yu issn 1450-863 x godina xiii broj 1 / 2011. - horizonti.ekfak.kg.ac.rs

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EKONOMSKI HORIZONTI, 2011, 13, (1) 4. RESULTS OF THE ANALYSIS WITH REGARD TO DIFFERENT FEATURES In this part of the paper the results of conjoint analysis carried out in different subgroups will be presented. To this end, respondents were divided on the basis of the characteristics identified in the section 2. For each subgroup, utility function parameters were calculated in accordance with the methodology for the entire group of respondents. The obtained results are presented in the table 4 3 . Table 4 Results of conjoint analysis across different groups of respondents Partial utilities for: Attribute Category of the attribute Monthly account maintenance fee Monthly fee for card usage Number of charge free ATMs in Poland The penalty of withdrawing money from the ATM of another bank Online transfer fee Gender Female -13,45 -3,66 6,56 -2,08 -2,68 Male -15,19 -6,79 0,77 -7,04 -7,47 Unemployed -12,40 -3,55 6,13 -2,78 -3,29 Work status Casual work -17,08 -7,21 0,64 -6,62 -7,61 Steady work -12,40 -3,55 6,13 -2,78 -3,29 Source: Own work 3 In the table the minimum values were highlighted with italics and the maximum values with underline (with regard to specific attribute). The symbol "*" represents an irrational response of the respondents, which reflects in sign of the regression coefficient (partial utility) for the certain factor, in accordance to other group of respondents. 133
EKONOMSKI HORIZONTI, 2011, 13, (1) Table 4 Continuation Partial utilities for: Attribute Category of the attribute Monthly account maintenance fee Monthly fee for card usage Number of charge free ATMs in Poland The penalty of withdrawing money from the ATM of another bank Online transfer fee Place of residence Amount of money allowed to spend each month Accommod ation Over 200 000 residents -14,11 -6,18 2,23 -4,20 -4,50 Between 199 000 and 50 000 -15,54 -7,02 1,86 -7,43 -9,26 residents Between 49 000 and 10 000 -14,26 -5,00 4,13 -3,75 -5,14 residents Less than 10 000 residents -13,26 -2,17 8,50 -1,76 -1,10 Over 2000 zł -12,38 -9,08 0,87 -7,78 -4,86 Between 1999 and 1500 zł -18,88 -6,30 -0,41* -7,68 -8,42 Between 1499 and 1000 zł -17,66 -7,03 3,16 -5,82 -7,00 Between 999 and 500 zł -13,64 -4,09 6,16 -2,46 -4,33 Less than 500 zł -10,71 -3,37 4,70 -3,67 -1,15 Family house -7,75 -2,29 6,82 -1,42 1,03* Own flat -14,48 -7,90 -0,43* -6,58 -8,27 Rented flat -17,71 -6,48 3,63 -5,44 -7,00 Digs -16,71 -9,39 4,43 -4,62 -8,86 Dormitory -11,47 -1,19 7,38 -1,25 -1,04 Entire group of respondents - -17,35 -7,75 1,18 -6,69 -7,28 Source: Own work 134
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YU ISSN 1450-863 X GODINA XIII BROJ
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4 ECONOMIC HORIZONS YEAR XIII KRAGU
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