{"id":"https://openalex.org/W4224940342","doi":"https://doi.org/10.18280/ijsdp.170211","title":"The Scale Assessment and Validation of Microfinance Services and Household Socioeconomic Model: Using Parallel and Exploratory Factor Analyses","display_name":"The Scale Assessment and Validation of Microfinance Services and Household Socioeconomic Model: Using Parallel and Exploratory Factor Analyses","publication_year":2022,"publication_date":"2022-04-26","ids":{"openalex":"https://openalex.org/W4224940342","doi":"https://doi.org/10.18280/ijsdp.170211"},"language":"en","primary_location":{"id":"doi:10.18280/ijsdp.170211","doi":"https://doi.org/10.18280/ijsdp.170211","is_oa":true,"landing_page_url":"https://doi.org/10.18280/ijsdp.170211","pdf_url":"https://www.iieta.org/download/file/fid/72148","source":{"id":"https://openalex.org/S81432193","display_name":"International Journal of Sustainable Development and Planning","issn_l":"1743-7601","issn":["1743-7601","1743-761X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","norway-1","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312982","host_organization_name":"International Information and Engineering Technology Association","host_organization_lineage":["https://openalex.org/P4310312982"],"host_organization_lineage_names":["International Information and Engineering Technology Association"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Sustainable Development and Planning","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://www.iieta.org/download/file/fid/72148","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"W Muhammad Zainuddin B Wan Abdullah","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I157696592","display_name":"Universiti Malaysia Terengganu","ror":"https://ror.org/02474f074","country_code":"MY","type":"education","lineage":["https://openalex.org/I157696592"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"W Muhammad Zainuddin B Wan Abdullah","raw_affiliation_strings":["Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia","institution_ids":["https://openalex.org/I157696592"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5019961303","display_name":"Wan Nur Rahini Aznie Bt Zainudin","orcid":"https://orcid.org/0000-0003-4604-6074","observed_orcids":["https://orcid.org/0000-0003-4604-6074"]},"institutions":[{"id":"https://openalex.org/I112982808","display_name":"Universiti Sains Islam Malaysia","ror":"https://ror.org/020ast312","country_code":"MY","type":"education","lineage":["https://openalex.org/I112982808"]}],"countries":["MY"],"is_corresponding":true,"raw_author_name":"Wan Nur Rahini Aznie Bt Zainudin","raw_affiliation_strings":["Faculty of Science and Technology, Universiti Sains Islam Malaysia, Bandar Baru Nilai 71800, Negeri Sembilan, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Science and Technology, Universiti Sains Islam Malaysia, Bandar Baru Nilai 71800, Negeri Sembilan, Malaysia","institution_ids":["https://openalex.org/I112982808"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5068928191","display_name":"Sarina Binti Ismail","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I157696592","display_name":"Universiti Malaysia Terengganu","ror":"https://ror.org/02474f074","country_code":"MY","type":"education","lineage":["https://openalex.org/I157696592"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Sarina Binti Ismail","raw_affiliation_strings":["Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia","institution_ids":["https://openalex.org/I157696592"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5091473994","display_name":"Norhaziah Binti Nawai","orcid":"https://orcid.org/0000-0002-3052-0379","observed_orcids":["https://orcid.org/0000-0002-3052-0379"]},"institutions":[{"id":"https://openalex.org/I112982808","display_name":"Universiti Sains Islam Malaysia","ror":"https://ror.org/020ast312","country_code":"MY","type":"education","lineage":["https://openalex.org/I112982808"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Norhaziah Nawai","raw_affiliation_strings":["Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia, Bandar Baru Nilai 71800, Negeri Sembilan, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia, Bandar Baru Nilai 71800, Negeri Sembilan, Malaysia","institution_ids":["https://openalex.org/I112982808"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5057755271","display_name":"Hafiz Muhammad Zia\u2010ul\u2010haq","orcid":"https://orcid.org/0000-0001-9345-7445","observed_orcids":["https://orcid.org/0000-0001-9345-7445"]},"institutions":[{"id":"https://openalex.org/I157696592","display_name":"Universiti Malaysia Terengganu","ror":"https://ror.org/02474f074","country_code":"MY","type":"education","lineage":["https://openalex.org/I157696592"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Hafiz Muhammad Zia-ul-haq","raw_affiliation_strings":["Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Business Economics and Social Development, Universiti Malaysia Terengganu, Kuala Nerus 