ONEWAY HazardBased Strategic Financial Operational BY Industry

/MISSING ANALYSIS
/POSTHOC=LSD ALPHA(0.05).

Oneway

[DataSet1] D:\Documents\TEMPORARY\Java\Java.sav

ANOVA
Sum of

df

Mean

Squares
Between Groups
Hazard Based

Strategic

.536

Within Groups

14.763

41

.360

Total

17.982

47

4.387

.731

Within Groups

27.691

41

.675

Total

32.078

47

4.318

.720

Within Groups

37.688

41

.919

Total

42.006

47

8.192

1.365

Within Groups

29.810

41

.727

Total

38.002

47

Between Groups
Financial

Between Groups
Operational

Post Hoc Tests

Multiple Comparisons
LSD

Sig.

Square

3.219

Between Groups

1.490

.206

1.083

.389

.783

.588

1.878

.108

Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)

Marine

Fruit

-.130000

.474391

.785

Meat

-.645000

.474391

.181

Handicrafts

-.150000

.367462

.685

Lending

-.563421*

.252904

.031

Pawnshops

-.002778

.291578

.992

Rural Banks

-.270000

.367462

.467

.130000

.474391

.785

Meat

-.515000

.600062

.396

Handicrafts

-.020000

.519669

.969

Lending

-.433421

.446081

.337

Pawnshops

.127222

.469090

.788

Rural Banks

-.140000

.519669

.789

Marine

.645000

.474391

.181

Fruit

.515000

.600062

.396

Handicrafts

.495000

.519669

.346

Lending

.081579

.446081

.856

Pawnshops

.642222

.469090

.178

Rural Banks

.375000

.519669

.475

Marine

.150000

.367462

.685

Fruit

.020000

.519669

.969

Meat

-.495000

.519669

.346

Lending

-.413421

.330106

.218

Pawnshops

.147222

.360592

.685

Rural Banks

-.120000

.424308

.779

Marine

.563421

.252904

.031

Fruit

.433421

.446081

.337

Meat

-.081579

.446081

.856

Handicrafts

.413421

.330106

.218

Pawnshops

.560643

.242816

.026

Rural Banks

.293421

.330106

.379

Marine

Fruit

Hazard Based

Meat

Handicrafts

Lending

Multiple Comparisons
LSD

Dependent Variable

(I) IIndustry Clusters

Marine

(J) IIndustry Clusters

Lower Bound

Upper Bound

Fruit

-1.08805

.82805

Meat

-1.60305

.31305

-.89210

.59210

-.05267

Pawnshops

-.59163

.58608

Rural Banks

-1.01210

.47210

-.82805

1.08805

Meat

-1.72685

.69685

Handicrafts

-1.06949

1.02949

Lending

-1.33430

.46746

Pawnshops

-.82012

1.07457

Rural Banks

-1.18949

.90949

Marine

-.31305

1.60305

Fruit

-.69685

1.72685

Handicrafts

-.55449

1.54449

Lending

-.81930

.98246

Pawnshops

-.30512

1.58957

Rural Banks

-.67449

1.42449

Marine

-.59210

.89210

Fruit

-1.02949

1.06949

Meat

-1.54449

.55449

Lending

-1.08008

.25324

Pawnshops

-.58101

.87545

Rural Banks

-.97691

.73691

Marine

.05267*

1.07417

Fruit

-.46746

1.33430

Meat

-.98246

.81930

Handicrafts

-.25324

1.08008

Pawnshops

.07027*

1.05102

Rural Banks

-.37324

.96008

Handicrafts
Lending

Marine

Fruit

Hazard Based

Meat

Handicrafts

Lending

Multiple Comparisons
LSD

95% Confidence Interval

-1.07417

Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)
Hazard Based

Marine

Pawnshops

Rural Banks

.002778

.291578

.992

Fruit

-.127222

.469090

.788

Meat

-.642222

.469090

.178

Handicrafts

-.147222*

.360592

.685

Lending

-.560643

.242816

.026

Rural Banks

-.267222

.360592

.463

Marine

.270000

.367462

.467

Fruit

.140000

.519669

.789

Meat

-.375000

.519669

.475

.120000

.424308

.779

-.293421

.330106

.379

.267222

.360592

.463

Fruit

-.035000

.649706

.957

Meat

-.390000

.649706

.552

Handicrafts

-.840000

.503260

.103

Lending

-.477368

.346367

.176

Pawnshops

-.148889

.399333

.711

Rural Banks

-.990000

.503260

.056

.035000

.649706

.957

Meat

-.355000

.821820

.668

Handicrafts

-.805000

.711717

.265

Lending

-.442368

.610934

.473

Pawnshops

-.113889

.642446

.860

Rural Banks

-.955000

.711717

.187

Marine

.390000

.649706

.552

Fruit

.355000

.821820

.668

Handicrafts

-.450000

.711717

.531

Lending

-.087368

.610934

.887

Pawnshops

.241111

.642446

.709

Rural Banks

-.600000

.711717

.404

Handicrafts
Lending
Pawnshops

Marine

Marine

Strategic

Fruit

Meat

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence Interval

Lower Bound

Upper Bound

Hazard Based

Marine

Pawnshops

-.58608

.59163

Fruit

-1.07457

.82012

Meat

-1.58957

.30512

.58101

-1.05102

-.07027

Rural Banks

-.99545

.46101

Marine

-.47210

1.01210

Fruit

-.90949

1.18949

Meat

-1.42449

.67449

Handicrafts

-.73691

.97691

Lending

-.96008

.37324

Pawnshops

-.46101

.99545

Fruit

-1.34711

1.27711

Meat

-1.70211

.92211

Handicrafts

-1.85635

.17635

Lending

-1.17687

.22213

Pawnshops

-.95536

.65758

Rural Banks

-2.00635

.02635

Marine

-1.27711

1.34711

Meat

-2.01470

1.30470

Handicrafts

-2.24234

.63234

Lending

-1.67618

.79144

Pawnshops

-1.41134

1.18356

Rural Banks

-2.39234

.48234

1.70211

Fruit

-1.30470

2.01470

Handicrafts

-1.88734

.98734

Lending

-1.32118

1.14644

Pawnshops

-1.05634

1.53856

Rural Banks

-2.03734

.83734

Handicrafts

-.87545

Lending

Rural Banks

Marine

Strategic

Fruit

Marine

Meat

-.92211

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)
Strategic

Handicrafts

Marine

.840000

.503260

.103

Fruit

.805000

.711717

.265

Meat

.450000

.711717

.531

.452099

.427

Pawnshops

.691111

.493852

.169

Rural Banks

-.150000

.581114

.798

Marine

.477368

.346367

.176

Fruit

.442368

.610934

.473

Meat

.087368

.610934

.887

Handicrafts

-.362632

.452099

.427

Pawnshops

.328480

.332551

.329

Rural Banks

-.512632

.452099

.263

Marine

.148889

.399333

.711

Fruit

.113889

.642446

.860

Meat

-.241111

.642446

.709

Handicrafts

-.691111

.493852

.169

Lending

-.328480

.332551

.329

Rural Banks

-.841111

.493852

.096

Marine

.990000

.503260

.056

Fruit

.955000

.711717

.187

Meat

.600000

.711717

.404

Handicrafts

.150000

.581114

.798

Lending

.512632

.452099

