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Table 5 Measurement invariance for the subgroup educational background

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

Δ DF

Δ CMIN

p

ΔDF

Δ CMIN

p

Δ DF

Δ CMIN

P

Configural

χ2 = 59.442, p = .124, df = 48, CFI = .96; RMSEA = .034, Pclose = .825

χ2 = 39.888, p = .011, df = 22, CFI = .94; RMSEA = .063, Pclose = .226

χ2 = 41.696, p = .001, df = 18, CFI = .87; RMSEA = .08, Pclose = .058

Metric

9

9.143

0.424

7

8.728

0.273

   

χ2 = 68.585, p = .14, df = 57, CFI = .96; RMSEA = .032, Pclose = .881

χ2 = 48.616, p = .013, df = 29, CFI = .94; RMSEA = .058, Pclose = .306

 

Partial metric

–

–

–

–

–

–

   

–

–

 

Scalar

18

21.665

0.247

14

33.059

0.003

   

χ2 = 81.107, p = .1, df = 66, CFI = .95; RMSEA = .033, Pclose = .876

χ2 = 72.947, p < .001, df = 36, CFI = .88; RMSEA = .071, Pclose = .071

 

Partial scalar

–

–

–

12

18.706

.096

   

–

χ2 = 58.594, p = .005, df = 34, CFI = .92; RMSEA = .06, Pclose = .253a

 

Strict

27

45.706

0.014

19

43.977

.001

   

χ2 = 105.149, p = .012, df = 75, CFI = .90; RMSEA = .044, Pclose = .666

χ2 = 83.865, p < .001, df = 41, CFI = .86; RMSEA = .072, Pclose = .054

 
  1. aIntercepts are freely estimated for Item 1 and Item 5