Model          Standard Coefficient Beta t  Sig 95.0 Confidence Interval for B Collinearity Statistics
 Lower Bound Upper Bound Tolerance VIF
Constant   0.126 0.900 -0.064 0.073    
Utility 0.242 5.923 0.000 0.162 0.322 0.729 1.372
Creditability 0.134 3.216 0.001 0.052 0.214 0.707 1.414
Excitement 0.218 5.269 0.000 0.136 0.299 0.714 1.400
Competency 0.356 8.185 0.000 0.269 0.438 0.647 1.546
Table 9: Coefficients of refined model .