.263

Pawnshops

.841111

.493852

.096

Fruit

.171250

.757966

.822

Meat

-.823750

.757966

.283

Handicrafts

-.303750

.587118

.608

Lending

-.712171

.404082

.085

Pawnshops

-.274861

.465873

.558

Rural Banks

-.353750

.587118

.550

Lending

Lending

Pawnshops

Rural Banks

Financial

Marine

.362632

Multiple Comparisons
LSD
Dependent Variable

Strategic

(I) IIndustry Clusters

Handicrafts

(J) IIndustry Clusters

95% Confidence Interval

Lower Bound

Upper Bound

Marine

-.17635

1.85635

Fruit

-.63234

2.24234

Meat

-.98734

1.88734

1.27566

Lending

-.55040

Lending

Pawnshops

-.30624

1.68847

Rural Banks

-1.32358

1.02358

Marine

-.22213

1.17687

Fruit

-.79144

1.67618

Meat

-1.14644

1.32118

Handicrafts

-1.27566

.55040

Pawnshops

-.34312

1.00008

Rural Banks

-1.42566

.40040

-.65758

.95536

Fruit

-1.18356

1.41134

Meat

-1.53856

1.05634

Handicrafts

-1.68847

.30624

Lending

-1.00008

.34312

Rural Banks

-1.83847

.15624

Marine

-.02635

2.00635

Fruit

-.48234

2.39234

Meat

-.83734

2.03734

-1.02358

1.32358

Lending

-.40040

1.42566

Pawnshops

-.15624

1.83847

Fruit

-1.35949

1.70199

Meat

-2.35449

.70699

Handicrafts

-1.48946

.88196

Lending

-1.52823

.10389

Pawnshops

-1.21571

.66599

Rural Banks

-1.53946

.83196

Marine

Pawnshops

Rural Banks

Financial

Marine

Handicrafts

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)
Financial

Fruit

Marine

-.171250

.757966

.822

Meat

-.995000

.958759

.305

Handicrafts

-.475000

.830310

.570

Lending

-.883421*

.712734

.222

-.446111

.749496

.555

Pawnshops

Rural Banks

Meat

Handicrafts

Lending

-.525000

.830310

.531

Marine

.823750

.757966

.283

Fruit

.995000

.958759

.305

Handicrafts

.520000

.830310

.535

Lending

.111579

.712734

.876

Pawnshops

.548889

.749496

.468

Rural Banks

.470000

.830310

.574

Marine

.303750

.587118

.608

Fruit

.475000

.830310

.570

Meat

-.520000

.830310

.535

Lending

-.408421

.527432

.443

Pawnshops

.028889

.576143

.960

Rural Banks

-.050000

.677945

.942

Marine

.712171

.404082

.085

Fruit

.883421

.712734

.222

Meat

-.111579

.712734

.876

Handicrafts

.408421

.527432

.443

Pawnshops

.437310

.387963

.266

Rural Banks

.358421

.527432

.501

.465873

.558

Fruit

.446111

.749496

.555

Meat

-.548889

.749496

.468

Handicrafts

-.028889

.576143

.960

Lending

-.437310

.387963

.266

Rural Banks

-.078889

.576143

.892

Marine

Pawnshops

.274861

Multiple Comparisons
LSD
Dependent Variable

Financial

(I) IIndustry Clusters

Fruit

(J) IIndustry Clusters

95% Confidence Interval

Lower Bound

Upper Bound

Marine

-1.70199

1.35949

Meat

-2.93125

.94125

Handicrafts

-2.15184

1.20184

Lending

-2.32282*

.55597

Pawnshops

-1.95975

1.06753

Rural Banks

-2.20184

1.15184

Meat

Marine

-.70699

2.35449

Fruit

-.94125

2.93125

Handicrafts

-1.15684

2.19684

Lending

-1.32782

1.55097

Pawnshops

-.96475

2.06253

Rural Banks

-1.20684

2.14684

-.88196

1.48946

Fruit

-1.20184

2.15184

Meat

-2.19684

1.15684

Lending

-1.47359

.65675

Pawnshops

-1.13465

1.19243

Rural Banks

-1.41914

1.31914

Marine

-.10389

1.52823

Fruit

-.55597

2.32282

Meat

-1.55097

1.32782

Handicrafts

-.65675

1.47359

Pawnshops

-.34620

1.22082

Rural Banks

-.70675

1.42359

Marine

-.66599*

1.21571

Fruit

-1.06753

1.95975

Meat

-2.06253

.96475

Handicrafts

-1.19243

1.13465

Lending

-1.22082*

.34620

Rural Banks

-1.24243

1.08465

Marine

Handicrafts

Lending

Pawnshops

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)
Financial

Rural Banks

Marine

.353750

.587118

.550

Fruit

.525000

.830310

.531

Meat

-.470000

.830310

.574

Handicrafts

.050000*

.677945

.942

Lending

-.358421

.527432

.501

.078889

.576143

.892

Pawnshops

Marine

Fruit

-.311250

.674104

.647

Meat

-.481250

.674104

.479

Handicrafts

-.853750

.522159

.110

Lending

-.790987

.359374

.033

Pawnshops

-.451806

.414329

.282

Rural Banks

-1.603750

.522159

.004

.311250

.674104

.647

Meat

-.170000

.852682

.843

Handicrafts

-.542500

.738444

.467

Lending

-.479737

.633877

.453

Pawnshops

-.140556

.666572

.834

Rural Banks

-1.292500

.738444

.088

Marine

.481250

.674104

.479

Fruit

.170000

.852682

.843

Handicrafts

-.372500

.738444

.617

Lending

-.309737

.633877

.628

Pawnshops

.029444

.666572

.965

Rural Banks

-1.122500

.738444

.136

Marine

.853750

.522159

.110

Fruit

.542500

.738444

.467

Meat

.372500

.738444

.617

Lending

.062763

.469077

.894

Pawnshops

.401944

.512398

.437

Rural Banks

-.750000

.602937

.221

Marine

Fruit

Operational

Meat

Handicrafts

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

Financial

Marine

95% Confidence Interval

Lower Bound

Upper Bound

-.83196

1.53946

Fruit

-1.15184

2.20184

Meat

-2.14684

1.20684

Handicrafts

-1.31914

1.41914

Lending

-1.42359

.70675

Pawnshops

-1.08465

1.24243

Fruit

-1.67263

1.05013

Meat

-1.84263

.88013

Handicrafts

-1.90827

.20077

Lending

-1.51676

-.06522

Marine

Rural Banks

Operational

(J) IIndustry Clusters

Fruit

Pawnshops

-1.28856

.38495

Rural Banks

-2.65827

-.54923

Marine

-1.05013

1.67263

Meat

-1.89203

1.55203

Handicrafts

-2.03382

.94882

Lending

-1.75988

.80040

Pawnshops

-1.48673

1.20561

Rural Banks

-2.78382

.19882

-.88013

1.84263

Fruit

-1.55203

1.89203

Handicrafts

-1.86382

1.11882

Lending

-1.58988

.97040

Pawnshops

-1.31673

1.37561

Rural Banks

-2.61382

.36882

Marine

-.20077

1.90827

Fruit

-.94882

2.03382

Meat

-1.11882

1.86382

-.88456

1.01008

Pawnshops

-.63286

1.43675

Rural Banks

-1.96766

.46766

Marine

Meat

Handicrafts

Lending

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry

(J) IIndustry

Clusters

Clusters

Mean

Std.

