LAMPIRAN - media.unpad.ac.idmedia.unpad.ac.id/thesis/120110/2014/120110140061_l_2781.pdf · 143 9....

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LAMPIRAN

142

1. Pertanyaan Kuesioner Penelitian

Bagian I: Informasi Pribadi dan Kriteria Usaha

1. Nama:

2. Nama Usaha Barang/Jasa (Brand):

3. Jabatan:

4. Email/No. HP:

5. Jenis Kelamin: Laki-laki Perempuan

6. Usia: ≤ 20

21 ‒ 30

31 ‒ 40

41 ‒ 50

51 ‒ 64

65 and more

7. Pendidikan Terakhir:

SD/SMP/SMA/

Sederajat

Diploma

S1/Sarjana

S2/Magister

S3/Doktor

8. Skala usaha saudara

berdasar Undang-

Undang No. 20 tahun

2008:

Usaha Mikro (memiliki hasil penjualan kurang

dari Rp25 Juta per bulan)

Usaha Kecil (memiliki hasil penjualan Rp25 Juta

sampai dengan Rp208 Juta per bulan)

Usaha Menengah (memiliki hasil penjualan Rp208

Juta sampai dengan Rp4 Milyar per bulan)

Usaha Besar (memiliki hasil penjualan lebih dari

Rp4 Milyar per bulan)

143

9. Penggolongan usaha

berdasarkan jumlah

karyawan

Memiliki 0 - 10 karyawan



Memiliki lebih dari 300 karyawan

10. Tergolong UMKM jenis

apa usaha yang

Saudara kelola:

Pertanian, Peternakan, Kehutanan dan Perikanan;

Pertambangan dan Penggalian;

Industri Pengolahan;

Listrik, Gas dan Air Bersih;

Bangunan;

Perdagangan, Hotel dan Restoran;

Pengangkutan dan Komunikasi;

Keuangan, Persewaan dan Jasa Perusahaan;

Jasa-jasa;

Lainnya; (Sebutkan)

11. Lokasi Usaha

Kabupaten/Kota

(Sebutkan)

: (Contoh: Jakarta Barat, Bogor, Bandung, Cianjur)

144

No Pernyataan 1 2 3 4

Tidak Tahu Kurang Tahu Tahu Sangat Tahu

1 2 3 4

Literasi Keuangan (Financial Literacy)

Pengetahuan Keuangan (X1)

1. Saya mengetahui cara menghitung bunga pinjaman

yang dibebankan oleh bank maupun lembaga keuangan

nonbank lainnya

1 2 3 4

2. Saya mengetahui bahwa inflasi membuat biaya hidup

meningkat

1 2 3 4

3. Saya mengetahui bahwa keuangan usaha dan pribadi

harus dipisahkan

1 2 3 4

4. Saya percaya bahwa investasi yang memberikan

keuntungan besar cenderung memiliki risiko yang

tinggi

1 2 3 4

5. Saya mengetahui bahwa dengan membuka tabungan di

beberapa bank yang berbeda akan memudahkan

konsumen saya

1 2 3 4

6. Saya mengetahui bahwa terdapat Standar Akuntansi

Keuangan untuk Entitas Mikro Kecil dan Menengah

sebagai dasar membuat laporan keuangan UMKM

1 2 3 4

7. Saya mengetahui terdapat perusahaan berbasis

teknologi informasi (start up) khusus untuk UMKM

yang bergerak di bidang pembiayaan, jasa konsultan,

dan jasa penyedia software laporan keuangan

1 2 3 4

8. Saya mengetahui terdapat asuransi mikro khusus untuk

UMKM dengan biaya murah per tahun (contoh:

Asuransi anti bangkrut atau si Abang oleh OJK)

1 2 3 4

145

Tidak pernah Kadang-kadang Sering Selalu

1 2 3 4

Perilaku Keuangan (X2)

