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DATA ANALYSIS AND INTREPRETATION

In order to fulfil the said objective and to find the relationship between different dependent
and independent variables Linear and Multiple Regression were done using SPSS software
through which different factors were identified to know if the variable might or might not
influences the decision making of home loan borrowers.

1. Association Between Education qualification and Decision making of Home Loan


borrowers.

Model Summary

Std. Error
Mode Adjusted of the
l R R Square R Square Estimate
1 .296(a) .088 .028 .750

ANOVA(b)

Mode Sum of Mean


l Squares df Square F Sig.
1 Regressio
4.974 6 .829 1.475 .195(a)
n
Residual 51.713 92 .562
Total 56.687 98

Coefficients(a)

M
o
d
e Unstandardized Standardized 95% Confidence
l Coefficients Coefficients t Sig. Interval for B
Std. Lower Upper Std.
B Error Beta Bound Bound B Error
1 (Constant) 3.543 .685 5.172 .000 2.182 4.903
Rate_of_Intrest -.282 .177 -.186 -1.591 .115 -.633 .070
Easy_and_fast_docu
.405 .188 .252 2.148 .034 .030 .779
mentation_process
Processingf_fee -.317 .228 -.182 -1.394 .167 -.769 .135
Additional_charges .281 .332 .107 .847 .399 -.378 .940
Promptness_of_EMI
-.019 .229 -.010 -.083 .934 -.474 .436
_payment
Tenure_of_Home_lo
-.255 .299 -.092 -.851 .397 -.849 .340
an
Interpretation:

Hn : There is an significant relationship between Education qualification and Decision making


of home loan borrowers.
Ha: There is no significant relationship between Education qualification and Decision making
of home loan borrowers.

A multiple linear regression was calculated to predict to decision making of home loan
borrowers based their education qualification and rate of interest, easy and fast
documentation process, processing fee, additional charges, promptness of EMI payment and
Tenure of Home Loan.

A significant Regression Equation was found (F (6, 92) =1.475, p<.195(a) with R2 of 0.88

It was predicted that Education Qualification is equal to 3.543- 2.55-.019+.281-.317+.405-


.282

From the above table we can understand that the coefficient of determination value of 0.88
directs that factors influencing decision of home loan borrowers can be explained by the six
independent variables.

Rate of Interest – For every unit -.282 units increase in Education Qualification there will be -
.28 units decrease in the Rate of interest.

Easy and fast Documentation process-The coefficient for Easy and fast Documentation
process is .405units. So, for every unit increase in Easy and fast documentation process, a
.41 unit decrease in Education qualification is predicted.

Processing Fee- For every -.317 unit increase in Education Qualification there will be -.32
decreases in Education Qualification.

Additional Charges- For every .281unit increase in Education Qualification there will be .28
units increase in Education Qualification.

Promptness of EMI Payment- The coefficient for Promptness of EMI payment is -.019 units,
which means for every unit increase in promptness of EMI payment there will be .02 units
decrease in education qualification.

There is only one variable that does not fit which fit well to the model to the model that is
Easy and fast Documentation process which has significance value less than 0.05 thus, null
hypothesis for the this independent variable will be rejected.

We failed to reject the null hypothesis for Rate of Interest, Processing Fee, Additional
Charges and Promptness of EMI Payment as they have their p values is more than 0.05.

As there are many variables which has significance value more than 0.05 therefore we failed
to accept the null hypothesis.
2. Association Between Income and Banking Services Provided by the Bank

Model Summary

Std. Error
Adjusted of the
Model R R Square R Square Estimate
1 .547(a) .300 .270 1.178

ANOVA(b)

Sum of Mean
Model Squares df Square F Sig.
1 Regressio
56.388 4 14.097 10.161 .000(a)
n
Residual 131.802 95 1.387
Total 188.190 99

Coefficients(a)

M
o
d
e Unstandardized Standardized 95% Confidence
l Coefficients Coefficients t Sig. Interval for B
Std. Lower Upper
B Error Beta Bound Bound B Std. Error
1 (Constant) 7.509 .878 8.550 .000 5.766 9.253
Banks_Reputation -.127 .261 -.045 -.486 .628 -.646 .392
Employees_Services .036 .273 .012 .131 .896 -.506 .577
Marketing_Method -
.312 -.352 -4.032 .000 -1.878 -.639
1.258
Quick_solutions_to_p -
.314 -.410 -4.658 .000 -2.087 -.840
roblems 1.463

In order to determine the relationship between the four independent variable and Income of
home loan borrowers was explored by performing a multiple regression analysis. The second
analysis was done between the Income of home loan borrower and the services provided by
the bank. For determining the relationship between the four independent variable and Income
of home loan borrowers was done by performing a multiple regression analysis.