Difference (I-

Error

Sig.

J)
Operational

Lending

Pawnshops

Marine

.790987

.359374

.033

Fruit

.479737

.633877

.453

Meat

.309737

.633877

.628

Handicrafts

-.062763*

.469077

.894

Pawnshops

.339181

.345039

.331

Rural Banks

-.812763

.469077

.091

Marine

.451806

.414329

.282

Fruit

.140556

.666572

.834

Meat

-.029444

.666572

.965

Handicrafts

-.401944

.512398

.437

Lending

-.339181

.345039

.331

-1.151944

.512398

.030

Rural Banks

Rural Banks

Marine

1.603750

.522159

.004

Fruit

1.292500

.738444

.088

Meat

1.122500

.738444

.136

Handicrafts

.750000

.602937

.221

Lending

.812763

.469077

.091

1.151944

.512398

.030

Pawnshops
Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

Operational

(J) IIndustry Clusters

Lower Bound

Upper Bound

.06522

1.51676

Fruit

-.80040

1.75988

Meat

-.97040

1.58988

Handicrafts

-1.01008

.88456

Pawnshops

-.35764

1.03600

Rural Banks

-1.76008

.13456

-.38495

1.28856

Fruit

-1.20561

1.48673

Meat

-1.37561

1.31673

Handicrafts

-1.43675

.63286

Lending

-1.03600

.35764

Rural Banks

-2.18675

-.11714

.54923

2.65827

Fruit

-.19882

2.78382

Meat

-.36882

2.61382

Handicrafts

-.46766

1.96766

Lending

-.13456

1.76008

.11714

2.18675

Marine

Lending

Marine

Pawnshops

Marine

Rural Banks

95% Confidence Interval

Pawnshops
*. The mean difference is significant at the 0.05 level.

ONEWAY BusinessPlanning OccupationalHealth HumanResourceMngt Compliance

FinancialMngt ClientCustomerRel QualityAssurance BY Industry
/MISSING ANALYSIS
/POSTHOC=LSD ALPHA(0.05).

