Fyp Adil Final (2)

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AN EXPLANATORY STUDY ON EASE OF USE, PERCEIVED USEFULNESS, AND TRUST TOWARDS

ADOPTION OF INTERNET BANKING AMONG COLLEGES STUDENTS IN KAZAKHSTAN

AN EXPLANATORY STUDY ON EASE OF USE, PERCEIVED USEFULNESS,

AND TRUST TOWARDS ADOPTION OF INTERNET BANKING AMONGCOLLEGE STUDENTS IN KAZAKHSTAN

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AKNOWLEDGEMENT

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ABSTRACT

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T"&l' () C(#*'#*$

AKNOWLEDGEMENT.......................................................................I

ABSTRACT....................................................................................II

LIST OF TABLES............................................................................V

LIST OF FIGURES.........................................................................VI

CHAPTER ONE...............................................................................21.1 BACKGROUND OF THE STUDY................................................................21.2 PROBLEM IDENTIFICATION.....................................................................41.3 RESEARCH OBJECTIVES.......................................................................... 7

1.3.1 GENERAL OBJECTIVE.......................................................................71.3.2 SPECIFIC OBJECTIVES......................................................................7

1.4 HYPOTHESIS OF THE STUDY...................................................................81.5 SIGNIFICANCE OF THE RESEARCH..........................................................8

1.5.1 THEORETICALPERSPECTIVE........................................................................81.5.2 MANAGEMENTPERSPECTIVE.......................................................................81.5.3 ACADEMICPERSPECTIVE............................................................................1.! LIMITATION OF THE STUDY.....................................................................1.7 DEFINITION OF TERMINOLOGY.............................................................1"1.8 RESEARCH FRAME#ORK......................................................................111. SCOPE OF THE STUDY..........................................................................12

CHAPTER TWO LITERATURE REVIEW...........................................142.1 INTRODUCTION....................................................................................142.2 ADOPTIONOFINTERNETBANKING$DEPENDENTVARIABLE%..............................142.3 FACTORSINFLUENCINGTHEADOPTIONOFINTERNETBANKING...........................15

2.3.1 Perceived ease o !se "I#de$e#de#% Varia&'e 1(...........................1)2.3.2 Perceived !se!'#ess "I#de$e#de#% Varia&'e 2(.............................1*2.3.3 Tr!s% "I#de$e#de#% Varia&'e 3(......................................................17

2.4 RELATEDTHEORIESONONLINEBANKING.....................................................12.+.1 Tec,#o'o- acce$%a#ce /ode' "TA0(............................................12.+.2 i!sio# o I##ova%io#s T,eor "OI(...........................................242.+.2.1 Re'a%ive adva#%a-e....................................................................242.+.2.2 Co/$'e5i%................................................................................. 212.+.2.3 Co/$a%i&i'i%.............................................................................. 212.+.2.+ O&serva&i'i%.............................................................................. 222.+.2.) Tria'a&i'i%...................................................................................22

CHAPTER THREE REASERCH METHODOLOGY...............................24

3.1 RESEARCHDESIGNANDSAMPLINGPOPULATION.............................................243.2 INSTRUMENTATIONS.................................................................................2!

3.2.1 I#%er#e% Ba#6i#-............................................................................2*3.2.2 Perceived se!'#ess....................................................................273.2.3 Perceived Ease o !se...................................................................2

ADILKHAN ZHAKSYLYKTP)*+)-


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2.3.2.+ Tr!s%........................................................................................... 343.3 DATAANALYSIS......................................................................................323.4 ETHICALCONSIDERATION..........................................................................323.5 SUMMARYOFRESEARCHMETHODOLOGY.......................................................32

CHAPTER FOUR - DATA PRESENTATION AND ALYSIS......................34

4.1 INTRODUCTION.........................................................................................344.2 RELIABILITYSTATISTICS..............................................................................354.3 RESPONDENTSDEMOGRAPHIC.....................................................................3!

+.3.1 Ge#der.......................................................................................... 3*+.3.2 A-e -ro!$......................................................................................37+.3.+ I#co/e ra#-e................................................................................ +4+.3.) %i'i8a%io# o I#%er#e% a#d ,o9 o%e# %,e are !se i%.....................+2+.3.* P!r$ose o !si#- I#%er#e%..............................................................+3

4.4 INTERNETBANKING...................................................................................444.5 TRUST....................................................................................................4!4.! PERCEIVEDEASEOFUSE...........................................................................484.7 PERCEIVEDUSEFULNESS............................................................................5"

4.8 MULTIPLEREGRESSIONSANALYSIS................................................................52CHAPTER FIVE FINDINGS, RECOMMENDATION AND CONCLUSION.

