Variables

Model 1

Model 2

Model 3

Model 4

Model 5

Model 6

Beta

S.E

Sig.

Beta

S.E

Sig.

Beta

S.E

Sig.

Beta

S.E

Sig.

Beta

S.E

Sig.

Beta

S.E

Sig.

Gender

0.040***

(0.126)

−0.026*

(0.093)

−0.047***

(0.093)

−0.054

(0.094)

−0.013

(0.090)

−0.055**

(0.090)

Age

−0.117*

(0.103)

−0.016

(0.076)

−0.015

(0.076)

−0.002

(0.076)

0.034

(0.074)

0.044

(0.073)

Martial Status

−0.382

(0.152)

−0.381**

(0.111)

−0.366

(0.112)

−0.389**

(0.111)

−0.370**

(0.107)

−0.354***

(0.106)

Job

0.156

(0.077)

0.047**

(0.057)

0.041

(0.058)

.064

(0.057)

0.014

(0.055)

0.021

(0.056)

Education

0.063**

(0.055)

−0.017

(0.041)

−0.021

(0.042)

−0.030

(0.041)

−0.009

(0.040)

−0.025

(0.041)

Satisfaction

0.529***

(0.051)

0.000

0.607***

(0.066)

0.000

0.502***

(0.068)

0.000

0.569***

(0.073)

0.000

0.631****

(0.082)

0.000

Procedural cost

0.086*

(0.048)

0.034

0.085*

(0.049)

0.048

0.095*

(0.048)

0.027

0.113*

(0.047)

0.017

0.118*

(0.048)

0.004

Financial cost

0.319****

(0.052)

0.000

0.334***

(0.053)

0.000

0.206***

(0.068)

0.003

0.288***

(0.050)

0.000

0.215****

(0.066)

0.000

Relational cost

−0.264**

(0.048)

0.000

−0.272***

(0.048)

0.000

−0.244***

(0.048)

0.000

−0.413***

(0.058)

0.000

−0.399***

(0.060)

0.000

Satisfaction x procedural cost

−0.179**

(0.095)

0.740

−0.242*

(−0.140)

0.061

Satisfction x financial cost

0.026*

(0.099)

0.031

0.100*

(0.128)

0.038

Satisfaaction x relational cost

−0.213*

(0.100)

0.035

−0.236*

(0.140)

0.024

R²

0.399***

0.327***

0.389***

0.329***

0.392***

Adjusted R²

0.377

0.322

0.384

0.324

0.393

F-value

62.531

60.854

79.700

61.262

79.310