNNH3 9.3108 7.873 .838 .921 CNNH4 9.3243 7.401 .859 .914 Scale Statistics Mean Variance Std. Deviation N of Items 12.4432 13.163 3.62815 4 Case Processing Summary N % Cases Valid 370 100.0 Excludeda 0 .0 Total 370 100.0 a. Listwise deletion based on all variables in the procedure. xlii Reliability Statistics Cronbach's Alpha N of Items .864 4 Item Statistics Mean Std. Deviation N QTRR1 3.3973 .87513 370 QTRR2 3.5081 .95207 370 QTRR3 3.3784 .96135 370 QTRR4 3.3838 .90393 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted QTRR1 10.2703 5.835 .732 .819 QTRR2 10.1595 5.527 .729 .820 QTRR3 10.2892 5.707 .667 .846 QTRR4 10.2838 5.738 .726 .821 Scale Statistics Mean Variance Std. Deviation N of Items 13.6676 9.697 3.11396 4 Case Processing Summary N % Cases Valid 370 100.0 Excludeda 0 .0 Total 370 100.0 a. Listwise deletion based on all variables in the procedure. xliii Reliability Statistics Cronbach's Alpha N of Items .873 3 Item Statistics Mean Std. Deviation N KPL1 3.4297 .94664 370 KPL2 3.3216 .95243 370 KPL3 3.1919 1.02460 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted KPL1 6.5135 3.362 .739 .836 KPL2 6.6216 3.179 .806 .776 KPL3 6.7514 3.136 .727 .850 Scale Statistics Mean Variance Std. Deviation N of Items 9.9432 6.823 2.61215 3 Reliability Statistics Cronbach's Alpha N of Items .875 5 xliv Item Statistics Mean Std. Deviation N CSHT1 2.3568 .67255 370 CSHT2 2.4459 .74974 370 CSHT3 2.4054 .64851 370 CSHT4 2.4324 .72286 370 CSHT5 2.4595 .72861 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted CSHT1 9.7432 5.915 .591 .874 CSHT2 9.6541 5.262 .720 .845 CSHT3 9.6946 5.996 .594 .874 CSHT4 9.6676 5.079 .829 .817 CSHT5 9.6405 5.141 .796 .826 Scale Statistics Mean Variance Std. Deviation N of Items 12.1000 8.302 2.88125 5 Reliability Statistics Cronbach's Alpha N of Items .938 4 xlv Item Statistics Mean Std. Deviation N CSMT1 3.0108 1.04888 370 CSMT2 3.1243 .99085 370 CSMT3 3.1351 .95031 370 CSMT4 3.1378 .98494 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted CSMT1 9.3973 7.595 .805 .936 CSMT2 9.2838 7.667 .856 .918 CSMT3 9.2730 7.901 .851 .921 CSMT4 9.2703 7.488 .907 .902 Scale Statistics Mean Variance Std. Deviation N of Items 12.4081 13.348 3.65348 4 Case Processing Summary N % Cases Valid 370 100.0 Excludeda 0 .0 Total 370 100.0 a. Listwise deletion based on all variables in the procedure. xlvi Reliability Statistics Cronbach's Alpha N of Items .883 3 Item Statistics Mean Std. Deviation N PTTDX1 3.4486 .94786 370 PTTDX2 3.3108 .97844 370 PTTDX3 3.2162 1.00770 370 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted PTTDX1 6.5270 3.437 .753 .852 PTTDX2 6.6649 3.123 .839 .774 PTTDX3 6.7595 3.294 .731 .873 Scale Statistics Mean Variance Std. Deviation N of Items 9.9757 6.983 2.64256 3 KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .734 Bartlett's Test of Sphericity Approx. Chi-Square 10589.466 df 595 Sig. .000 xlvii Communalities Initial Extraction CSMT1 1.000 .804 CSMT2 1.000 .846 CSMT3 1.000 .847 CSMT4 1.000 .909 QTRR1 1.000 .763 QTRR2 1.000 .720 QTRR3 1.000 .668 QTRR4 1.000 .755 CNNH1 1.000 .849 CNNH2 1.000 .843 CNNH3 1.000 .830 CNNH4 1.000 .853 NLTC1 1.000 .872 NLTC2 1.000 .843 NLTC3 1.000 .841 NLTC4 1.000 .873 CLMK1 1.000 .882 CLMK2 1.000 .845 CLMK3 1.000 .756 CLMK4 1.000 .855 CLNNL1 1.000 .635 CLNNL2 1.000 .802 CLNNL3 1.000 .570 CLNNL4 1.000 .792 CSHT1 1.000 .546 CSHT2 1.000 .729 CSHT3 1.000 .528 CSHT4 1.000 .840 CSHT5 1.000 .816 KPL1 1.000 .791 KPL2 1.000 .844 KPL3 1.000 .775 PTTDX1 1.000 .801 PTTDX2 1.000 .877 PTTDX3 1.000 .796 Extraction Method: Principal Component Analysis. xlviii Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Rotation Sums of Squared Loadingsa Total % of Variance Cumulative % Total % of Variance Cumulative % Total 1 5.794 16.553 16.553 5.794 16.553 16.553 4.223 2 3.832 10.947 27.500 3.832 10.947 27.500 3.646 3 3.755 10.729 38.229 3.755 10.729 38.229 3.964 4 3.340 9.544 47.773 3.340 9.544 47.773 3.537 5 2.700 7.715 55.487 2.700 7.715 55.487 4.104 6 2.520 7.200 62.687 2.520 7.200 62.687 2.957 7 2.473 7.065 69.752 2.473 7.065 69.752 2.831 8 1.907 5.449 75.201 1.907 5.449 75.201 2.640 9 1.276 3.645 78.846 1.276 3.645 78.846 3.703 10 .802 2.292 81.138 11 .727 2.076 83.214 12 .577 1.650 84.864 13 .513 1.465 86.329 14 .480 1.371 87.700 15 .415 1.185 88.885 16 .389 1.112 89.997 17 .355 1.015 91.012 18 .324 .925 91.937 19 .305 .872 92.809 20 .286 .816 93.625 21 .269 .767 94.392 22 .235 .672 95.064 23 .222 .635 95.699 24 .196 .559 96.258 25 .178 .509 96.767 26 .174 .498 97.266 27 .161 .461 97.726 28 .148 .422 98.148 29 .129 .369 98.518 30 .124 .355 98.873 31 .104 .296 99.170 32 .096 .274 99.443 33 .086 .244 99.688 34 .060 .171 99.858 35 .050 .142 100.000 Extraction Method: Principal Component Analysis. a. When components are correlated, sums of squared loadings cannot be added to obtain a total variance. xlix Component Matrixa