Table 5. Results of tests reliability and convergence

Factor construct	C.R.	AVE	MSV	MaxR (H)	NAEC	LOPI	TADT	LOCP	ERPO	HUAS	RACI
NAEC	0.888	0.615	0.276	0.903	0.784
LOPI	0.932	0.775	0.178	0.939	0.358***	0.880
TADT	0.909	0.717	0.084	0.956	–0.011	–0.019	0.847
LOCP	0.873	0.636	0.157	0.927	0.282***	0.185***	0.087*	0.797
ERPO	0.940	0.798	0.276	0.945	0.526***	0.422***	0.291***	0.397***	0.893
HUAS	0.804	0.508	0.190	0.808	0.292***	0.169**	-0.022	0.226***	0.436***	0.712
RACI	0.789	0.584	0.257	0.794	0.365***	0.244***	0.179**	0.272***	0.507***	0.265***	0.696

Significance of correlations: p<0.100,
p < 0.010,
p <0.001.
C.R., composite reliability; MSV, maximum shared variance; MaxR (H), maximum reliability (Hancock); NAEC, natural economic conditions; LOPI, local policy institutions; TADT, technology application-digital transformation; LOCP, level of community participation; ERPO, ethnic and religious policy implementation effectiveness; HUAS, human and social; RACI, religious and community institutions.