Table 4 Multilevel binary logistical regression analyses for savings and indebtedness
Savings | Debt | Overdue bill(s) | Leasing | |||||
|---|---|---|---|---|---|---|---|---|
Exp(B) | Sig. | Exp(B) | Sig. | Exp(B) | Sig. | Exp(B) | Sig. | |
Sex: 0 = woman, 1 = man | .650 | .000 | 1.070 | .676 | 1.001 | .996 | 1.011 | .973 |
Age: 0 = 26–30 years, 1 = 18–25 years | 2.005 | .000 | .631 | .007 | .679 | .141 | 1.075 | .807 |
Nationality: 0 = foreign, 1 = Swiss | 1.844 | .017 | .583 | .036 | .508 | .079 | .338 | .000 |
Residence: 0 = rural, 1 = urban | 1.026 | .845 | .781 | .098 | .932 | .679 | .975 | .922 |
Linguistic region: ref. German-speaking | ||||||||
French-speaking region | .529 | .000 | 1.617 | .000 | 1.868 | .001 | 2.770 | .000 |
Italian-speaking region | 1.200 | .132 | 1.510 | .000 | .841 | .340 | 5.779 | .000 |
Income level: ref. below CHF 1000 per month | ||||||||
From CHF 1000 to CHF 2000 per month | 1.697 | .003 | 1.372 | .148 | .871 | .684 | 1.634 | .538 |
From CHF 2001 to CHF 3000 per month | 1.826 | .013 | 1.092 | .789 | .643 | .370 | .876 | .867 |
From CHF 3001 to CHF 4000 per month | 4.496 | .000 | 1.400 | .161 | .519 | .220 | 3.032 | .275 |
From CHF 4001 to CHF 5000 per month | 7.614 | .000 | 1.198 | .602 | .506 | .279 | 2.920 | .239 |
From CHF 5001 to CHF 6000 per month | 16.433 | .000 | .702 | .342 | .538 | .391 | 2.909 | .265 |
From CHF 6001 to CHF 7000 per month | 74.339 | .000 | .549 | .078 | .098 | .000 | 1.552 | .684 |
From CHF 7001 to CHF 8000 per month | 28.492 | .000 | 1.021 | .965 | .427 | .238 | 2.874 | .296 |
Composition of the household: ref. with two parents | ||||||||
With the mother | .602 | .018 | 2.028 | .001 | 3.205 | .000 | 2.079 | .130 |
Alone | .196 | .000 | 2.865 | .000 | 2.422 | .007 | 4.612 | .002 |
As a couple | .245 | .000 | 2.228 | .000 | 1.178 | .732 | 2.171 | .004 |
As a couple, with child(ren) | .421 | .034 | 2.872 | .000 | .766 | .534 | 6.492 | .001 |
Other | .298 | .000 | 1.876 | .002 | 2.335 | .006 | 2.297 | .113 |
Level of education: ref. high (tertiary education) | ||||||||
Low (elementary education) | .560 | .185 | 1.577 | .341 | 3.140 | .001 | 6.557 | .003 |
Medium (professional training) | .926 | .774 | 1.713 | .001 | 2.279 | .004 | 4.261 | .001 |
Main activity: ref. in education | ||||||||
Working (full-time and part-time work) | 1.613 | .179 | .808 | .426 | 1.882 | .180 | 2.081 | .382 |
Other (unemployed, home management and disability) | 1.247 | .535 | 1.191 | .542 | 5.161 | .000 | .944 | .934 |
Axis 1: prestige–power attitude; standardised variable | 1.011 | .865 | 1.155 | .042 | 1.224 | .006 | 1.260 | .126 |
Axis 2: economical management attitude; standardised variable | 1.094 | .266 | .942 | .320 | .742 | .001 | .910 | .299 |
Axis 3: goal-oriented attitude; standardised variable | 1.082 | .218 | 1.059 | .387 | 1.046 | .589 | .884 | .206 |