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ti tnh hnh chi

tiu ca sinh vin


hin nay
Mn : Kinh T Lng
GV: TH.S Nguyn Trung ng
Nhm Bnh Trng Trn
Nguyn Th Thy Phng
Nguyn Th M Phng
Vy Nht Quyn
Ng Th T Qunh
Trn Anh Ti
Nguyn Uyn Thao
Phan Th Thanh Tho
Phm Th Thng

Mc lc
CHNG 1 L DO CHN TI ............................................................................................ 3
1.1 Mc ch v ngha thc tin ..................................................................................................3
1.2 Phm vi v phng php kho st ...........................................................................................3

CHNG 2 C S L LUN ................................................................................................. 5


2.1 L thuyt v thc tin ..............................................................................................................5
2.1 Xy dng m hnh ...................................................................................................................5
2.2 D bo du .............................................................................................................................6

CHNG 3 THU THP S LIU .............................................................................................. 7


3.1

M hnh ...............................................................................................................................7

3.2 Bin ph thuc, bin c lp v n v tnh ..............................................................................8


3.2

Phm vi thu thp s liu .......................................................................................................8

3.4 B s liu.................................................................................................................................8

CHNG 4 C LNG V KIM NH M HNH ............................................................. 15


4.1

c lng ......................................................................................................................... 15

4.1.1 c lng m hnh hi quy tuyn tnh mu ...........................................................................................15


4.1.2 Kim nh du ..........................................................................................................................................16
4.1.3 ngha h s xc nh m hnh ...............................................................................................................16

4.2 Kim nh m hnh ................................................................................................................ 17


4.2.1 Kim nh m hnh a ra. .................................................................................................................17
4.2.2 Kim nh m hnh mi: ..........................................................................................................................19
4.2.3 La chn m hnh ph hp: ....................................................................................................................22
4.2.4
Tng thu nhp v chi tiu pht sinh c nh hng nh nhau ti tng chi tiu ca sinh vin
khng? 23
4.2.5
M hnh c hin tng a cng tuyn xy ra khng? .....................................................................26
4.2.6
M hnh trn c t tng quan khng? ..........................................................................................28

4.3 Xc nh khong tin cy ca cc h s hi quy tng th (vi tin cy 95%)............................ 29


4.3.1
4.3.2
4.3.3
4.3.4

Xc nh khong tin cy ca
Xc ng khong tin cy ca
Xc nh khong tin cy ca
Xc nh khong tin cy ca

2 .......................................................................................................29
3 ........................................................................................................29
4 .......................................................................................................29
5 .......................................................................................................29

CHNG 5 KT LUN ........................................................................................................ 30

Trang 1

5.1

nh gi m hnh ............................................................................................................... 30

5.2

ngha31

5.3

M rng m hnh ............................................................................................................... 31

Trang 2

CHNG 1
L DO CHN TI

1.1 Mc ch v ngha thc tin

Khi bc chn vo ging ng i hc th cng chnh l lc bn phi t ch v


cuc sng ca mnh. nh du s trng thnh ca bn, mi s u c gii
quyt da vo quyt nh ca bn. c bit l i vi cc bn sinh vin phi sng
xa gia nh th vic c lp trong mi hnh ng v suy ngh l iu d thy nht.
Cuc sng tht khng d dng khi mi vn t vic gii quyt nhu cu n, ung,
nh ca, in, nc cho ti nhng nhu cu c nhn, hc tp, nhu cu x hi, giao
lu, nhu cu xa x,tt c u phi gii quyt trong khi thu nhp hng thng t b
m l mt ngun thu nhp v cng khim tn nu khng ni l t i! Nm bt c
nhng nhu cu cng chnh l lc sinh vin chng ta thc hin chi tiu ca mnh.
Ty vo mi ngi m c nhng nh hng n tiu dng khc nhau, chnh v th
m mc chi tiu cng khc nhau. Vi mong mun c hiu bit nhiu hn v
nhng nhu cu thc tin v tc ng ca chng ti i sng sinh vin nh th no,
nhm la chn ti nghin cu v mc chi tiu ca cc bn sinh vin
trong mt thng ng thi qua mang li cho cc bn sinh vin mt ci nhn
tng quan v chi tiu ca mnh c c nhng k hoch chi tiu ng n v tit
kim hn.

