Figure 3
The five latent variables are each represented by a circular node with the following labels: “Procedural Deficiencies,” “Client Business Performance,” “Malpractice in Credit Assessment,” “Loan Repayment Problem,” and “Professional Experience.” “Procedural Deficiencies” is positioned at the top left. Four left-pointing arrows extend from “Procedural Deficiencies” to four rectangles arranged in a vertical series on its left, labeled from top to bottom as: “P D 1,” “P D 2,” “P D 3” and “P D 4.” Two arrows extend from “Procedural Deficiencies” to other nodes: one arrow with a coefficient of 0.167 (0.059) points to “Client Business Performance,” and another arrow with a coefficient of 0.242 (0.000) points to “Loan Repayment Problem.” “Client Business Performance” is positioned in the center left. Three left-pointing arrows connect “Client Business Performance” to three rectangles arranged in a vertical series on its left, labeled from top to bottom as: “C B P 1,” “C B P 2,” and “C B P 3.” An arrow extends from “Client Business Performance” to “Loan Repayment Problem” with a coefficient of 0.169 (0.002). “Malpractice in Credit Assessment” is positioned at the bottom left. Five left-pointing arrows connect “Malpractice in Credit Assessment” to five rectangles arranged in a vertical series on its left, labeled from top to bottom as: “M P C A 1,” “M P C A 2,” “M P C A 3,” “M P C A 4” and “M P C A 5.” From “Malpractice in Credit Assessment,” an arrow with a coefficient of 0.302 (0.000) points to “Client Business Performance,” and another arrow with a coefficient of 0.214 (0.001) points to “Loan Repayment Problem.” “Loan Repayment Problem” is positioned at the center right. Five right-pointing arrows extend from “Loan Repayment Problem” to five rectangles arranged in a vertical series on its right, labeled from top to bottom as: “L R P 1,” “L R P 2,” “L R P 3,” “L R P 4” and “L R P 5.” “Professional Experience” is positioned at the top right. A rectangle labeled “Profession ellipsis” is positioned above “Professional Experience” and connects with it with a vertical lines. An arrow extends from “Professional Experience” to “Loan Repayment Problem” with a coefficient of 0.160 (0.003). Two circular nodes labeled “Moderating Effect 1” and “Moderating Effect 2” are also present. “Moderating Effect 1” is positioned near the bottom right and connects with an arrow labeled negative 0.116 (0.056) to “Loan Repayment Problem.” “Moderating Effect 2” is positioned near the top center between “Professional Experience” and “Procedural Deficiencies” with an arrow labeled negative 0.003 (0.969) to “Loan Repayment Problem.”Inner-model (structural-model). Figure by authors