Total, direct, and indirect effects
| Standardized total effects | Financial inclusion | Financial literacy |
|---|---|---|
| Financial literacy | 0.311*** | 0.000 |
| Sustainability | 0.541*** | 0.144** |
| Standardized direct effects | Financial inclusion | Financial literacy |
| Financial literacy | 0.311*** | 0.000 |
| Sustainability | 0.435*** | 0.144** |
| Standardized indirect effects | Financial inclusion | Financial literacy |
| Financial literacy | 0.000 | 0.000 |
| Sustainability | 0.088*** | 0.000 |
| Standardized total effects | Financial inclusion | Financial literacy |
|---|---|---|
| Financial literacy | 0.311*** | 0.000 |
| Sustainability | 0.541*** | 0.144** |
| Financial inclusion | Financial literacy | |
| Financial literacy | 0.311*** | 0.000 |
| Sustainability | 0.435*** | 0.144** |
| Financial inclusion | Financial literacy | |
| Financial literacy | 0.000 | 0.000 |
| Sustainability | 0.088*** | 0.000 |
Note(s): n = 379; significance level: ***p < 0.0001 and **p < 0.005
Source(s): Created by authors
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