Oneway

[DataSet1] D:\Documents\TEMPORARY\Java\Java.sav

ANOVA
Sum of

df

Mean

Squares

BUSINESS PLANNING

OCCUPATIONAL HEALTH
& SAFETY
HUMAN RESOURCE
MNGT

COMPLIANCE

11.917

1.986

Within Groups

25.059

41

.611

Total

36.976

47

3.321

.554

Within Groups

41.996

41

1.024

Total

45.318

47

2.879

.480

Within Groups

21.214

41

.517

Total

24.093

47

Between Groups

11.134

1.856

Within Groups

33.145

41

.808

Total

44.280

47

8.520

1.420

Within Groups

33.299

41

.812

Total

41.819

47

4.442

.740

Within Groups

32.012

41

.781

Total

36.453

47

4.692

.782

Within Groups

36.188

41

.883

Total

40.881

47

Between Groups

Between Groups
FINANCIAL MNGT

CLIENT-CUSTOMER
RELATIONSHIP

Between Groups

Between Groups
QUALITY ASSURANCE

Square

Between Groups

Between Groups

3.250

.540

.927

2.296

1.748

.948

.886

ANOVA
Sig.
BUSINESS PLANNING

Between Groups
Within Groups

.010

Total
Between Groups
OCCUPATIONAL HEALTH & SAFETY

.774

Within Groups
Total
Between Groups

HUMAN RESOURCE MNGT

.486

Within Groups
Total
Between Groups

COMPLIANCE

.053

Within Groups
Total
Between Groups

FINANCIAL MNGT

.134

Within Groups
Total
Between Groups

CLIENT-CUSTOMER RELATIONSHIP

.472

Within Groups
Total
Between Groups

QUALITY ASSURANCE

.514

Within Groups
Total

Post Hoc Tests

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
BUSINESS PLANNING

Marine

Fruit

Fruit

.79125

.61806

Meat

-.79375

.61806

Handicrafts

-.08375

.47875

Lending

-.67349*

.32950

Pawnshops

-.74653

.37988

Rural Banks

-1.58375*

.47875

-.79125

.61806

Marine

-1.58500*

.78179

-.87500

.67705

-1.46474*

.58118

Pawnshops

-1.53778

.61115

Rural Banks

-2.37500*

.67705

.79375

.61806

1.58500*

.78179

Handicrafts

.71000

.67705

Lending

.12026

.58118

Pawnshops

.04722

.61115

Rural Banks

-.79000

.67705

Marine

.08375

.47875

Fruit

.87500

.67705

Meat

-.71000

.67705

Lending

-.58974

.43008

Pawnshops

-.66278

.46980

Rural Banks

-1.50000*

.55281

.67349

.32950

Fruit

1.46474*

.58118

Meat

-.12026

.58118

Handicrafts

.58974

.43008

Pawnshops

-.07304

.31635

Rural Banks

-.91026*

.43008

Meat
Handicrafts
Lending

Marine
Fruit
Meat

Handicrafts

Marine

Lending

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

BUSINESS PLANNING

Marine

Fruit

.208

-.4569

Meat

.206

-2.0419

Handicrafts

.862

-1.0506

Lending

.047*

-1.3389

Pawnshops

.056

-1.5137

Rural Banks

.002*

-2.5506

Marine

Fruit

Meat

Handicrafts

Lending

.208

-2.0394

Meat

.049

-3.1639

Handicrafts

.203

-2.2423

Lending

.016

-2.6384

Pawnshops

.016*

-2.7720

Rural Banks

.001

-3.7423

Marine

.206

-.4544

Fruit

.049

.0061

Handicrafts

.300

-.6573

Lending

.837

-1.0534

Pawnshops

.939

-1.1870

Rural Banks

.250

-2.1573

Marine

.862

-.8831

Fruit

.203

-.4923

Meat

.300

-2.0773

Lending

.178

-1.4583

Pawnshops

.166

-1.6116

Rural Banks

.010

-2.6164

Marine

.047*

.0081

Fruit

.016

.2910

Meat

.837

-1.2940

Handicrafts

.178

-.2788

Pawnshops

.819

-.7119

-1.7788

Rural Banks

.040

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

BUSINESS PLANNING

Marine

Fruit

2.0394

Meat

.4544

Handicrafts

.8831

Lending

-.0081*

Pawnshops

.0207

Rural Banks

-.6169*

Marine

.4569
-.0061*

Meat
Handicrafts

Fruit

Meat

Handicrafts

Lending

.4923

Lending

-.2910*

Pawnshops

-.3035*

Rural Banks

-1.0077*

Marine

2.0419

Fruit

3.1639*

Handicrafts

2.0773

Lending

1.2940

Pawnshops

1.2815

Rural Banks

.5773

Marine

1.0506

Fruit

2.2423

Meat

.6573

Lending

.2788

Pawnshops

.2860

Rural Banks

-.3836*

Marine

1.3389*

Fruit

2.6384*

Meat

1.0534

Handicrafts

1.4583

Pawnshops

.5658

Rural Banks

-.0417*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
BUSINESS PLANNING

Pawnshops

Marine

.74653

.37988

Fruit

1.53778

.61115

Meat

-.04722

.61115

Handicrafts

.66278*

.46980

Lending

.07304

.31635

-.83722*

.46980

Rural Banks

Marine

Rural Banks

1.58375

.47875

Fruit

2.37500

.67705

Meat

.79000

.67705

1.50000

.55281

.91026*

.43008

Pawnshops

.83722

.46980

Fruit

-.14375

.80012

Meat

-.29875

.80012

Handicrafts

-.58625

.61977

Lending

-.54401

.42655

Pawnshops

-.74986

.49178

Rural Banks

-.80125

.61977

.14375

.80012

Meat

-.15500

1.01208

Handicrafts

-.44250

.87648

Lending

-.40026

.75237

Pawnshops

-.60611

.79118

.87648

.80012

Fruit

.15500

1.01208

Handicrafts

-.28750

.87648

Lending

-.24526

.75237

Pawnshops

-.45111

.79118

.87648

Handicrafts
Lending

Marine

Marine
OCCUPATIONAL HEALTH
& SAFETY

Fruit

Rural Banks
Marine

Meat

Rural Banks

-.65750

.29875

-.50250

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

BUSINESS PLANNING

Pawnshops

Rural Banks

Marine

.056

-.0207

Fruit

.016

.3035

Meat

.939

-1.2815

Handicrafts

.166

-.2860

Lending

.819

-.5658

Rural Banks

.082

-1.7860

Marine

.002

.6169

Marine

OCCUPATIONAL HEALTH
& SAFETY

Fruit

Fruit

.001*

1.0077

Meat

.250

-.5773

Handicrafts

.010*

.3836

Lending

.040

.0417

Pawnshops

.082*

-.1116

Fruit

.858

-1.7596

Meat

.711

-1.9146

Handicrafts

.350

-1.8379

Lending

.209

-1.4055

Pawnshops

.135

-1.7430

Rural Banks

.203

-2.0529

Marine

.858

-1.4721

Meat

.879

-2.1989

Handicrafts

.616

-2.2126

Lending

.598

-1.9197

Pawnshops

.448

-2.2039

-2.4276

-1.3171

Fruit

.879

-1.8889

Handicrafts

.745

-2.0576

Lending

.746

-1.7647

Pawnshops

.572

-2.0489

-2.2726

Rural Banks
Marine

Meat

.457
.711

Rural Banks

.570

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

BUSINESS PLANNING

Pawnshops

Rural Banks

Marine

1.5137

Fruit

2.7720

Meat

1.1870

Handicrafts

1.6116*

Lending

.7119

Rural Banks

.1116*

Marine

2.5506

Fruit

3.7423*

Meat

2.1573

Marine

OCCUPATIONAL HEALTH &

SAFETY

Fruit

Meat

Handicrafts

2.6164*

Lending

1.7788*

Pawnshops

1.7860*

Fruit

1.4721

Meat

1.3171*

Handicrafts

.6654

Lending

.3174

Pawnshops

.2433

Rural Banks

.4504

Marine

1.7596

Meat

1.8889

Handicrafts

1.3276

Lending

1.1192

Pawnshops

.9917

Rural Banks

1.1126*

Marine

1.9146*

Fruit

2.1989*

Handicrafts

1.4826

Lending

1.2742

Pawnshops

1.1467

Rural Banks

1.2676*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
OCCUPATIONAL HEALTH

Marine

.58625

.61977

& SAFETY

Fruit

.44250

.87648

Meat

.28750

.87648

Lending

.04224

.55676

Pawnshops

-.16361

.60818

-.21500

.71565

.54401

.42655

Fruit

.40026

.75237

Meat

.24526

.75237

Handicrafts

-.04224

.55676

Pawnshops

-.20585*

.40954

Handicrafts

Rural Banks
Lending

Marine

-.25724*

.55676

Marine

.74986

.49178

Fruit

.60611*

.79118

Meat

.45111

.79118

Handicrafts

.16361

.60818

Lending

.20585

.40954

-.05139

.60818

Marine

.80125

.61977

Fruit

.65750

.87648

Meat

.50250

.87648

Handicrafts

.21500

.71565

Lending

.25724

.55676

Pawnshops

.05139*

.60818

.56867

Meat

-.57750

.56867

Handicrafts

-.27000

.44049

Lending

-.65329

.30317

Pawnshops

-.33639

.34953

.44049

Rural Banks

Pawnshops

Rural Banks

Rural Banks

Fruit
HUMAN RESOURCE
MNGT

Marine

Rural Banks

-.13250

-.26750

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

