(Luận văn) evaluating customer satisfaction after service recovery, a study on the retail banking sector in vietnam

UNIVERSITY OF ECONOMICS HO CHI MINH CITY t to ng International School of Business hi ep w n lo ad y th ju Pham Thi Hanh Huong yi pl n ua al n va EVALUATING CUSTOMER SATISFACTION fu ll AFTER SERVICE RECOVERY oi m nh at A study on the retail banking sector in Vietnam z z k jm ht vb om l.c gm MASTER OF BUSINESS (Honours) n a Lu n va y te re th Ho Chi Minh City – Year 2014 UNIVERSITY OF ECONOMICS HO CHI MINH CITY t to ng International School of Business hi ep w n lo ad y th ju Pham Thi Hanh Huong yi pl n ua al n va EVALUATING CUSTOMER SATISFACTION fu ll AFTER SERVICE RECOVERY oi m nh at A study on the retail banking sector in Vietnam z z k jm ht vb ID: 22110024 om n a Lu SUPERVISOR: Dr TRAN HA MINH QUAN l.c gm MASTER OF BUSINESS (Honours) n va y te re th Ho Chi Minh City – Year 2014 t to Acknowledgement ng hi ep This thesis was conducted during months, from August 2013 to April 2014 Working on this thesis has also given me opportunities to approach exciting knowledge w n lo First for all, I would like to thank my supervisor professor Tran Ha Minh Quan for his valuable ad y th guidance and feedback which improved many aspects of my thesis ju Also, the great thanks are to my family and friends around me, who are always beside and give yi pl me useful advices during this study n ua al Sincerely, n va Pham Thi Hanh Huong ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th Abstract t to Vietnam is one of emerging country with many potential to develop With the population ng hi over 88 million (2012), Vietnam is potential market to invest especially for banking market ep Nowadays, the number of the banks in Vietnam is increasing rapidly including the local and w n foreign banks; the competition for their existence becomes much more difficult than ever Hence, lo ad this research is going to examine the way to evaluating customer satisfaction after service y th ju recovery in Vietnam retail banking sector It concludes that ultimate success of any service yi recovery program implemented by a bank and can only be measured by maintenance of satisfied pl al n ua customer This study reveals that perceived justice plays important role and has significant effect n va on emotions and customer satisfaction after service recovery In addition, the reality of ll fu competition among the banks and how they exist in competitive market like Vietnam will be oi m mentioned in this research Conclusion was drawn and it is recommend based on the findings of at nh the study that the banks in Vietnam should focus more on customers to satisfy them by z improving service recovery z vb jm ht This study conducted a questionnaire survey to reach retail customers in Vietnam retail k banking Data has been analysed mainly by descriptive analysis Analysis results suggest that gm how much service recovery effects on customer satisfaction and the specific relationships om l.c between constructs will be come up eventually a Lu The study concludes that the improvement of perceived justice may increase post-recovery n n va satisfaction, which ultimately retains valued customers and built loyalty in customers’ perception te re in Vietnam retail banking industry y Retail banking th Key words: Service recovery, Perceived justice, Emotions, Post-recovery satisfaction, Table of Contents t to Acknowledgement ng Abstract hi LIST OF APPENDIXS ep LIST OF FIGURES LIST OF TABLES w n Chapter lo 1.1 ad INTRODUCTION 1.2 Research problems 12 1.3 