1.2 Phm vi v phng php kho st

Phm vi: nghin cu sinh vin khoa marketing ca trng i hc ti chnh


marketing

Trang 3

Phng php: ti c thc hin thng qua phiu kho st trc tip cho
tng sinh vin do nhm thc hin.
Tng s mu kho st: 150
S mu hp l: 145

Trang 4

CHNG 2
C S L LUN
2.1 L thuyt v thc tin

Xt v mt l thuyt th c nhiu yu t nh hng n mc chi tiu ca sinh


vin nh: thu nhp mi thng t gia nh, nhu cu thit yu ca cuc sng (n
ung, tin nh, tin in), nhu cu hc tp (sch, v, qu lp, on, hi), nhu
cu x hi (tin xng, tin xe, vui chi gii tr,),hoc c nhng nhu cu pht
sinh trong thng nacn nhiu yu t khc na nhng nhm ch tp trung nghin
cu v nh hng ca mt s yu t nh: tng thu nhp, tin tit kim ca sinh
vin, s ln t tp cng bn b.

2.1 Xy dng m hnh

Da theo nhng g m nhm nhn nh, nhm a ra m hnh hi quy tng


th nh sau:
Y=

Ch thch:
X2: tng thu nhp (ngn ng/thng)
X3: tin tit kim ca sinh vin (ngn ng/thng)
X4: s ln t tp cng bn b (t nht l 1 ln, nhiu nht l 31 ln)
X5: chi tiu pht sinh ( ngn ng/thng)

Trang 5

2.2 D bo du

BIN

Tng thu nhp

TN

D BO

BIN

DU

X2

K VNG

Thu nhp cng cao sinh vin


cng chi tiu nhiu hn

Tin tit kim ca

X3

sinh vin
S ln t tp cng

gim bt tin chi tiu trong thng


X4

bn b
Chi tiu pht sinh

Tin tit kim cng nhiu th s

S ln t tp cng nhiu th mc
chi tiu cng nhiu

X5

C nhng vn khng lng


trc cn phi chi tiu. Xy ra
cng nhiu th mc chi tiu
cng ln.

Trang 6

CHNG 3
THU THP S LIU
3.1 M hnh

Vy nn nhm s thc hin kim nh vi m hnh hi quy mu:


Y= +

Ch thch:
X2: tng thu nhp (ngn ng/thng)
X3: tin tit kim ca sinh vin (ngn ng/thng)
X4: s ln t tp cng bn b (t nht l 1 ln, nhiu nht l 31 ln)
X5: chi tiu pht sinh ( ngn ng/thng)
D bo du
BIN

Tng thu nhp

TN

D BO

BIN

DU

X2

K VNG

Thu nhp cng cao sinh vin


cng chi tiu nhiu hn

Tin tit kim ca

X3

sinh vin
S ln t tp cng

gim bt tin chi tiu trong thng


X4

bn b
Chi tiu pht sinh

Tin tit kim cng nhiu th s

S ln t tp cng nhiu th mc
chi tiu cng nhiu

X5

C nhng vn khng lng


trc cn phi chi tiu. Xy ra
cng nhiu th mc chi tiu
cng ln.

Trang 7

3.2 Bin ph thuc, bin c lp v n v tnh


Bin ph thuc l tng chi tiu m sinh vin thng dng trong mt thng (Y), n v tnh
l ngn ng/thng. Bin c lp l bin bao gm: tng thu nhp, tin tit kim ca sinh vin, s
ln t tp cng bn b, chi tiu pht sinh trong thng.

