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Journal : JTAM (Jurnal Teori dan Aplikasi Matematika)

Multigroup Analysis on Partial Least Square-Structural Equation Modeling in Modeling College Students' Saving Behavior Asaliontin, Lisa; Sumarminingsih, Eni; Solimun, Solimun; Sepriadi, Hanifa; Iriany, Atiek; Hamdan, Rosita
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 9, No 1 (2025): January
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v9i1.27692

Abstract

This study aims to determine the factors that influence college students' saving behavior, with gender as a moderating variable. The analysis used is Partial Least Square-Structural Equation Modeling (PLS-SEM) with Multigroup Analysis. This study was conducted on 200 college students in City X who were selected by purposive sampling. Data collection was carried out using a structured questionnaire that measures Perceived Benefits, Perceived Ease of Use, Saving Intentions, and Saving Behavior. Confirmatory Factor Analysis (CFA) and Bootstrapping were used to validate the measurement model and structural relationships. The results showed that Perceived Benefits and Perceived Ease had a significant effect on Saving Intentions and Saving Behavior. In addition, Saving Intentions had a significant effect on Saving Behavior. This relationship applies to both male and female groups, with a determination coefficient of 86.2% for males and 86.7% for females. Moderation analysis shows that gender moderates the relationship between Perceived Benefits and Saving Behavior, as well as between Perceived Ease and Saving Behavior. These findings highlight the importance of considering gender differences in efforts to improve students' savings behavior. 
A Spatiotemporal Analysis of Humidity Pattern in Bali using Space-Time Kriging with Seasonal Drift Nugroho, Salma Fitri; Fitriani, Rahma; Iriany, Atiek
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 9, No 3 (2025): July
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v9i3.30874

Abstract

Climate plays a vital role in framing the characteristics of tourist activity. Humidity reflects the amount of moisture in the air relative to the maximum it can hold at a specific temperature, it has a direct influences on perceived comfort levels. Bali, one of the most popular destinations renowned for its breathtaking natural beauty and varied landscapes. However, this island is currently served by only four climate observation stations which are insufficient to capture the humidity across the island. Therefore, this research aims to model humidity levels in Bali based on four observed locations at 2019-2023 using the space-time kriging with seasonal drift and predict humidity at unobserved locations. This approach was choosen due to the strong seasonal pattern exhibited in climate data, which leading to non-stationary. The space-time kriging method is applied to the residuals. The most effective model identified was the exponential-exponential-Gaussian (Exp-Exp-Gau) model using a sum-metric structure. This model provided the lowest RMSE of 2.1442. Humidity contour maps suggest a gradual decline in humidity levels over time across Bali. This trend may have significant impacts for both environmental quality and the tourism sector. Lower humidity levels could lead to increased discomfort for tourists and potentially reduce the attractiveness of the destination. Theoretically, the development of the kriging model enhances the accuracy of predictions, as shows by the low RMSE. Practically, these findings emphasize the importance of integrating climate considerations into sustainable tourism planning and management strategies based on the humidity information.
Assessing Solar Energy Potential through Sunshine Hour Interpolation using Spatiotemporal Kriging with Local Drift Nugroho, Salma Fitri; Fitriani, Rahma; Iriany, Atiek
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 9, No 4 (2025): October
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v9i4.32048

