Open access Journal SINTA 3
DEVELOPMENT OF CLUSTER INTEGRATION WITH VARIAN BASED STRUCTURAL EQUATION MODELING TO MANAGE HETEROGENEOUS DATA
BAREKENG: Jurnal Ilmu Matematika dan Terapan · Vol. 19 No. 2 (2025) · pp. 1193–1202
- ISSN
- 2615-3017, 1978-7227
- Published
- 2025-04-01
- Publisher
- PATTIMURA UNIVERSITY
- Language
- eng
Abstract
In the application of SEM to multivariate data, the individuals collected not only come from the same population but also from several groups (clusters). This data is heterogeneous. When SEM is applied to heterogeneous data, there will be a risk of bias in estimating equations in the measurement and structural models because there are differences between groups in the data. The purpose of this study is to overcome heterogeneous data in modeling cashless behavior with cluster using a dummy approach. This study used primary data from a survey in Bekasi City using a questionnaire with 100 respondents. Based on the study's results, it is known that using clustering in SEM can overcome heterogeneous data, which is indicated by the high coefficient of determination of 96.12%. Banks can use the results of this study to design products and services that are more in line with customer needs and preferences while encouraging financial inclusion in the digital era.
Collaboration network of the authors
40 authors · 129 co-authorship links · 9 across different organisations · showing the 40 most connected
Hover or tap a name to highlight its co-authors. Double-click to open the author's page.
- University of Brawijaya
- Universitas Negeri Surabaya
- Universiti Malaysia Sarawak
- Université d’Antsiranana
- Affiliation unknown
- Different organisations
- Same organisation
- Affiliation unknown
- Thicker line = more joint articles · bigger circle = more articles
Show as table
| Co-author | Organisation | Joint articles |
|---|---|---|
| Ni Wayan Surya Wardhani | University of Brawijaya | 5 |
| Nurjannah Nurjannah | University of Brawijaya | 4 |
| Solimun | Affiliation unknown | 4 |
| Dea Saraswati Pramaningrum | University of Brawijaya | 4 |
| Suci Astutik | University of Brawijaya | 4 |
| Wigbertus Ngabu | University of Brawijaya | 3 |
| Fachira Haneinanda Junianto | University of Brawijaya | 3 |
| Hanifa Sepriadi | Affiliation unknown | 3 |
| Adji Achmad Rinaldo Fernandes | Affiliation unknown | 3 |
| Cindy Rudiat Sekarsari | University of Brawijaya | 3 |
| Devi Veda Amanda | University of Brawijaya | 3 |
| Ulfah Maisaroh | University of Brawijaya | 2 |
| Luthfia Hanun Yuli Arini | University of Brawijaya | 2 |
| Achmad Efendi | University of Brawijaya | 2 |
| Yossy Maynaldi Pratama | University of Brawijaya | 2 |
| Rosita Hamdan | Universiti Malaysia Sarawak | 2 |
| Rahma Fitriani | University of Brawijaya | 2 |
| Usriatur Rohma | University of Brawijaya | 2 |
| Achmad Efendi | University of Brawijaya | 2 |
| Shalsa Amalia Yulianto | University of Brawijaya | 2 |
| Endang Arisoesilaningsih | Affiliation unknown | 2 |
| Agus Fachrur Rozy | University of Brawijaya | 1 |
| Adji Fernandes | Affiliation unknown | 1 |
| Ani Budi Astuti | University of Brawijaya | 1 |
| Eni Sumarminingsih | University of Brawijaya | 1 |
| Nabila Ayunda Sovia | Affiliation unknown | 1 |
| Danang Arianto | University of Brawijaya | 1 |
| Arditama Putra | University of Brawijaya | 1 |
| M. Fikar Papalia | University of Brawijaya | 1 |
| Rindu Hardianti | University of Brawijaya | 1 |
| Danang Ariyanto | Universitas Negeri Surabaya | 1 |
| Petrus Kanisius Ola | University of Brawijaya | 1 |
| Armando Jacquis Federal Zamelina | University of Brawijaya | 1 |
| Lucius Ramifidisoa | Université d’Antsiranana | 1 |
| Hafizh Syihabuddin Al Jauhar | University of Brawijaya | 1 |
| Maulidya Maghfiro | University of Brawijaya | 1 |
Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.