Variables

Unstandardized Coefficients

t

P-Values

Collinearity Statistics

B

Std. Error

Tolerance

VIP

(Constant)

2.032

0.917

2.214

0.029

Gender

−0.039

0.117

−0.331

0.741

0.766

1.306

Age

−0.019

0.110

−0.172

0.864

0.590

1.696

Experience

0.014

0.059

0.243

0.808

0.816

1.225

Working

0.009

0.060

0.145

0.885

0.713

1.403

Education

0.072

0.054

1.326

0.188

0.877

1.140

RLM System

0.209

0.084

2.497

0.014*

0.765

1.307

Loan Disbursement

0.131

0.073

1.787

0.077

0.883

1.133

Loan Design/Type

−0.194

0.073

−2.669

0.009**

0.814

1.229

Loan Port Management

−0.175

0.088

−1.989

0.049*

0.558

1.791

Over Indebtedness

0.081

0.091

0.889

0.376

0.744

1.345

Corporate Governance

0.246

0.077

3.182

0.002**

0.946

1.057

Commercialization

0.197

0.073

2.704

0.008**

0.862

1.161

F value

7.574

R²

0.462

Adjusted R²

0.401

Durbin Walt

1.807

DF

(12,106)

Number

119