5.1 INTRODUCTION.........................................................................................555.2 RESEARCHOBJECTIVESANDFINDINGS..........................................................555.3 RESEARCHIMPLICATIONS............................................................................58

).3.1 Perceived Ease o se "I#de$e#de#% Varia&'e 1(...........................):).3.2 Perceived se!'#ess "I#de$e#de#% Varia&'e 2(............................)).3.3 Tr!s% "I#de$e#de#% Varia&'e 3(......................................................*1

5.4 RECOMMENDATION....................................................................................!1).+.1 Raise A9are#ess...........................................................................*2).+.3 esi-#i#- ser Frie#d' I#%erace.................................................*3

5.5 LIMITATIONOFTHERESEARCH.....................................................................!4

5.! SUGGESTIONFORFUTURERESEARCH...........................................................!45.7 CONCLUSION...........................................................................................!5

!." REFERENCES.........................................................................!!

#." APPENDICES.........................................................................#



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Li$* () T"&l'$

Table 1: Likert 5 Scales___________________________________________________38

Table 2: Reliability Statistics______________________________________________42

Table 3: Gender of the respondents_________________________________________43

Table 4: !e of the respondents____________________________________________44

Table 5: "i!hest ed#cation le$els of the respondents____________________________45

Table %: &nco'e ran!es of the respondents____________________________________4(

Table (: )tili*ation of &nternet_____________________________________________4+

Table 8: ,#rpose of #sin! &nternet__________________________________________5-

Table +: .#ltiple Re!ression nalysis_______________________________________5+



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/i!#re 1: Theoretical /ra'e0ork___________________________________________18

/i!#re 2: Sa'ple si*e____________________________________________________31

/i!#re 3: Gender of the Respondents________________________________________44

/i!#re 4: !e of the Respondents___________________________________________45

/i!#re 5: "i!hest d#cation le$el__________________________________________4%

/i!#re %: &nco'e Ran!e__________________________________________________48

/i!#re (: )tili*ation of &nternet____________________________________________4+

/i!#re 8: ,#rpose of #sin! &nternet_________________________________________51

/i!#re 1-: S). of Tr#st__________________________________________________54

/i!#re 11: S). of ,ercei$ed ease of #se_____________________________________5%/i!#re 12: S). of ,ercei$ed )sef#lness_____________________________________58

/i!#re13: Re!ression___________________________________________________1--

/i!#re14: o'p#te ariable_____________________________________________1--

/i!#re15: Reliability nalysis____________________________________________1-1

/i!#re1(: ariable $ie0_________________________________________________1-2

/i!#re18: reatin! "isto!ra'____________________________________________1-2



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CHAPTER ONE.

INTRODUCTION



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CHAPTER ONE

/0/ BACKGROUND OF THE STUDY

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/01 PROBLEM IDENTIFICATION

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6a$2&' %4ro!64 o26%&r# I2%&r2&% !sa6& 4as "&&2 3o!2' a2 $#por%a2% 3a7%or $2 %4&

a'op%$o2 '&7$s$o2 .Gar%2&r, *))"1> I2 %4& sa#& ar&a o3 %r!s%, T&& &% a> .*)/01 s4o; %4a%

s&7!r$%( a2' %r!s% $s %4& #a$2 '&%&r#$2a2%s o3 &&7%ro2$7 %$7?&%$26 $2 a$r$2& $2'!s%r$&s>

S!4 a2' Ha2 .*))*1 3o!2' %r!s% a2 $#por%a2% 3a7%or $2 7o2s!#&r a'op%$o2 o3 $2%&r2&%

"a2?$26 !s$26 a W&""as&' s!r9&(, ;4$& R&4a &% a .*))1 o"%a$2&' s$#$ar r&s!%s $2S$26apor&>



14/111



H&27&, %4$s r&s&ar74 4as "&&2 a$#&' a% pro9$'$26 s!"s%a2%$a $23or#a%$o2 o2 "&2&3$%s %4a%