OCCUPATIONAL HEALTH

Marine

.350

-.6654

& SAFETY

Fruit

.616

-1.3276

Meat

.745

-1.4826

Lending

.940*

-1.0822

Pawnshops

.789

-1.3919

Rural Banks

.765*

-1.6603

Marine

.209

-.3174

Fruit

.598*

-1.1192

Meat

.746

-1.2742

Handicrafts

.940*

-1.1666

Pawnshops

-1.0329

Handicrafts

Lending

.618

Pawnshops

Rural Banks

Rural Banks

.647*

-1.3816

Marine

.135

-.2433

Fruit

.448*

-.9917

Meat

.572

-1.1467

Handicrafts

.789

-1.0646

Lending

.618

-.6212

Rural Banks

.933

-1.2796

Marine

.203

-.4504

Fruit

.457

-1.1126

Meat

.570

-1.2676

Handicrafts

.765

-1.2303

Lending

.647

-.8672

Pawnshops

.933*

-1.1769

-1.2810

Meat

.316

-1.7260

Handicrafts

.543

-1.1596

Lending

.037

-1.2656

Pawnshops

.341

-1.0423

-1.1571

Fruit
HUMAN RESOURCE
MNGT

Marine

.817

Rural Banks

.547

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

OCCUPATIONAL HEALTH &

Marine

1.8379

SAFETY

Fruit

2.2126

Meat

2.0576

Lending

1.1666*

Pawnshops

1.0646

Rural Banks

1.2303*

Marine

1.4055

Fruit

1.9197*

Meat

1.7647

Handicrafts

1.0822*

Pawnshops

.6212*

Rural Banks

.8672*

Handicrafts

Lending

Pawnshops

Rural Banks

HUMAN RESOURCE MNGT

Marine

Marine

1.7430

Fruit

2.2039*

Meat

2.0489

Handicrafts

1.3919

Lending

1.0329

Rural Banks

1.1769

Marine

2.0529

Fruit

2.4276

Meat

2.2726

Handicrafts

1.6603

Lending

1.3816

Pawnshops

1.2796*

Fruit

1.0160*

Meat

.5710*

Handicrafts

.6196

Lending

-.0410

Pawnshops

.3695

Rural Banks

.6221*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
HUMAN RESOURCE

Marine

MNGT
Fruit

Meat

Handicrafts

.13250

.56867

Meat

-.44500

.71932

Handicrafts

-.13750

.62295

Lending

-.52079*

.53474

Pawnshops

-.20389

.56232

Rural Banks

-.13500*

.62295

Marine

.57750

.56867

Fruit

.44500*

.71932

Handicrafts

.30750

.62295

-.07579*

.53474

Pawnshops

.24111

.56232

Rural Banks

.31000*

.62295

Marine

.27000

.44049

Lending

Lending

Pawnshops

Fruit

.13750*

.62295

Meat

-.30750

.62295

Lending

-.38329

.39571

Pawnshops

-.06639

.43226

Rural Banks

.00250

.50864

Marine

.65329

.30317

Fruit

.52079

.53474

Meat

.07579

.53474

Handicrafts

.38329

.39571

Pawnshops

.31690

.29107

Rural Banks

.38579*

.39571

Marine

.33639

.34953

Fruit

.20389*

.56232

Meat

-.24111

.56232

Handicrafts

.06639

.43226

Lending

-.31690

.29107

Rural Banks

.06889*

.43226

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

HUMAN RESOURCE

Marine

.817

-1.0160

MNGT

Meat

.540

-1.8977

Handicrafts

.826

-1.3956

Lending

.336*

-1.6007

Pawnshops

.719

-1.3395

Rural Banks

.830*

-1.3931

Marine

.316

-.5710

Fruit

.540*

-1.0077

Handicrafts

.624

-.9506

Lending

.888*

-1.1557

Pawnshops

.670

-.8945

Rural Banks

.621*

-.9481

Fruit

Meat

Marine

Handicrafts

Lending

Pawnshops

.543

-.6196

Fruit

.826

-1.1206

Meat

.624

-1.5656

Lending

.338

-1.1824

Pawnshops

.879

-.9394

Rural Banks

.996

-1.0247

Marine

.037

.0410

Fruit

.336

-.5591

Meat

.888

-1.0041

Handicrafts

.338

-.4159

Pawnshops

.283

-.2709

Rural Banks

.335

-.4134

Marine

.341*

-.3695

Fruit

.719

-.9317

Meat

.670

-1.3767

Handicrafts

.879

-.8066

Lending

.283

-.9047

-.8041

Rural Banks

.874

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

HUMAN RESOURCE MNGT

Fruit

Meat

Marine

1.2810

Meat

1.0077

Handicrafts

1.1206

Lending

.5591*

Pawnshops

.9317

Rural Banks

1.1231*

Marine

1.7260

Fruit

1.8977*

Handicrafts

1.5656

Lending

1.0041*

Pawnshops

1.3767*

Rural Banks

1.5681*

Handicrafts

Lending

Pawnshops

Marine

1.1596

Fruit

1.3956*

Meat

.9506

Lending

.4159

Pawnshops

.8066

Rural Banks

1.0297

Marine

1.2656

Fruit

1.6007

Meat

1.1557

Handicrafts

1.1824

Pawnshops

.9047

Rural Banks

1.1849*

Marine

1.0423*

Fruit

1.3395*

Meat

.8945

Handicrafts

.9394

Lending

.2709

Rural Banks

.9419*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
HUMAN RESOURCE

Marine

.26750

.44049

MNGT

Fruit

.13500

.62295

Meat

-.31000

.62295

Handicrafts

-.00250*

.50864

Lending

-.38579

.39571

Pawnshops

-.06889*

.43226

.43750

.71082

Meat

-.56250

.71082

Handicrafts

-.12500

.55060

.37895

.43690

Rural Banks

-.87500

.55060

Marine

-.43750

.71082

Rural Banks

COMPLIANCE

Fruit

Marine

Lending
Pawnshops

Fruit

-1.10855
-.54861

-1.00000*

.89913

-.56250

.77867

-1.54605

.66840

Pawnshops

-.98611

.70288

Rural Banks

-1.31250

.77867

.56250

.71082

1.00000

.89913

.43750

.77867

-.54605

.66840

.01389

.70288

.77867

.55060

Fruit

.56250

.77867

Meat

-.43750

.77867

Lending

-.98355

.49463

Pawnshops

-.42361

.54031

.63578

Meat
Handicrafts
Lending

Marine
Fruit
Handicrafts

Meat

Lending
Pawnshops
Rural Banks
Marine

Handicrafts

Rural Banks

-.31250

.12500

-.75000

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

HUMAN RESOURCE

Marine

.547

-.6221

MNGT

Fruit

.830

-1.1231

Meat

.621

-1.5681

Handicrafts

.996

-1.0297

Lending

.335

-1.1849

Pawnshops

.874

-.9419

Fruit

.542

-.9980

Meat

.433

-1.9980

Handicrafts

.822

-1.2370

-1.8739

-1.4309

Rural Banks

.120

-1.9870

Marine

.542

-1.8730

Meat

.273

-2.8158

Handicrafts

.474

-2.1350

Rural Banks

COMPLIANCE

Marine

Lending
Pawnshops

Fruit

.006
.216

Meat

Lending

.026

-2.8959

Pawnshops

.168

-2.4056

Rural Banks

.099

-2.8850

Marine

.433

-.8730

Fruit

.273

-.8158

Handicrafts

.577

-1.1350

Lending

.419

-1.8959

Pawnshops

.984

-1.4056

-1.8850

-.9870

Fruit

.474

-1.0100

Meat

.577

-2.0100

Lending

.053

-1.9825

Pawnshops

.438

-1.5148

-2.0340

Rural Banks
Marine

Handicrafts

.690
.822

Rural Banks

.245

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

HUMAN RESOURCE MNGT

Rural Banks

COMPLIANCE

Marine

Fruit

Marine

1.1571

Fruit

1.3931

Meat

.9481

Handicrafts

1.0247*

Lending

.4134

Pawnshops

.8041*

Fruit

1.8730

Meat

.8730*

Handicrafts

.9870

Lending

-.3433*

Pawnshops

.3337*

Rural Banks

.2370*

Marine

.9980

Meat

.8158*

Handicrafts

1.0100

Lending

-.1962

Pawnshops

.4334

Rural Banks

.2600

Meat

Marine

1.9980

Fruit

2.8158

Handicrafts

2.0100

Lending

Handicrafts

.8038

Pawnshops

1.4334

Rural Banks

1.2600*

Marine

1.2370*

Fruit

2.1350*

Meat

1.1350

Lending

.0154

Pawnshops

.6676

Rural Banks

.5340*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
COMPLIANCE

Lending

Pawnshops

Marine

1.10855

.37895

Fruit

1.54605

.66840

Meat

.54605

.66840

Handicrafts

.98355*

.49463

Pawnshops

.55994

.36383

Rural Banks

.23355*

.49463

Marine

.54861

.43690

Fruit

.98611*

.70288

Meat

-.01389

.70288

Handicrafts

.42361*

.54031

Lending

-.55994

.36383

Rural Banks

-.32639*

.54031

.87500

.55060

Fruit

1.31250*

.77867

Meat

.31250

.77867

Handicrafts

.75000

.63578

-.23355

.49463

Pawnshops

.32639

.54031

Fruit

.70000

.71247

Meat

-1.10000

.71247

Marine

Rural Banks

Lending

FINANCIAL MNGT

Marine

Handicrafts

-.45000

.55188

Lending

-.89474

.37983

Pawnshops

-.46667

.43791

.55188

.71247

Meat

-1.80000

.90121

Handicrafts

-1.15000

.78047

Lending

-1.59474

.66995

Pawnshops

-1.16667

.70451

-1.30000

.78047

Sig.

