One bank that is committed in managing Islamic banking services is Bank Syariah Mandiri.Bank Syariah Mandiri, a bank run business based on Islamic Sharia principles. This principle is poured into a pillar muamalah based on the value of fairness, trust, partnership, transparency, and mutual...

Classical multivariate principal component analysis has been extended to functional data and termed functional principal componentanalysis (FPCA). Most existing FPCA approaches do not accommodate covariate information, and it is the goal of this paper to develop two methods that do. In the ?rst...