Table 8 Hypothesis testing results... | Emerald Publishing

Table 8

Hypothesis testing results (bootstrapping at 5,000 subsamples)

Hypothesis	Coefficient	SD	T-stat	p-values	Decision
Direct Effects
H1: Procedural Deficiencies → Client Business Performance	0.167	0.088	1.892	0.059*	Accepted
H2: Malpractice in Credit Assessment → Client Business Performance	0.302	0.079	3.831	0.000***	Accepted
H3: Procedural Deficiencies → Loan Repayment Problem	0.242	0.050	4.838	0.000***	Accepted
H4: Malpractice in Credit Assessment → Loan Repayment Problem	0.214	0.065	3.312	0.001***	Accepted
Mediating Effects
H5: Procedural Deficiencies → Client Business Performance → Loan Repayment Problem	0.028	0.019	1.480	0.139	Rejected
H6: Malpractice in Credit Assessment → Client Business Performance → Loan Repayment Problem	0.051	0.022	2.294	0.022**	Accepted
Moderating Effects
H7: Moderating Effect 1 → Loan Repayment Problem	−0.116	0.061	1.910	0.056*	Accepted
H8: Moderating Effect 2 → Loan Repayment Problem	−0.003	0.067	0.039	0.969	Rejected

Hypothesis	Coefficient	SD	T-stat	p-values	Decision
Direct Effects
H1: Procedural Deficiencies → Client Business Performance	0.167	0.088	1.892	0.059*	Accepted
H2: Malpractice in Credit Assessment → Client Business Performance	0.302	0.079	3.831	0.000***	Accepted
H3: Procedural Deficiencies → Loan Repayment Problem	0.242	0.050	4.838	0.000***	Accepted
H4: Malpractice in Credit Assessment → Loan Repayment Problem	0.214	0.065	3.312	0.001***	Accepted
Mediating Effects
H5: Procedural Deficiencies → Client Business Performance → Loan Repayment Problem	0.028	0.019	1.480	0.139	Rejected
H6: Malpractice in Credit Assessment → Client Business Performance → Loan Repayment Problem	0.051	0.022	2.294	0.022**	Accepted
Moderating Effects
H7: Moderating Effect 1 → Loan Repayment Problem	−0.116	0.061	1.910	0.056*	Accepted
H8: Moderating Effect 2 → Loan Repayment Problem	−0.003	0.067	0.039	0.969	Rejected

Note(s): ***, ** and * Denotes significance level at 1%, 5% and 10%

Source(s): Table by authors