Table 3.
Factor loadings for FMBS variables.
| Items | Cash management subscale | Credit management subscale | Savings and investment subscale | Insurance subscale |
|---|---|---|---|---|
| Price comparison when using a service or product | 0.450 | |||
| Keep personal monthly budgets | 0.534 | |||
| Staying on track with budget | 0.485 | |||
| Max out credit card(s) | 0.650 | |||
| Pay the minimum on loan. | 0.614 | |||
| Maintain or create savings for emergency purposes | 0.645 | |||
| Paycheck savings | 0.749 | |||
| Saving plan for a long-term goal (car/house purchase, educational purpose, etc.) | 0.739 | |||
| Payment for social insurance | 0.561 | |||
| Buy or maintain adequate health insurance. | 0.510 | |||
| Buy or maintain adequate property insurance (i.e., car/house) | 0.502 | |||
| Buy or maintain adequate life insurance. |
0.556 |
|||
|
Reliability | ||||
| Cronbach's alpha | 0.62 | 0.64 | 0.72 | 0.635 |
| KMO | 0.80 | |||
| Domains scores | ||||
| Mean | 3.40 | 2.80 | 3.32 | 3.17 |
| SD | 0.64 | 0.97 | 0.78 | 0.97 |