Journal of Statistics Applications & Probability

Author Country (or Countries)

65145 Indonesia


This study aims to determine the role of the moderating variable of mindfulness as the effect between service quality and lifestyle on willingness to pay and on time to pay House Ownership Credit Bank X customers. The moderating variable analysis uses two approaches, namely the interaction method and multigroup analysis. This study uses primary data obtained from questionnaires regarding the variables of service quality, lifestyle, mindfulness, willingness to pay, and on time to pay distributed to house ownership credit Bank X customers with a sampling technique using purposive sampling. The analysis technique uses SEM to examine the effect of the relationship with the help of WarpPLS software. The results of the analysis obtained the role of moderating variables using two approaches. In the interaction method approach, mindfulness proved not to function as a moderating variable. Meanwhile, in the multigroup analysis variable mindfulness was proven to be a moderating variable.

Digital Object Identifier (DOI)