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All Journal CAUCHY: Jurnal Matematika Murni dan Aplikasi
Devi Veda Amanda
Brawijaya University
Mathematics

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Structural Equation Modeling Semiparametric Truncated Spline in Banking Credit Risk Behavior Models Devi Veda Amanda; Atiek Iriany; Adji Achmad Rinaldo Fernandes; Solimun Solimun
CAUCHY: Jurnal Matematika Murni dan Aplikasi Vol 10, No 1 (2025): CAUCHY: JURNAL MATEMATIKA MURNI DAN APLIKASI
Publisher : Mathematics Department, Maulana Malik Ibrahim State Islamic University of Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/cauchy.v10i1.29769

Abstract

Housing is one of the primary needs for every individual. Along with the increasing population growth in Indonesia, the need for housing has also experienced a significant surge. This study aims to analyze the effect of customer attitudes on compliance behavior, fear of paying late, and timeliness of payment on Home Ownership Credit (KPR) customers at X Bank. Using a semiparametric Structural Equation Modeling (SEM) approach, this study examines the relationship between these variables to provide a deeper understanding of the factors that influence customer payment behavior. The data used in this study are primary data obtained through questionnaires distributed to 100 Bank X mortgage customers. The results of the analysis show that there is a significant influence between customer attitudes (X1) on obedient payment behavior (Y1) and fear of paying late (Y2), as well as timeliness of payment (Y3). The estimated coefficients obtained show a positive relationship between compliance behavior and timeliness of payment, and a negative relationship between fear of paying late and timeliness of payment, with a p-value 0.001 indicating statistical significance. This finding indicates that good customer attitudes can improve payment timeliness, while poor attitudes can lead to fear of paying late, which in turn can affect payment timeliness.
Co-Authors Adji Achmad Rinaldo Fernandes Atiek Iriany Solimun, Solimun