Table 3

Factor loadings and cross loadings

Latent constructs and manifest variablesFinancial ExpMicrofinance lendingContinued existence
Financial Exp
FE130.727***0.4660.307
FE160.786***0.4770.365
FE80.517***0.2120.285
Microfinance lending
MA10.4500.714***0.465
MA120.4590.812***0.405
MA130.4870.831***0.508
MA20.2180.633***0.645
MA30.4100.792***0.557
MA60.4180.598***0.345
MA70.4440.595***0.248
MA80.5130.774***0.513
Continued existence
SW120.4600.4900.825***
SW70.4470.6440.939***
SW80.3240.5760.886***

Note(s): ***p < 0.0001; Legends: Financial Exp – financial experience

Source(s): Authors’ own work

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