Hn : There is an significant relationship between Income and Services provided by the bank.
Ha: There is no significant relationship between Income and Services provided by the bank.
Interpretation:

A multiple linear regression was calculated to predict to decision making of home loan
borrowers based their Income and Banks Reputation, Employee Services, Marketing Method
and Quick Solutions to problems.

A significant Regression Equation was found (F (4, 95) =10.161, p<.000(a) with R2 of 0.300

It was predicted that Income is equal to 7.509+1.463-1.258-.036-.127

From the above table we can say that the coefficient of determination value of 0.300 shows
that factors influencing decision of home loan borrowers towards services provided by the
bank and their income can be explained by the four independent variables.

Banks Reputation- For every -.127 units increase in Banks Reputation there will be .13 units
decrease in the Income of the home loan borrower.

Employee Services- For every 0.36 units increase in the Employee Services there will be .04
increase in the Income.

Marketing Methods- The above table shows that if there is 1.258 units increase in Marketing
method the there will be 1.26 units increase in the Income.

Quick Solution to Problems- From the above table it can be interpreted that a 1.463 unit
increase in Quick solutions to problems there will be 1.47 units increase in Income.

There are two variables which fit well in this model are Employee Services and Banks
Reputation as their p values are more than 0.05. Thus, we failed to reject the null hypothesis
that is for Employee Services and Banks Reputation as they have their p values are more than
0.05.
3. Association Between Gender and Source of Information Considered

Model Summary

Std. Error
Mode Adjusted of the
l R R Square R Square Estimate
1 .396(a) .157 .083 .462

ANOVA(b)

Mode Sum of Mean


l Squares df Square F Sig.
1 Regressio
3.612 8 .451 2.115 .042(a)
n
Residual 19.428 91 .213
Total 23.040 99

Coefficients(a)

M
o
d
e Unstandardized Standardized 95% Confidence
l Coefficients Coefficients t Sig. Interval for B
Std. Lower Upper Std.
B Error Beta Bound Bound B Error
1 (Constant) .753 .626 1.202 .232 -.491 1.997
Television -.008 .148 -.006 -.056 .955 -.302 .285
Newspaper .158 .163 .123 .970 .334 -.165 .481
Relatives_and_Frien
.250 .110 .256 2.280 .025 .032 .468
ds
Magzines -.096 .175 -.067 -.546 .586 -.443 .252
Sales_Team .286 .124 .234 2.311 .023 .040 .532
Trade_Fair .116 .224 .053 .517 .607 -.329 .561
Family -.312 .128 -.278 -2.449 .016 -.566 -.059
Internet -.041 .188 -.023 -.220 .826 -.415 .333

A multiple linear regression analysis was performed to predict to decision making of home
loan borrowers based their Gender and source of information they preferred the most which
included Television, Newspaper, Relatives and Friends, Magazines, Sales Team, Trade Fair,
Family and Internet.

Hn : There is an significant relationship between Gender and Source of Information


Considered.
Ha: There is no significant relationship between Gender and Source of Information
Considered.
Interpretation:

A significant Regression Equation was found (F (8, 91) =2.115, p<.042(a) with R2 of 0.157

It was predicted that Income is equal to .753-.041-.312+.116+.286-.096+.250+.158-


.008+.753

Television- The table showed that for an -.008 unit increase in television there will be .01 unit
decrease in the Gender variable.

Newspaper- -When there are .158 units increase in the Newspaper there will be .16 units
Increase in gender variable.

Relatives and friends- For .250 units increase of Relatives and friends’ variable there will be
.25 units increase in gender is predicted.

Magazines- -It is predicted that on a .096 units increase in Magazines there will be .1 unit
increases in Gender.

Sales Team- On a .286 units increase in Sales Team a .29 unit increase effect on Gender is
predicted.