3.2 Phm vi thu thp s liu


ti c thc hin thng qua vic pht phiu kho st, thc hin trn tng i tng
ca sinh vin khoa marketing, trng i hc ti chnh marketing

3.4 B s liu

BNG S LIU QUAN ST


STT
1
2
3
4
5
6
7
8
9
10
11
12

X2

X3

X4

X5

2500

450

20

250

2000

1000

10

200

600

3500

100

25

400

3000

2000

26

500

1500

1500

13

300

1500

2000

11

2000

2700

200

10

400

2000

2000

100

400

1500

2500

200

200

1000

1500

300

1200

2000

2000

2700

100

13

400

2000

Trang 8

13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

2000

11

2000

2500

100

15

200

1500

2000

13

1000

1000

4000

500

30

500

2500

2500

200

13

300

2000

1200

50

12

200

950

2500

16

300

1800

1900

12

350

1400

2000

10

300

1700

3200

200

300

2500

3000

16

500

2000

1000

11

100

900

1700

12

400

1200

2000

13

200

1800

2800

14

300

2500

2000

18

100

1900

3000

19

200

2800

2000

26

1000

1100

500

600

200

3500

1500

1000

1000

2000

12

500

1500

2500

500

500

1500

1700

200

1500

2500

500

2000

3000

500

500

2000

2000

500

1500

Trang 9

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

3300

300

300

2700

2000

200

20

100

1700

3000

23

1000

2000

2000

16

300

1700

1200

19

200

1000

2700

400

300

2000

3000

500

12

500

2000

2500

500

13

2000

1800

2000

10

200

1800

2000

200

1800

2000

500

1500

3000

1000

2000

5000

1000

1000

3000

2000

200

200

1600

2500

13

500

2000

2500

400

15

100

200

3000

16

1000

2000

2500

10

500

2000

2500

450

21

250

2000

1500

24

900

1000

4000

26

1000

3000

2700

11

500

2500

1000

400

500

2000

1000

1000

1500

100

100

400

3300

800

500

2500

Trang
10

65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90

4000

200

3800

5500

400

200

2500

1300

100

700

300

100

12

3000

500

2500

2000

15

500

1500

1500

200

1300

3300

100

1000

2000

2500

15

500

2000

2500

500

2000

3000

1000

2000

5800

1000

12

1000

3000

5100

10

700

1400

2000

2000

3500

500

3000

2000

500

1500

2400

200

500

2000

200

300

1700

2000

11

500

1500

1000

15

500

3000

500

12

400

900

3000

500

16

1000

1500

2000

24

500

1500

2800

300

28

400

2500

2000

13

2000

4000

1000

500

1500

Trang
11

91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116

1500

1000

1000

2000

200

2000

4000

500

16

1000

2000

3000

26

3000

2700

27

900

1800

2500

300

25

1200

1000

3250

500

30

500

2250

2000

12

500

1500

1500

500

1000

1500

300

1200

2000

800

100

1100

2000

500

16

200

1300

2000

200

13

300

1500

4000

12

1000

3000

1900

300

100

1500

2800

300

1000

1500

2500

300

2200

4500

500

12

1000

3000

2000

300

10

200

1500

2000

13

500

1500

3000

16

500

2500

2000

100

10

200

1700

1800

11

300

1500

2800

19

300

2500

3200

700

18

500

2000

3000

13

1500

1500

Trang
12

117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142

500

500

1800

200

500

1000

1700

10

200

900

4500

500

19

2000

1500

300

300

2000

300

400

1300

2000

300

400

1300

3000

1000

20

200

1500

3700

2200

300

1200

3000

1000

2000

1500

11

500

1000

2500

10

200

2000

1500

200

500

1500

500

1200

1000

400

600

3500

1000

11

600

900

4000

2400

16

100

600

2000

500

1500

1000

300

2500

2500

2000

1000

1000

3000

21

1650

1350

1500

11

500

1000

2000

500

1500

1000

100

150

900

3500

25

300

3000

Trang
13

143
144
145

200

30

100

150

2700

200

1500

1000

1500

200

500

800

Ngun: phiu kho st ti trng i hc Ti chnh- Marketing

Trang
14

CHNG 4
C LNG V KIM NH M HNH
4.1 c lng
4.1.1 c lng m hnh hi quy tuyn tnh mu

= +

Tin hnh chy m hnh hi quy trn vi b s liu thu thp c ta c kt qu


hi quy nh sau:

Trang
15

4.1.2 Kim nh du

So snh vi gi thuyt, ta thy du ca cc h s i km vi cc bin tng


i ging vi nhng g ta k vng.