Research Objective 13 1.4 Research Hypothesis 14 1.5 Thesis structure 14 ju y th Research background yi pl ua al n Chapter 16 va LITERATURE REVIEWS 16 n Retail banking service recovery 16 2.2 Perceived justice with service recovery 17 2.3 Emotions 18 2.4 Post- recovery satisfaction 20 2.5 Model and Hypothesis 21 2.6 Summary 23 ll fu 2.1 oi m at nh z z vb ht Chapter 24 jm RESEARCH METHODOLOGY 24 Research design process 24 3.2 Sample size 25 3.3 Data Collection 25 3.4 Pilot study 26 3.5 Main study 26 3.6 Data collection 27 3.7 Items measurement for service recovery and post-recovery satisfaction 28 3.8 Methodology of data analysis 29 3.9 Summary 30 k 3.1 om l.c gm n a Lu th Data analysis methods 31 y 4.1 te re DATA ANALYSIS 31 n va Chapter 31 t to ng hi ep 4.2 Means and standard deviations of variables: 31 4.3 Research sample characteristics 33 4.4 Cronbach’s alpha coefficient of reliability test: 35 4.5 Exploratory Factor Analysis (EFA) 38 4.6 Multiple regression analysis for common model 41 Hypothesis testing result 48 w Summary of findings 51 4.7 n 4.8 lo Chapter 53 ad y th CONCLUSIONS AND SUGGESTIONS 53 Conclusions 53 5.2 Managerial implications 54 5.3 Research limitation and future research directions 55 ju 5.1 yi pl al n ua References 56 n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th LIST OF APPENDIXS t to Appendix 1: Questionnaire _English version .61 ng hi Appendix 2: Questionnaire - Vietnamese version 64 ep Appendix3: First time running – Eigen values 67 w n Appendix 4: First time running – Factor loading 68 lo ad Appendix 5: Second time running – Eigen values 69 y th Appendix 6: Second time running – factor loading 70 ju yi Appendix 7: Third time running – Eigen values 71 pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th LIST OF FIGURES t to Figure The proportions of commercial banks over years in Vietnam 10 ng hi Figure2.1 The research model 22 ep Figure 3.1 Research process .25 w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th LIST OF TABLES t to Table 3.7.1 – Measurement items of Perceived Justice 28 ng hi Table 3.7.2 – Measurement items of Emotions & post recovery satisfaction 29 ep Table 4.1: Means & standard deviations of variables 32 w n Table 4.3.1: Demographic characteristics of sample 34 lo ad Table 4.4.1: Cronbach’s alpha coefficients for each measurement scale 36 y th Table 4.4.2: Final results of reliability test 37 ju yi Table 4.5.1–The result of KMO and Bartlett’s Test conducting EFA 39 pl ua al Table 4.5.2–Total variance explained conducting EFA 39 n Table 4.5.3 - Exploratory Factor Analysis (EFA) .40 va n Table 4.6.1.1–Model Summary 42 ll fu oi m Table 4.6.1.2–ANOVA .42 at nh Table 4.6.1.3–Coefficients of multiple linear regression analysis 42 z Table 4.6.2.1–Model Summary 43 z ht vb Table 4.6.2.2–ANOVA .43 k jm Table 4.6.2.3–Coefficients of multiple linear regression analysis 44 gm Table 4.6.3.1–Model Summary 44 om l.c Table 4.6.3.2–ANOVA .45 Table 4.6.3.3–Coefficients of multiple linear regression analysis 45 a Lu Table 4.6.4.1–Model Summary 46 n n va Table 4.6.4.2–ANOVA .46 th Table 4.6.5.2–ANOVA .47 y Table 4.6.5.1–Model Summary 47 te re Table 4.6.4.3–Coefficients of multiple linear regression analysis 46 Table 4.6.5.3–Coefficients of multiple linear regression analysis 48 t to Table 4.7.1–Coefficients of multiple linear regression analysis 51 ng hi ep w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th Davis, S.M., (2000), Brand Asset Management: Driving Profitability through your brands, San t to Francisco: Jossey-Bass ng hi DeWitt, T., & Brady, M K (2003) Rethinking Service Recovery Strategies, Journal of Service ep Research, (2), 193-207 w n Doyle, P., (1998), Marketing Management and Strategy, 2nd ed., London: Prentice Hall lo ad Ennew, C and Schoefer, K (2003) Service Failure and Service Recovery in Tourism: A y th Review Retrieved March 1, 2007, fromhttp://www.nottingham.ac.uk/ttri/pdf/2003_6.pdf ju yi Erevelles, S (1998) The Role of Affect in Marketing Journal of Business Research, 42, 199- pl ua al 215 n Fornell, C and Wernerfelt, B (1987) Defensive marketing strategy by customer complaint va n management: A theoretical analysis Journal of Marketing Research, 24(November), ll fu oi m 337–346 at nh Hussey J and Hussey R (1997), Business Research Method, McMillan Press Ltd z Jabnoun N and Al-Tamini A.H., 2002 Measuring Perceived Service Quality at UAE z vb jm ht Comercial Banks, International Journal of Quality and Reliability Management, 20(4), 458-472 k gm Johnston, R (1998), The effect of intensity of dissatisfaction on complaining behaviour, Journal l.c of Consumer Satisfaction, Dissatisfaction and Complaining Behaviour, Vol 11,pp 69- om a Lu 77 n Johnston, R (1995), The zone of tolerance: exploring the relationship between service y te re Industry Management, Vol No 2, pp 46-61 n va transactions and satisfaction with the overall service, International Journal of Service th 57 Karatepe, O.M and Ekiz, E.H (2004), The effects of organizational responses to complaints on t to satisfaction and loyalty: a study of hotel guests in Northern Cyprus, Managing ng hi ServiceQuality, Vol 14 No 6, pp 476-86 ep Keaveney, S (1995) Customer switching behavior in service industries: An exploratory study w n Journal of Marketing, 59(2), 71–82 lo ad Kotler,P.H., (1994), Marketing Management: An Asian Perspective, NJ: Prentice Hall y th Schoefer, K., & Ennew, C (2005) The impact of perceived justice on consumer emotional ju yi responses to service complaints experiences Journal of Services Marketing, 19(5), 261- pl ua al 270 n Sheppard A (1994), Adding brand value, London: Macmillan/ Interbrand Group va n Smith, A K and Bolton, R N (1998) An experimental investigation of customer reactions to ll fu at nh 1(1), 5–17 oi m service failure and recovery encounters: Paradox or peril Journal of Service Research, Mattila, A S (2001) The effectiveness of service recovery in a multi-industry setting Journal z z ht vb of Services Marketing, 15(7), 583-596 k jm Maxham, J G., III, & Netemeyer, R G (2002) Modeling customer perceptions of complaint gm handling over time: the effects of perceived justice on satisfaction and intent Journal of om l.c Retailing, 78(4), 239-252 McCollough, M.A., Berry, L.L and Yadav, M.S (2000), An empirical investigation of customer a Lu satisfaction after service failure and recovery, Journal of Service Research, Vol No n n va 2,pp 121-37 th 58 y empirical investigation Journal of Operations Management, 18(4), 387-400 te re Miller, J L., Craighead, C W., & Karwan, K R (2000) Service recovery: a framework and Laros, F J M., & Steenkamp, J B E M (2005) Emotions in consumer behavior: a t to 
