| Statistical Paths | Beta (β) | Std. Dev | T-Value | P-Value | Hypothesis |
| LOA -> U | 0.051NS | 0.066 | 0.766 | 0.444 | Rejected |
| LOO -> U | −0.164*** | 0.067 | 2.466 | 0.014 | Accepted |
| LOPS -> U | 0.358*** | 0.057 | 6.317 | 0.000 | Accepted |
| OQ -> U | 0.215*** | 0.061 | 3.514 | 0.000 | Accepted |
| W-GDP -> U | 0.415*** | 0.074 | 5.579 | 0.000 | Accepted |
| Control Variables | |||||
| Age -> U | −0.111*** | 0.039 | 2.859 | 0.004 | Significant |
| Gender -> U | −0.025NS | 0.040 | 0.635 | 0.526 | Insignificant |
| Education -> U | −0.056NS | 0.040 | 1.392 | 0.164 | Insignificant |
| R2 | 0.505 | ||||
| Adjusted R2 | 0.494 | ||||
| Q2 | 0.390 | ||||