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EXPLORE THE DETERMINANTS OF CUSTOMERS TIME TO PAY HOUSE OWNERSHIP LOAN ON DATA WITH HIGH MULTICOLLINEARITY WITH PCA-COX REGRESSION Ramadhan, Rangga; Fimba, Adfi Bio; Fernandes, Adji Achmad Rinaldo; Solimun, Solimun; Junianto, Fachira Haneinanda; Amanda, Devi Veda; Sumara, Rauzan
MEDIA STATISTIKA Vol 17, No 2 (2024): Media Statistika
Publisher : Department of Statistics, Faculty of Science and Mathematics, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/medstat.17.2.117-127

Abstract

One of the models in survival analysis is the Cox proportional hazards model. This method ignores assumptions regarding the distribution of survival times studied. If there are indications of multicollinearity in data handling, one way that can be done is to use PCA (Principal Component Analysis). PCA-Cox regression is a combination of survival analysis and PCA which can be an alternative in analyzing multicollinearity survival data. The large number of cases of bad credit means that customers must be careful in providing credit to prospective customers. Character, capacity, capital and collateral variables are thought to influence the length of time customers pay house ownership loans at the bank. The data used is secondary data (n=100) regarding the assessment of character variables, capacity, capital and collateral, credit collectibility, and time to pay customer house ownership loans at the bank. The results of the analysis using PCA-Cox regression show that the variables character, capacity, capital and collateral have a significant effect on the length of house ownership loan payment time for Bank X customers. The originality of this research is the use of the PCA-Cox regression integration model in bank credit risk analysis.
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.