Factor loadings significant for manifest variables
| Latent constructs and manifest variables | Loadings | SE | t-values | p-values | VIF |
|---|---|---|---|---|---|
| Financial Exp | |||||
| FE13 | 0.727*** | 0.055 | 13.116 | 0.000 | 1.089 |
| FE16 | 0.786*** | 0.039 | 19.983 | 0.000 | 1.123 |
| FE8 | 0.517*** | 0.089 | 5.813 | 0.000 | 1.055 |
| Microfinance lending | |||||
| MA1 | 0.714*** | 0.038 | 18.627 | 0.000 | 1.987 |
| MA12 | 0.812*** | 0.028 | 29.369 | 0.000 | 2.897 |
| MA13 | 0.831*** | 0.023 | 36.581 | 0.000 | 2.938 |
| MA2 | 0.633*** | 0.046 | 13.747 | 0.000 | 1.858 |
| MA3 | 0.792*** | 0.030 | 26.669 | 0.000 | 2.730 |
| MA6 | 0.598*** | 0.043 | 13.937 | 0.000 | 1.571 |
| MA7 | 0.595*** | 0.051 | 11.735 | 0.000 | 1.658 |
| MA8 | 0.774*** | 0.027 | 28.950 | 0.000 | 1.991 |
| Continued existence | |||||
| SW12 | 0.825*** | 0.026 | 32.152 | 0.000 | 1.842 |
| SW7 | 0.939*** | 0.009 | 103.153 | 0.000 | 2.346 |
| SW8 | 0.886*** | 0.020 | 45.207 | 0.000 | 2.623 |
| Latent constructs and manifest variables | Loadings | SE | VIF | ||
|---|---|---|---|---|---|
| FE13 | 0.727*** | 0.055 | 13.116 | 0.000 | 1.089 |
| FE16 | 0.786*** | 0.039 | 19.983 | 0.000 | 1.123 |
| FE8 | 0.517*** | 0.089 | 5.813 | 0.000 | 1.055 |
| MA1 | 0.714*** | 0.038 | 18.627 | 0.000 | 1.987 |
| MA12 | 0.812*** | 0.028 | 29.369 | 0.000 | 2.897 |
| MA13 | 0.831*** | 0.023 | 36.581 | 0.000 | 2.938 |
| MA2 | 0.633*** | 0.046 | 13.747 | 0.000 | 1.858 |
| MA3 | 0.792*** | 0.030 | 26.669 | 0.000 | 2.730 |
| MA6 | 0.598*** | 0.043 | 13.937 | 0.000 | 1.571 |
| MA7 | 0.595*** | 0.051 | 11.735 | 0.000 | 1.658 |
| MA8 | 0.774*** | 0.027 | 28.950 | 0.000 | 1.991 |
| SW12 | 0.825*** | 0.026 | 32.152 | 0.000 | 1.842 |
| SW7 | 0.939*** | 0.009 | 103.153 | 0.000 | 2.346 |
| SW8 | 0.886*** | 0.020 | 45.207 | 0.000 | 2.623 |
Note(s): ***p < 0.0001; Legends: Financial Exp – financial experience
Source(s): Authors’ own work
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