“…A freeware called Smart-PLS was used. Figures 1,3,5,7,9,11,13,15, and 17 show the full model of Smart-PLS for combined seven universities in Indonesia, each of the seven universities in Indo-nesia and Universiti Sains Malaysia, respectively, while Figures 2,4,6,8,10,12,14,16,and 18 show the final model of Smart-PLS for the same. Final models were found by deleting indicators with standardized loading factor (SLF) less than 0.5.…”