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A cognitive-emotive at nh Stephens, N and Gwinner, K.P (1998), oi m Tho,Nguyen Dinh.(2011) Research method in business, Labour and Society Publisher process model of consumer complaint behaviour, Journal of the Academy of Marketing z z ht vb Science, Vol 36 No 3, pp 172-89.Estelami, H (2000), Competitive and procedural gm Service Research, Vol No 3, pp 285-300 k jm determinants of delight and disappointment on consumer complaint outcomes, Journal of om l.c Sheth, J.N., Sisodia, R.S and Sharma, A (2000), The antecedents and consequences of customer-centric marketing, Journal of the Academy of Marketing Science, Vol 28 No a Lu 1,pp 55-66 n n va Silverman D.(1994), Interpreting qualitative data Methods for analysing talk, text and y te re interaction, London: Sage th 59 Watson, D., Clark, L A., & Tellegen, A (1988) Development and validation of brief measures t to of positive and negative affect: the PANAS scales Journal of Personality and Social ng hi Psychology, 54 (6), 1063–1070 ep William, S (1999) The effects of distributive and procedural justice on performance Journal of w n Psychology Interdisciplinary and Applied, 133(2), 183-194 lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th 60 Appendix 1: Questionnaire _English version: t to QUESTIONNAIRE ng hi ep Dear Sir/Madam, I’m Pham Thi Hanh Huong, student of International School of Business, University of Economics HCM city w This questionnaire is designed to measure customer perceptions after service recovery in Vietnam banking industry The result of this survey will be strictly confidential and used for academic purpose only n lo ad This questionnaire should take only 10-15 minutes to complete Many thanks for your corporation ju y th Sincerely yours, yi pl Part 1: General information Which bank have you used most often in the past months? (Please tick only one bank which you have mainly used)  Vietcombank  BIDV  ACB bank  Sacombank MB bank What kind of service errors have you deal in this bank? n ua al n va ll fu oi m  Error when you provide wrong information when you are working directly at the transaction counters (wrong name, address, ID card, account number,…)  Failed ATM transactions  Failed ATM transactions through internet banking services/ mobile banking/ SMS banking  Error due to data processing system of bank  Error others, please specify… How long have you used this bank service?  Less than year  to years  More than years at nh z z k jm ht vb gm om l.c Part 2: Perception of service performance level (Directions: The following set of statements is related to your feelings about banks For each statement, please show the extent to which you believe bank has the feature described by the statement Ticking (5) means that you strongly agree that the bank has that feature and ticking (1) means that you strongly disagree You may tick any of the numbers in the middle that show how strong your feelings are There is no right or wrong answer but please indicate a number that best shows your perceptions about bank service) n a Lu n va A little bit disagree Neutral A little bit agree Agree y Disagree te re th This part is to understand the level of customers' perception of service performance level What you think about the description below? Considering the trouble caused and the time lost, the 61 compensation I received from this service recovery banking was acceptable t to This bank took good compensation measures to solve the problem ng hi ep This bank 's efforts were sufficient to offer a satisfactory compensation I think this bank was quite fair when compensating me for the problem that occurred w n In general, this bank was able to compensate me adequately to solve the problems it had in the delivery of the service lo ad I think my problem was resolved in the right way y th ju I think this bank has good policies and practices for dealing with problems yi Despite the trouble caused by the problem, this bank was able to respond adequately pl ua al This