| KMO test | Factor loading |
Education loan | 0.6367 | 0.429 |
Production and operation loan | 0.6621 | 0.5544 |
Housing loans | 0.6752 | 0.6235 |
Car loans | 0.6865 | 0.6684 |
The credit card | 0.6118 | 0.3501 |