Variables into the model

Regression coefficient B

Standard error

Wald value

Degrees of freedom

Sig.

Exp (B)

Gender

−2.730

0.940

8.442

1

0.004

0.065

Monthly average income

0.001

0.000

44.339

1

0.000

1.001

Education years

−0.150

0.060

6.238

1

0.013

0.861

Cognitive approach

46.061

2

0.000

Cognitive approach (1)

4.474

0.971

21.220

1

0.000

87.747

Cognitive approach (2)

2.761

0.424

42.457

1

0.000

15.821

Constant

−2.650

0.981

7.297

1

0.007

0.071