bank proved flexible in solving the problem n 10 This bank tried to solve the problem as quickly as possible va n 11.The employees in this bank showed interest in my problem fu ll 12 The employees in this bank did everything possible to solve my problem oi m nh 13 The employees in this bank proved able and to have enough authority to solve the problem at 14 The employees in this bank showed interest in being fair when solving the problem z z 15 The treatment and communication with employees of this bank to solve the problem were acceptable jm ht vb k Part 3: Rating emotions & post recovery satisfaction (Please tick the level of agreement on each of the questions below based on your own experience about your bank.) A little Neutral bit disagree A little Agree bit agree om a Lu l.c n 16 I feel happy after service recovery encounters of this bank gm This part is to understand the level of customer Disagre satisfaction after service recovery in banking e What you think about the description below va n 17 I have a warm feeling after service recovery encounters of this bank te re y 18 I am being valued after service recovery encounters of this bank th 19 I feel angry after service recovery encounters of this bank 20 I am in a bad mood after service recovery 62 encounters of this bank t to 21 I feel upset after service recovery encounters of this bank ng hi 22 Overall, I felt that this service recovery encounters would have been good ep 23 Overall, I was satisfied with the way this complaint was resolved w 24 Overall, I was pleased with the service recovery encounters I experienced n lo Part 4: Personal informations Gender:  Male ad y th  Female ju Your age category:  From 26 to 35  Over 46 yi  From 18 to 25  From 35 to 45 pl al n ua Marital status:  Married  Single  Others Which of the following describes your current qualification?  High school  University/College degree  Master degree Others Your average incomes: n va ll fu oi at nh  Below millions dong  From to 10 million dong  From 11 to 20 million dong m z z  Over 20 millions dong ht vb k jm ***The end*** Thank you very much for your time and effort to complete this questionnaire om l.c gm n a Lu n va y te re th 63 Appendix 2: Questionnaire - Vietnamese version t to BẢNG CÂU HỎI ng hi ep Xin chào Anh/ Chị, Tôi Phạm Thị Hạnh Hương, học viên cao học Viện Đào Tạo Quốc Tế - Trường Đại Học Kinh tế TP HCM Bảng câu hỏi thiết kế để đo lường hài lòng khách hàng sau lỗi dịch vụ khắc phục ngành ngân hàng bán lẻ Việt am Mọi ý kiến đóng góp anh chị bảo mật dùng với mục đ ch phục vụ nghiên cứu theo đề tài nêu Anh chị vui lòng dành -10 phút để hồn thành.Tơi xin chân thành cảm ơn w n lo ad y th ju Phần 1: Thông tin chung 45 Tên ngân hàng mà bạn giao dịch tháng gần gì?(Chỉ chọn ngân hàng mà bạn giao dịch chủ yếu)  Vietcombank  BIDV  ACB bank  Sacombank  MB Bank 46 Khi giao dịch với ngân hàng X (Ngân hàng bạn chọn câu trên), lỗi dịch vụ mà bạn thường gặp phải đây? Lỗi bạn khai sai thông tin làm việc trực tiếp quầy giao dịch (sai tên, địa chỉ, CMND, số tài khoản,….) Lỗi giao dịch qua ATM  Lỗi giao dịch qua dịch vụ Internet banking/ Mobile banking/SMS banking Lỗi hệ thống xử lý liệu ngân hàng Lỗi khác, vui lòng nêu rõ 47 Bạn sử dụng dịch vụ ngân hàng bao lâu?  