21030, Terengganu, Malaysia","institution_ids":["https://openalex.org/I157696592"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5019961303"],"corresponding_institution_ids":["https://openalex.org/I112982808"],"apc_list":null,"apc_paid":null,"fwci":0.5494,"has_fulltext":true,"cited_by_count":5,"citation_normalized_percentile":{"value":0.72595289,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":96},"biblio":{"volume":"17","issue":"2","first_page":"459","last_page":"475"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12786","display_name":"Innovation and Socioeconomic Development","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1403","display_name":"Business and International Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/microfinance","display_name":"microfinance","score":0.925000011920929},{"id":"https://openalex.org/keywords/scale-development","display_name":"scale development","score":0.7749999761581421},{"id":"https://openalex.org/keywords/instrument-validation","display_name":"instrument validation","score":0.6779999732971191},{"id":"https://openalex.org/keywords/microfinance-institutions","display_name":"microfinance institutions","score":0.6140000224113464},{"id":"https://openalex.org/keywords/business-coaching","display_name":"business coaching","score":0.6959999799728394},{"id":"https://openalex.org/keywords/financial-management-practices","display_name":"financial management practices","score":0.7170000076293945},{"id":"https://openalex.org/keywords/entrepreneurial-skills","display_name":"entrepreneurial skills","score":0.9380000233650208},{"id":"https://openalex.org/keywords/factor-retention","display_name":"factor retention","score":0.5249999761581421},{"id":"https://openalex.org/keywords/parallel-analysis","display_name":"parallel analysis","score":0.5569999814033508},{"id":"https://openalex.org/keywords/exploratory-factor-analysis","display_name":"exploratory factor analysis","score":0.7409999966621399}],"concepts":[{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.9781172275543213},{"id":"https://openalex.org/C147077947","wikidata":"https://www.wikidata.org/wiki/Q1515895","display_name":"Socioeconomic status","level":3,"score":0.6064007878303528},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5462441444396973},{"id":"https://openalex.org/C165957694","wikidata":"https://www.wikidata.org/wiki/Q5421350","display_name":"Exploratory factor analysis","level":3,"score":0.5250391960144043},{"id":"https://openalex.org/C2778755073","wikidata":"https://www.wikidata.org/wiki/Q10858537","display_name":"Scale (ratio)","level":2,"score":0.5229367017745972},{"id":"https://openalex.org/C42298096","wikidata":"https://www.wikidata.org/wiki/Q1643441","display_name":"Socioeconomic development","level":2,"score":0.49495023488998413},{"id":"https://openalex.org/C2779363792","wikidata":"https://www.wikidata.org/wiki/Q1104185","display_name":"Coaching","level":2,"score":0.449530690908432},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.43498530983924866},{"id":"https://openalex.org/C552854447","wikidata":"https://www.wikidata.org/wiki/Q131201","display_name":"Sustainable development","level":2,"score":0.4210166037082672},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.35553255677223206},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2601493000984192},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.11412346363067627},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.10419881343841553},{"id":"https://openalex.org/C187736073","wikidata":"https://www.wikidata.org/wiki/Q2920921","display_name":"Management","level":1,"score":0.08937889337539673},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.08467710018157959},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.0},{"id":"https://openalex.org/C58640448","wikidata":"https://www.wikidata.org/wiki/Q42515","display_name":"Cartography","level":1,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.18280/ijsdp.170211","doi":"https://doi.org/10.18280/ijsdp.170211","is_oa":true,"landing_page_url":"https://doi.org/10.18280/ijsdp.170211","pdf_url":"https://www.iieta.org/download/file/fid/72148","source":{"id":"https://openalex.org/S81432193","display_name":"International Journal of Sustainable Development and Planning","issn_l":"1743-7601","issn":["1743-7601","1743-761X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","norway-1","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312982","host_organization_name":"International Information and Engineering Technology Association","host_organization_lineage":["https://openalex.org/P4310312982"],"host_organization_lineage_names":["International Information and Engineering Technology Association"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Sustainable Development and Planning","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.18280/ijsdp.170211","doi":"https://doi.org/10.18280/ijsdp.170211","is_oa":true,"landing_page_url":"https://doi.org/10.18280/ijsdp.170211","pdf_url":"https://www.iieta.org/download/file/fid/72148","source":{"id":"https://openalex.org/S81432193","display_name":"International Journal of Sustainable Development and