4.1.3 ngha h s xc nh m hnh

: khi cc bin cn li khng thay i, th tng thu nhp

tng (hoc gim) mt n v th tng chi tiu tng (hoc gim)


ln.
=-

: khi cc bin cn li khng thay i, th tin tit kim

ca sinh vin tng (hoc gim) mt n v th tng chi tiu gim (hoc
tng)

ln.

: khi cc bin cn li khng thay i, th s ln t tp

cng bn b tng (hoc gim) mt n v th tng chi tiu tng (hoc


gim)

ln.

TUY NHIN, ta thy theo kt qu hi quy cho thy du ca h s ca X5 l m, cha ng


lm vi nhng g nhm kz vng, nn nhm s tip tc kim nh v m hnh c nhn
nh chnh xc nht.

=-

: khi cc bin cn li khng thay i, th chi tiu pht

sinh tng (hoc gim) mt n v th tng chi tiu gim (hoc tng)
ln.

Trang
16

4.2 Kim nh m hnh


4.2.1 Kim nh m hnh a ra.

Ta c m hnh hi quy nm bin nh trnh by trn:


=

(Kim nh cc gi thuyt vi mc tin cy 95%)


Bi ton 1:
Kim nh s nh hng ca tng thu nhp vo tng chi tiu.?
Ta c bi ton kim nh:
{

Ta dng thng k T

nu H0 ng ta c :

= 16.640528

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c


C

=1.96

So snh T> C nn ta bc b H0
Kt lun: tng thu nhp c nh hng ti mc chi tiu.
Bi ton 2:
Kim nh s nh hng ca tit kim i vi tng chi tiu.
Ta c bi ton kim nh: {
Ta dng thng k T
T

nu Ho ng ta c

= -7.77544852

Vi tin cy l 95% , mc { ngha =5% v n= 145 ta c

Trang
17

=1.96
So snh T> C nn ta bc b H0.
Kt lun: tin tit kim c nh hnng n mc chi tiu ca sinh vin. Tit kim cng
tng th chi tiu cng gim v ngc li tit kim cng gim th lm tng chi tiu cng
tng.

Bi ton 3:
Gi thuyt: S ln t tp cng bn b cng nhiu th sinh vin cng chi
tiu nhiu.
Bi ton kim nh:
{
Ta dng thng k T

nu Ho ng ta c

= 1.7187363

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c


=1.96
So snh T< C nn ta ni: cha iu kin bc b H0
Kt lun: nhnng ln t tp bn b khng nh hng n chi tiu ca sinh
vin
Bi ton 4:
Chi tiu pht sinh thay i s nh hng n chi tiu ca sinh vin.
Bi ton kim nh:
{
Ta dng thng k T
T

nu Ho ng ta c

= -6.837936

Trang
18

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c


=1.96
So snh T> C nn ta bc b H0 .
kt lun l: chi tiu pht sinh thay i s nh hng n tng chi tiu ca
sinh vin
Bi ton 5:
Kim nh m hnh trn c ph hp hay khng?
Ta c bi ton kim nh:
{
Ta dng thng k F

, vi k=5 v n=145 . Nu

Ho ng ta c F=

= 74.643283

Vi mc ngha 5%

, ta c C =

=2.37

Ta thy F> C bc b gi thuyt H0


kt lun: m hnh trn ph hp.

4.2.2 Kim nh m hnh mi:


Tuy m hnh trn ph hp, nhng trong qu trnh kim nh trn nhm xt thy bin s
ln t tp cng bn b khng c nh hng ti tng chi tiu, vy nn, nhom quyt nh tin
thm mt m hnh mi kim nh, xem xt m hnh no l ph hp nht.

M hnh 2:

Tin hnh chy m hnh trn vi s liu thu thp c ta c kt qu hi quy nh sau:

Trang
19

T kt qu hi quy ta c m hnh hi quy mu mi:

(Kim nh cc gi thuyt vi tin cy 95%)


Bi ton 1: kim nh s ph thuc ca tng chi tiu vo tng thu nhp
ta c bi ton kim nh:
{
Ta dng thng k T
T

nu H0 ng ta c :

= 17.0779

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c


C

=1.96

So snh T> C nn ta bc b H0

Trang
20

Kt lun: tng thu nhp c nh hng ti mc chi tiu.


