Table 3 Discriminant validity assessment using the Heterotrait-Monotrait ratio (HTMT). The table presents the HTMT values between latent constructs to evaluate discriminant validity. Values below the recommended threshold of 0.85 indicate adequate discriminant validity among constructs.
Variables | AA | COL | EE | FC | PE | SMC | UB |
|---|---|---|---|---|---|---|---|
AA | |||||||
COL | 0.672 | ||||||
EE | 0.554 | 0.602 | |||||
FC | 0.449 | 0.675 | 0.492 | ||||
PE | 0.510 | 0.545 | 0.638 | 0.562 | |||
SMC | 0.537 | 0.433 | 0.709 | 0.484 | 0.401 | ||
UB | 0.533 | 0.451 | 0.430 | 0.407 | 0.435 | 0.406 |