Table 7.

Results of reliability and validity.

Latent Variable	Observed Variable	Standard Factor Loading	Cronbach’s α	CR	AVE	M	SD	Skewness	Kurtosis
PE	PE1	0.81	0.86	0.86	0.60	3.73	1.137	−0.955	0.228
	PE2	0.78				3.77	1.182	−0.891	−0.062
	PE3	0.76				3.95	1.127	−1.139	0.559
	PE4	0.75				3.74	1.143	−0.882	0.033
EE	EE1	0.79	0.89	0.89	0.66	3.78	1.144	−1.001	0.313
	EE2	0.83				3.85	1.137	−1.038	0.392
	EE3	0.82				3.84	1.025	−0.908	0.455
	EE4	0.81				3.82	1.065	−0.982	0.537
SI	SI1	0.81	0.86	0.86	0.60	3.87	1.132	−1.026	0.321
	SI2	0.82				3.78	1.145	−0.983	0.192
	SI3	0.70				3.78	1.145	−0.802	−0.189
	SI4	0.77				3.71	1.154	−0.741	−0.217
FC	FC1	0.70	0.83	0.83	0.63	3.30	1.284	−0.401	−0.939
	FC2	0.81				3.67	1.362	−0.752	−0.708
	FC3	0.85				3.75	1.378	−0.865	−0.585
PV	PV1	0.79	0.86	0.87	0.62	3.60	1.136	−0.590	−0.272
	PV2	0.78				3.72	1.133	−0.879	0.141
	PV3	0.83				3.61	1.192	−0.606	−0.444
	PV4	0.74				3.47	1.208	−0.503	−0.593
PR	PR 1	0.67	0.83	0.84	0.56	2.82	1.252	0.201	−1.030
	PR2	0.72				2.25	1.128	0.892	0.078
	PR 3	0.79				2.39	1.142	0.627	−0.394
	PR 4	0.81				2.60	1.164	0.366	−0.678
PT	PT1	0.84	0.86	0.86	0.67	3.29	1.137	−0.373	−0.603
	PT2	0.87				3.43	1.116	−0.460	−0.503
	PT3	0.74				3.36	1.080	−0.266	−0.550
BI	BI1	0.82	0.90	0.90	0.69	3.53	1.246	−0.817	−0.343
	BI2	0.85				3.49	1.238	−0.780	−0.447
	BI3	0.83				3.60	1.259	−0.820	−0.359
	BI4	0.81				3.37	1.274	−0.577	−0.712
UB	UB1	0.76	0.83	0.83	0.62	3.64	1.134	−0.767	−0.279
	UB2	0.83				3.46	1.120	−0.503	−0.528
	UB3	0.78				3.41	1.174	−0.380	−0.796