Bi ton 2: kim nh gi thuyt tit kim thay i th tng chi tiu s thay
i
ta c bi ton kim nh:
{
Ta dng thng k T

nu Ho ng ta c

= -8.0390

Vi tin cy l 95% , mc { ngha =5% v n= 145 ta c


=1.96
So snh T> C nn ta bc b H0.
Kt lun: tin tit kim c nh hng n mc chi tiu ca sinh vin. Tit kim cng
tng th chi tiu cng gim v ngc li tit kim cng gim th lm tng chi tiu cng
tng.

Bi ton 3: kim nh gi thuyt chi tiu pht sinh c nh hng n tng


chi tiu.
Bi ton kim nh:
{
Ta dng thng k T
T

nu Ho ng ta c

= - 6.8771

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c


=1.96
So snh T> C nn ta bc b H0 .

Trang
21

kt lun l: chi tiu pht sinh thay i s nh hng n tng chi tiu ca
sinh vin
Bi ton 4: kim nh s ph hp ca m hnh
Ta c bi ton kim nh:
{
Ta dng thng k F

, vi k=4 v n=145 Nu

Ho ng ta c F=

= 97.1930

Vi mc ngha 5%

, ta c C =

=2.37

Ta thy F> C bc b gi thuyt H0


kt lun : m hnh trn ph hp.
4.2.3 La chn m hnh ph hp:
T nhng kim nh trn ta c th thy c hai m hnh u ph hp tuy nhin:

M hnh 1:
thch c
M hnh 2:

tc l m hnh 1 c th gii
68% b s liu
= 0.674048 tc l m hnh 2 c th gii

thch c

b s liu

ng thi cng vi nhiu kim nh khc, nhn thy bin s ln t tp bn b vn c nh


hng n tng chi tiu ca sinh vin, do nhm quyt nh vn gi nguyn m hnh 1. Tc
l m hnh :

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22

4.2.4 Tng thu nhp v chi tiu pht sinh c nh hng nh nhau ti tng chi tiu
ca sinh vin khng?

Ta c ma trn hip phng sai ca cc h s tng qua trong m hnh 5


nh sau:

Ta tin hnh kim nh gi thuyt:


{

Nu H0 ng ta c thng k:

M Se(

) =

()

()

Vi mc ngha 0.05 v N = 145, ta c:

Trang
23

c t1455 t 0140
.05 1.960
V T c nn ta bc b H 0
kt lun: tng thu nhp v chi tiu pht sinh nh hng khc nhau ti mc chi tiu ca
sinh vin

3.1.1. Kim nh phng sai thay i.


ta c bi ton kim nh:

Hm hi quy ca Y theo X2, X3, X4, X5.

S dng kim nh White, vi s h tr ca Eview ta c kt qu sau:

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24

Theo kt qu t bng trn ta thy nR2 = 6258680


c mc xc sut p_value = 0.0000 < 0.05

. nn ta bc b gi thuyt H0: phng sai

khng i.
vy: m hnh hi quy ca Y theo X2, X3, X4, X5 c xy ra hin tng phng sai thay i.

Cch khc phc:

Tin hnh chia hai v ca hm hi quy

tng th cho Xi bt k hnh thnh mt m hnh mi c phng sai


khng i.

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25

4.2.5 M hnh c hin tng a cng tuyn xy ra khng?

(vi mc ngha 5%)


Vi m hnh chn ta c kt qu hi quy nh sau:

ma trn tng quan gia cc h s hi quy.

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26

Xt cc m hnh hi quy ca Y theo tng bin:

+ hi quy Y theo X2, ta c kt qu


= 299.5006 + 0.525995X2 ; R2 = 0.446980
+ hi quy Y theo X3, ta c kt qu
= 1566.871 0.024446X3 ; R2 = 0.000138
+ hi quy Y theo X4, ta c kt qu
= -205.1314 + 0.167286X4 ; R2 = 0.196165
+ hi quy ca Y theo X5, ta c kt qu
= 1606.494 0.087820X5
-

Ngoi ra ta c cc gi tr VIF: ( vi r2 l h s xc nh ca m hnh hi quy ph gia cc bin) ta


c th quan st ma trn tng quan gia cc h s hi quy trn.

