Results of the structural equation model estimation
| Coef. | Robust std. Err. | |
|---|---|---|
| D.V. (debt attitude: affective dimension) | ||
| Treatment (= 1 treated subjects) | 0.375** | 0.116 |
| Gender (= 1 female) | −0.399*** | 0.109 |
| Academic ability | −0.010 | 0.073 |
| Majors (= 1 finance and Accounting) | 0.351* | 0.166 |
| Constant | 3.185*** | 0.497 |
| D.V. (borrowing intention) | ||
| Debt attitude: affective dimension | 0.497*** | 0.049 |
| Gender (= 1 female) | 0.214 | 0.121 |
| Academic ability | −0.057 | 0.086 |
| Majors (= 1 finance and Accounting) | −0.044 | 0.206 |
| Constant | 2.121*** | 0.589 |
| Number of obs. | 525 | |
| Log pseudolikelihood | −3,190.992 | |
| Standardized root mean squared residual (SRMR) | 0.011 |
| Coef. | Robust std. Err. | |
|---|---|---|
| D.V. (debt attitude: affective dimension) | ||
| Treatment (= 1 treated subjects) | 0.375 | 0.116 |
| Gender (= 1 female) | −0.399 | 0.109 |
| Academic ability | −0.010 | 0.073 |
| Majors (= 1 finance and Accounting) | 0.351 | 0.166 |
| Constant | 3.185 | 0.497 |
| D.V. (borrowing intention) | ||
| Debt attitude: affective dimension | 0.497 | 0.049 |
| Gender (= 1 female) | 0.214 | 0.121 |
| Academic ability | −0.057 | 0.086 |
| Majors (= 1 finance and Accounting) | −0.044 | 0.206 |
| Constant | 2.121 | 0.589 |
| Number of obs. | 525 | |
| Log pseudolikelihood | −3,190.992 | |
| Standardized root mean squared residual (SRMR) | 0.011 |
Notes:
Estimation method = ML; D.V. stands for the dependent variable; ***p < 0.001, **p < 0.01, *p < 0.05