| Variables in equation | Variables not in equation | |||||
| Variables | B | Wald | Sig. | Variables | Score | Sig. |
| Income | 1.310 | 26.631 | 0.000 | Family Size | 0.057 | 0.811 |
| WayofLoan | −3.059 | 240.350 | 0.000 | Gender | 1.199 | 0.274 |
| Expend | 0.771 | 0.246 | 0.002 | Age | 0.090 | 0.764 |
| Policy | 3.063 | 150.385 | 0.000 | Edu | 0.031 | 0.859 |
| LandArea | 4.074 | 0.302 | 0.000 | Conven | 3.662 | 0.056 |
| Constant | −2.602 | 0.280 | 0.000 |
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