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Summary of moderating effect of saving habit during the COVID-19 period
| Hypothesis | Path relationship | Direct path coefficient | R2 | Result |
|---|---|---|---|---|
| H12a | PU*WSH—> BI | −0.025 | 0.709 | Rejected |
| H12b | UI*WSH—> BI | −0.076** | 0.715 | Accepted |
| H12c | TR*WSH—> BI | −0.042 | 0.710 | Rejected |
| H12d | BRI*WSH—> BI | −0.048 | 0.711 | Rejected |
| H12e | AT*WSH—> BI | − 0.032 | 0.709 | Rejected |
**Represents significant at 0.01 level