7a2 "& 6a$2&' %4ro!64 a'op%$o2 o3 o2$2& "a2?$26> Do&s %r!s% pa( a2 $#por%a2% ro& $2

o2$2& "a2?$26 a'op%$o2



15/111



/07 RESEARCH OB8ECTIVES

/070/ GENERAL OB8ECTIVE

To s%!'( %4& 3a7%ors %4a% a33&7% s%!'&2%s %o a'op% o2$2& "a2?$26 a#o26 7o&6& s%!'&2%s

$2 Ka@a?4s%a2> To sp&7$3( %4& s%!'(, s!"=&7%s o3 %4$s r&s&ar74 ;$ "& 7o&6& s%!'&2%s>

/0701 SPECIFIC OB8ECTIVES

/> To $29&s%$6a%& %4& r&a%$o2s4$p "&%;&&2 p&r7&$9&' &as& o3 !s& a2' a'op%$o2 o3 o2$2&

"a2?$26 a#o26 7o&6& s%!'&2%s $2 Ka@a?4s%a2>

*> To $29&s%$6a%& %4& r&a%$o2s4$p "&%;&&2 p&r7&$9&' !s&3!2&ss a2' a'op%$o2 o3 o2$2&

"a2?$26 a#o26 7o&6& s%!'&2%s $2 Ka@a?4s%a2>

> To $29&s%$6a%& %4& r&a%$o2s4$p "&%;&&2 %r!s% a2' a'op%$o2 o3 o2$2& "a2?$26 a#o26

7o&6& s%!'&2%s $2 Ka@a?4s%a2>

0> To pro9$'& r&7o##&2'a%$o2s o2 %4& ;&a?2&ss&s so o"s&r9&' $2 %4& r&s&ar74>



16/111



/09 HYPOTHESIS OF THE STUDY

N( S*"*'5'#*$ T%2'$ () A#"l%$i$

HO0/ T4&r& $s a s$62$3$7a2% r&a%$o2s4$p "&%;&&2

O2$2& Ba2?$26 a2' P&r7&$9&' &as& o3 !s&

M!%$p& R&6r&ss$o2 A2a(s$s

HO01 T4&r& $s 2o s$62$3$7a2% r&a%$o2s4$p "&%;&&2

O2$2& Ba2?$26 a2' P&r7&$9&' Us&3!2&ss


HO07 T4&r& $s a s$62$3$7a2% r&a%$o2s4$p "&%;&&2

O2$2& Ba2?$26 a2' Tr!s%


/0: SIGNIFICANCE OF THE RESEARCH

T4& $#por%a27& o3 ;4( %4$s r&s&ar74 2&&'s %o "& 7o2'!7%&' $s as 3oo;s> T4& r&s&ar74&r

4op&s %4a% %4$s s%!'( ;$ 7o2%r$"!%& %o 2!#&ro!s "&2&3$%s $2 %&r#s o3 %4&or&%$7a,

#a2a6&2% as ;& as a7a'$7 p&rsp&7%$9&s>

/0:0/ T!'(-'*i3"l 2'-$2'3*i4'

I2 %&r#s o3 %4&or&%$7a, %4$s r&s&ar74 ;o!' 4&p o%4&r 3$r# %o pro9& %4& %4&or( a2' aso

s!ppor% %4& 3!%!r& r&s&ar74, 6&2&ra%&' 6oo' $'&as a2' so pro9$'&s "&%%&r !2'&rs%a2'$26>

/0:01 M"#"+'5'#* 2'-$2'3*i4'

T4$s s%!'( 7o!' 4&p %4& #a2a6&2% %o $27r&as& "&%%&r o2$2& "a2?$26>

/0:07 A3"d'5i3 2'-$2'3*i4'

T4$s r&s&ar74 ;$ "&2&3$% o%4&r 3$r# %o !2'&rs%a2' %4& "&%%&r p&r3or#a27& a2' 7o!' "&

r&3&r&27&' or 6!$'&$2& 3or o%4&r r&s&ar74&r ;4o $s $2%&r&s%&' %o s%!'( %4& o2$2& "a2?$26

$2 a2o%4&r or6a2$@a%$o2>



17/111



/0; LIMITATION OF THE STUDY

T4& r&$a"$$%( o3 %4$s s%!'( '&p&2's o2 %4& 4o2&s%( a2' #or( o3 %4& r&spo2'&2%s $2

