TABLE 5.

Test of convergent validity.

Item	Factor loading		CR		AVE
Criteria	Above 0.50		Above 0.70		Above 0.50
	Accepted		Accepted		Accepted
	TPS	0.714	TPS	0.809	TPS	0.519
	TLB	0.787	TLB	0.921	TLB	0.627
	TE	0.848	TE	0.927	TE	0.719
	TEF	0.857	TEF	0.917	TEF	0.735