95%

Rural Banks
Marine

Fruit

Rural Banks

-.60000
-.70000

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Confidence
Interval
Lower Bound
COMPLIANCE

Lending

Pawnshops

Rural Banks

FINANCIAL MNGT

Marine

Marine

.006

.3433

Fruit

.026

.1962

Meat

.419

-.8038

Handicrafts

.053

-.0154

Pawnshops

.131

-.1748

Rural Banks

.639

-.7654

Marine

.216

-.3337

Fruit

.168

-.4334

Meat

.984

-1.4334

Handicrafts

.438

-.6676

Lending

.131*

-1.2947

Rural Banks

.549

-1.4176

Marine

.120

-.2370

Fruit

.099

-.2600

Meat

.690

-1.2600

Handicrafts

.245

-.5340

Lending

.639

-1.2325

Pawnshops

.549

-.7648

Fruit

.332

-.7389

Meat

.130

-2.5389

Handicrafts

.420

-1.5645

Lending

.023

-1.6618

Pawnshops

.293

-1.3510

-1.7145

-2.1389

Meat

.052

-3.6200

Handicrafts

.148

-2.7262

Lending

.022

-2.9477

Pawnshops

.105

-2.5895

-2.8762

Rural Banks
Marine

Fruit

.283
.332

Rural Banks

.103

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

COMPLIANCE

Lending

Pawnshops

Rural Banks

Marine

1.8739

Fruit

2.8959

Meat

1.8959

Handicrafts

1.9825*

Pawnshops

1.2947

Rural Banks

1.2325*

Marine

1.4309

Fruit

2.4056*

Meat

1.4056

Handicrafts

1.5148*

Lending

.1748*

Rural Banks

.7648*

Marine

1.9870

Fruit

2.8850*

Meat

1.8850

Handicrafts

2.0340

Lending

FINANCIAL MNGT

Marine

.7654

Pawnshops

1.4176

Fruit

2.1389

Meat

.3389

Handicrafts

.6645

Lending
Pawnshops

-.1277
.4177

Fruit

Rural Banks

.5145*

Marine

.7389*

Meat

.0200*

Handicrafts

.4262

Lending

-.2417

Pawnshops

.2561

Rural Banks

.2762*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
FINANCIAL MNGT

Meat

Handicrafts

Marine

1.10000

.71247

Fruit

1.80000

.90121

Handicrafts

.65000

.78047

Lending

.20526*

.66995

Pawnshops

.63333

.70451

Rural Banks

.50000*

.78047

Marine

.45000

.55188

Fruit

1.15000*

.78047

Meat

-.65000

.78047

Lending

-.44474*

.49577

Pawnshops

-.01667

.54156

Rural Banks

-.15000*

.63725

.89474

.37983

Fruit

1.59474*

.66995

Meat

-.20526

.66995

Handicrafts

.44474

.49577

Pawnshops

.42807

.36468

Rural Banks

.29474

.49577

Marine

.46667

.43791

Fruit

1.16667

.70451

Meat

-.63333

.70451

.01667

.54156

Lending

-.42807

.36468

Rural Banks

-.13333*

.54156

Marine

Lending

Pawnshops

Handicrafts

.60000*

.55188

Fruit

1.30000

.78047

Meat

-.50000

.78047

.15000

.63725

-.29474

.49577

.54156

Marine

Rural Banks

Handicrafts
Lending
Pawnshops

.13333

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

FINANCIAL MNGT

Meat

Handicrafts

Lending

Pawnshops

Marine

.130

-.3389

Fruit

.052

-.0200

Handicrafts

.410

-.9262

Lending

.761

-1.1477

Pawnshops

.374

-.7895

Rural Banks

.525

-1.0762

Marine

.420

-.6645

Fruit

.148

-.4262

Meat

.410

-2.2262

Lending

.375

-1.4460

Pawnshops

.976*

-1.1104

Rural Banks

.815

-1.4370

Marine

.023

.1277

Fruit

.022

.2417

Meat

.761

-1.5583

Handicrafts

.375

-.5565

Pawnshops

.247

-.3084

Rural Banks

.555

-.7065

Marine

.293

-.4177

Fruit

.105

-.2561

Meat

.374

-2.0561

Handicrafts

.976

-1.0770

Lending

.247

-1.1645

.807*

-1.2270

Marine

.283

-.5145

Fruit

.103*

-.2762

Meat

.525

-2.0762

Handicrafts

.815

-1.1370

Lending

.555

-1.2960

Pawnshops

.807*

-.9604

Rural Banks

Rural Banks

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

FINANCIAL MNGT

Meat

Handicrafts

Lending

Pawnshops

Marine

2.5389

Fruit

3.6200

Handicrafts

2.2262

Lending

1.5583*

Pawnshops

2.0561

Rural Banks

2.0762*

Marine

1.5645

Fruit

2.7262*

Meat

.9262

Lending

.5565*

Pawnshops

1.0770*

Rural Banks

1.1370*

Marine

1.6618

Fruit

2.9477*

Meat

1.1477

Handicrafts

1.4460

Pawnshops

1.1645

Rural Banks

1.2960

Marine

1.3510

Fruit

2.5895

Meat

.7895

Handicrafts
Lending

1.1104
.3084

.9604*

Rural Banks

Rural Banks

Marine

1.7145*

Fruit

2.8762*

Meat

1.0762

Handicrafts

1.4370

Lending

.7065
1.2270*

Pawnshops
Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
CLIENT-CUSTOMER

Fruit

-.81250

.69856

RELATIONSHIP

Meat

-1.31250

.69856

-.56250

.54110

Lending

-.62829

.37241

Pawnshops

-.81250

.42936

-.68750

.54110

.81250

.69856

-.50000

.88361

.25000

.76523

Lending

.18421

.65687

Pawnshops

.00000*

.69075

.12500

.76523

1.31250

.69856

Fruit

.50000

.88361

Handicrafts

.75000

.76523

Lending

.68421

.65687

Pawnshops

.50000

.69075

Rural Banks

.62500

.76523

Marine

.56250

.54110

Fruit

-.25000

.76523

Meat

-.75000

.76523

Lending

-.06579

.48609

Pawnshops

-.25000

.53098

Marine

Handicrafts

Rural Banks
Marine
Meat
Fruit

Handicrafts

Rural Banks
Marine

Meat

Handicrafts

-.12500*

.62481

.62829

.37241

Fruit

-.18421*

.65687

Meat

-.68421

.65687

Handicrafts

.06579

.48609

Pawnshops

-.18421

.35755

Rural Banks

-.05921*

.48609