6$9$26 %4& $23or#a%$o2 2&&'&'> T4& 3$2'$26s 3ro# %4$s s%!'( s4o!' 2o% "& 6&2&ra$@&' as

;4o& as $% o2( 7o2s$s% a s#a 2!#"&r o3 7o&6& s%!'&2%s 3ro# Ka@a?4s%a2 a2' %4&

r&s!%s o"%a$2&' 3ro# %4$s s%!'( 7o!' "& !2$5!& %o %4$s par%$7!ar sa#p&> T$#& a2' 7os%

7o2s%ra$2%s ar& aso par% o3 %4& $#$%a%$o2 o3 %4$s s%!'(>



18/111



/0< DEFINITION OF TERMINOLOGY

T&r#s Co!rs& Co27&p%!a Op&ra%$o2a

O#li#'=B"#i#+>DV?

O2$2& Ba2?$26 ao;s p&op& %o #a2a6& %4&3!2's $2 %4& a77o!2% %o ;4$74 3ra#&' "a2?

pa(#&2% 7ar', ;$%4o!% &a9$26 %4&$r 4o#& or

o33$7&s, a2' 3ro# a2(;4&r& $2 %4& ;or', *04o!rs a 'a(, - 'a(s a ;&&? $3 %4&( 4a9& a2 a77&ss

%o 7o#p!%&r, ap%op or a s#ar%p4o2& ;$%4 a2

$2%&r2&% 7o22&7%$o2> O2$2& "a2?$26 &%s7!s%o#&rs ro%&( #a2a6& %4&$r 7!rr&2% a2'

7ar' a77o!2%s, op&2 '&pos$%s, r&pa( oa2s, #a?&

pa(#&2%s a2' o%4&r %ra2sa7%$o2s>

O2$2& Ba2?$26 $2 %4$ss%!'( r&3&rs %o 0 $%s

a'op%&' ;4$74 ;as

#&as!r&' !s$26 a po$2% L$?&r% s7a&

P&r7&$9&' &as& o3!s& .IV/1

A77or'$26 %o Da9$s .*))1 p&r7&$9&' &as& o3 !s&$s '&3$2&' as %4& '&6r&& $2 ;4$74 7!s%o#&rs

"&$&9& %4a% !s$26 a par%$7!ar s(s% ;o!' 3r&&

%4 3ro# #&2%a a2' p4(s$7a &33or%>

P&r7&$9&' &as& o3 !s&$2 %4$s s%!'( r&3&rs %o

$%s a'op%&' "(

!s$26 L$?&r% J s7a&po$2%>

P&r7&$9&'

!s&3!2&ss .IV*1A77or'$26 %o Br$a2 .*))1 %4& p&r7&$9&'

!s&3!2&ss .PU1 $s %4& '&6r&& ;4$74 poss$"&

7o2s!#&r $s 7o29$27&' %4a% %4& !s& o3 a

par%$7!ar %oo ;$ pro"a"( $#pro9& 4$s4&r

p&r3or#a27&> T4& p&r7&$9&' !s&3!2&ss o3 &

"a2?$26 %o 7o2s!#&rs ;$ 9ar( 3ro# 7!s%o#&r %o

7!s%o#&r> H&27&, o2& o3 %4& #a$2 4$64$64%&'

p&r7&$9&' !s&3!2&ss $s ;4&2 7!s%o#&r 3&&s

$2%&r2a #o%$9a%$o2 s!74 as s&3&33$7a7( .C4&2 &%

a>, *))* Br!2&r a2' K!#ar, *))J1>

P&r7&$9&' !s&3!2&ss

$2 %4$s s%!'( r&3&rs %o

$%s a'op%&' "(!s$26 L$?&r% J s7a&

po$2%>

Tr!s% .IV1 A77or'$26 %o M7K2$64% a2' C4&r9a2( .*))/1,

%r!s% $s a2 &ss&2%$a 7o#po2&2% $2 a r&a%$o2s4$p

&sp&7$a( ;4&2 r$s? a2' !27&r%a$2%( &$s%> W4&2

a2 $2'$9$'!a %r!s%s a p&rso2, 4& or s4& &p&7%s%4a% %4& o%4&r p&rso2 ;$ "&4a9& $2 a r&spo2s$"&

#a22&r a2' ;$ 2o% %a?& a'9a2%a6& o3 a

'&p&2'&27& !po2 4$# or 4&r .G&3&2 &% a>, *))1>

Tr!s% $2 %4$s s%!'(

r&3&rs %o 0 $%s

a'op%&' "( !s$26

L$?&r% J s7a& po$2%>



19/111



/0@ RESEARCH FRAMEWORK

F$6!r& / T4&or&%$7a Fra#&;or?