Dưới năm  Từ đến năm  Trên năm Phần 2: Đo lường chất lượng dịch vụ ngân hàng sau khắc phục lỗi dịch vụ Anh/ Chị vui lòng khoanh tròn để lựa chọn mức độ đánh giá anh/ chị theo quy ước: (1) Không đồng ý (2) Hơi không đồng ý ( ) Khơng có ý kiến (4) Hơi đồng ý ( ) Đồng ý Sẽ khơng có câu trả lời sai xin vui lòng chọn số để trả lời nhằm thể cảm nhận bạn dịch vụ ngân hàng mà bạn chọn phần – Thông tin chung (tạm gọi Ngân hàng X) yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm Hơi đồng ý Đồng ý n Khơng có ý kiến va y te re th 64 Hơi không đồng ý n Cân nhắc vấn đề xảy thời gian mất, bồi thường nhận từ sau ngân hàng X họ khắc phục lỗi dịch vụ chấp nhận Ngân hàng X có biện pháp bồi thường tốt để giải Không đồng ý a Lu Phần câu hỏi tạo để biết mức độ hài lòng khách hàng sau lỗi dịch vụ khắc phục ngân hàng X Bạn nghĩ mơ tả đây? t to ng hi ep vấn đề Những nỗ lực ngân hàng X đủ để cung cấp bồi thường thỏa đáng cho Tôi nghĩ ngân hàng X công giải vấn đề xảy Nói chung, ngân hàng X bù đắp cho tơi đầy đủ để giải vấn đề cam kết có việc cung cấp dịch vụ trước Tơi nghĩ vấn đề giải cách đắn Tôi nghĩ ngân hàng X có sách thực hành tốt để đối phó với cáclỗi dịch vụ gặp phải Mặc dù gây rắc rối ngân hàng X có phản hồi hợp lý Ngân hàng X chứng minh linh hoạt giải lỗi dịch vụ 10 gân hàng cố gắng giải vấn đề lỗi nhanh 11 Nhân viên ngân hàng cố gắng để giải lỗi dịch vụ nhanh tốt 12 Các nhân viên ngân hàng X làm thứ tốt để giải vấn đềlỗi dịch vụ gặp phải 13 Các nhân viên ngân hàng X cư xử lịch giải vấn đề 14 Các nhân viên ngân hàng cho thấy họ quan tâm đến công giải vấn đề lỗi dịch vụ khách hàng 15 Cách thức lối giao tiếp nhân viên ngân hàng để giải vấn đề chấp nhận w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z jm ht vb k Phần 3: Đo lường cảm xúc & hài lòng khách hàng sau khắc phục lỗi dịch vụ (Vui lòng đánh dấu mức độ đồng ý câu trả lời dựa cảm nhận bạn sau ngân hàng khắc phục lỗi dịch vụ) Hơi khơng đồng ý Khơng có ý kiến Hơi đồng ý om Đồng ý a Lu n n va y te re th 65 l.c gm Phần để hiểu mức độ hài lịng khách hàng Khơng sau ngân hàng khắc phục lỗi dịch vụ Bạn nghĩ đồng ý mô tả 16 Tôi cảm thấy vui vẻ sau ngân hàng khắc phục lỗi dịch vụ 17 Tơi có cảm giác ấm áp sau lội dịch vụ khắc phục 18 Tôi tôn trọng sau ngân hàng khắc phục lỗi dịch vụ 19 Tôi cảm thấy tức giận sau ngân hàng khắc phục lỗi dịch vụ 20 Tôi trạng thái tồi tệ sau ngân hàng t to ng hi ep khắc phục lỗi 21 Tôi cảm thấy buồn bực sau ngân hàng khắc phục lỗi dịch vụ 20 Nói chung, cảm thấy việc khắc phục lỗi dịch vụ cho khách hàng thoả đáng 21 Nói chung, tơi hài lịng với cách giải lỗi 22 Nói chung, tơi hài lịng sau lỗi dịch vụ khắc phục ngân hàng w n lo Phần 4:Thông tin cá nhân Giới t nh:  Nam  Nữ Độ tuổi bạn  Từ 18 - 25  Từ 26 – 35  Từ 35 - 45  Trên 46 tuổi Tình trạng nhân  Có gia đình  Độc thân  Khác Trình độ học vấn  Học sinh cấp  Sinh viên Trung Cấp, Cao Đẳng, Đại Học Sau đại học Khác Thu nhập bình quân (triệu đồng/tháng)  Dưới  Từ – 10  Từ 11 – 20  Trên 20 ad ju y th yi pl n ua al n va ll fu oi m at nh ***Kết Thúc*** Xin chân thành cảm ơn bạn dành thời gian thực trả lời câu hỏi z z k jm ht vb om l.c gm n a Lu n va y te re th 66 Appendix3: First time running – Eigen values t to Total Variance Explained ng hi Rotation Sums of Squared ep Initial Eigenvalues Cumulative Total % of Variance w Component Extraction Sums of Squared Loadings Loadings % of % Total Variance Cumulative % Total % of Cumulative Variance % n 6.853 2.638 2.117 1.865 1.659 7.212 1.223 5.316 921 4.004 829 3.606 78.717 668 2.905 81.622 10 597 2.596 84.217 11 484 2.105 86.322 12 462 2.008 88.331 13 412 1.790 90.121 14 378 1.642 91.762 15 344 1.495 93.257 16 297 1.293 94.550 17 287 1.250 95.800 18 253 1.102 96.901 19 203 882 97.783 20 185 804 98.588 21 163 711 99.299 22 085 368 99.667 23 077 333 100.000 lo ad 29.795 6.853 29.795 29.795 3.279 14.259 14.259 11.470 41.265 2.638 11.470 41.265 3.060 13.305 27.564 50.469 