Table III

Factor analysis on factors that induce trust

ItemFactor 1 third-party informationFactor 2 value or competencyFactor 3 similar rulesFactor 4 same belief
Person from organization I know0.7680.190−0.0620.100
Person introduced by a person I know0.8780.0680.097−0.086
Having friends in the organization0.770−0.1680.3370.226
The organization follow similar rules or procedures0.1220.220.8970.087
The person is competent based on background & experience0.0350.9120.0460.138
Have same values with the organization0.1110.7250.4540.009
Have same religious belief with the organization or person0.0920.1270.0840.974

Notes:n=88. Four factors whose eigenvalues are greater than one are loaded. Values in italic indicate item loading from their respective factors

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