D'$3-i2*i(#. IV I#d'2'#d'#* V"-i"&l'$ DV D'2'#d'#*

V"-i"&l'

T4& '$a6ra# a"o9& 4as "&&2 app$&' $2 or'&r %o a2a(s& ;4&%4&r p&r7&$9&' &as& o3 !s&,

p&r7&$9&' !s&3!2&ss, a2' %r!s% ar& %4& 3a7%ors ;4$74 &a' 7o&6& s%!'&2%s $2 a'op%$26

o2$2& "a2?$26>


P'-3'i4'd '"$' () $'

>IV/?

S*d'#*C!"-"3*'-i$*i3$

/0G'#d'-

10A+'

70Ed3"*i(#

90I#3(5' R"#+'

:0U*ili"*i(# () $i#+I#*'-#'*

;0H( ()*'# d( %($' i*

IV1?

T-$* >IV7?


20/111



/0 SCOPE OF THE STUDY

T4$s 3$2a (&ar pro=&7% s%ar%s ;$%4 a '&s7r$p%$o2 o3 %4& 9ar$o!s 7o2%&2%s $2 ;4$74 %4&

pro" s%a%&2% a2' o"=&7%$9&s ar& $29&s%$6a%&'> T4&2, %4& s&7o2' 74ap%&r $s a"o!% %4&

r&9$&; r&a%&' $%&ra%!r&, ;4$74 $27!'&s o2$2& "a2?$26, p&r7&$9&' &as& o3 !s&,

p&r7&$9&' !s&3!2&ss, a2' %r!s%> T4& #&%4o'oo6( o3 %4& r&s&ar74 r&a%&' ;$%4 r&s&ar74

'&s$62 a2' %4& s&&7%$o2 o3 %4& s%!'( ar&as ;$ pr&s&2% $2 C4ap%&r T4r&&> C4ap%&r Fo!r

pr&s&2%s %4& r&s!%s o3 %4& s%!'( a2' %4& 'a%a a2a(s$s> Las% par% o3 %4$s pro=&7% $s &2'&'

;$%4 7o27!s$o2s, $#p$7a%$o2s, $#$%a%$o2s a2' r&7o##&2'a%$o2s>



21/111



CHAPTER TWO.

LITERATURE REVIEW



22/111



CHAPTER TWO LITERATURE REVIEW

10/ INTRODUCTION

T4& $%&ra%!r& r&9$&; 3or %4$s r&s&ar74 pro9$'&s a "r$&3 7ar$3$7a%$o2 o3 %4& #a$2 %4r&&

9ar$a"&s %4a% 4as "&&2 74os&2 3or %4$s r&s&ar74> T4& p!rpos& o3 %4$s 74ap%&r $s %o &por&

%4& ro& o3 &"a2?$26 as a s%ra%&6$7 %oo $2 %4& $#p&2%a%$o2 3or "a2?$26 $2'!s%r( "(

3$2'$26 o!% %4& 7!s%o#&r a'op%$o2 "&4a9$or> F$rs%(, %4& a!%4or ;$ pro9$'& %4& #&a2$26

a2' a "r$&3 '&s7r$p%$o2 o2 %4& a'op%$o2 o3 &"a2?$26 ;4$74 $s %4& '&p&2'&2% 9ar$a"&>

T4& s&7o2' par% o3 %4$s r&s&ar74 ;$ '&s7r$"& %4& #a$2 %4r&& $2'&p&2'&2% 9ar$a"&s> T4&

2a%!r& o3 %4$s r&s&ar74 p!rpos& r&5!$r&s !s %o &por& $#por%a2% a2' "&2&3$7$a 3&a%!r&s

o3 &"a2?$26 a2' %4& $2?a6& "&%;&&2 %4& '&p&2'&2% a2' $2'&p&2'&2% 9ar$a"&s>

101 Ad(2*i(# () I#*'-#'* B"#i#+ >D'2'#d'#* V"-i"&l'?

As $% ;as #&2%$o2&' "&3or& %4& &&7%ro2$7 "a2?$26 as %4& '$s%r$"!%$o2 o3 "a2?s '&%a$s as