Rural Banks
Marine

Lending

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

CLIENT-CUSTOMER

Fruit

.252

-2.2233

RELATIONSHIP

Meat

.067

-2.7233

Handicrafts

.305

-1.6553

Lending

.099*

-1.3804

Pawnshops

.066

-1.6796

Rural Banks

.211*

-1.7803

Marine

.252

-.5983

Meat

.575*

-2.2845

Handicrafts

.746

-1.2954

Lending

.781*

-1.1424

Pawnshops

1.000

-1.3950

Rural Banks

.871*

-1.4204

Marine

.067

-.0983

Fruit

.575*

-1.2845

Handicrafts

.333

-.7954

Lending

.304

-.6424

Pawnshops

.473

-.8950

Rural Banks

.419

-.9204

Marine

.305

-.5303

Fruit

.746

-1.7954

Meat

.333

-2.2954

Lending

.893

-1.0475

Marine

Fruit

Meat

Handicrafts

Pawnshops

Lending

.640

-1.3223

Rural Banks

.842

-1.3868

Marine

.099*

-.1238

Fruit

.781

-1.5108

Meat

.304

-2.0108

Handicrafts

.893

-.9159

Pawnshops

.609

-.9063

-1.0409

Rural Banks

.904

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

CLIENT-CUSTOMER

Fruit

.5983

RELATIONSHIP

Meat

.0983

Handicrafts

.5303

Lending

.1238*

Pawnshops

.0546

Rural Banks

.4053*

Marine

Fruit

Meat

Handicrafts

Marine

2.2233

Meat

1.2845*

Handicrafts

1.7954

Lending

1.5108*

Pawnshops

1.3950*

Rural Banks

1.6704*

Marine

2.7233

Fruit

2.2845*

Handicrafts

2.2954

Lending

2.0108

Pawnshops

1.8950

Rural Banks

2.1704

Marine

1.6553

Fruit

1.2954

Meat

.7954

Lending

.9159

Lending

Pawnshops

.8223

Rural Banks

1.1368*

Marine

1.3804*

Fruit

1.1424*

Meat

.6424

Handicrafts

1.0475

Pawnshops

.5379

Rural Banks

.9225*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
CLIENT-CUSTOMER

Marine

.81250

.42936

RELATIONSHIP

Fruit

.00000

.69075

Meat

-.50000

.69075

Handicrafts

.25000*

.53098

Lending

.18421

.35755

Rural Banks

.12500*

.53098

Marine

.68750

.54110

Fruit

-.12500*

.76523

Meat

-.62500

.76523

Handicrafts

.12500*

.62481

.05921

.48609

-.12500*

.53098

.03750

.74273

Meat

-.79250

.74273

Handicrafts

-.20750

.57532

Lending

-.71355

.39596

Pawnshops

-.25583

.45651

Rural Banks

-.79250

.57532

Marine

-.03750

.74273

Meat

-.83000

.93949

Handicrafts

-.24500

.81362

Lending

-.75105

.69841

Pawnshops

-.29333

.73443

.81362

Pawnshops

Rural Banks

Lending
Pawnshops
Fruit

Marine

QUALITY ASSURANCE

Fruit

Rural Banks

-.83000

.79250*

.74273

Fruit

.83000

.93949

Handicrafts

.58500

.81362

Lending

.07895

.69841

Pawnshops

.53667

.73443

.81362

Marine

Meat

Rural Banks

.00000

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

CLIENT-CUSTOMER

Marine

RELATIONSHIP
Pawnshops

Rural Banks

QUALITY ASSURANCE

Marine

Fruit

.066

-.0546

Fruit

1.000

-1.3950

Meat

.473

-1.8950

Handicrafts

.640

-.8223

Lending

.609

-.5379

Rural Banks

.815

-.9473

Marine

.211

-.4053

Fruit

.871

-1.6704

Meat

.419

-2.1704

Handicrafts

.842

-1.1368

Lending

.904*

-.9225

Pawnshops

.815

-1.1973

Fruit

.960

-1.4625

Meat

.292

-2.2925

Handicrafts

.720

-1.3694

Lending

.079

-1.5132

Pawnshops

.578

-1.1778

Rural Banks

.176

-1.9544

Marine

.960

-1.5375

Meat

.382

-2.7273

Handicrafts

.765

-1.8881

Lending

.288

-2.1615

Pawnshops

.692

-1.7766

-2.4731

-.7075

Rural Banks
Meat

Marine

.314
.292

Fruit

.382*

-1.0673

Handicrafts

.476

-1.0581

Lending

.911

-1.3315

Pawnshops

.469

-.9466

-1.6431

Rural Banks

1.000

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

CLIENT-CUSTOMER

Marine

1.6796

RELATIONSHIP

Fruit

1.3950

Meat

.8950

Pawnshops

Handicrafts
Lending

Rural Banks

Marine

Fruit

Meat

.9063

Rural Banks

1.1973*

Marine

1.7803

Fruit

1.4204*

Meat

.9204

Handicrafts

1.3868*

Lending

1.0409*

Pawnshops
QUALITY ASSURANCE

1.3223*

.9473*

Fruit

1.5375

Meat

.7075*

Handicrafts

.9544

Lending

.0861

Pawnshops

.6661

Rural Banks

.3694

Marine

1.4625

Meat

1.0673

Handicrafts

1.3981

Lending

.6594

Pawnshops

1.1899

Rural Banks

.8131*

Marine

2.2925*

Fruit

2.7273*

Handicrafts

2.2281

Lending

1.4894

Pawnshops

2.0199

Rural Banks

1.6431*

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

J)
QUALITY ASSURANCE

Handicrafts

Lending

Pawnshops

Rural Banks

Marine

.20750

.57532

Fruit

.24500

.81362

Meat

-.58500

.81362

Lending

-.50605*

.51683

Pawnshops

-.04833

.56456

Rural Banks

-.58500*

.66432

Marine

.71355

.39596

Fruit

.75105*

.69841

Meat

-.07895

.69841

Handicrafts

.50605*

.51683

Pawnshops

.45772

.38017

Rural Banks

-.07895*

.51683

Marine

.25583

.45651

Fruit

.29333*

.73443

Meat

-.53667

.73443

.04833

.56456

Lending

-.45772

.38017

Rural Banks

-.53667

.56456

Marine

.79250

.57532

Fruit

.83000

.81362

Meat

.00000

.81362

Handicrafts

.58500

.66432

Lending

.07895

.51683

Pawnshops

.53667*

.56456

Handicrafts

Multiple Comparisons
LSD

Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

Sig.

