Table 3 provides beta (B) coefficie

Table 3 provides beta (B) coefficient and Exp(B) which was exponentiated coefficient. The beta coefficient is the original coefficient. Its positive and negative signs indicate the direction of relationship between the independent variables and the dependent variable. The positive sign represents an increase in the independent variable, associated with an increase in the predicted probability of dependent variable (the probability of having credit card). The negative sign reflects an increase in the dependent variable, related to a decrease in the predicted probability of dependent variable (probability of having credit card). The original coefficients are presented as logit value, where a value of 0.00 equals to an odd value of 1.0 and a probability of 0.50. The negative values of the original coefficient means an odd less than 1.00 and probabilities less than 0.50. The exponentiated coefficients are the logarithm of the original coefficients; therefore, they are interpreted differently from the original coefficient.

The exponentiated coefficient will not have negative value. Because the logarithm of 0 (no effect) is 1.0, therefore an exponentiated coefficient of 1.0 represents a relationship with no direction. Exponentiated coefficients larger than 1.0 means a positive association and a value less than 1.0 reflects a negative correlation.

Results (Indonesian) 1:

Tabel 3 menyediakan koefisien beta (B) dan Exp(B) yang exponentiated koefisien. Koefisien beta adalah koefisien asli. Tanda-tanda positif dan negatif menunjukkan arah hubungan antara variabel independen dan variabel dependen. Tanda positif mewakili peningkatan variabel independen, terkait dengan peningkatan probabilitas diperkirakan variabel dependen (probabilitas memiliki kartu kredit). Tanda negatif mencerminkan peningkatan variabel dependen, berkaitan dengan penurunan kemungkinan diperkirakan variabel dependen (probabilitas memiliki kartu kredit). Koefisien asli disajikan sebagai nilai logit, dimana nilai 0,00 setara dengan nilai yang aneh 1.0 dan probabilitas 0,50. Nilai-nilai negatif koefisien asli berarti aneh kurang dari 1,00 dan probabilitas kurang 0,50. Koefisien exponentiated adalah logaritma koefisien asli; oleh karena itu, mereka ditafsirkan berbeda dari koefisien asli.Koefisien exponentiated tidak akan memiliki nilai negatif. Karena logaritma 0 (tidak ada efek) 1.0, oleh karena itu exponentiated koefisien 1.0 mewakili hubungan dengan tidak arah. Koefisien Exponentiated lebih besar daripada 1.0 berarti sebuah asosiasi yang positif dan nilai kurang dari 1,0 mencerminkan korelasi negatif.