;& as pro'!7%s a2' s&r9$7&s %o 7!s%o#&rs "( '$33&r&2% '$s%r$"!%$o2 pa%3or#s ;4$74 7a2

"& !s&' ;$%4 '$33&r&2% %&r#$2a '&9$7&s s!74 as a p&rso2a 7o#p!%&r a2' a #o"$& p4o2&

;$%4 "ro;s&r or '&s?%op so3%;ar& .Ro%74a2a?$%!#2!a$ a2' Sp&27&, *))1> I2 9$&; o3 a

%4$s, %4& 3$2a27$a #&%4o' 7o2%$2!&s %o "& s&&?$26 %o 6a%4&r #or& a2' #or& $23or#a%$o2

o2 3a7&%s %4a% $2'!7& p&op& %o 7arr( o!% %4&$r 3$2a27$a a7%$9$%$&s 9$a %4& $2%&r2&%

.G&rrar' a2' C!22$264a#, *)) Sa%4(&, /1> T4$s a'op%$26 o3 &"a2?$26 4as "&&2

r&s&ar74&' "( #a2( a!%4ors .Sa(ar a2' Wo3&, *))- Er$?sso2, K&r a2' N$sso2,

*))J Qar!;a74$ra%4a2a?! a2' F$2?, *))J G&rrar' a2' C!22$264a#, *))*)) Wa26

&% a>, *)) M!?4&r=&& a2' Na%4, *))1> I2 %4& ;or' o3 "a2?$26, %4& 6ro;%4 o3

$23or#a%$o2 %&742oo6( 4as a #ass$9& &33&7% o2 6ro;%4 o3 a o% #or& 3&$"& pa(#&2%s

#&%4o's ;$%4 #or&!s&r 3r$&2'( 3$2a27$a s&r9$7&s> To'a(, %4& I2%&r2&% "a2?$26 7o2s$s%s



23/111



o3 7o2s!#&rs r&a74$26 %4&$r "a2?$26 a77o!2% a2' %a7?& 3$2a27$a %ra2sa7%$o2 ;$%4 &as&

;$%4o!% 6o$26 %o %4& "a2?$26>

I2 %4$s s%!'(, %4&r& ar& %4r&& 9ar$a"&s %4a% 4a9& "&&2 propos&' as &a'$26 %o %4& a'op%$o2

o3 &"a2?$26 a#o26 7o&6& s%!'&2%s ;4$74 ar& p&r7&$9&' &as& o3 !s&, p&r7&$9&'

!s&3!2&ss, a2' %$#& sa9$26> I2 *))-, C4&2 a2' Bar2&s p$r$7a( o"s&r9&' %4a% %4& %;o

propos&' 9ar$a"&s $& p&r7&$9&' &as& o3 !s& a2' p&r7&$9&' !s&3!2&ss appr&7$a"( 4a9&

a2 $#pa7% o2 7o2s!#&rs< a'op%$o2 '&7$s$o2 %o "a2?$26> Mor&o9&r, G&rrar' a2'

C!22$264a# .*))1 4a9& 3o!2' %4a% %4& a'op%$o2 o3 I2%&r2&% "a2?$26 &a's %o a 6r&a%

%$#& sa9$26 ;4$& $% 7o#&s %o 7o2'!7%$26 a2( 3$2a27$a %ra2sa7%$o2a a7%$9$%(>

107 F"3*(-$ i#)l'#3i#+ *!' "d(2*i(# () I#*'-#'* B"#i#+

1070/ P'-3'i4'd '"$' () $' >I#d'2'#d'#* V"-i"&l' /?

A77or'$26 %o a!%4ors s!74 as G&3&2 a2' S%ra!" .*)))1 a2' AGa4%a2$, H!"o2a, a2'

Wa26 .*))-1 p&r7&$9&' &as& o3 !s& $s %4& &%&2% %o "& a"& %o %4a% %4& $2'$9$'!a a77&p%s

as 7orr&7% ;4$74 po($26 a2 &a7%$26 #&%4o' 7o!' ;& "& ;$%4o!% 7os% %o %4a%

par%$7!ar $2'$9$'!a>

Aa';a2$ .*))/1 a33$r#&' p&r7&$9&' &as& o3 !s& as %4& %&r# %4a% pr&s&2%s %4& &9&s o3 a2

