Page 416 - Ebook HTKH 2024

number of surveys that had used the bank's consumer credit service was quite small,
only 30 surveys (accounting for 18.2%), mainly civil servants, public employees, and

business employees; when asked about their understanding of green credit, the number
of surveys that had an understanding of green credit was quite small, only 49 surveys
(accounting for 29.7%), led by business employees, followed by civil servants and
public employees; when asked about whether or not consumers would use the bank's
consumer credit service to purchase green industrial products, the number of surveys
that agreed to use the bank's consumer credit service to purchase green industrial
products was still quite small, 43 surveys (accounting for 26%), mainly civil servants,
public employees, and business employees. The results allow the authors to make a

conclusion. There is still a large group of customers who are knowledgeable and want
to consume green industrial products (according to survey results from questions II.1 to
II.8) but their careers may not be clearly defined, their income is not necessarily stable,
so they have not researched and will not use green credit to purchase and consume green
industrial products.
To achieve the goal of the article, which is to propose some recommendations for

developing green credit for individual customers consuming green industrial products
at Vietnamese commercial banks, the authors will continue to test the reliability of
Cronbach's Alpha for the scales from question II.10 to question II.15 to determine the
ability of consumers to use green credit to purchase and use green industrial products.
The reliability coefficient of Cronbach's Alpha will indicate whether the survey
information (scales) are linked together or not. The authors obtained the following
results:

Table 7. Results of Cronbach's Alpha reliability coefficient test 1

According to statistical scientists (Nunally Bumstein 1994, Nguyen Dinh Tho and

Nguyen Thi Mai Trang 2009), the criteria used when assessing the reliability of a scale
are to eliminate scales with an Item-rest correlation coefficient of less than 0.3 and Test
scale alpha coefficient must be greater than 0.6. According to Table 6, scales
II.11 and II.14 have an Item-rest correlation coefficient of less than 0.3, so the group of
authors will eliminate them to continue testing the Cronbach's Alpha reliability
coefficient for the second time. The group of authors obtained the following results:

408