Table 1 Reliability test Item Mean SD...

Table 1

Reliability test

Item	Mean	SD	Corrected item − total correlation	Cronbach's alpha if item deleted	Total Cronbach's alpha
Credit history					0.720
Q16a	3.90	1.153	0.379	0.699
Q16b	3.90	0.952	0.530	0.675
Q16c	3.58	0.941	0.359	0.701
Q16d	3.74	0.859	0.417	0.694
Q16e	3.36	0.956	0.297	0.711
Q16f	3.57	1.194	0.429	0.690
Q16g	2.95	1.062	0.302	0.711
Q16h	3.38	1.087	0.457	0.685
Q16i	2.28	0.995	0.248	0.718
Q16j	2.75	1.032	0.393	0.696
Income level					0.643
Q19a	2.31	1.127	0.493	0.601
Q19c	3.90	0.952	0.265	0.615
Q19e	2.20	1.216	0.479	0.503
Q19f	3.74	0.859	0.380	0.619
Q19g	2.26	1.379	0.551	0.631
Q19h	3.38	1.303	0.529	0.543
Assets					0.736
Q21f	2.33	1.377	0.534	0.691
Q21g	2.61	1.475	0.540	0.689
Q21h	3.33	1.321	0.402	0.714
Q21i	3.57	0.949	0.206	0.738
Q21j	3.04	1.252	0.141	0.753
Q21k	3.23	1.113	0.228	0.738
Q21m	1.61	1.101	0.465	0.706
Q21n	1.78	1.098	0.479	0.704
Q21o	1.65	1.108	0.485	0.703
Q21p	1.82	1.345	0.479	0.701
Awareness					0.653
Q22a	3.40	1.020	0.353	0.620
Q22b	3.59	0.954	−0.219	0.730
Q22c	3.57	1.026	0.274	0.638
Q22d	3.12	0.957	0.430	0.604
Q22e	3.21	1.100	0.397	0.609
Q22f	2.86	1.160	0.433	0.599
Q22g	3.30	0.926	0.295	0.633
Q22h	3.17	1.016	0.489	0.589
Q22i	3.38	1.084	0.557	0.568
Network capability					0.712
Q22a	3.47	1.121	0.269	0.702
Q22b	3.56	0.989	0.332	0.696
Q22c	3.49	1.005	0.282	0.701
Q22d	3.47	1.061	0.177	0.711
Q22e	3.42	1.088	0.277	0.701
Q22f	3.41	0.921	0.233	0.705
Q22g	3.36	1.042	0.165	0.712
Q22h	3.90	1.153	0.407	687

Item	Mean	SD	Corrected item − total correlation	Cronbach's alpha if item deleted	Total Cronbach's alpha
Credit history					0.720
Q16a	3.90	1.153	0.379	0.699
Q16b	3.90	0.952	0.530	0.675
Q16c	3.58	0.941	0.359	0.701
Q16d	3.74	0.859	0.417	0.694
Q16e	3.36	0.956	0.297	0.711
Q16f	3.57	1.194	0.429	0.690
Q16g	2.95	1.062	0.302	0.711
Q16h	3.38	1.087	0.457	0.685
Q16i	2.28	0.995	0.248	0.718
Q16j	2.75	1.032	0.393	0.696
Income level					0.643
Q19a	2.31	1.127	0.493	0.601
Q19c	3.90	0.952	0.265	0.615
Q19e	2.20	1.216	0.479	0.503
Q19f	3.74	0.859	0.380	0.619
Q19g	2.26	1.379	0.551	0.631
Q19h	3.38	1.303	0.529	0.543
Assets					0.736
Q21f	2.33	1.377	0.534	0.691
Q21g	2.61	1.475	0.540	0.689
Q21h	3.33	1.321	0.402	0.714
Q21i	3.57	0.949	0.206	0.738
Q21j	3.04	1.252	0.141	0.753
Q21k	3.23	1.113	0.228	0.738
Q21m	1.61	1.101	0.465	0.706
Q21n	1.78	1.098	0.479	0.704
Q21o	1.65	1.108	0.485	0.703
Q21p	1.82	1.345	0.479	0.701
Awareness					0.653
Q22a	3.40	1.020	0.353	0.620
Q22b	3.59	0.954	−0.219	0.730
Q22c	3.57	1.026	0.274	0.638
Q22d	3.12	0.957	0.430	0.604
Q22e	3.21	1.100	0.397	0.609
Q22f	2.86	1.160	0.433	0.599
Q22g	3.30	0.926	0.295	0.633
Q22h	3.17	1.016	0.489	0.589
Q22i	3.38	1.084	0.557	0.568
Network capability					0.712
Q22a	3.47	1.121	0.269	0.702
Q22b	3.56	0.989	0.332	0.696
Q22c	3.49	1.005	0.282	0.701
Q22d	3.47	1.061	0.177	0.711
Q22e	3.42	1.088	0.277	0.701
Q22f	3.41	0.921	0.233	0.705
Q22g	3.36	1.042	0.165	0.712
Q22h	3.90	1.153	0.407	687

Source(s): Compiled by the authors

Sharing Unavailable