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Table 2 CFA results

From: Loan repayment among group borrowers in Tanzania: the role of relationship quality

Construct

Item label

Item description

Factor loading

t-value

Commitment (COMT)

α = 0.910; AVE = 0.938

   
 

COMT1

Our relationship in our group is something we are committed to

0.874

77.789***

 

COMT2

Our relationship in our group is something we intend to maintain indefinitely

0.921

78.005***

 

COMT3

Our relationship in our group deserves our maximum effort to maintain

0.760

75.704***

Trust (TRUS)

α = 0.966; AVE = 0.833

   
 

TRUS1

Each member of our group can be trusted at all time

0.955

61.726***

 

TRUS2

Each member of our group can be counted on to do what is right

0.969

61.383***

 

TRUS3

Each member of our group has high integrity

0.887

57.718***

Satisfaction (SATS)

α = 0.946; AVE = 0.816

   
 

SATS1

I am satisfied with my fellow group members

0.875

57.515***

 

SATS2

I am satisfied with the relationship with my fellow group members

0.941

61.525***

 

SATS3

Overall, I am satisfied with the relationship in our group

0.897

58.516***

Group loan repayment (GLR)

α = 0.879; AVE = 0.100

   
 

GLR1

The likelihood I would repay my loan is high

0.843

225.412***

 

GLR2

My willingness to repay my loan is high

0.804

257.909***

 

GLR3

The probability I would repay my loan is high

0.890

230.489***

  1. KMO and Bartlett’s test of sphericity = 0.782; χ2(66) = 5805.026***
  2. ***p < 0.001 (2-tailed)