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STS419 Zuraeda Ibrahim et al.
poor level. Therefore, all indicators that fall below the minimum 0.60 loading
score should be removed from the analysis, one-by-one.
Table 1: Summary of Results of Convergent Validity (Initial)
Construct Items / Outer t- statistic AVE CR ICR
Indicators Loading
A4.1 .883 3.94**
A4.2 .682 2.37*
Perception .634 .873 .799
A4.3 .803 3.30**
A4.4 .803 4.68**
C11.1 .431 0.98
Knowledge .591 .714 .538
C11.2 .998 2.21*
C8.1 .689 5.66**
C8.2 .732 5.15**
C8.3 .785 5.12**
C8.4 .738 5.83**
C8.5 .807 8.73**
C8.6 .786 7.36**
Acceptance .599 .947 .934
C8.7 .743 5.10**
C8.8 .814 8.36**
C8.9 .841 8.63**
C8.10 .844 6.71**
C8.11 .696 4.98**
C8.12 .790 9.37**
C9.1 .773 3.65**
C9.2 .614 1.62
C9.3 .672 2.08*
Refusal .566 .885 .849
C9.4 .830 3.59**
C9.5 .891 3.53**
C9.6 .698 2.25*
Islamic B6.1 .584 2.02*
Investment B6.2 .874 9.72** .586 .805 .537
Account B6.3 .808 7.19**
Note: **the indicator loadings were significant at 99% confidence level if t-statistic >2.58 (p
<.01); *the indicator loadings were significant at 95% confidence level if t-statistic > 1.96 (p
<.05).
The table 2 below shows the final results of convergent validity after
removing three items (i.e. C11.1, C9.2, B6.1) one-by-one from the model.
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