Model

B

Beta

t

p

VIF

F

R

R²

Adjusted R²

1

(constant)

0.434

-

4.545

0.000 ^b

6.542

0.490

0.240

0.203

Family size

0.016

0.096

1.598

0.111

1.370

Education

0.019

0.150

2.022

0.044*

2.101

Religion

−0.044

−0.089

−1.630

0.104

1.131

Income per month

0.029

0.215

3.688

0.000**

1.299

Age

0.015

0.112

1.315

0.189

2.769

Registered residence

0.068

0.189

3.071

0.002*

1.447

Married

0.004

0.012

0.133

0.894

3.042

Divorced

0.088

0.153

1.875

0.062

2.545

Widow

0.070

0.061

0.981

0.327

1.485

Personal bank account

0.054

0.040

0.736

0.462

1.125

Small loan

0.019

0.048

0.890

0.374

1.107

Diversified payment

0.030

0.086

1.571

0.117

1.154

Financial management behavior

0.015

0.041

0.708

0.479

1.291

Financial literacy

0.020

0.091

1.421

0.156

1.566