Abstract

Solar energy is a key renewable resource, particularly valuable in tropical regions like Bali, where sunlight is consistently available throughout the year. Accurate estimation of sunshine duration is essential for assessing solar energy potential, as it directly affects photovoltaic (PV) system performace and informs strategic planning for renewable energy development. This study aims to develop a spatiotemporal statistical interpolation model to estimate and predict sunshine duration patterns across Bali, thereby enhancing the planning and deployment of solar energy infrastructure. This quantitative research applies space-time kriging with local drift using sunshine duration data (in hours) collected from four meteorological stations between 2019 and 2023. The method effectively captures spatial and temporal dependencies by integrating local drift as a deterministic trend component. Among several models tested, the Gaussian-Gaussian-Gaussian (Gau-Gau-Gau) combination delivered the best performance, with an RMSE of 2.3085. The results show a clear seasonal cycle, with higher sunshine duration during the dry season (May–October) and lower values in the wet season (November–March). Northern and eastern Bali, particularly Buleleng and Karangasem, demonstrate the highest solar potential, while central mountainous areas show lower sunshine exposure due to cloud coverage. These results offer not only a methodological contribution through the application of spatiotemporal kriging with local drift, but also a practical framework for decision-makers. The insights can guide strategic placement of solar farms, optimize energy yield forecasts, and support resilient infrastructure planning in line with Bali’s climatic realities and energy needs.
The Application of Truncated Spline Semiparametric Path Analysis on Determining Factors Influencing Cashless Society Development Pramaningrum, Dea Saraswati; Fernandes, Adji Achmad Rinaldo; Iriany, Atiek; Solimun, Solimun
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 8, No 2 (2024): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v8i2.19913

Abstract

Semiparametric path analysis is a combination of parametric and nonparametric path analysis. Semiparametric path analysis is used when there are partially nonlinear and unknown patterns of relationships. One approach to semiparametric pathways is truncated spline. Truncated spline approach tends to search for their own estimation of regression functions according to the data. This is because in the truncated spline there are knot points, which are intersection points that indicate changes in data behavior patterns. Truncated spline semiparametric path analysis will be applied to this study to determine the variables that have a significant effect on the development of the Cashless Society so that the result can be used as a reference for banks and the government in maximizing non-cash-based community development. The data used is the result of a questionnaire with 100 respondents of mobile banking users in Jakarta and will be analyzed using R Studio. Based on the results, it was found that the optimal knot point in the truncated spline function is 3 with many knots is 1, thus dividing the condition of digitizing electronic money into 2 regimes. It was concluded that the product and digitalization of electronic money had a significant effect on the development of cashless society where the modeling obtained could explain 83.87548% of the data. However, when electronic digitalization increases through the value of knot points, the development of cashless society tends to stagnate. This could be due to people who are not ready when the condition of digitizing electronic money is increasingly sophisticated because the available electronic money features are increasingly complex. Therefore, it is important for banks to pay attention to the sophistication of electronic money features provided to customers and adjust the target market so that customers are more accustomed and comfortable to use electronic money in the future.
Comparison of Mediation Effects on Interaction and Multigroup Approach in Structural Equation Modeling PLS in Case of Bank Mortgage Maisaroh, Ulfah; Fernandes, Adji Achmad Rinaldo; Iriany, Atiek; Ullah, Mohammad Ohid
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 8, No 1 (2024): January
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v8i1.19919

Abstract

“Structural Equation Modeling is one of multivariate statistical method that used to explain multiple relationships between latent variables simultaneously to test a mediation model to conduct a formal test on mediation effects. Application PLS-SEM for exploratory research and theory development are increasing. Under certain conditions, the effect of exogenous variables on endogenous variable is also strengthened or weakened by moderating variable. In SEM, there are two approaches in analyzing moderation variables, namely the interaction method and the multigroup method. This article aims to compare the mediation effect on interaction approaches and multigroup approaches in Structural Equation Modeling. The data used is the case of timeliness of Bank X mortgage payments. In this article, statistical methods are evaluated to compare indirect effect between groups and examine indirect effect on each group. It was concluded that Collectability Status moderates the indirect relationship between Capital and the Timeliness of Payment through Willingness to Pay. Debtors with current collectability status more strongly effect the Timeliness of Payment than debtors with incurrect collectability status. Theresults of testing indirect effects on moderation with interaction and multigroup approaches are not much different. In the multigroup approach, the bootstrap interval bias is smaller than the bootstrap interval bias in the interaction approach. The Q-square Predictive Relevance value in both methods is quite high, indicating that the model is good. On the Current Collectibility Status group Q^2 is 89.3%, in the incurrect Collectibility Status Q^2 is 84.2%. While in the interaction approach, Q^2 is 70.4%. Researcher recommend a multigroup approach to data that has categorical moderation variables because differences between groups can be directly observed without adding interaction variables in the model.”