Component 1 2 3 4 5 6 7 8 9 PTTDX2 .639 -.526 CLMK4 .616 CLMK1 .616 NLTC4 .614 .530 CSHT2 .606 NLTC1 .601 .535 PTTDX1 .598 CLMK2 .586 CLMK3 .580 NLTC3 .579 .537 NLTC2 .556 .512 CSHT4 .539 CSHT5 CSHT3 CSHT1 CSMT2 .707 CSMT4 .699 CSMT3 .674 CSMT1 .671 CNNH4 .683 CNNH3 .680 CNNH1 .661 CNNH2 .654 QTRR1 .600 CLNNL1 -.593 CLNNL2 -.572 QTRR4 .568 CLNNL4 -.551 QTRR2 .533 CLNNL3 -.531 QTRR3 KPL1 .678 KPL3 .667 KPL2 .640 PTTDX3 .534 -.566 Extraction Method: Principal Component Analysis. a. 9 components extracted. l Pattern Matrixa Component 1 2 3 4 5 6 7 8 9 NLTC2 .937 NLTC1 .928 NLTC4 .925 NLTC3 .891 CSMT4 .960 CSMT3 .930 CSMT2 .911 CSMT1 .876 CSHT5 .931 CSHT4 .924 CSHT2 .778 CSHT1 .722 CSHT3 .668 CNNH4 .922 CNNH2 .921 CNNH1 .916 CNNH3 .908 CLMK1 .937 CLMK2 .933 CLMK4 .916 CLMK3 .848 QTRR1 .874 QTRR4 .873 QTRR2 .836 QTRR3 .787 CLNNL2 .888 CLNNL4 .886 CLNNL1 .783 CLNNL3 .723 KPL2 .913 KPL1 .897 KPL3 .860 PTTDX3 .922 PTTDX2 .904 PTTDX1 .833 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. a. Rotation converged in 6 iterations. li Structure Matrix Component 1 2 3 4 5 6 7 8 9 NLTC1 .933 NLTC4 .933 NLTC3 .915 NLTC2 .914 CSMT4 .949 CSMT2 .918 CSMT3 .918 CSMT1 .889 CSHT4 .914 CSHT5 .898 CSHT2 .826 CSHT1 .719 CSHT3 .703 CNNH4 .921 CNNH1 .919 CNNH2 .916 CNNH3 .908 CLMK1 .937 CLMK4 .923 CLMK2 .918 CLMK3 .866 QTRR1 .865 QTRR4 .862 QTRR2 .843 QTRR3 .801 CLNNL2 .887 CLNNL4 .883 CLNNL1 .777 CLNNL3 .734 KPL2 .914 KPL1 .884 KPL3 .871 PTTDX2 .931 PTTDX3 .885 PTTDX1 .540 .881 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. lii Component Correlation Matrix Component 1 2 3 4 5 6 7 8 9 1 1.000 .089 .124 .024 .132 .037 .016 .052 .481 2 .089 1.000 .022 .125 .060 -.100 -.119 .081 .134 3 .124 .022 1.000 .080 .352 .019 .016 -.015 .178 4 .024 .125 .080 1.000 .112 .044 -.012 -.064 .057 5 .132 .060 .352 .112 1.000 -.079 -.044 .114 .209 6 .037 -.100 .019 .044 -.079 1.000 .040 -.001 .070 7 .016 -.119 .016 -.012 -.044 .040 1.000 -.013 .056 8 .052 .081 -.015 -.064 .114 -.001 -.013 1.000 .201 9 .481 .134 .178 .057 .209 .070 .056 .201 1.000 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. liii PHỤ LỤC 06: KẾT QUẢ ĐỊNH LƯỢNG CHÍNH THỨC Statistics Đối tượng trả lời Giới tính Tình trạng hôn nhân Độ tuổi Thu nhập Thời gian công tác N Valid 960 960 960 960 960 960 Missing 0 0 0 0 0 0 Frequency Table Đối tượng trả lời Frequency Percent Valid Percent Cumulative Percent Valid Cán bộ tín dụng 174 18.1 18.1 18.1 Nhân viên chĕm sóc khách hàng 221 23.0 23.0 41.1 Nhân viên tín dụng 366 38.1 38.1 79.3 Nhân viên kinh doanh 199 20.7 20.7 100.0 Total 960 100.0 100.0 Giới tính Frequency Percent Valid Percent Cumulative Percent Valid Nam 429 44.7 44.7 44.7 Nữ 531 55.3 55.3 100.0 Total 960 100.0 100.0 Tình trạng hôn nhân Frequency Percent Valid Percent Cumulative Percent Valid Độc thân 410 42.7 42.7 42.7 Có gia đình 550 57.3 57.3 100.0 Total 960 100.0 100.0 Độ tuổi Frequency Percent Valid Percent Cumulative Percent Valid Từ 18 đến dưới 25 tuổi 73 7.6 7.6 7.6 Từ 25 đến dưới 35 tuổi 228 23.8 23.8 31.4 liv Từ 35 đến 45 tuổi 510 53.1 53.1 84.5 Trên 45 tuổi 149 15.5 15.5 100.0 Total 960 100.0 100.0 Thu nhập Frequency Percent Valid Percent Cumulative Percent Valid Dưới 15 triệu đồng 289 30.1 30.1 30.1 Từ 15 triệu đến dưới 20 triệu đồng 238 24.8 24.8 54.9 Từ 20 triệu đến 25 triệu đồng 225 23.4 23.4 78.3 Trên 25 triệu đồng 208 21.7 21.7 100.0 Total 960 100.0 100.0 Thời gian công tác Frequency Percent Valid Percent Cumulative Percent Valid Từ 1 nĕm đến dưới 5 nĕm 285 29.7 29.7 29.7 Từ 5 nĕm đến dưới 10 nĕm 176 18.3 18.3 48.0 Từ 10 nĕm đến 15 nĕm 283 29.5 29.5 77.5 Trên 15 nĕm 216 22.5 22.5 100.0 Total 960 100.0 100.0 Descriptive Statistics N Minimum Maximum Mean Std. Deviation PTTDX1 960 1.00 5.00 3.4323 .93679 PTTDX2 960 1.00 5.00 3.3813 .94723 PTTDX3 960 1.00 5.00 3.3406 .96747 Valid N (listwise) 960 lv Descriptive Statistics N Minimum Maximum Mean Std. Deviation CSMT1 960 1.00 5.00 3.0938 .99507 CSMT2 960 1.00 5.00 3.0823 1.01115 CSMT3 960 1.00 5.00 3.1292 .97089 CSMT4 960 1.00 5.00 3.0740 1.01488 QTRR1 960 1.00 5.00 3.3948 .88279 QTRR2 960 1.00 5.00 3.5219 .97280 QTRR3 960 1.00 5.00 3.3333 .99180 QTRR4 960 1.00 5.00 3.3979 .92356 CNNH1 960 1.00 5.00 3.0604 .97438 CNNH2 960 1.00 5.00 3.0656 .99155 CNNH3 960 1.00 5.00 3.1135 .94622 CNNH4 960 1.00 5.00 3.0823 .97972 NLTC1 960 1.00 5.00 3.0771 .97855 NLTC2 960 1.00 5.00 3.0458 1.01191 NLTC3 960 1.00 5.00 3.1031 .96378 NLTC4 960 1.00 5.00 3.0896 .98280 CLMK1 960 1.00 5.00 3.0646 1.00156 CLMK2 960 1.00 5.00 3.0750 1.00292 CLMK3 960 1.00 5.00 3.1104 .96675 CLMK4 960 1.00 5.00 3.0917 1.00879 CLNNL1 960 1.00 5.00 2.3667 .64980 CLNNL2 960 1.00 5.00 2.4479 .66288 CLNNL3 960 1.00 5.00 2.4052 .64533 CLNNL4 960 1.00 5.00 2.4729 .70400 CSHT1 960 1.00 5.00 2.3698 .65044 CSHT2 960 1.00 5.00 2.4323 .67086 CSHT3 960 1.00 4.00 2.4010 .64146 CSHT4 960 1.00 5.00 2.4479 .69363 CSHT5 960 1.00 5.00 2.4573 .70322 