Reliability and validity
| Questions | Factor loading | Cronbach's alpha | Composite reliability (CR) | Average variance extracted (AVE) | VIF |
|---|---|---|---|---|---|
| CBP1: To what extent are you satisfied with your sale and profit growth of the business | 0.88 | 2.05 | |||
| CBP2: To what extent are you satisfied with your business performance relative to competitors | 0.86 | 0.83 | 0.90 | 0.74 | 1.98 |
| CBP3: To what extent are you satisfied with overall business performance | 0.85 | 1.73 | |||
| LCT1: The amount of loan is sufficient | 0.88 | 2.13 | |||
| LCT2: The rate of interest is reasonable and affordable | 0.94 | 0.90 | 0.94 | 0.84 | 4.76 |
| LCT3: The schedule for loan repayment is reasonable | 0.93 | 4.37 | |||
| LRP1: My repayment is getting better | 0.90 | 2.43 | |||
| LRP2: I repay my debt regularly | 0.88 | 0.88 | 0.92 | 0.80 | 2.28 |
| LRP3: My income from the business is sufficient to repay the loan as per the agreement | 0.90 | 2.41 | |||
| SC1: A frequent communication and interaction between borrowers and MFIs | 0.89 | 2.37 | |||
| SC2: A frequent interaction in the workshop organized by MFIs | 0.89 | 0.86 | 0.92 | 0.78 | 2.11 |
| SC3: Borrowers and MFI are honest and truthful concerning loan agreements | 0.88 | 2.17 |
| Questions | Factor loading | Cronbach's alpha | Composite reliability (CR) | Average variance extracted (AVE) | VIF |
|---|---|---|---|---|---|
| CBP1: To what extent are you satisfied with your sale and profit growth of the business | 0.88 | 2.05 | |||
| CBP2: To what extent are you satisfied with your business performance relative to competitors | 0.86 | 0.83 | 0.90 | 0.74 | 1.98 |
| CBP3: To what extent are you satisfied with overall business performance | 0.85 | 1.73 | |||
| LCT1: The amount of loan is sufficient | 0.88 | 2.13 | |||
| LCT2: The rate of interest is reasonable and affordable | 0.94 | 0.90 | 0.94 | 0.84 | 4.76 |
| LCT3: The schedule for loan repayment is reasonable | 0.93 | 4.37 | |||
| LRP1: My repayment is getting better | 0.90 | 2.43 | |||
| LRP2: I repay my debt regularly | 0.88 | 0.88 | 0.92 | 0.80 | 2.28 |
| LRP3: My income from the business is sufficient to repay the loan as per the agreement | 0.90 | 2.41 | |||
| SC1: A frequent communication and interaction between borrowers and MFIs | 0.89 | 2.37 | |||
| SC2: A frequent interaction in the workshop organized by MFIs | 0.89 | 0.86 | 0.92 | 0.78 | 2.11 |
| SC3: Borrowers and MFI are honest and truthful concerning loan agreements | 0.88 | 2.17 |
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