The mediator has a significant, unique effect on the DV (dependent variable).

The figure depicts the standard regression weight between FL (financial literacy) and FH (financial health) as 0.20. Both the constructs are represented by their own sets of observed variables with error variables e6-e17. Out of which e11-e12 are correlated with each other. The assignment of measured variables to each latent construct is graphically equivalent to drawing arrows from each construct to the measured variables that represent that construct. The degree to which each measured variable is related to its construct is represented by that variable’s loading as values on the arrow shown in the figure.