Table 6 Binary logistic regression on item 30 and item 32 of the TFL-G
Variable | Item 30 | Item 32 | ||||
|---|---|---|---|---|---|---|
Coefficient B | Standard error | Exp (B) | Coefficient B | Standard error | Exp (B) | |
Disposable Income (upper half of the highest income) | .102 | − 159 | 1.108 | − .011 | .182 | .989 |
Informed about stocks | .063 | .207 | 1.065 | .385 | .246 | 1.469 |
Informed about equity funds | .545* | .253 | 1.725 | .782* | .345 | 2.186 |
Owns no bank account | − .390 | .386 | .677 | − .252 | .413 | .778 |
Bank account with overdraft | .220 | .208 | 1.246 | .412 | .243 | 1.510 |
Bank account without overdraft | .014 | .183 | 1.014 | .090 | .204 | 1.095 |
No plausible answer about overdraft | .400 | .763 | 1.492 | − 415 | .755 | 1.514 |
Owns no credit card | .023 | .142 | 1.023 | .235 | .162 | 1.265 |
Rent self-financed | .052 | .214 | 1.053 | .202 | .256 | 1.224 |
Rent family-financed | − .150 | .177 | .861 | − .132 | .197 | .877 |
Rent government-financed | − .016 | .363 | .984 | .170 | .427 | 1.186 |
Gender (male) | .047 | .147 | 1.048 | .057 | .168 | 1.059 |
High School GPA | − .632*** | .128 | .532 | − .516*** | .143 | .597 |
Vocational training (none) | − .628** | .236 | .534 | − .312 | .269 | .732 |
Parents’ origin (not German) | − .422** | .151 | .656 | − .361* | .171 | .697 |
Constant | 2.523*** | .459 | 12.463 | 2.308*** | .513 | 10.050 |
Pseudo R2 (Cox and Snell) | .064 | .054 | ||||
Pseudo R2 (Nagelkerke) | .088 | .080 | ||||