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7

EAS

207

207

207

207

207

207

RISKTIMSICUR
I

N

RISKTIMSICUR
I

Variables Entered/Removed
Model
1

Variables Entered

a

Variables Removed

Method

EAS,
RISKSYSFINA1,
TRUSFUL,

. Enter

RISKTIMSICURI,
b

COST

a. Dependent Variable: USEMBIKING
b. All requested variables entered.

b

Model Summary

Std. Error of the
Model
1

R

R Square

.828

a

.686

Adjusted R Square
.678

Estimate
.56743160

a. Predictors: (Constant), EAS, RISKSYSFINA1, TRUSFUL, RISKTIMSICURI, COST
b. Dependent Variable: USEMBIKING

Durbin-Watson
1.735


a

ANOVA
Model

Sum of Squares

1

Regression

Mean Square

141.282

5

28.256

64.718

201

.322

206.000

206

Residual
Total

df

F

Sig.

87.759

.000

b

a. Dependent Variable: USEMBIKING
b. Predictors: (Constant), EAS, RISKSYSFINA1, TRUSFUL, RISKTIMSICURI, COST
Coefficients
Unstandardized
Coefficients
Model
1

B

a

Standardized
Coefficients

Std. Error

Collinearity Statistics

Beta

t

Sig.

.000

1.000

Tolerance

VIF

(Constant)

1.855E-7

.039

TRUSFUL

.751

.040

.751

18.996

.000

1.000

1.000

RISKSYSFINA1

-.204

.040

-.204

-5.165

.000

1.000

1.000

RISKTIMSICURI

-.227

.040

-.227

-5.730

.000

1.000

1.000

COST

-.135

.040

-.135

-3.412

.001

1.000

1.000

.103

.040

.103

2.605

.010

1.000

1.000

EAS

a. Dependent Variable: USEMBIKING
Collinearity Diagnostics
Mode Dimensio
l
n
1

Eigenvalue

a

Variance Proportions
Condition
Index
(Constant) TRUSFUL RISKSYSFINA1 RISKTIMSICURI COST EAS

1

1.000

1.000

.20

.00

.00

.19

.23

.37

2

1.000

1.000

.06

.26

.17

.26

.18

.05

3

1.000

1.000

.21

.30

.42

.06

.00

.00

4

1.000

1.000

.04

.31

.21

.15

.29

.00

5

1.000

1.000

.39

.03

.18

.04

.06

.31

6

1.000

1.000

.10

.10

.01

.29

.24

.26

a. Dependent Variable: USEMBIKING
a

Residuals Statistics
Minimum

Maximum

Mean

-3.2946577
-3.978
.052

2.3175373
2.798
.206

.0000000
.000
.094

.82815240
1.000

.024

207
207
207

-3.2947636
-1.58082664
-2.786

2.4246974
2.19773865
3.873

.0018456
.00000000
.000

.82695460
.56050299
.988

207
207
207

Predicted Value
Std. Predicted Value
Standard Error of Predicted Value
Adjusted Predicted Value

Residual
Std. Residual
Stud. Residual
Deleted Residual
Stud. Deleted Residual
Mahal. Distance
Cook's Distance
Centered Leverage Value

Std. Deviation

N

-2.869

3.936

-.002

1.005

207

-1.67681420
-2.923
.745
.000
.004

2.26992369

4.087
26.188
.109
.127

-.00184561
-.001
4.976
.006
.024

.58082314
1.014
3.478
.015
.017

207
207
207
207
207

a. Dependent Variable: USEMBIKING


Charts

PHỤ LỤC 3: PHÂN TÍCH SỰ KHÁC BIỆT

Theo địa bàn cư trú
Test of Homogeneity of Variances
USEMBIKING
Levene Statistic

df1

.681

df2
10

Sig.
196

.741

ANOVA
USEMBIKING
Sum of Squares
Between Groups

df

Mean Square

2.190

10

.219

Within Groups

203.810

196

1.040

Total

206.000

206

F

Sig.
.211

.995

Multiple Comparisons
Dependent Variable: USEMBIKING
Dunnett t (2-sided)

a

Mean

95% Confidence Interval

Difference
(I) cutru

(J) cutru

Phường Thanh Bình

Phường Hịa Cường
Nam

Phường Thuận

Phường Hịa Cường

Phước

Nam

Phường Thạch Thang Phường Hòa Cường
Nam
Phường Hải Châu 1

Phường Hòa Cường
Nam

Phường Hải Châu 2

Phường Hòa Cường
Nam

Phường Phước Ninh

Phường Hòa Cường
Nam

Phường Hòa Thuận

Phường Hòa Cường

Tây

Nam

Phường Hịa Thuận

Phường Hịa Cường

Đơng

Nam

Phường Bình Thuận

Phường Hịa Cường
Nam

Phường Hịa Cường

Phường Hòa Cường

Bắc

Nam

(I-J)

Std. Error

Sig.

Lower

Upper

Bound

Bound

-.35280498 .36109367

.898

-1.3244877

.6188778

-.15809325 .35371679

1.000

-1.1099252

.7937387

-.25928419 .39025783

.989

-1.3094460

.7908777

-.20599513 .42565934

.999

-1.3514205

.9394302

-.30514028 .42565934

.982

-1.4505656

.8402851

-.31940411 .39458760

.963

-1.3812171

.7424089

-.21087817 .43481435

.999

-1.3809391

.9591828

-.40942511 .37382162

.830

-1.4153581

.5965078

-.25569130 .35371679

.981

-1.2075233

.6961407

-.08285421 .51753260

1.000

-1.4755053

1.3097969

a. Dunnett t-tests treat one group as a control, and compare all other groups against it.