KPL1 960 1.00 5.00 3.3958 .94565 KPL2 960 1.00 5.00 3.3271 .95972 KPL3 960 1.00 5.00 3.2781 .99043 Valid N (listwise) 960 lvi Reliability Statistics Cronbach's Alpha N of Items .889 4 Item Statistics Mean Std. Deviation N CLNNL1 2.3667 .64980 960 CLNNL2 2.4479 .66288 960 CLNNL3 2.4052 .64533 960 CLNNL4 2.4729 .70400 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted CLNNL1 7.3260 3.175 .743 .862 CLNNL2 7.2448 3.003 .817 .833 CLNNL3 7.2875 3.254 .708 .874 CLNNL4 7.2198 2.979 .759 .856 Scale Statistics Mean Variance Std. Deviation N of Items 9.6927 5.318 2.30617 4 lvii Reliability Statistics Cronbach's Alpha N of Items .958 4 Item Statistics Mean Std. Deviation N CLMK1 3.0646 1.00156 960 CLMK2 3.0750 1.00292 960 CLMK3 3.1104 .96675 960 CLMK4 3.0917 1.00879 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted CLMK1 9.2771 7.940 .912 .941 CLMK2 9.2667 8.062 .882 .950 CLMK3 9.2313 8.241 .885 .949 CLMK4 9.2500 7.898 .913 .941 Scale Statistics Mean Variance Std. Deviation N of Items 12.3417 14.090 3.75361 4 lviii Reliability Statistics Cronbach's Alpha N of Items .962 4 Item Statistics Mean Std. Deviation N NLTC1 3.0771 .97855 960 NLTC2 3.0458 1.01191 960 NLTC3 3.1031 .96378 960 NLTC4 3.0896 .98280 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted NLTC1 9.2385 7.861 .927 .943 NLTC2 9.2698 7.957 .862 .962 NLTC3 9.2125 8.038 .903 .950 NLTC4 9.2260 7.827 .929 .942 Scale Statistics Mean Variance Std. Deviation N of Items 12.3156 13.903 3.72873 4 lix Reliability Statistics Cronbach's Alpha N of Items .952 4 Item Statistics Mean Std. Deviation N CNNH1 3.0604 .97438 960 CNNH2 3.0656 .99155 960 CNNH3 3.1135 .94622 960 CNNH4 3.0823 .97972 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted CNNH1 9.2615 7.461 .905 .929 CNNH2 9.2563 7.590 .852 .946 CNNH3 9.2083 7.733 .874 .939 CNNH4 9.2396 7.459 .899 .931 Scale Statistics Mean Variance Std. Deviation N of Items 12.3219 13.228 3.63702 4 lx Reliability Statistics Cronbach's Alpha N of Items .854 4 Item Statistics Mean Std. Deviation N QTRR1 3.3948 .88279 960 QTRR2 3.5219 .97280 960 QTRR3 3.3333 .99180 960 QTRR4 3.3979 .92356 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted QTRR1 10.2531 6.029 .714 .808 QTRR2 10.1260 5.662 .712 .807 QTRR3 10.3146 5.868 .636 .841 QTRR4 10.2500 5.814 .727 .801 Scale Statistics Mean Variance Std. Deviation N of Items 13.6479 9.905 3.14724 4 lxi Reliability Statistics Cronbach's Alpha N of Items .950 3 Item Statistics Mean Std. Deviation N KPL1 3.3958 .94565 960 KPL2 3.3271 .95972 960 KPL3 3.2781 .99043 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted KPL1 6.6052 3.591 .878 .941 KPL2 6.6740 3.409 .931 .900 KPL3 6.7229 3.427 .879 .941 Scale Statistics Mean Variance Std. Deviation N of Items 10.0010 7.630 2.76221 3 lxii Reliability Statistics Cronbach's Alpha N of Items .924 5 Item Statistics Mean Std. Deviation N CSHT1 2.3698 .65044 960 CSHT2 2.4323 .67086 960 CSHT3 2.4010 .64146 960 CSHT4 2.4479 .69363 960 CSHT5 2.4573 .70322 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted CSHT1 9.7385 5.964 .717 .923 CSHT2 9.6760 5.606 .821 .903 CSHT3 9.7073 5.992 .720 .922 CSHT4 9.6604 5.344 .885 .889 CSHT5 9.6510 5.345 .869 .893 Scale Statistics Mean Variance Std. Deviation N of Items 12.1083 8.664 2.94346 5 lxiii Reliability Statistics Cronbach's Alpha N of Items .957 4 Item Statistics Mean Std. Deviation N CSMT1 3.0938 .99507 960 CSMT2 3.0823 1.01115 960 CSMT3 3.1292 .97089 960 CSMT4 3.0740 1.01488 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted CSMT1 9.2854 7.889 .937 .931 CSMT2 9.2969 8.186 .849 .957 CSMT3 9.2500 8.248 .884 .947 CSMT4 9.3052 7.899 .910 .939 Scale Statistics Mean Variance Std. Deviation N of Items 12.3792 14.119 3.75751 4 lxiv Reliability Statistics Cronbach's Alpha N of Items .957 3 Item Statistics Mean Std. Deviation N PTTDX1 3.4323 .93679 960 PTTDX2 3.3813 .94723 960 PTTDX3 3.3406 .96747 960 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted PTTDX1 6.7219 3.488 .893 .949 PTTDX2 6.7729 3.331 .943 .911 PTTDX3 6.8135 3.380 .892 .950 Scale Statistics Mean Variance Std. Deviation N of Items 10.1542 7.488 2.73646 3 lxv KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .821 Bartlett's Test of Sphericity Approx. Chi-Square 2200.847 df 6 Sig. .000 Communalities Initial Extraction CLNNL1 1.000 .735 CLNNL2 1.000 .817 CLNNL3 1.000 .695 CLNNL4 1.000 .755 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.002 75.056 75.056 3.002 75.056 75.056 2 .421 10.513 85.568 3 .351 8.778 94.346 4 .226 5.654 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 CLNNL2 .904 CLNNL4 .869 CLNNL1 .857 CLNNL3 .834 lxvi KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .877 Bartlett's Test of Sphericity Approx. Chi-Square 4324.462 df 6 Sig. .000 Communalities Initial Extraction CLMK1 1.000 .905 CLMK2 1.000 .871 CLMK3 1.000 .875 CLMK4 1.000 .906 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.558 