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All Journal BAREKENG: Jurnal Ilmu Matematika dan Terapan JTAM (Jurnal Teori dan Aplikasi Matematika)
Hamdan, Rosita Binti
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Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Energy Engineering Mathematics Mechanical Engineering Physics Transportation

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Structural Equation Modeling Semiparametric in Modeling the Accuracy of Payment Time for Customers of Credit Bank in Indonesia Junainto, Fachira Haneinanda; Fernandes, Adji Achmad Rinaldo; Solimun, Solimun; Hamdan, Rosita Binti
JTAM (Jurnal Teori dan Aplikasi Matematika) Vol 8, No 4 (2024): October
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jtam.v8i4.23668

Abstract

Credit risk assessment is crucial for financial institutions to ensure loan repayment. To enhance the prediction accuracy of creditworthiness and timely repayment, this research employs semiparametric structural equation modeling (SEM) to analyze the factors influencing credit repayment timeliness. The research was conducted to apply semiparametric SEM modeling to the timeliness of paying credit. Semiparametric SEM is structural modeling in which two combined approaches of parametric and nonparametric approaches are used. The analysis method in this research is semiparametric SEM with a nonparametric approach using a truncated spline. Truncated splines are chosen for their flexibility, ability to model complex relationships, continuity, interpretability, and strong performance in nonparametric regression tasks. The data in the study were obtained through questionnaires distributed to Bank X mortgage debtors and are confidential. The quetionnairs in the Likert scale, with five options. The study used 3 variables consisting of one exogenous variable, one intervening endogenous variable, and one endogenous variable. The results showed that: (1) the effect of capacity and willingness to pay variables on timeliness of payment is significant; (2) modeling the capacity variable on willingness to pay also produces a significant estimate; (3) the effect of the capacity variable on the timeliness of payment variable is not influenced by the willingness to pay variable as an intervening variable; and (4) the R^2 value of 0.763 or 76.33% indicates that the model has good predictive relevance. To continue to develop punctuality of paying credit, banks need to pay attention to the financial stability of consumers. Besides the financial stability, banks should pay attention to the sense of responsibility that customers have.
DEVELOPMENT OF SEMIPARAMETRIC PATH ANALYSIS MODELING TRUNCATED SPLINE: DETERMINANTS OF INCREASED REGIONAL ECONOMIC GROWTH Junianto, Fachira Haneinanda; Fernandes, Adji Achmad Rinaldo; Solimun, Solimun; Hamdan, Rosita Binti
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 18 No 2 (2024): BAREKENG: Journal of Mathematics and Its Application
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol18iss2pp0949-0960

Abstract

This research aims to determine regional economic improvement to achieve a better Indonesian economy and accelerate the path to achieving a Golden Indonesia in 2045 so that it can be realized in a shorter time. This goal will be achieved with the help of statistical analysis methods, where the analysis used in this research is semiparametric truncated spline indirect effect and total effect analysis. The research becomes original in its approach with the utilization of this method and offers novel insights into the dynamics of regional economic development in Indonesia. These methods in this research serve as a tool for analyzing regional economic dynamics, identifying critical factors for improvement, informing policy decisions aimed at realizing Indonesia's economic aspirations for the future, and providing more flexible results to achieve the research objectives. The study was carried out on data with regional expenditure variables as exogenous variables, labor absorption variables as mediating endogenous variables, and regional economic growth variables as pure endogenous variables. The data used in the research are data published by the National/Provincial Central Bureau of Statistics in the form of the Indonesian Statistics Book, BPS publications in the form of Provinces, Provincial Government Financial Statistics, Directorate General of Financial Balance, Sumreg Bappenas, as well as from Ministries, Institutions or Agencies that related to providing data relating to the variables of this research in 2020. The results of this research are that the relationship between regional expenditure variables and labor absorption variables has a significant effect on regional economic growth variables.
Co-Authors Fernandes, Adji Achmad Rinaldo Junainto, Fachira Haneinanda Junianto, Fachira Haneinanda Solimun, Solimun