Table 1 Hierarchical regression analysis... | Emerald Publishing

Table 1

Hierarchical regression analysis

Predictor	Model 1	Model 2	Model 3	Tolerance	VIF
	β	β	β
Constant	4.449	2.972	2.121	n/a	n/a
Control variables
Age group	−0.031**	−0.016**	−0.010**	n/a	n/a
Education level	−0.120**	−0.135**	−0.129**	n/a	n/a
Marital status	−0.064**	−0.085*	−0.003*	n/a	n/a
Home ownership	−0.142*	−0.190 **	−0.085**	n/a	n/a
Duration in business operation	−0.254**	−0.080**	−0.165*	n/a	n/a
Main variables
Financial inclusion		0.369*	0.258*	0.696	1.561
Financial literacy			0.340*	0.854	1.171
R²	0.106	0.201	0.300
Adj. R²	0.005	0.089	0.183
ΔR²	0.106	0.095	0.099
ΔF	1.045	5.094	5.935

Predictor	Model 1	Model 2	Model 3	Tolerance	VIF
	β	β	β
Constant	4.449	2.972	2.121	n/a	n/a
Control variables
Age group	−0.031**	−0.016**	−0.010**	n/a	n/a
Education level	−0.120**	−0.135**	−0.129**	n/a	n/a
Marital status	−0.064**	−0.085*	−0.003*	n/a	n/a
Home ownership	−0.142*	−0.190 **	−0.085**	n/a	n/a
Duration in business operation	−0.254**	−0.080**	−0.165*	n/a	n/a
Main variables
Financial inclusion		0.369*	0.258*	0.696	1.561
Financial literacy			0.340*	0.854	1.171
R²	0.106	0.201	0.300
Adj. R²	0.005	0.089	0.183
ΔR²	0.106	0.095	0.099
ΔF	1.045	5.094	5.935

Note(s): n = 379; significance level: **p < 0.01 and *p < 0.05

Source(s): Created by authors