Planning","issn_l":"1743-7601","issn":["1743-7601","1743-761X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["anvur-scientific","cwts-core","norway-1","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310312982","host_organization_name":"International Information and Engineering Technology Association","host_organization_lineage":["https://openalex.org/P4310312982"],"host_organization_lineage_names":["International Information and Engineering Technology Association"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Sustainable Development and Planning","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/1","score":0.8928999900817871,"display_name":"No poverty"},{"id":"https://metadata.un.org/sdg/8","score":0.4000000059604645,"display_name":"Decent work and economic growth"}],"study_designs":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320327340","display_name":"Universiti Malaysia Terengganu","ror":"https://ror.org/02474f074"}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4224940342.pdf","grobid_xml":"https://content.openalex.org/works/W4224940342.grobid-xml"},"referenced_works_count":42,"referenced_works":["https://openalex.org/W877528807","https://openalex.org/W1497843627","https://openalex.org/W1607736060","https://openalex.org/W1820801730","https://openalex.org/W1857727456","https://openalex.org/W1965784923","https://openalex.org/W1968774267","https://openalex.org/W1989264899","https://openalex.org/W2007356270","https://openalex.org/W2010216211","https://openalex.org/W2023350458","https://openalex.org/W2040676155","https://openalex.org/W2041963641","https://openalex.org/W2088477804","https://openalex.org/W2122376319","https://openalex.org/W2125865893","https://openalex.org/W2133097426","https://openalex.org/W2143975849","https://openalex.org/W2149828426","https://openalex.org/W2151870980","https://openalex.org/W2160172778","https://openalex.org/W2160643014","https://openalex.org/W2249595199","https://openalex.org/W2336161092","https://openalex.org/W2497252552","https://openalex.org/W2556495954","https://openalex.org/W2606759716","https://openalex.org/W2731152081","https://openalex.org/W2763848237","https://openalex.org/W2786948713","https://openalex.org/W2902014651","https://openalex.org/W2903411613","https://openalex.org/W2908688739","https://openalex.org/W2973199692","https://openalex.org/W2983796800","https://openalex.org/W2990809143","https://openalex.org/W3007668622","https://openalex.org/W3042564358","https://openalex.org/W3096881035","https://openalex.org/W3110285101","https://openalex.org/W3133915392","https://openalex.org/W3195640893"],"related_works":["https://openalex.org/W4405888323","https://openalex.org/W7170214200","https://openalex.org/W4306963836","https://openalex.org/W2106830087","https://openalex.org/W1968247882","https://openalex.org/W7030142097","https://openalex.org/W7215275868","https://openalex.org/W7110592384","https://openalex.org/W3133915392","https://openalex.org/W6967671170"],"abstract_inverted_index":{"Households\u2019":[0],"socio-economic":[1,47,64,78,101,142],"outcomes":[2],"are":[3,18,52],"considered":[4],"a":[5,32,42],"significant":[6],"component":[7],"of":[8,40,69,155],"sustainable":[9],"development.":[10],"In":[11,49],"this":[12,89,117],"regard,":[13],"public":[14],"and":[15,23,76,94,99,110,140,158,164],"private":[16],"organizations":[17],"constantly":[19],"devising":[20],"several":[21],"microfinance":[22,75,98,123,130,157],"development":[24],"strategies":[25],"to":[26,55,92,166],"tackle":[27],"economic":[28,160],"deprivation.":[29],"There":[30],"exists":[31],"conflict":[33],"in":[34,44,84,169],"the":[35,38,67,81,146,152,156],"literature":[36],"regarding":[37],"role":[39],"such":[41],"strategy":[43],"enhancing":[45],"households\u2019":[46,63,77,100,133,136,141,159],"outcomes.":[48],"addition,":[50],"researchers":[51],"also":[53],"struggling":[54],"identify":[56],"crucial":[57],"factors":[58,79],"that":[59,151],"could":[60],"improve":[61],"poor":[62],"performance.":[65,143],"However,":[66],"lack":[68],"established":[70],"measuring":[71,120],"instruments":[72],"for":[73,97,122],"various":[74],"is":[80,149,162],"major":[82],"hurdle":[83],"conducting":[85],"quality":[86],"research.":[87,172],"Hence,":[88],"study":[90],"intends":[91],"develop":[93],"validate":[95],"measurements":[96],"model.":[102],"By":[103],"employing":[104],"an":[105],"Exploratory":[106],"Factor":[107],"Analysis":[108,112],"(EFA)":[109],"Parallel":[111],"as":[113],"factor":[114],"retention":[115],"techniques,":[116],"research":[118],"provides":[119],"constructs":[121],"financial":[124,137],"services,":[125],"business":[126],"coaching,":[127],"training":[128],"programs,":[129],"institutions\u2019":[131],"efficiency,":[132],"entrepreneurial":[134],"competencies,":[135],"management":[138],"practices,":[139],"Based":[144],"on":[145],"results,":[147],"it":[148],"proved":[150],"developed":[153],"instrument":[154],"model":[161],"valid":[163],"reliable":[165],"be":[167],"used":[168],"future":[170],"related":[171]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2022,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2022-04-28T00:00:00"}