2.117 9.204 50.469 2.856 12.418 39.982 58.578 1.865 8.109 58.578 2.466 10.721 50.702 65.790 1.659 7.212 65.790 2.426 10.548 61.251 71.107 1.223 5.316 71.107 2.267 9.856 71.107 y th 29.795 9.204 ju 8.109 yi pl ua al 75.111 n n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu va n Extraction Method: Principal Component Analysis y te re th 67 Appendix 4: First time running – Factor loading t to Rotated Component Matrix a ng Component hi 864 ep DJ1 858 DJ5 w 379 787 yi 777 pl PJ2 666 ju PJ5 374 y th PJ3 701 ad DJ4 764 lo DJ3 n DJ2 723 al 708 PJ4 705 va 803 n IJ2 n ua PJ1 fu 800 IJ1 793 IJ4 731 ll IJ5 oi m PRS2 746 vb 831 z PRS1 z 869 at nh PRS3 879 NE2 868 NE1 864 k jm ht NE3 PE2 776 PE3 764 om 807 l.c gm PE1 a Lu Extraction Method: Principal Component Analysis n Rotation Method: Varimax with Kaiser Normalization va a Rotation converged in iterations n y te re th 68 Appendix 5: Second time running – Eigen values t to Total Variance Explained ng Extraction Sums of Squared hi ep Initial Eigenvalues Loadings Total w t Componen % of Variance Cumulative % Total Rotation Sums of Squared Loadings % of Cumulative Variance % Cumulative Total % of Variance % n 6.461 29.367 29.367 6.461 29.367 29.367 3.022 13.738 13.738 ad 11.720 41.087 2.578 11.720 41.087 2.880 13.093 26.831 2.104 9.566 50.653 2.104 9.566 50.653 2.792 12.690 39.521 1.862 8.466 59.118 1.862 8.466 59.118 2.429 11.041 50.562 1.624 7.382 66.500 1.624 7.382 66.500 2.383 10.831 61.393 1.157 5.257 71.758 1.157 5.257 71.758 2.280 10.364 71.758 835 3.794 668 3.037 va 634 2.882 81.471 10 558 2.538 84.008 11 483 2.197 86.205 12 452 2.056 88.261 13 408 1.855 90.117 14 371 1.687 91.804 15 342 1.557 93.360 16 295 1.341 94.701 17 286 1.298 96.000 18 253 1.152 97.151 19 202 917 98.069 20 185 840 98.908 21 160 730 99.638 22 080 362 100.000 lo 2.578 ju y th yi pl n ua al 75.552 78.589 n ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va Extraction Method: Principal Component Analysis y te re th 69 Appendix 6: Second time running – factor loading t to Rotated Component Matrix a ng hi Component ep PJ3 712 712 706 ju yi 922 913 pl DJ5 y th DJ1 ad PJ1 lo PJ4 785 n PJ2 789 w PJ5 al 794 DJ3 552 ua DJ2 va 808 n 802 IJ4 738 oi 801 m IJ5 ll fu IJ1 n IJ2 369 NE2 874 NE1 861 z 880 at nh NE3 z vb 877 PRS1 839 PRS2 761 k jm ht PRS3 PE2 815 PE3 784 a Lu Extraction Method: Principal Component Analysis om 824 l.c gm PE1 Rotation Method: Varimax with Kaiser Normalization n n va a Rotation converged in iterations y te re th 70 Appendix 7: Third time running – Eigen values t to Total Variance Explained ng Initial Eigenvalues Extraction Sums of Squared Loadings Rotation Sums of Squared Loadings hi ep Compone % of Total nt Total % of Variance Cumulative % Total Variance % 29.198 6.132 29.198 29.198 3.005 14.311 14.311 2.532 12.057 41.255 2.532 12.057 41.255 2.772 13.201 27.511 9.980 51.235 2.096 9.980 51.235 2.571 12.245 39.756 1.854 8.829 60.065 1.854 8.829 60.065 2.427 11.557 51.313 1.604 7.636 67.701 1.604 7.636 67.701 2.292 10.913 62.226 1.128 5.371 73.071 1.128 5.371 73.071 2.277 10.845 73.071 831 3.959 668 3.180 614 2.923 83.133 10 486 2.314 85.447 11 459 2.185 87.632 12 410 1.951 89.584 13 376 1.793 91.376 14 344 1.639 93.015 15 296 1.411 94.426 16 288 1.371 95.797 17 254 1.208 97.004 18 202 961 97.966 19 186 887 98.853 20 161 767 99.620 21 080 380 100.000 n 29.198 lo 6.132 Cumulative % Cumulative ad w Variance % of 2.096 ju y th yi pl ua al 77.030 n 80.210 n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu Extraction Method: Principal Component Analysis n va y te re th 71