88.938 88.938 3.558 88.938 88.938 2 .178 4.438 93.377 3 .150 3.744 97.120 4 .115 2.880 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 CLMK4 .952 CLMK1 .951 CLMK3 .936 CLMK2 .933 lxvii KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .873 Bartlett's Test of Sphericity Approx. Chi-Square 4669.454 df 6 Sig. .000 Communalities Initial Extraction NLTC1 1.000 .922 NLTC2 1.000 .848 NLTC3 1.000 .896 NLTC4 1.000 .925 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.590 89.759 89.759 3.590 89.759 89.759 2 .203 5.064 94.823 3 .120 3.005 97.827 4 .087 2.173 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 NLTC4 .962 NLTC1 .960 NLTC3 .947 NLTC2 .921 lxviii KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .857 Bartlett's Test of Sphericity Approx. Chi-Square 4056.733 df 6 Sig. .000 Communalities Initial Extraction CNNH1 1.000 .899 CNNH2 1.000 .839 CNNH3 1.000 .864 CNNH4 1.000 .892 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.494 87.352 87.352 3.494 87.352 87.352 2 .224 5.599 92.951 3 .179 4.481 97.431 4 .103 2.569 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 CNNH1 .948 CNNH4 .945 CNNH3 .929 CNNH2 .916 lxix KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .727 Bartlett's Test of Sphericity Approx. Chi-Square 1962.307 df 6 Sig. .000 Communalities Initial Extraction QTRR1 1.000 .729 QTRR2 1.000 .705 QTRR3 1.000 .615 QTRR4 1.000 .745 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 2.793 69.833 69.833 2.793 69.833 69.833 2 .666 16.659 86.492 3 .332 8.311 94.803 4 .208 5.197 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 QTRR4 .863 QTRR1 .854 QTRR2 .839 QTRR3 .784 Extraction Method: Principal Component Analysis. lxx KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .746 Bartlett's Test of Sphericity Approx. Chi-Square 2994.235 df 3 Sig. .000 Communalities Initial Extraction KPL1 1.000 .894 KPL2 1.000 .942 KPL3 1.000 .894 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 2.730 91.007 91.007 2.730 91.007 91.007 2 .181 6.045 97.052 3 .088 2.948 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 KPL2 .971 KPL3 .946 KPL1 .945 Extraction Method: Principal Component Analysis. a. 1 components extracted. lxxi KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .822 Bartlett's Test of Sphericity Approx. Chi-Square 4968.501 df 10 Sig. .000 Communalities Initial Extraction CSHT1 1.000 .658 CSHT2 1.000 .791 CSHT3 1.000 .662 CSHT4 1.000 .871 CSHT5 1.000 .853 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.836 76.717 76.717 3.836 76.717 76.717 2 .514 10.274 86.992 3 .366 7.313 94.305 4 .255 5.090 99.395 5 .030 .605 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 CSHT4 .934 CSHT5 .924 CSHT2 .890 CSHT3 .813 CSHT1 .811 lxxii KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .800 Bartlett's Test of Sphericity Approx. Chi-Square 4975.631 df 6 Sig. .000 Communalities Initial Extraction CSMT1 1.000 .934 CSMT2 1.000 .833 CSMT3 1.000 .873 CSMT4 1.000 .905 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 3.546 88.638 88.638 3.546 88.638 88.638 2 .258 6.450 95.089 3 .158 3.960 99.048 4 .038 .952 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 CSMT1 .967 CSMT4 .951 CSMT3 .934 CSMT2 .913 lxxiii KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .744 Bartlett's Test of Sphericity Approx. Chi-Square 3258.801 df 3 Sig. .000 Communalities Initial Extraction PTTDX1 1.000 .907 PTTDX2 1.000 .952 PTTDX3 1.000 .905 Extraction Method: Principal Component Analysis. Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 1 2.763 92.111 92.111 2.763 92.111 92.111 2 .163 5.428 97.539 3 .074 2.461 100.000 Extraction Method: Principal Component Analysis. Component Matrixa Component 1 PTTDX2 .975 PTTDX1 .952 PTTDX3 .951 Extraction Method: Principal Component Analysis. a. 1 components extracted. lxxiv KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .802 Bartlett's Test of Sphericity Approx. Chi-Square 35756.794 df 595 Sig. .000 Communalities Initial Extraction PTTDX1 1.000 .901 PTTDX2 1.000 .945 PTTDX3 1.000 .901 CSMT1 1.000 .936 CSMT2 1.000 .831 CSMT3 1.000 .878 CSMT4 1.000 .909 QTRR1 1.000 .768 QTRR2 1.000 .715 QTRR3 1.000 .663 QTRR4 1.000 .766 CNNH1 1.000 .901 CNNH2 1.000 .844 CNNH3 1.000 .868 CNNH4 1.000 .891 NLTC1 1.000 .919 NLTC2 1.000 .858 NLTC3 1.000 .896 NLTC4 1.000 .921 CLMK1 1.000 .906 CLMK2 1.000 .873 CLMK3 1.000 .876 CLMK4 1.000 .906 CLNNL1 1.000 .739 CLNNL2 1.000 .829 CLNNL3 1.000 .705 CLNNL4 1.000 .762 CSHT1 1.000 .664 CSHT2 1.000 .797 CSHT3 1.000 .664 CSHT4 1.000 .874 CSHT5 1.000 .858 KPL1 1.000 .897 KPL2 1.000 .942 KPL3 1.000 .896 Extraction Method: Principal Component Analysis. lxxv Total Variance Explained Comp Initial Eigenvalues Extraction Sums of Squared Loadings Rotation Sums of Squared Loadingsa Total % of Variance Cumulative % Total % of Variance Cumulative % Total 1 6.345 18.128 18.128 6.345 18.128 