Validating an Over-Indebtedness Measurement Scale That is Specifically Tailored to Borrower’s Context
Table 4: Summary of CFA result
| Items |
Loadings |
CR |
AVE |
HTMT(Below 0.85) |
| Over-indebtedness (OID) |
| OID |
|
0.838 |
0.552 |
Yes |
| OID_BASIC |
| OID_BASIC |
|
0.8791 |
0.580 |
Yes |
| OID1_B |
0.756 |
|
|
|
| OID2_B |
0.801 |
|
|
|
| OID6_B |
0.727 |
|
|
|
| OID_ECO |
| OID_ECO |
|
0.831 |
0.563 |
Yes |
| OID4_E |
0.752 |
|
|
|
| OID5_E |
0.809 |
|
|
|
| OID10_E |
0.683 |
|
|
|
| OID_PSY |
| OID_PSY |
|
0.825 |
0.509 |
Yes |
| OID7_P |
0.640 |
|
|
|
| OID9_P |
0.615 |
|
|
|
| OID11_P |
0.786 |
|
|
|
| OID12_P |
0.795 |
|
|
|
| Path coefficients |
|
Path- coefficients |
t-Statistics |
P Values |
Significant |
| OID -> OID_BASIC |
0.373 |
17.368 |
0.000 |
Significant |
| OID -> OID_ECO |
0.422 |
22.973 |
0.000 |
Significant |
| OID -> OID_PSY |
0.452 |
23.943 |
0.000 |
Significant |
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