Model

B

Beta

t

p

VIF

F

R

R²

Adjusted R²

1

(constant)

0.566

-

7.183

0.000***^b

-

8.237

0.348^b

0.121

0.106

Personal bank account

0.050

0.232

4.020

0.000**

1.566

Small loan

0.034

0.096

1.672

0.096

1.291

Financial management behavior

0.051

0.148

2.710

0.007*

1.154

Diversified payment

0.016

0.042

0.769

0.442

1.107

Financial literacy

0.123

0.091

1.662

0.098

1.125