Correlation matrix
| Variables | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TEA | 1 | |||||||
| 2 | Age | −0.00169 | 1 | ||||||
| 3 | Education | 0.0195** | −0.194*** | 1 | |||||
| 4 | Gender | 0.00182 | −0.00869 | −0.0733*** | 1 | ||||
| 5 | Internet | 0.0562*** | 0.00438 | 0.0149* | 0.00547 | 1 | |||
| 6 | Construction worker | 0.00819 | 0.0133 | −0.00735 | 0.00206 | −0.339*** | 1 | ||
| 7 | Ln Investment | 0.00855 | −0.00519 | −0.0703*** | −0.00421 | −0.588*** | 0.463*** | 1 | |
| 8 | NPL | −0.0445*** | −0.0538*** | 0.0901*** | −0.0105 | 0.0379*** | 0.0516*** | 0.0228** | 1 |
| 9 | NPF | −0.0110 | −0.0268*** | 0.0439*** | −0.00120 | −0.0306*** | 0.0104 | 0.0974*** | 0.492*** |
| 10 | Population density | −0.0375*** | −0.00498 | −0.0190** | −0.00296 | −0.378*** | 0.0316*** | 0.348*** | −0.139*** |
| 11 | Ln GDP | −0.0473*** | −0.0395*** | 0.0633*** | −0.00853 | −0.421*** | 0.0617*** | 0.377*** | 0.339*** |
| 12 | Factor Religiosity | 0.0192** | 0.0597*** | −0.0544*** | 0.00335 | −0.352*** | 0.664*** | 0.531*** | −0.0474*** |
| 13 | Ln Islamic school | 0.0342*** | 0.0592*** | −0.0885*** | 0.00902 | −0.195*** | 0.529*** | 0.404*** | −0.143*** |
| 14 | Ln Seminary | 0.0192** | 0.0510*** | −0.0975*** | 0.00455 | −0.261*** | 0.521*** | 0.382*** | −0.109*** |
| 15 | Ln Hajj | 0.0180* | 0.0555*** | −0.0787*** | 0.00521 | −0.317*** | 0.529*** | 0.463*** | −0.0712*** |
| 16 | Ln Mosque | 0.0466*** | 0.0685*** | −0.0717*** | 0.00661 | −0.224*** | 0.554*** | 0.349*** | 0.00690 |
| 17 | Ln Halal | 0.0372*** | 0.0626*** | −0.117*** | 0.00599 | −0.489*** | 0.640*** | 0.570*** | −0.153*** |
| Variables | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TEA | 1 | |||||||
| 2 | Age | −0.00169 | 1 | ||||||
| 3 | Education | 0.0195** | −0.194*** | 1 | |||||
| 4 | Gender | 0.00182 | −0.00869 | −0.0733*** | 1 | ||||
| 5 | Internet | 0.0562*** | 0.00438 | 0.0149* | 0.00547 | 1 | |||
| 6 | Construction worker | 0.00819 | 0.0133 | −0.00735 | 0.00206 | −0.339*** | 1 | ||
| 7 | Ln Investment | 0.00855 | −0.00519 | −0.0703*** | −0.00421 | −0.588*** | 0.463*** | 1 | |
| 8 | NPL | −0.0445*** | −0.0538*** | 0.0901*** | −0.0105 | 0.0379*** | 0.0516*** | 0.0228** | 1 |
| 9 | NPF | −0.0110 | −0.0268*** | 0.0439*** | −0.00120 | −0.0306*** | 0.0104 | 0.0974*** | 0.492*** |
| 10 | Population density | −0.0375*** | −0.00498 | −0.0190** | −0.00296 | −0.378*** | 0.0316*** | 0.348*** | −0.139*** |
| 11 | Ln GDP | −0.0473*** | −0.0395*** | 0.0633*** | −0.00853 | −0.421*** | 0.0617*** | 0.377*** | 0.339*** |
| 12 | Factor Religiosity | 0.0192** | 0.0597*** | −0.0544*** | 0.00335 | −0.352*** | 0.664*** | 0.531*** | −0.0474*** |
