Table 2 Regression results Behavior Loan... | Emerald Publishing

Table 2

Regression results

	Behavior	Loan	Behavior: Loan + savings	Loan + arbitrage	Knowledge	Loan	Knowledge: savings	Arbitrage	Attitude
Age	0.019	0.048**	0.004	0.004	0.006	−0.002	0.022	−0.001	0.002
Sex (female = 1)	−0.059	−0.078	−0.096*	−0.004	−0.009	0.038	−0.076	0.012	0.011
BACKGROUND	0.069	0.061	0.065	0.081	−0.041	−0.083	0.018	−0.056	−0.020
INDEPENDENCE	0.011	−0.018	0.062	−0.010	0.026	−0.014	0.108	−0.016	0.013
Budget surplus	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
ASPIRATION	0.079	0.136	0.053	0.049	0.088	0.295***	−0.075	0.042	−0.125*
PERFORMANCE	−0.005	−0.012	0.031	−0.033	−0.019	−0.044	−0.047	0.033	0.021
Talent management	0.058	0.097	0.037	0.039	0.039	0.115**	0.003	−0.002	−0.035
Patience	0.075	−0.053	0.018	0.261	0.228	0.044	0.522	0.118	0.038
Risk-taking	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
No present bias	−0.094	−0.304	−0.006	0.027	0.049	−0.159	0.360	−0.054	0.134

	Behavior	Loan	Behavior: Loan + savings	Loan + arbitrage	Knowledge	Loan	Knowledge: savings	Arbitrage	Attitude
Age	0.019	0.048**	0.004	0.004	0.006	−0.002	0.022	−0.001	0.002
Sex (female = 1)	−0.059	−0.078	−0.096*	−0.004	−0.009	0.038	−0.076	0.012	0.011
BACKGROUND	0.069	0.061	0.065	0.081	−0.041	−0.083	0.018	−0.056	−0.020
INDEPENDENCE	0.011	−0.018	0.062	−0.010	0.026	−0.014	0.108	−0.016	0.013
Budget surplus	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
ASPIRATION	0.079	0.136	0.053	0.049	0.088	0.295***	−0.075	0.042	−0.125*
PERFORMANCE	−0.005	−0.012	0.031	−0.033	−0.019	−0.044	−0.047	0.033	0.021
Talent management	0.058	0.097	0.037	0.039	0.039	0.115**	0.003	−0.002	−0.035
Patience	0.075	−0.053	0.018	0.261	0.228	0.044	0.522	0.118	0.038
Risk-taking	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
No present bias	−0.094	−0.304	−0.006	0.027	0.049	−0.159	0.360	−0.054	0.134

Note(s): ***p < 0.01; **p < 0.05; *p < 0.1

In the linear regression models, the dependent variable is a component of financial literacy as indicated in the first row

Source(s): Authors’ own work