Xt gia X2 v X3:
< 10

Trang
27

Kt lun: khng c a cng tuyn gia X2 v X3

Xt gia X2 v X4:

Kt lun: khng c a cng tuyn gia X2 v X4


Xt gia X2 v X5:

Kt lun: khng c a cng tuyn gia X2 v X5


Xt gia X3 v X4:

Kt lun: khng c a cng tuyn gia X3 v X4


Xt gia X3 v X5:

Kt lun: khng c a cng tuyn gia X3 v X5


Xt gia X4 v X5:

Kt lun: khng c a cng tuyn gia X4 v X5


Kt lun: khng c hin tng a cng tuyn xy ra gia cc bin

4.2.6 M hnh trn c t tng quan khng?

Vi kt qu hi quy ca Y theo X ta c gi tr: d =1.876276


Tc l: 1 < d < 3 nn ta kt lun: m hnh khng c hin tng t tng
quan.

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4.3 Xc nh khong tin cy ca cc h s hi quy tng th (vi tin cy


95%)

Ta dng thng k sau:

Vi mc tin cy 95%,

.ta c

C=

= 1.96

Theo m hnh 5 ta c:
Se () = 0.046734
Se () = 0.113150
Se () = 5.432170
Se () = 0.091526
Khong c lng cho
[

()

4.3.1 Xc nh khong tin cy ca 2

4.3.2 Xc ng khong tin cy ca 3

4.3.3 Xc nh khong tin cy ca 4

4.3.4 Xc nh khong tin cy ca 5

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CHNG 5
KT LUN

5.1 nh gi m hnh

Theo thc nghim kho st v nghin cu cho thy rng m hnh a ra ngay t
u l tng i chnh xc.
Y = 163.3541 + 0.743385X2 0.879792X3 + 9.336468X4 0.625849X5
Tuy nhin trong mt vi trng hp th bin s ln t tp cng bn b khng
c nh hng ti tng chi tiu trong thng ca sinh vin. a s cc trng hp
kim nh cho thy mc chi tiu ca sinh vin ph thuc vo: tng thu nhp, tin
tit kim, chi tiu pht sinh. V mt phn nh t vic t tp cng bn b.
Hn ch:
Bi lm ca nhm thc hin bn cnh nhng vic t c th cng km
theo mt s hn ch nh:
+ u tin l v bi kho st ch c thc hin trong mi trng ca sinh
vin khoa marketing, trng i hc Ti chnh-Marketing nn t hn vn
cha thuyt phc lm khi cho nh gi ton b chi tiu ca sinh vin
+ nhm ch nghin cu tc ng ca mt vi bin tiu biu nn c th tnh
khch quan cng nh chnh xc ca bi lm cha cao.\
+ l ln u tin thc hin nn cha c kinh nghim trong vic nhy bn
nm bt thng tin v ng dng chng hiu qu

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5.2 ngha

Sau qu trnh kho st v nghin cu trn cho thy rng tng chi tiu trong
thng ca sinh vin chu nh hng ca nhiu yu t. thu nhp t gia nh hay t
vic lm thm cng nhiu th chi tiu li cng nhiu, tin tit kim cng nh chi
tiu pht sinh cng nhiu th tng chi tiu li cng gim chnh v th m cn
bng cho cuc sng cng nh chi tiu ph hp th mi ngi cn xy dng mt k
hoch chi tiu ph hp cho ring mnh d dng m bo ti sn cho ti cui
thng nha.

5.3 M rng m hnh


Ngoi nhng bin m nhm kho st th tt nhin cn nhiu yu t khc cng nh hng
n chi tiu ca sinh vin nh: s nh hng ca gii tnh, tui, sinh vin nm my. v th
chnh xc cng nh hon thin hn c th m rng m hnh vi nhng tc ng k trn.

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