HTMT ratio (discriminant-validity)
| Constructs | (1) | (2) | (3) | (4) |
|---|---|---|---|---|
| (1) Client Business Performance | ||||
| (2) Loan Repayment Problem | 0.557 | |||
| (3) Malpractice in Credit Assessment | 0.457 | 0.619 | ||
| (4) Procedural Deficiencies | 0.375 | 0.619 | 0.534 |
| Constructs | (1) | (2) | (3) | (4) |
|---|---|---|---|---|
| (1) Client Business Performance | ||||
| (2) Loan Repayment Problem | 0.557 | |||
| (3) Malpractice in Credit Assessment | 0.457 | 0.619 | ||
| (4) Procedural Deficiencies | 0.375 | 0.619 | 0.534 |
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