Theo thời gian đến ngân hàng gần nhất
Test of Homogeneity of Variances
USEMBIKING
Levene Statistic

df1

13.898

df2
2

Sig.
204

.000

ANOVA
USEMBIKING
Sum of Squares
Between Groups

df

Mean Square

5.859

2

2.930

Within Groups

200.141

204

.981

Total

206.000

206

F

Sig.

2.986

.053

Multiple Comparisons
Dependent Variable: USEMBIKING
Dunnett t (2-sided)

a

Mean

95% Confidence Interval

(I) tgdennhang

(J) tgdennhang

Difference (I-J)

Dưới 15 phút

Trên 45 phút

-.26856243

.17045561

Từ 15 đến 45 phút Trên 45 phút

*

.19527573

-.47604492

Std. Error

Sig.

Lower Bound

Upper Bound

.196

-.6461985

.1090736

.029

-.9086688

-.0434211

*. The mean difference is significant at the 0.05 level.
a. Dunnett t-tests treat one group as a control, and compare all other groups against it.

Theo giới tính
Test of Homogeneity of Variances
USEMBIKING
Levene Statistic

df1

5.607

df2
1

Sig.
205

.019

ANOVA
USEMBIKING
Sum of Squares
Between Groups

df

Mean Square

.763

1

.763

Within Groups

205.237

205

1.001

Total

206.000

206

Theo độ tuổi
Test of Homogeneity of Variances
USMBAKING
Levene Statistic
2.532

df1

df2

3

Sig.
203

.058

F

Sig.
.762

.384


ANOVA
USMBAKING
Sum of Squares
Between Groups

df

Mean Square

17.556

3

5.852

Within Groups

188.444

203

.928

Total

206.000

206

F

Sig.

6.304

.000

Multiple Comparisons
Dependent Variable: USMBAKING
Dunnett t (2-sided)

a

Mean

95% Confidence Interval

(I) tuoiploai

(J) tuoiploai

Std. Error

Dưới 30 tuổi

Trên 50

.33018281

.22111403

.298

-.1896388

.8500044

Từ 30 đến 40

Trên 50

-.52488333

*

.20409360

.028

-1.0046912

-.0450754

từ 40 đến 50

Trên 50

.02330175

.18855490

.998

-.4199759

.4665794

Difference (I-J)

Sig.

Lower Bound

Upper Bound

*. The mean difference is significant at the 0.05 level.
a. Dunnett t-tests treat one group as a control, and compare all other groups against it.

Trình độ học vấn
Test of Homogeneity of Variances
USEMBIKING
Levene Statistic

df1

3.606

df2
4

Sig.
202

.007

ANOVA
USEMBIKING
Sum of Squares
Between Groups

df

Mean Square

50.620

4

12.655

Within Groups

155.380

202

.769

Total

206.000

206

F

Sig.

16.452

.000

Multiple Comparisons
Dependent Variable: USEMBIKING
Dunnett t (2-sided)

a

Mean
(I) hocvan
Trung học cơ sở
Trung học phổ thông
Trung cấp
Đại học

(J) hocvan
Trên đại học
Trên đại học
Trên đại học
Trên đại học

95% Confidence Interval

Difference (I-J)

Std. Error

Sig.

Lower Bound

Upper Bound

.000

-2.3835696

-1.1182849

.29041877

.000

-2.3235845

-.8876794

.16885910

.001

-1.0732317

-.2383489

.19133342

.000

-1.4585801

-.5125785

-1.75092725

*

.25590996

-1.60563193

*

-.65579027

*

-.98557934

*

*. The mean difference is significant at the 0.05 level.
a. Dunnett t-tests treat one group as a control, and compare all other groups against it.


Theo nghề nghiệp
Test of Homogeneity of Variances
USEMBIKING
Levene Statistic

df1

df2

1.698

5

Sig.
201

.137

ANOVA
USEMBIKING
Sum of Squares
Between Groups

df

Mean Square

7.788

5

1.558

Within Groups

198.212

201

.986

Total

206.000

206

F

Sig.

1.579

.167

Multiple Comparisons
Dependent Variable: USEMBIKING
Dunnett t (2-sided)

a

Mean

95% Confidence Interval

Difference (I(I) nghenghiep

(J) nghenghiep

Cơng chức, Viên chức

Hưu trí

Doanh nghiệp, Tự

Hưu trí

Std. Error

J)

doanh

Sig.

Lower Bound Upper Bound

-.08157752

.25274275

.997

-.7151268

.5519718

-.44864396

.24895794

.235

-1.0727059

.1754180

Nội trợ

Hưu trí

-.05836089

.25871206

.999

-.7068735

.5901517

Học sinh, Sinh viên

Hưu trí

-.22575101

.25871206

.827

-.8742636

.4227616

Thất nghiệp

Hưu trí

.14722212

.25871206

.963

-.5012904

.7957347

a. Dunnett t-tests treat one group as a control, and compare all other groups against it.

Theo nghề nghiệp
Test of Homogeneity of Variances
USMBAKING
Levene Statistic
.882

df1

df2

2

Sig.
202

.416

ANOVA
USMBAKING
Sum of Squares
Between Groups

df

Mean Square

4.899

4

1.225

Within Groups

201.101

202

.996

Total

206.000

206

F
1.230

Sig.
.299