$22o9a%$o2 %4a% $s 2o% '$33$7!% %o "& !2'&rs%oo' "( $2'$9$'!as &ar2, or &9&2 op&ra%&> H&

3!r%4&r s%a%&' %4a% p&r7&$9&' &as& o3 !s& $s %4& s%a6& ;4&r& "!(&rs &p&r$&27& %4& a%&s%

pro'!7% or s&r9$7& %o "& #or& !s&3! a2' &as$&r %o op&ra%& %4a2 $% $s s!"s%$%!%&s

.Aa';a2$, *))/1> L$?&;$s&, Z&$%4a# &% a>, .*))*1 s%a%&' %4a% p&r7&$9&' &as& o3 !s& $s

%4& '&6r&& %o ;4$74 a2 $22o9a%$o2 $s &as( %o !s& a2' "&$26 !2'&rs%oo'> A77or'$26 %o

K!$s#a, La!??a2&2, a2' H$%!2&2, .*))-1 %4& p&r7&$9&' &as& o3 !s& $s %4& p&r7&p%$o2 o37o2s!#&rs %4a% %4&$r %ra2sa7%$o2s o2 %4& $2%&r2&% ;$ r&5!$r& #$2$#!# &33or%> L$?&;$s&,

Nasr$ .*)//1 s%a%&' %4a% p&r7&$9&' &as& o3 !s& #&a2s %4a% %4& 7o2s!#&rs &p&r$#&2% %4&

a%&s% a'9a27&2% a2' &9a!a%& $% $s a'9a2%a6&s 5!$7?(> H& aso 7a$#&' %4a% %4&



24/111



'r$9&rs asso7$a%&' ;$%4 &pa2s$o2 $2 &&7%ro2$7 '$6$%a "a2?$26 %&2' %o "& 'r$9&2 "( %4&

p&r7&$9&' &as& o3 !s& ;4$74 4as "&&2 pro9$'&' %o 7o&6& s%!'&2%s> H&27&, ;$%4

&33or%&ss $2%&r2&% a77&ss, a2(o2& $s a"& %o 7o2'!7% #os% o3 %4&$r %ra2sa7%$o2s ;$%4

#$2$#!# &33or%, 4$64&r 7o##o2 &&7%ro2$7 '$6$%a "a2?$26 3!27%$o2a$%(, as ;& as %4&

r&5!$r&2% asso7$a%&' ;$%4 "a2?$26 so!%$o2s> S!"s%a2%$a r&s&ar74 $2 %4& as% s&9&ra

(&ars pro9$'&s %4& proo3 o3 %4& s$62$3$7a2% r&s!% asso7$a%&' ;$%4 p&r7&$9&' &as& o3 !s& $2

"a2?$26 !sa6& $2%&2%$o2 .H&r2a2 Er$?sso2, *))J Wa26 &% a>, *)) V&2?a%&s4, *)))

V&2?a%&s4 a2' Da9$s, / V&2?a%&s4 a2' Morr$s, *)))1>

10701 P'-3'i4'd $')l#'$$ >I#d'2'#d'#* V"-i"&l' 1?

Mor&o9&r, %4& s&7o2' propos&' 9ar$a"& $s p&r7&$9&' !s&3!2&ss> A77or'$26 %o %4& TAM

#o'&, p&r7&$9&' !s&3!2&ss ar& %4& "&2&3$%s %4a% p&op& "&$&9& %4&( ;$ 6&% 3ro# !s$26

a %&742oo6(> A77or'$26 %o Da9$s &% a> ./*1, p&r7&$9&' !s&3!2&ss r&3&rs %o

7o2s!#&rs< a;ar&2&ss 7o27&r2$26 %4& r&s!%s o3 %4& &27o!2%&r> Da9$s ./1 o!%$2&'

p&r7&$9&' !s&3!2&ss as $2'$9$'!a I2 %4& sa#&

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31/111



CHAPTER THREE.

RESEARCH METHODOLOGY



32/111



CHAPTER THREE REASERCH METHODOLOGY

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http://www.stat.gov.kz/http://www.stat.gov.kz/


33/111



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34/111



701 I#$*-5'#*"*i(#$

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35/111



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39/111



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41/111



CHAPTER FOUR.

DATA PRESENTATION

AND ANALYSIS



42/111



CHAPTER FOUR = DATA PRESENTATION AND ALYSIS

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43/111



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