Paying by Mobile Phone | OR | S.E. | Z | P>z | 95% C.I. | |
Young Age | 2.1436 | 2.2888 | 0.7100 | 0.4750 | 0.2644 | 17.3780 |
Middle Age | 1.4251 | 1.5304 | 0.3300 | 0.7410 | 0.1737 | 11.6935 |
KMA | 15.8932*** | 4.9820 | 8.8200 | 0.0000 | 8.5978 | 29.3789 |
Female | 1.7828 | 0.5345 | 1.9300 | 0.0540 | 0.9906 | 3.2086 |
Married | 1.3099 | 0.4280 | 0.8300 | 0.4090 | 0.6904 | 2.4851 |
Income | 3.0665 | 2.1316 | 1.6100 | 0.1070 | 0.7852 | 11.9766 |
Formerly married | 2.4325 | 1.6846 | 1.2800 | 0.1990 | 0.6260 | 9.4525 |
Basic Education | 4.1707* | 3.0025 | 1.9800 | 0.0470 | 1.0173 | 17.0995 |
Senior High School | 4.8877* | 3.7964 | 2.0400 | 0.0410 | 1.0665 | 22.4000 |
Tertiary Education | 2.4419* | 0.9311 | 2.3400 | 0.0190 | 1.1565 | 5.1559 |
Informally employee | 4.7950* | 3.1220 | 2.4100 | 0.0160 | 1.3384 | 17.1789 |
Formally employee | 1.0903 | 0.0885 | 1.0700 | 0.2860 | 0.9300 | 1.2783 |
Constant | 2.1436 | 2.2888 | 0.7100 | 0.4750 | 0.2644 | 17.3780 |
No. of Observation = 1040 | ||||||
R2 = 0.2316 | ||||||
Test | Categories | X 2 | P-Value | |||
Overall model evaluation | Likelihood ratio test | -187.23135 | 0.0000 | |||
Goodness-of-fit test | Hosmer & Lemeshow | 11.95 | 0.1539 |