18.128 4.268 2 4.197 11.992 30.120 4.197 11.992 30.120 4.666 3 3.995 11.414 41.534 3.995 11.414 41.534 3.967 4 3.540 10.115 51.649 3.540 10.115 51.649 4.206 5 2.914 8.326 59.975 2.914 8.326 59.975 3.710 6 2.732 7.805 67.780 2.732 7.805 67.780 3.192 7 2.379 6.798 74.578 2.379 6.798 74.578 3.047 8 2.079 5.939 80.517 2.079 5.939 80.517 2.888 9 1.320 3.771 84.288 1.320 3.771 84.288 4.239 10 .622 1.778 86.066 11 .601 1.718 87.784 12 .402 1.148 88.932 13 .363 1.038 89.970 14 .355 1.014 90.983 15 .308 .879 91.862 16 .304 .868 92.730 17 .282 .806 93.536 18 .251 .716 94.252 19 .199 .567 94.820 20 .192 .549 95.369 21 .191 .547 95.916 22 .174 .496 96.412 23 .162 .463 96.875 24 .156 .447 97.322 25 .141 .402 97.725 26 .127 .362 98.087 27 .112 .319 98.406 28 .105 .299 98.705 29 .093 .265 98.970 30 .084 .240 99.210 31 .081 .232 99.442 32 .073 .208 99.651 33 .065 .187 99.838 34 .035 .099 99.936 35 .022 .064 100.000 Extraction Method: Principal Component Analysis. a. When components are correlated, sums of squared loadings cannot be added to obtain a total variance. lxxvi Component Matrixa Component 1 2 3 4 5 6 7 8 9 PTTDX1 .671 NLTC1 .667 .549 PTTDX2 .666 -.519 NLTC4 .661 .559 NLTC3 .661 .557 PTTDX3 .626 -.531 NLTC2 .616 .518 CLMK1 .572 CLMK4 .572 CLMK2 .553 CLMK3 .550 CSMT1 -.679 CSMT4 -.666 CSMT3 -.644 CSMT2 -.635 CSHT4 .526 CSHT5 .514 CSHT2 .511 CSHT3 CSHT1 CNNH1 .622 CNNH3 .619 CNNH4 .614 CNNH2 .585 KPL2 -.551 .529 KPL3 -.542 .519 QTRR2 .537 QTRR3 CLNNL2 .602 CLNNL4 .600 CLNNL1 .596 CLNNL3 .546 KPL1 .553 QTRR4 .581 QTRR1 .561 Extraction Method: Principal Component Analysis. a. 9 components extracted. lxxvii Pattern Matrixa Component 1 2 3 4 5 6 7 8 9 CSHT4 .942 CSHT5 .938 CSHT2 .873 CSHT1 .810 CSHT3 .800 NLTC4 .940 NLTC2 .939 NLTC1 .937 NLTC3 .897 CSMT1 .970 CSMT4 .959 CSMT3 .943 CSMT2 .891 CLMK4 .948 CLMK1 .947 CLMK2 .940 CLMK3 .936 CNNH1 .942 CNNH4 .939 CNNH3 .936 CNNH2 .920 CLNNL2 .910 CLNNL4 .870 CLNNL1 .862 CLNNL3 .819 QTRR4 .876 QTRR1 .861 QTRR2 .829 QTRR3 .768 KPL2 .966 KPL1 .954 KPL3 .940 PTTDX3 .950 PTTDX2 .949 PTTDX1 .889 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. a. Rotation converged in 6 iterations. lxxviii Structure Matrix Component 1 2 3 4 5 6 7 8 9 CSHT4 .934 CSHT5 .925 CSHT2 .889 CSHT3 .812 CSHT1 .810 NLTC4 .959 .526 NLTC1 .957 .532 NLTC3 .943 .557 NLTC2 .922 CSMT1 .967 CSMT4 .952 CSMT3 .934 CSMT2 .909 CLMK4 .951 CLMK1 .951 CLMK3 .935 CLMK2 .934 CNNH1 .948 CNNH4 .943 CNNH3 .930 CNNH2 .916 CLNNL2 .906 CLNNL4 .869 CLNNL1 .856 CLNNL3 .832 QTRR4 .865 QTRR1 .857 QTRR2 .836 QTRR3 .781 KPL2 .970 KPL3 .945 KPL1 .945 PTTDX2 .534 .971 PTTDX3 .502 .948 PTTDX1 .574 .944 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. lxxix Component Correlation Matrix Com 1 2 3 4 5 6 7 8 9 1 1.000 .087 .033 .279 .065 -.089 -.024 -.036 .151 2 .087 1.000 .129 .164 .022 -.037 .041 .077 .523 3 .033 .129 1.000 .058 .139 -.149 -.196 .003 .159 4 .279 .164 .058 1.000 .109 -.092 -.086 .058 .205 5 .065 .022 .139 .109 1.000 -.075 -.001 -.106 .090 6 -.089 -.037 -.149 -.092 -.075 1.000 .045 .010 .007 7 -.024 .041 -.196 -.086 -.001 .045 1.000 -.132 .078 8 -.036 .077 .003 .058 -.106 .010 -.132 1.000 .067 9 .151 .523 .159 .205 .090 .007 .078 .067 1.000 Extraction Method: Principal Component Analysis. Rotation Method: Promax with Kaiser Normalization. CR AVE MSV ASV KPL CSHT NLTC CSMT CLMK CNNH CLNNL QTRR PTTDX KPL 0.944 0.850 0.026 0.007 0.922 CSHT 0.913 0.678 0.102 0.020 -0.022 0.823 NLTC 0.962 0.863 0.376 0.056 0.090 0.105 0.929 CSMT 0.952 0.833 0.052 0.018 -0.006 0.017 0.127 0.913 CLMK 0.958 0.852 0.102 0.028 0.077 0.319 0.178 0.065 0.923 CNNH 0.948 0.822 0.027 0.009 -0.111 0.060 0.032 0.164 0.113 0.907 CLNNL 0.890 0.671 0.023 0.007 -0.032 -0.102 -0.038 -0.152 -0.092 -0.094 0.819 QTRR 0.827 0.549 0.052 0.012 -0.162 -0.019 0.041 -0.228 -0.111 0.014 0.045 0.741 PTTDX 0.945 0.851 0.376 0.060 0.059 0.176 0.613 0.136 0.210 0.088 -0.015 0.044 0.922 lxxx Scalar Estimates (Group number 1 - Default model) Maximum Likelihood Estimates Regression Weights: (Group number 1 - Default model) Estimate S.E. C.R. P Label CSHT4 <--- 1 1.000 CSHT5 <--- 1 .990 .010 99.567 *** CSHT2 <--- 1 1.002 .029 34.649 *** CSHT1 <--- 1 .786 .030 25.986 *** CSHT3 <--- 1 .794 .029 26.965 *** NLTC4 <--- 2 1.000 NLTC2 <--- 2 .945 .020 48.449 *** NLTC1 <--- 2 .989 .016 63.636 *** NLTC3 <--- 2 .947 .017 56.076 *** CSMT1 <--- 3 1.000 CSMT4 <--- 3 .982 .011 92.379 *** CSMT3 <--- 3 .844 .017 50.910 *** CSMT2 <--- 3 .832 .020 42.604 *** CLMK4 <--- 4 1.000 CLMK1 <--- 4 .992 .017 57.680 *** CLMK2 <--- 4 .954 .019 49.354 *** CLMK3 <--- 4 .924 .018 50.228 *** CNNH1 <--- 5 1.000 CNNH4 <--- 5 .997 .017 58.970 *** CNNH3 <--- 5 .894 .019 46.153 *** CNNH2 <--- 5 .911 .021 42.465 *** CLNNL2 <--- 6 1.000 CLNNL4 <--- 6 .975 .031 31.778 *** CLNNL1 <--- 6 1.185 .153 7.754 *** CLNNL3 <--- 6 1.149 .149 7.730 *** QTRR4 <--- 7 1.000 QTRR1 <--- 7 .949 .034 27.814 *** QTRR2 <--- 7 1.402 .073 19.206 *** QTRR3 <--- 7 1.257 .066 19.051 *** KPL2 <--- 8 1.000 KPL1 <--- 8 .830 .049 17.034 *** KPL3 <--- 8 .869 .051 17.033 *** PTTDX3 <--- 9 1.000 PTTDX2 <--- 9 1.058 .018 60.247 *** PTTDX1 <--- 9 1.093 .030 35.874 *** lxxxi Covariances: (Group number 1 - Default model) Estimate S.E. C.R. P Label 1 2 .060 .020 3.033 .002 1 3 .010 .020 .514 .608 1 4 .183 .021 8.680 *** 1 5 .034 .019 1.731 .084 1 6 -.031 .011 -2.787 .005 1 7 -.007 .013 -.513 .608 1 8 -.013 .020 -.664 .507 1 9 .089 .018 4.973 *** 2 3 .118 .031 3.822 *** 2 4 .159 .030 5.219 *** 2 5 .027 .029 .938 .348 2 6 -.018 .016 -1.148 .251 2 7 .023 .020 1.134 .257 2 8 .084 .030 2.833 .005 2 9 .481 .033 14.725 *** 3 4 .061 .031 1.949 .051 3 5 .151 .031 4.892 *** 3 6 -.075 .019 -3.994 *** 3 7 -.136 .022 -6.129 *** 3 8 -.006 .031 -.203 .839 3 9 .113 .028 4.071 *** 4 5 .100 .030 3.337 *** 4 6 -.044 .017 -2.621 .009 4 7 -.064 .021 -3.069 .002 4 8 .072 .030 2.411 .016 4 9 .166 .027 6.048 *** 5 6 -.044 .016 -2.675 .007 5 7 .008 .020 .394 .694 5 8 -.102 .029 -3.467 *** 5 9 .068 .026 2.604 .009 6 7 .013 .011 1.251 .211 6 8 -.016 .016 -1.003 .316 6 9 -.006 .014 -.447 .655 7 8 -.097 .021 -4.628 *** 7 9 .022 .018 1.233 .218 8 9 .048 .026 1.834 .067 e33 e34 .093 .015 6.058 *** e1 e2 .111 .009 12.841 *** e4 e5 .039 .008 5.235 *** e8 e9 .008 .007 1.235 .217 e12 e13 .128 .011 11.964 *** e16 e17 .003 .008 .422 .673 e20 e21 .063 .010 6.494 *** e22 e23 .107 .031 3.410 *** e24 e25 -.077 .043 -1.816 .069 e26 e27 .291 .022 13.359 *** e31 e32 .066 .040 1.649 .099 lxxxii Variances: (Group number 1 - Default model) Estimate S.E. C.R. P Label 1 .365 .022 16.333 *** 2 .885 .044 19.958 *** 3 .985 .045 21.667 *** 4 .901 .047 19.356 *** 5 .859 .044 19.674 *** 6 .251 .036 6.945 *** 7 .365 .035 10.431 *** 8 .970 .069 14.121 *** 9 .694 .044 15.947 *** e1 .116 .009 13.512 *** e2 .136 .009 14.569 *** e3 .083 .008 10.780 *** e4 .197 .010 18.879 *** e5 .181 .010 18.567 *** e6 .080 .007 11.197 *** e7 .232 .012 19.217 *** e8 .090 .008 11.641 *** e9 .134 .009 14.516 *** e10 .004 .005 .882 .378 e11 .079 .006 13.136 *** e12 .240 .012 20.779 *** e13 .340 .016 21.297 *** e14 .116 .008 14.240 *** e15 .116 .008 14.388 *** e16 .186 .011 16.678 *** e17 .165 .010 16.427 *** e18 .090 .008 11.254 *** e19 .106 .008 12.684 *** e20 .207 .011 18.216 *** e21 .270 .014 18.897 *** e22 .188 .032 5.817 *** e23 .257 .032 8.040 *** e24 .070 .045 1.559 .119 e25 .085 .042 2.010 .044 e26 .487 .026 18.418 *** e27 .450 .024 18.503 *** e28 .228 .027 8.338 *** e29 .406 .028 14.670 *** e30 -.050 .054 -.915 .360 e31 .225 .039 5.810 *** e32 .247 .042 5.820 *** e33 .241 .018 13.633 *** e34 .120 .016 7.722 *** e35 .048 .016 3.073 .002 lxxxiii Model Fit Summary CMIN Model NPAR CMIN DF P CMIN/DF Default model 117 2024.461 513 .000 3.946 Saturated model 630 .000 0 Independence model 35 36229.017 595 .000 60.889 RMR, GFI Model RMR GFI AGFI PGFI Default model .024 .896 .872 .729 Saturated model .000 1.000 Independence model .219 .302 .261 .285 Baseline Comparisons Model NFI Delta1 RFI rho1 IFI Delta2 TLI rho2 CFI Default model .944 .935 .958 .951 .958 Saturated model 1.000 1.000 1.000 Independence model .000 .000 .000 .000 .000 Parsimony-Adjusted Measures Model PRATIO PNFI PCFI Default model .862 .814 .826 Saturated model .000 .000 .000 Independence model 1.000 .000 .000 NCP Model NCP LO 90 HI 90 Default model 1511.461 1376.852 1653.586 Saturated model .000 .000 .000 Independence model 35634.017 35013.594 36260.753 FMIN Model FMIN F0 LO 90 HI 90 Default model 2.111 1.576 1.436 1.724 Saturated model .000 .000 .000 .000 Independence model 37.778 37.157 36.511 37.811 RMSEA Model RMSEA LO 90 HI 90 PCLOSE Default model .055 .053 .058 .000 Independence model .250 .248 .252 .000 lxxxiv AIC Model AIC BCC BIC CAIC Default model 2258.461 2267.588 2827.893 2944.893 Saturated model 1260.000 1309.144 4326.168 4956.168 Independence model 36299.017 36301.748 36469.360 36504.360 ECVI Model ECVI LO 90 HI 90 MECVI Default model 2.355 2.215 2.503 2.365 Saturated model 1.314 1.314 1.314 1.365 Independence model 37.851 37.204 38.504 37.854 HOELTER Model HOELTER .05 HOELTER .01 Default model 269 280 Independence model 18 18 lxxxv Regression Weights: (Group number 1 - Default model) Estimate S.E. C.R. P Label PTNHX <--- CSHT .160 .046 3.496 *** PTNHX <--- NLTC .526 .027 19.336 *** PTNHX <--- CLMK .079 .027 2.986 .003 PTNHX <--- CNNH .069 .024 2.829 .005 PTNHX <--- CLNNL .208 .045 4.617 *** PTNHX <--- QTRR .153 .030 5.107 *** PTNHX <--- KPL .081 .029 2.748 .006 PTNHX <--- CSMT .068 .022 3.111 .002 CSHT1 <--- CSHT 1.000 CSHT2 <--- CSHT 1.255 .048 26.261 *** CSHT3 <--- CSHT .981 .042 23.587 *** CSHT4 <--- CSHT 1.071 .044 24.112 *** CSHT5 <--- CSHT 1.061 .045 23.683 *** NLTC1 <--- NLTC 1.000 NLTC2 <--- NLTC .959 .020 46.887 *** NLTC3 <--- NLTC .993 .023 44.081 *** NLTC4 <--- NLTC 1.034 .022 46.934 *** CSMT1 <--- CSMT 1.000 CSMT2 <--- CSMT .845 .020 42.546 *** CSMT3 <--- CSMT .791 .026 30.498 *** CSMT4 <--- CSMT .919 .026 35.261 *** CLMK1 <--- CLMK 1.000 CLMK2 <--- CLMK .961 .020 48.864 *** CLMK3 <--- CLMK .940 .036 26.293 *** CLMK4 <--- CLMK 1.018 .037 27.387 *** CNNH1 <--- CNNH 1.000 CNNH2 <--- CNNH .910 .022 42.061 *** CNNH3 <--- CNNH .828 .045 18.245 *** CNNH4 <--- CNNH .923 .049 18.920 *** CLNNL1 <--- CLNNL 1.000 CLNNL2 <--- CLNNL 1.166 .043 27.065 *** CLNNL3 <--- CLNNL 1.912 .306 6.255 *** CLNNL4 <--- CLNNL 2.181 .343 6.360 *** QTRR1 <--- QTRR 1.000 QTRR2 <--- QTRR .797 .037 21.482 *** QTRR3 <--- QTRR .555 .055 10.085 *** QTRR4 <--- QTRR .862 .071 12.125 *** KPL1 <--- KPL 1.000 KPL2 <--- KPL 1.258 .106 11.902 *** KPL3 <--- KPL 1.387 .144 9.626 *** PTTDX3 <--- PTNHX 1.000 PTTDX2 <--- PTNHX 1.049 .017 60.789 *** PTTDX1 <--- PTNHX .973 .019 50.137 *** lxxxvi Standardized Regression Weights: (Group number 1 - Default model) Estimate PTNHX <--- CSHT .094 PTNHX <--- NLTC .545 PTNHX <--- CLMK .084 PTNHX <--- CNNH .075 PTNHX <--- CLNNL .087 PTNHX <--- QTRR .148 PTNHX <--- KPL .068 PTNHX <--- CSMT .079 CSHT1 <--- CSHT .803 CSHT2 <--- CSHT .977 CSHT3 <--- CSHT .799 CSHT4 <--- CSHT .807 CSHT5 <--- CSHT .788 NLTC1 <--- NLTC .941 NLTC2 <--- NLTC .873 NLTC3 <--- NLTC .948 NLTC4 <--- NLTC .968 CSMT1 <--- CSMT 1.031 CSMT2 <--- CSMT .858 CSMT3 <--- CSMT .836 CSMT4 <--- CSMT .929 CLMK1 <--- CLMK .936 CLMK2 <--- CLMK .898 CLMK3 <--- CLMK .912 CLMK4 <--- CLMK .946 CNNH1 <--- CNNH .989 CNNH2 <--- CNNH .884 CNNH3 <--- CNNH .844 CNNH4 <--- CNNH .908 CLNNL1 <--- CLNNL .572 CLNNL2 <--- CLNNL .654 CLNNL3 <--- CLNNL 1.102 CLNNL4 <--- CLNNL 1.152 QTRR1 <--- QTRR .975 QTRR2 <--- QTRR .706 QTRR3 <--- QTRR .481 QTRR4 <--- QTRR .803 KPL1 <--- KPL .786 KPL2 <--- KPL .975 KPL3 <--- KPL 1.041 PTTDX3 <--- PTNHX .917 PTTDX2 <--- PTNHX .983 PTTDX1 <--- PTNHX .921 lxxxvii Covariances: (Group number 1 - Default model) Estimate S.E. C.R. P Label CSHT NLTC .047 .016 2.979 .003 CSHT CSMT .011 .016 .675 .500 CSHT CLMK .150 .018 8.516 *** CSHT CNNH .030 .016 1.865 .062 CSHT CLNNL -.010 .005 -2.053 .040 CSHT QTRR .003 .014 .183 .855 CSHT KPL -.005 .012 -.411 .681 NLTC CSMT .104 .029 3.562 *** NLTC CLMK .148 .029 5.040 *** NLTC CNNH .028 .029 .970 .332 NLTC CLNNL -.016 .008 -1.888 .059 NLTC QTRR .023 .026 .886 .376 NLTC KPL .043 .021 1.991 .047 CSMT CLMK .060 .030 2.015 .044 CSMT CNNH .150 .031 4.894 *** CSMT CLNNL -.048 .013 -3.553 *** CSMT QTRR -.119 .027 -4.335 *** CSMT KPL -.009 .022 -.434 .664 CLMK CNNH .097 .030 3.243 .001 CLMK CLNNL -.012 .008 -1.397 .162 CLMK QTRR -.046 .027 -1.723 .085 CLMK KPL .041 .022 1.871 .061 CNNH CLNNL -.013 .008 -1.534 .125 CNNH QTRR .003 .027 .112 .911 CNNH KPL -.086 .024 -3.572 *** CLNNL QTRR -.004 .007 -.558 .577 CLNNL KPL -.012 .006 -1.873 .061 QTRR KPL -.080 .022 -3.651 *** e1 e2 -.060 .010 -5.944 *** e4 e5 .162 .012 13.986 *** e8 e9 -.033 .014 -2.369 .018 e12 e13 .046 .021 2.208 .027 e16 e17 -.007 .028 -.262 .793 e20 e21 .058 .036 1.582 .114 e22 e23 .132 .026 5.060 *** e24 e25 -.309 .088 -3.531 *** e26 e27 -.090 .047 -1.898 .058 e31 e32 -.120 .079 -1.528 .127 e30 e31 .110 .046 2.382 .017 e28 e29 .121 .032 3.820 *** e27 e28 .314 .024 12.944 *** e23 e24 -.015 .010 -1.423 .155 e19 e20 .064 .010 6.109 *** e18 e19 -.061 .043 -1.433 .152 e15 e16 .004 .009 .446 .656 e14 e15 .009 .028 .323 .747 e11 e12 .118 .011 10.518 *** e10 e11 -.071 .024 -2.933 .003 e7 e8 -.013 .008 -1.586 .113 e6 e7 .014 .014 .959 .338 e3 e4 -.001 .002 -.448 .654 e2 e3 -.043 .010 -4.145 *** lxxxviii Correlations: (Group number 1 - Default model) Estimate CSHT NLTC .097 CSHT CSMT .020 CSHT CLMK .306 CSHT CNNH .060 CSHT CLNNL -.051 CSHT QTRR .006 CSHT KPL -.012 NLTC CSMT .111 NLTC CLMK .171 NLTC CNNH .032 NLTC CLNNL -.047 NLTC QTRR .029 NLTC KPL .063 CSMT CLMK .063 CSMT CNNH .152 CSMT CLNNL -.125 CSMT QTRR -.135 CSMT KPL -.012 CLMK CNNH .108 CLMK CLNNL -.033 CLMK QTRR -.057 CLMK KPL .059 CNNH CLNNL -.036 CNNH QTRR .004 CNNH KPL -.121 CLNNL QTRR -.012 CLNNL KPL -.044 QTRR KPL -.125 e1 e2 -1.099 e4 e5 .917 e8 e9 -.443 e12 e13 .232 e16 e17 -.056 e20 e21 .276 e22 e23 .494 e26 e27 -.662 e30 e31 .880 e28 e29 .253 e27 e28 .524 e19 e20 .270 e18 e19 -.907 e15 e16 .023 e14 e15 .058 e11 e12 .425 e7 e8 -.087 e6 e7 .083 e3 e4 -.007 e2 e3 -.778 lxxxix Variances: (Group number 1 - Default model) Estimate S.E. C.R. P Label CSHT .273 .020 13.722 *** NLTC .846 .045 18.632 *** CSMT 1.052 .053 19.871 *** CLMK .878 .054 16.320 *** CNNH .927 .064 14.520 *** CLNNL .138 .025 5.588 *** QTRR .739 .068 10.809 *** KPL .552 .067 8.208 *** e36 .472 .026 18.169 *** e1 .150 .011 13.941 *** e2 .020 .016 1.288 .198 e3 .149 .011 14.083 *** e4 .168 .012 14.368 *** e5 .187 .012 15.569 *** e6 .110 .014 7.712 *** e7 .244 .018 13.679 *** e8 .094 .015 6.213 *** e9 .060 .015 4.013 *** e10 -.063 .028 -2.248 .025 e11 .270 .026 10.265 *** e12 .284 .021 13.576 *** e13 .140 .024 5.813 *** e14 .125 .029 4.244 *** e15 .194 .029 6.727 *** e16 .158 .027 5.778 *** e17 .107 .030 3.542 *** e18 .021 .047 .456 .649 e19 .214 .042 5.139 *** e20 .258 .034 7.520 *** e21 .169 .041 4.163 *** e22 .284 .024 11.820 *** e23 .251 .031 8.203 *** e24 -.089 .080 -1.118 .264 e25 -.162 .100 -1.614 .107 e26 .039 .059 .668 .504 e27 .474 .048 9.947 *** e28 .756 .039 19.368 *** e29 .303 .045 6.700 *** e30 .341 .058 5.896 *** e31 .046 .095 .485 .628 e32 -.082 .107 -.769 .442 e33 .149 .009 17.406 *** e34 .031 .006 5.390 *** e35 .133 .008 17.055 *** xc Regression Weights: (Group number 1 - Default model) Parameter SE SE-SE Mean Bias SE-Bias PTTDX <--- CSHT .044 .001 .158 -.002 .001 PTTDX <--- NLTC .033 .001 .524 -.005 .003 PTTDX <--- CLMK .030 .000 .081 .002 .005 PTTDX <--- CNNH .025 .000 .066 -.001 .002 PTTDX <--- CLNNL .043 .001 .202 -.002 .001 PTTDX <--- QTRR .035 .001 .147 -.001 .004 PTTDX <--- KPL .036 .001 .074 -.001 .001 PTTDX <--- CSMT .023 .000 .068 .004 .005 CSHT1 <--- CSHT .000 .000 1.000 .000 .000 CSHT2 <--- CSHT .072 .001 1.259 .004 .002 CSHT3 <--- CSHT .059 .001 .984 .002 .001 CSHT4 <--- CSHT .058 .001 1.072 .000 .001 CSHT5 <--- CSHT .056 .001 1.061 .000 .001 NLTC1 <--- NLTC .000 .000 1.000 .000 .000 NLTC2 <--- NLTC .023 .000 .959 -.001 .001 NLTC3 <--- NLTC .028 .000 .994 .001 .001 NLTC4 <--- NLTC .019 .000 1.035 .001 .000 CSMT1 <--- CSMT .000 .000 1.000 .000 .000 CSMT2 <--- CSMT .032 .001 .846 .001 .001 CSMT3 <--- CSMT .044 .001 .791 .000 .001 CSMT4 <--- CSMT .044 .001 .918 -.001 .001 CLMK1 <--- CLMK .000 .000 1.000 .000 .000 CLMK2 <--- CLMK .023 .000 .961 .000 .001 CLMK3 <--- CLMK .052 .001 .940 -.001 .001 CLMK4 <--- CLMK .052 .001 1.018 .000 .001 CNNH1 <--- CNNH .000 .000 1.000 .000 .000 CNNH2 <--- CNNH .031 .000 .910 -.001 .001 CNNH3 <--- CNNH .098 .002 .829 .001 .002 CNNH4 <--- CNNH .105 .002 .925 .001 .002 CLNNL1 <--- CLNNL .000 .000 1.000 .000 .000 CLNNL2 <--- CLNNL .069 .001 1.166 .000 .002 CLNNL3 <--- CLNNL .700 .011 2.073 .161 .016 CLNNL4 <--- CLNNL .815 .013 2.377 .196 .018 QTRR1 <--- QTRR .000 .000 1.000 .000 .000 QTRR2 <--- QTRR .040 .001 .797 .000 .001 QTRR3 <--- QTRR .090 .001 .548 -.007 .002 QTRR4 <--- QTRR .128 .002 .852 -.010 .003 KPL1 <--- KPL .000 .000 1.000 .000 .000 KPL2 <--- KPL .199 .003 1.272 .013 .004 KPL3 <--- KPL .254 .004 1.407 .020 .006 PTTDX3 <--- PTTDX .000 .000 1.000 .000 .000 PTTDX2 <--- PTTDX .018 .000 1.050 .001 .000 PTTDX1 <--- PTTDX .032 .001 .974 .001 .001 xci Test of Homogeneity of Variances PTTDX Levene Statistic df1 df2 Sig. 1.463 3 956 .223 ANOVA PTTDX Sum of Squares df Mean Square F Sig. Between Groups 1.718 3 .573 .688 .560 Within Groups 796.191 956 .833 Total 797.909 959 Test of Homogeneity of Variances PTTDX Levene Statistic df1 df2 Sig. 1.557 3 956 .198 ANOVA PTTDX Sum of Squares df Mean Square F Sig. Between Groups 4.254 3 1.418 1.708 .164 Within Groups 793.655 956 .830 Total 797.909 959 xcii Test of Homogeneity of Variances PTTDX Levene Statistic df1 df2 Sig. .655 3 956 .580 ANOVA PTTDX Sum of Squares df Mean Square F Sig. Between Groups 4.504 3 1.501 1.809 .144 Within Groups 793.406 956 .830 Total 797.909 959 Test of Homogeneity of Variances PTTDX Levene Statistic df1 df2 Sig. .813 3 956 .487 ANOVA PTTDX Sum of Squares df Mean Square F Sig. Between Groups 1.620 3 .540 .648 .584 Within Groups 796.289 956 .833 Total 797.909 959 xciii Group Statistics Giới tính N Mean Std. Deviation Std. Error Mean PTTDX Nam 429 3.3901 .86386 .04171 Nữ 531 3.3804 .95016 .04123 Independent Samples Test Levene's Test for Equality of Variances t-test for Equality of Means F Sig. t df Sig. (2- tailed) Mean Difference Std. Error Difference 95% Confidence Interval of the Difference Lower Upper PTTD X Equal variances assumed 3.738 .053 .163 958 .871 .00964 .05924 -.10662 .12590 Equal variances not assumed .164 944.71 7 .869 .00964 .05865 -.10546 .12474 Group Statistics Tình trạng hôn nhân N Mean Std. Deviation Std. Error Mean PTTDX Độc thân 410 3.3870 .90868 .04488 Có gia đình 550 3.3830 .91556 .03904 Independent Samples Test Levene's Test for Equality of Variances t-test for Equality of Means F Sig. t df Sig. (2- tailed) Mean Difference Std. Error Difference 95% Confidence Interval of the Difference Lower Upper PTT DX Equal variances assumed .045 .831 .067 958 .947 .00396 .05955 -.11289 .12082 Equal variances not assumed .067 884.78 2 .947 .00396 .05948 -.11278 .12070 xciv (Nguồn: NHNN Việt Nam) (Nguồn: NHNN Việt Nam) 70 84.7 109.7 235.7 317.6 290 451 474.9 0 200 400 600 2015 2016 2017 2018 2019 2020 2021 2022 Dư nợ tín dụng xanh (ĐVT: nghìn tỷ đồng) 1.5 1.52 2.73 3.3 3.54 3.69 4.2 5.3 0 2 4 6 2015 2016 2017 2018 2019 2020 2021 2022 Tỷ trọng dư nợ tín dụng xanh (%) 1.5 1.52 2.73 3.3 3.54 3.69 4.20 5.3 98.5 98.48 97.27 96.7 96.46 96.31 95.8 94.7 0 20 40 60 80 100 120 2015 2016 2017 2018 2019 2020 2021 2022 Dư nợ tín dụng xanh Dư nợ các tín dụng khác