B

S.E.

Wald

df

Sig.

Exp(B)

P

−0.579

0.177

10.656

1

0.001

0.56

Inc

3.459

0.591

34.284

1

0.000

31.792

Nf

−0.342

0.402

0.725

1

0.395

0.71

Edu

1.106

0.218

25.857

1

0.000

3.023

Age

−1.079

0.252

18.33

1

0.000

0.34

Gender

0.812

0.443

3.359

1

0.067

2.253

Cog

1.875

0.927

4.091

1

0.043

6.52

Constant

−5.933

2.571

5.326

1

0.021

0.003