Trade Fair- The coefficient table has predicted that with a .116 unit increase in Trade Fair a
.12 unit increase in gender is predicted.

Family- It has been predicted according to the table that with a -.312 unit increase in Family
there will be .31unit decrease in the gender variable.

Internet- The impact of increase in .041 unit it is predicted that there will be .04 unit decrease
in the gender variable.

There are five variables that fits well in this model are Television, Internet, Trade Fair,
Magazines and Newspaper as their values p values are more than 0.05.thus, we failed to
reject the null hypothesis for Television, Internet, Trade Fair, Magazines and Newspaper as
they have their p values are more than 0.05.
4. Association Between Gender and Knowing Someone Personally For Making Home
Loan Decision.

Model Summary

Std. Error
Mode Adjusted of the
l R R Square R Square Estimate
1 .212(a) .045 .035 .474

ANOVA(b)

Mode Sum of Mean


l Squares df Square F Sig.
1 Regressio
1.036 1 1.036 4.614 .034(a)
n
Residual 22.004 98 .225
Total 23.040 99

Coefficients(a)

M
o
d
e Unstandardized Standardized 95% Confidence
l Coefficients Coefficients t Sig. Interval for B
Std. Lower Upper Std.
B Error Beta Bound Bound B Error
1 (Constant) 1.35
1.060 .147 7.193 .000 .768
3
Knowing_someone_pe
.204 .095 .212 2.148 .034 .016 .392
rsonally_is_necessary

The last analysis was done to know if there is a relationship between gender and their
perception about knowing someone personally for making decision related to home loan, a
linear regression was performed to predict to decision making.

Hn : There is an significant relationship between Gender and Knowing someone personally


before making home loan decisions.
Ha: There is no significant relationship between Gender and Knowing someone personally
before making home loan decisions.

Interpretation:

A significant Regression Equation was found (F (1, 98) =4.614, p<..034(a) with R2 of 0.45

It was predicted that Education Qualification is equal to 1.060+.204


For a .204 unit increase in knowing someone personally for making home loan decisions is
predicted that it will result in .20 units increase in Gender variable. After analysis it was
found that significance value is less than 0.05 that is .034. Thus, we failed to accept the null
hypothesis.

5. Purpose for taking home loan.


Home_loan_should_be_taken_mostly_for

Cumulative
Frequency Percent Valid Percent Percent
Valid Buying a new falt,
apartment or house 39 38.2 39.0 39.0
Buying a house from
another seller 38 37.3 38.0 77.0
Construction of house
on an existing plot 23 22.5 23.0 100.0
Total 100 98.0 100.0
Missing System 2 2.0
Total 102 100.0

Home_loan_should_be_taken_mostly_for
Statistics : Percent
Home _loan_should_be_taken_mostly_for

V al i d Co nstructi on o f h o use o n an exi stin g pl o t

V al i d B u yi n g a ho u se from an o th e r se l l er

V al i d B u yi n g a ne w fa l t, a p artme n t o r ho u se

0 .0 1 0.0 2 0.0 3 0.0

Values
Interpretation:

The analysis on purpose of taking home loan which is meant to know the opinion of home
loan buyers towards home loan and which option they think best about home loan. The
options provided included the following:

1. Home loan should be taken for Construction of house on n existing plot.

2. Home loan should be taken for buying house from another seller.

3. Home loan should be taken for buying a new flat, apartment or house.

The above chart shows the opinion of people towards the purpose of taking loan from banks.
From the above bar chart it can be concluded that most home loan borrowers think that home
loan should me mostly taken for buying a flat, apartment or house and least people think that
loan should be taken for construction of a house on an existing plot.
CONCLUSION
The purpose of the research was to know the relation among different variables. After
analyzing the obtained results it was found that:

1. Among the different options that Rate of Interest, Easy and fast Documentation process,
Processing Fee, Additional Charges and Promptness of EMI Payment. The Education
Qualification showed an impact on them except Easy and fast Documentation process.
Thus, there was an impact of the education qualification of loan borrower in their
decision making.
2. There was no much impact on Income of the home loan borrower and the Services the
home loan borrower expected from the bank.
3. The analysis showed that there was a relationship between the Gender and the Sources of
Information the home loan borrower considered.
4. It was found that many home loan borrowers preferred to buy home loan mostly for either
buying a new flat, apartment or house.

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