| Variable | VIF | 1/VIF |
| PLANT | 2.02 | 0.496 |
| T | 5.08 | 0.197 |
| T * PLANT | 6.40 | 0.156 |
| GENDER | 1.05 | 0.954 |
| HSIZE | 1.15 | 0.871 |
| LSIZE | 1.35 | 0.738 |
| DISTAN | 1.32 | 0.759 |
| OFFWORK | 1.14 | 0.877 |
| LSECUR | 1.07 | 0.936 |
| LOAN | 1.33 | 0.750 |
| Mean VIF | 2.19 | - |