95%
Confidence
Interval
Lower Bound

QUALITY ASSURANCE

Handicrafts

Lending

Pawnshops

Rural Banks

Marine

.720

-.9544

Fruit

.765

-1.3981

Meat

.476

-2.2281

Lending

.333

-1.5498

Pawnshops

.932

-1.1885

Rural Banks

.384

-1.9266

Marine

.079

-.0861

Fruit

.288

-.6594

Meat

.911

-1.4894

Handicrafts

.333

-.5377

Pawnshops

.235*

-.3100

Rural Banks

.879

-1.1227

Marine

.578

-.6661

Fruit

.692

-1.1899

Meat

.469

-2.0199

Handicrafts

.932

-1.0918

Lending

.235

-1.2255

Rural Banks

.347

-1.6768

Marine

.176

-.3694

Fruit

.314

-.8131

Meat

1.000

-1.6431

Handicrafts

.384

-.7566

Lending

.879

-.9648

-.6035

Pawnshops

.347

Multiple Comparisons
LSD
Dependent Variable

(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence
Interval
Upper Bound

QUALITY ASSURANCE

Handicrafts

Marine

1.3694

Fruit

1.8881

Meat
Lending

Lending

Pawnshops

Rural Banks

1.0581
.5377*

Pawnshops

1.0918

Rural Banks

.7566*

Marine

1.5132

Fruit

2.1615*

Meat

1.3315

Handicrafts

1.5498*

Pawnshops

1.2255*

Rural Banks

.9648*

Marine

1.1778

Fruit

1.7766*

Meat

.9466

Handicrafts

1.1885

Lending

.3100

Rural Banks

.6035

Marine

1.9544

Fruit

2.4731

Meat

1.6431

Handicrafts

1.9266

Lending

1.1227

Pawnshops

1.6768*

*. The mean difference is significant at the 0.05 level.

CORRELATIONS
/VARIABLES=Average1 Average2
/PRINT=TWOTAIL NOSIG
/MISSING=PAIRWISE.

Correlations

[DataSet1] D:\Documents\TEMPORARY\Java\Java.sav

Correlations
Average

AVERAGE

Pearson Correlation
Average 1

Sig. (2-tailed)

.009

N
AVERAGE
2

.375**

Pearson Correlation

48

48

**

.375

Sig. (2-tailed)

.009

48

48

**. Correlation is significant at the 0.01 level (2-tailed).

ONEWAY BusinessPlanning BY Industry

/MISSING ANALYSIS
/POSTHOC=LSD ALPHA(0.05).

Oneway

[DataSet1] D:\Documents\TEMPORARY\Java\Java.sav

ANOVA
BUSINESS PLANNING
Sum of

df

Mean

Squares

Sig.

Square

Between Groups

11.917

1.986

Within Groups

25.059

41

.611

Total

36.976

47

Post Hoc Tests

3.250

.010

Multiple Comparisons
Dependent Variable: BUSINESS PLANNING
LSD
(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

Sig.

95%
Confidence

J)

Interval
Lower Bound

Marine

Fruit

.79125

.61806

.208

-.4569

Meat

-.79375

.61806

.206

-2.0419

Handicrafts

-.08375

.47875

.862

-1.0506

Lending

-.67349*

.32950

.047

-1.3389

Pawnshops

-.74653

.37988

.056

-1.5137

Rural Banks

-1.58375*

.47875

.002

-2.5506

-.79125

.61806

.208

-2.0394

-1.58500

.78179

.049

-3.1639

-.87500

.67705

.203

-2.2423

.58118

.016

-2.6384

.61115

.016

-2.7720

-2.37500

.67705

.001

-3.7423

.79375

.61806

.206

-.4544

1.58500

.78179

.049

.0061

Handicrafts

.71000

.67705

.300

-.6573

Lending

.12026

.58118

.837

-1.0534

Pawnshops

.04722

.61115

.939

-1.1870

Rural Banks

-.79000

.67705

.250

-2.1573

Marine

.08375

.47875

.862

-.8831

Fruit

.87500

.67705

.203

-.4923

Meat

-.71000

.67705

.300

-2.0773

Lending

-.58974

.43008

.178

-1.4583

Pawnshops

-.66278

.46980

.166

-1.6116

.55281

.010

-2.6164

.32950

.047

.0081

Fruit

1.46474

.58118

.016

.2910

Meat

-.12026

.58118

.837

-1.2940

Handicrafts

.58974

.43008

.178

-.2788

Pawnshops

-.07304

.31635

.819

-.7119

Marine
Meat
Fruit

Handicrafts
Lending
Pawnshops
Rural Banks
Marine
Fruit

Meat

Handicrafts

Rural Banks
Lending

Marine

-1.46474
-1.53778

-1.50000
.67349

-.91026*

Rural Banks

.43008

.040

-1.7788

Multiple Comparisons
Dependent Variable: BUSINESS PLANNING
LSD
(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence Interval

Upper Bound

Marine

Fruit

2.0394

Meat

.4544

Handicrafts

.8831

Lending
Pawnshops

.0207

Rural Banks

-.6169*

Marine
Meat
Fruit

Meat

Handicrafts

Lending

-.0081*

Handicrafts

.4569
-.0061*
.4923

Lending

-.2910*

Pawnshops

-.3035*

Rural Banks

-1.0077*

Marine

2.0419

Fruit

3.1639*

Handicrafts

2.0773

Lending

1.2940

Pawnshops

1.2815

Rural Banks

.5773

Marine

1.0506

Fruit

2.2423

Meat

.6573

Lending

.2788

Pawnshops

.2860

Rural Banks

-.3836*

Marine

1.3389*

Fruit

2.6384*

Meat

1.0534

Handicrafts

1.4583

Pawnshops

.5658

Rural Banks

-.0417*

Multiple Comparisons

Dependent Variable: BUSINESS PLANNING

LSD
(I) IIndustry Clusters

(J) IIndustry Clusters

Mean

Std.

Difference (I-

Error

Sig.

95%
Confidence

J)

Interval
Lower Bound

Marine

Pawnshops

Rural Banks

.74653

.37988

.056

-.0207

Fruit

1.53778

.61115

.016

.3035

Meat

-.04722

.61115

.939

-1.2815

Handicrafts

.66278

.46980

.166

-.2860

Lending

.07304

.31635

.819

-.5658

Rural Banks

-.83722

.46980

.082

-1.7860

Marine

1.58375

.47875

.002

.6169

Fruit

2.37500

.67705

.001

1.0077

Meat

.79000

.67705

.250

-.5773

.55281

.010

.3836

.43008

.040

.0417

.46980

.082

-.1116

Handicrafts

1.50000

Lending

.91026

Pawnshops

.83722

Multiple Comparisons
Dependent Variable: BUSINESS PLANNING
LSD
(I) IIndustry Clusters

(J) IIndustry Clusters

95% Confidence Interval

Upper Bound

Pawnshops

Rural Banks

Marine

1.5137

Fruit

2.7720

Meat

1.1870

Handicrafts

1.6116*

Lending

.7119

Rural Banks

.1116*

Marine

2.5506

Fruit

3.7423*

Meat

2.1573

Handicrafts

2.6164*

Lending

1.7788*

Pawnshops

1.7860*

*. The mean difference is significant at the 0.05 level.