Measuring financial literacy with a Situational Judgement Test: do some groups really perform worse or is it the measuring instrument?

Wuttke, Eveline; Siegfried, Christin; Aprea, Carmela

doi:10.1186/s40461-020-00103-x

Empirical Research in Vocational Education and Training

Table 3 Measurement invariance for the subgroup gender

From: Measuring financial literacy with a Situational Judgement Test: do some groups really perform worse or is it the measuring instrument?

Model	Control			Budgeting			Handling
Model	Δ DF	Δ CMIN	p	ΔDF	Δ CMIN	P	Δ DF	Δ CMIN	p
Configural	χ² = 61.07, p = .098, df = 48, CFI = .95; RMSEA = .037, Pclose = .778			χ² = 41.103, p = .008, df = 22, CFI = .94; RMSEA = .066, Pclose = .185			χ² = 36.555, p = .006, df = 18, CFI = .89; RMSEA = .072, Pclose = .131
Metric	9	11.352	0.252	7	7.379	0.39	6	10.961	0.09
Metric	χ² = 72.422, p = .082, df = 57, CFI = .94; RMSEA = .037, Pclose = .801			χ² = 48.483, p = .013, df = 29, CFI = .94; RMSEA = .058, Pclose = .298			χ² = 47.516, p = .003, df = 24, CFI = .86; RMSEA = .07, Pclose = .122
Partial metric	–	–	–	–	–	–	5	6,629	0.25
Partial metric	–			–			χ² = 43.184, p = .007, df = 23, CFI = .89; RMSEA = .066, Pclose = .175^c
Scalar	18	29.29	0.045	14	21.937	0.08	10	18.273	0.051
Scalar	χ² = 90.36, p = .025, df = 66, CFI = .90; RMSEA = .043, Pclose = .686			χ² = 63.041, p = .004, df = 36, CFI = .91; RMSEA = .061, Pclose = .214			χ² = 54.828, p = .002, df = 28, CFI = .84; RMSEA = .069, Pclose = .116
Partial scalar	17	25.631	0.081	13	18.418	0.142	9	15.795	0.071
Partial scalar	χ² = 86.701, p = .002, df = 65, CFI = .91; RMSEA = .041, Pclose = .736^a			χ² = 59.521, p = .006, df = 35, CFI = .92; RMSEA = .059, Pclose = .259^b			χ² = 52.35, p = .002, df = 27, CFI = .85; RMSEA = .069, Pclose = .128 ^d
Strict	26	53.378	0.001	20	29.385	0.08	15	45.52	< .001
Strict	χ² = 114.448, p = .002, df = 74, CFI = .91; RMSEA = .052, Pclose = .398			χ² = 70.489, p = .004, df = 42, CFI = .91; RMSEA = .058, Pclose = .265			χ² = 82.075, p < .001, df = 33, CFI = .72; RMSEA = .086, Pclose = .007

^aIntercepts are freely estimated for Item 7
^bIntercepts are freely estimated for Item 5
^cFactor loadings are freely estimated for Items 6
^dIntercepts are freely estimated for Item 6

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