Table 4

Heterotrait-Monotrait Ratio (HTMT)

Retrofit project challengesLack of finance to invest in EEOutdated building by-lawsUnavailability of raw materials to achieve EE
Lack of finance to invest in EE0.826  
Outdated building by-laws0.4220.946 
Unavailability of raw materials to achieve EE0.7990.3160.900

Source(s): Authors’ work

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