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首页> 外文期刊>International Journal of Business and Management >Consumption Model of Financial Products among Minangkabau & Chinese in Bank Nagari, Sumatra
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Consumption Model of Financial Products among Minangkabau & Chinese in Bank Nagari, Sumatra

机译：苏门答腊那加里银行Minangkabau和中国人中的金融产品消费模型

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The purpose of the present study are first to analyze the differences in customer product preferences between Minangkabau and Chinese customers of Bank Nagari. Second, to determine factors affecting the use of Bank Nagari products among Minangkabau and Chinese customers. Third, to determine the Minangkabau and Chinese consumption models. The sample size amount 216 customers consisted of Minangkabau would amount to 162 persons and Chinese would amount to 54 persons. Systematic sampling is applied in this study as it often yields sampling error which is smaller. Data analysis technique is use consisted of factor analysis and logistic regression. The result of logistics regression test for credit and saving products show partial significance at probability level of .050 and result of Hosmer and Lemershow Goodnes-of-Fit test show total significance at .050. Test result of ANOVA indicates that there is ethnic difference in the consumption of financial products. Cultural factor, saving and credit perception very much determine the consumption of ethnic Minangkabau and Chinese.
机译：本研究的目的是首先分析Minangkabau和Nagari银行的中国客户在客户产品偏好方面的差异。第二，确定影响Minangkabau和中国客户使用Bank Nagari产品的因素。第三，确定Minangkabau和中国的消费模式。包括Minangkabau在内的216位客户的样本量为162人，而中国人为54人。由于本研究通常会产生较小的采样误差，因此在本研究中应用了系统采样。数据分析技术由因子分析和逻辑回归组成。信贷和储蓄产品的物流回归测试的结果在.050的概率水平上显示出部分显着性，而Hosmer和Lemershow Goodnes-Fit检验的结果在.050上显示出整体显着性。方差分析的测试结果表明，金融产品的消费存在种族差异。文化因素，储蓄和信用观念在很大程度上决定了Minangkabau和中国人的消费。

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