| 13 | Ln Islamic school | 0.0342*** | 0.0592*** | −0.0885*** | 0.00902 | −0.195*** | 0.529*** | 0.404*** | −0.143*** |
| 14 | Ln Seminary | 0.0192** | 0.0510*** | −0.0975*** | 0.00455 | −0.261*** | 0.521*** | 0.382*** | −0.109*** |
| 15 | Ln Hajj | 0.0180* | 0.0555*** | −0.0787*** | 0.00521 | −0.317*** | 0.529*** | 0.463*** | −0.0712*** |
| 16 | Ln Mosque | 0.0466*** | 0.0685*** | −0.0717*** | 0.00661 | −0.224*** | 0.554*** | 0.349*** | 0.00690 |
| 17 | Ln Halal | 0.0372*** | 0.0626*** | −0.117*** | 0.00599 | −0.489*** | 0.640*** | 0.570*** | −0.153*** |
| Variables | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | TEA | |||||||||
| 2 | Age | |||||||||
| 3 | Education | |||||||||
| 4 | Gender | |||||||||
| 5 | Internet | |||||||||
| 6 | Construction worker | |||||||||
| 7 | Ln Investment | |||||||||
| 8 | NPL | |||||||||
| 9 | NPF | 1 | ||||||||
| 10 | Population density | −0.0658*** | 1 | |||||||
| 11 | Ln GDP | 0.165*** | 0.683*** | 1 | ||||||
| 12 | Factor Religiosity | −0.0682*** | −0.0569*** | −0.231*** | 1 | |||||
| 13 | Ln Islamic school | 0.00429 | −0.0727*** | −0.266*** | 0.835*** | 1 | ||||
| 14 | Ln Seminary | −0.131*** | −0.148*** | −0.350*** | 0.859*** | 0.880*** | 1 | |||
| 15 | Ln Hajj | −0.0829*** | 0.120*** | −0.0996*** | 0.849*** | 0.940*** | 0.880*** | 1 | ||
| 16 | Ln Mosque | 0.0183** | −0.0679*** | −0.187*** | 0.829*** | 0.928*** | 0.819*** | 0.917*** | 1 | |
| 17 | Ln Halal | −0.117*** | 0.109*** | −0.0551*** | 0.852*** | 0.776*** | 0.812*** | 0.806*** | 0.789*** | 1 |
| Variables | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | TEA | |||||||||
| 2 | Age | |||||||||
| 3 | Education | |||||||||
| 4 | Gender | |||||||||
| 5 | Internet | |||||||||
| 6 | Construction worker | |||||||||
| 7 | Ln Investment | |||||||||
| 8 | NPL | |||||||||
| 9 | NPF | 1 | ||||||||
| 10 | Population density | −0.0658*** | 1 | |||||||
| 11 | Ln GDP | 0.165*** | 0.683*** | 1 | ||||||
| 12 | Factor Religiosity | −0.0682*** | −0.0569*** | −0.231*** | 1 | |||||
| 13 | Ln Islamic school | 0.00429 | −0.0727*** | −0.266*** | 0.835*** | 1 | ||||
| 14 | Ln Seminary | −0.131*** | −0.148*** | −0.350*** | 0.859*** | 0.880*** | 1 | |||
| 15 | Ln Hajj | −0.0829*** | 0.120*** | −0.0996*** | 0.849*** | 0.940*** | 0.880*** | 1 | ||
| 16 | Ln Mosque | 0.0183** | −0.0679*** | −0.187*** | 0.829*** | 0.928*** | 0.819*** | 0.917*** | 1 | |
| 17 | Ln Halal | −0.117*** | 0.109*** | −0.0551*** | 0.852*** | 0.776*** | 0.812*** | 0.806*** | 0.789*** | 1 |
Note(s): *p < 0.05, **p < 0.01, ***p < 0.001
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