### Journals Information

Mathematics and Statistics Vol. 9(6), pp. 947 - 957
DOI: 10.13189/ms.2021.090611
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## Modeling of Path Nonparametric Truncated Spline Linear, Quadratic, and Cubic in Model on Time Paying Bank Credit

Erlinda Citra Lucki Efendi , Adji Achmad Rinaldo Fernandes *, Maria Bernadetha Theresia Mitakda
Department of Statistics, Faculty of Mathematics and Natural Sciences, Brawijaya University, Indonesia

ABSTRACT

This study aims to estimate the nonparametric truncated spline path functions of linear, quadratic, and cubic orders at one and two knot points and determine the best model on the variables that affect the timely payment of House Ownership Credit (HOC). In addition, this study aims to test the hypothesis to determine the variables that have a significant effect on punctuality in paying House Ownership Credit (HOC). The data used in this study are primary data. The variables used are service quality and lifestyle as exogenous variables, willingness to pay as mediating variables and on time to pay as endogenous variables. Analysis of the data used in this study is a nonparametric path using R software. The results showed that the best model was obtained on a nonparametric truncated spline linear path model with 2 knot points. The model has the smallest GCV value of 25.9059 and R2 value of 96.96%. In addition, the results of hypothesis testing on function estimation have a significant effect on the relationship between service quality and willingness to pay, the relationship between service quality and on time to pay, the relationship between lifestyle and willingness to pay, and the relationship between lifestyle and on time pay. The novelty of this research is to model and test the hypothesis of nonparametric regression development, namely nonparametric truncated spline paths of linear, quadratic and cubic orders.

KEYWORDS
Path Analysis, Path Nonparametric, Truncated Spline, House Ownership Credit

Cite This Paper in IEEE or APA Citation Styles
(a). IEEE Format:
[1] Erlinda Citra Lucki Efendi , Adji Achmad Rinaldo Fernandes , Maria Bernadetha Theresia Mitakda , "Modeling of Path Nonparametric Truncated Spline Linear, Quadratic, and Cubic in Model on Time Paying Bank Credit," Mathematics and Statistics, Vol. 9, No. 6, pp. 947 - 957, 2021. DOI: 10.13189/ms.2021.090611.

(b). APA Format:
Erlinda Citra Lucki Efendi , Adji Achmad Rinaldo Fernandes , Maria Bernadetha Theresia Mitakda (2021). Modeling of Path Nonparametric Truncated Spline Linear, Quadratic, and Cubic in Model on Time Paying Bank Credit. Mathematics and Statistics, 9(6), 947 - 957. DOI: 10.13189/ms.2021.090611.