Table 4 Mediation analysis Variable...

Table 4

Mediation analysis

Variable	Coefficient	SE	t	p	95% CI
Variable	Coefficient	SE	t	p	LL	UL
Dependent variable: Blame
Constant	−0.887	0.254	−3.49	0.001	−1.387	−0.388
CSI awareness	1.151	0.086	13.336	<0.001	0.982	1.321
Irresponsibility appraisal	0.601	0.045	13.261	<0.001	0.512	0.69
Having a CHF mortgage	0.81	0.144	5.643	<0.001	0.529	1.092
R² = 0.284, F(3, 996) = 132.0, p < 0.001
Dependent variable: negative WOM
Constant	0.83	0.191	4.349	<0.001	0.455	1.204
CSI awareness	0.01	0.07	0.144	0.886	−0.127	0.147
Blame	0.255	0.024	10.813	<0.001	0.209	0.302
Irresponsibility appraisal	0.121	0.037	3.291	0.001	0.049	0.193
Having a CHF mortgage	0.42	0.109	3.859	<0.001	0.206	0.633
R² = 0.198, F(4, 995) = 61.6, p < 0.001
Dependent variable: negative WOM
Constant	0.603	0.2	3.01	0.003	0.21	0.996
CSI awareness	0.304	0.068	4.472	<0.001	0.171	0.437
Irresponsibility appraisal	0.274	0.036	7.679	<0.001	0.204	0.344
Having a CHF mortgage	0.627	0.113	5.54	<0.001	0.405	0.849
R² = 0.104, F(3, 996) = 38.6, p < 0.001
Total. direct and indirect effects
Total effect	0.304	0.068	4.472	<0.001	0.171	0.437
Direct effect	0.01	0.07	0.144	0.886	−0.127	0.147
Indirect effect	0.294	0.039			0.221	0.377

Variable	Coefficient	SE	t	p	95% CI
Variable	Coefficient	SE	t	p	LL	UL
Dependent variable: Blame
Constant	−0.887	0.254	−3.49	0.001	−1.387	−0.388
CSI awareness	1.151	0.086	13.336	<0.001	0.982	1.321
Irresponsibility appraisal	0.601	0.045	13.261	<0.001	0.512	0.69
Having a CHF mortgage	0.81	0.144	5.643	<0.001	0.529	1.092
R² = 0.284, F(3, 996) = 132.0, p < 0.001
Dependent variable: negative WOM
Constant	0.83	0.191	4.349	<0.001	0.455	1.204
CSI awareness	0.01	0.07	0.144	0.886	−0.127	0.147
Blame	0.255	0.024	10.813	<0.001	0.209	0.302
Irresponsibility appraisal	0.121	0.037	3.291	0.001	0.049	0.193
Having a CHF mortgage	0.42	0.109	3.859	<0.001	0.206	0.633
R² = 0.198, F(4, 995) = 61.6, p < 0.001
Dependent variable: negative WOM
Constant	0.603	0.2	3.01	0.003	0.21	0.996
CSI awareness	0.304	0.068	4.472	<0.001	0.171	0.437
Irresponsibility appraisal	0.274	0.036	7.679	<0.001	0.204	0.344
Having a CHF mortgage	0.627	0.113	5.54	<0.001	0.405	0.849
R² = 0.104, F(3, 996) = 38.6, p < 0.001
Total. direct and indirect effects
Total effect	0.304	0.068	4.472	<0.001	0.171	0.437
Direct effect	0.01	0.07	0.144	0.886	−0.127	0.147
Indirect effect	0.294	0.039			0.221	0.377

Note:

5,000 bootstrap samples for percentile bootstrap confidence intervals

Source: Own research

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