9. Saya membuat rencana keuangan tahunan untuk bisnis

saya dan memonitornya secara teratur

1 2 3 4

10. Saya menyisihkan uang untuk pembelian atau keadaan

darurat di masa depan

1 2 3 4

11. Saya menggaji diri saya sendiri dari hasil bisnis untuk

pengeluaran pribadi rumah tangga saya

1 2 3 4

12. Saya menggunakan lebih dari satu rekening tabungan

di lembaga keuangan untuk mendukung bisnis saya

1 2 3 4

13. Selain menabung, saya juga melakukan investasi

(emas, saham, obligasi, tanah, ternak, properti)

1 2 3 4

14. Saya selalu membayar premi akun asuransi untuk

bisnis saya tepat waktu

1 2 3 4

Sikap Keuangan (X3)

15. Sebelum saya membeli sesuatu, saya

mempertimbangkan dengan hati-hati apakah yang saya

beli diklasifikasikan ke dalam aset atau kewajiban

1 2 3 4

16. Saya merasa lebih senang menyimpan uang dalam

waktu yang lama daripada menghabiskannya

1 2 3 4

17. Saya membayar utang saya tepat waktu 1 2 3 4

18. Saya siap menanggung risiko kehilangan uang ketika

menabung atau berinvestasi

1 2 3 4

19. Saya menetapkan rencana keuangan jangka panjang

maupun jangka pendek dan berusaha mencapainya

1 2 3 4

146

Tidak pernah Jarang Sekali Sering Sangat Sering

1 2 3 4

Pelatihan Keuangan (X4)

20. Saya pernah mengikuti pelatihan keuangan dalam lima

tahun terakhir (contoh: cara mengelola keuangan

usaha, cara menghitung laba rugi, pendapatan, beban,

pembukuan, investasi, asuransi)

1 2 3 4

21. Saya merasa mendapatkan pengetahuan baru mengenai

keuangan dan cara mengelolanya setelah mengikuti

pelatihan keuangan

1 2 3 4

22. Pelatihan keuangan bagus untuk menambah

pengetahuan keuangan pelaku usaha mikro, kecil dan

menengah (UMKM)

1 2 3 4

23. Setelah saya mengikuti pelatihan keuangan, Saya

merasa termotivasi untuk membeli/menggunakan

produk keuangan yang berhubungan dengan bisnis

saya

1 2 3 4

24. Setelah mengikuti pelatihan keuangan, Saya merasa

termotivasi untuk mempraktikkan materi tersebut

untuk bisnis saya (contoh: membuat laporan keuangan

bisnis)

1 2 3 4

Tidak pernah Kadang-kadang Sering Selalu

1 2 3 4

Praktik Manajemen Keuangan (Y)

Pengelolaan Kas (Cash Management)

25. Saya menggunakan buku kas untuk mencatat semua

pendapatan dan pengeluaran bisnis

1 2 3 4

26. Bisnis saya telah membuat proyeksi arus kas 1 2 3 4

147

27. Bisnis saya telah memberikan tanda terima uang

kepada pelanggan (bill, struk, kwitansi)

1 2 3 4

28. Bisnis saya sudah memiliki kasir penuh waktu (full

time)

1 2 3 4

Pengelolaan Piutang (Account Receivable Management)

29. Bisnis saya memiliki kebijakan dalam memberikan

kredit kepada pelanggan/reseller (seperti

mempersiapkan aging schedule atau daftar tagihan

bagi konsumen yang mengajukan pembayaran kredit)

1 2 3 4

Pengelolaan Persediaan (Inventory Management)

30. Dalam bisnis saya telah terdapat catatan rangkuman

jumlah inventaris/persediaan yang digunakan (contoh:

jumlah stok barang minggu ini yang tersedia)

1 2 3 4

Pengelolaan Investasi (Investment Management)

31. Bisnis saya telah melakukan investasi pada aset jangka

panjang maupun jangka pendek (emas, tanah dan

bangunan, ternak, properti, asuransi, reksa dana,

deposito, tabungan)

1 2 3 4

32. Sebagai pelaku usaha, saya mencari nasihat

profesional sebelum berinvestasi (konsultan bisnis,

adviser, orang yang berpengalaman & profesional

dalam investasi)

1 2 3 4

33. Sebagai pelaku usaha, saya mengevaluasi investasi

yang telah dilakukan setelah jangka waktu tertentu

1 2 3 4

Pengelolaan Pembiayaan (Financing Management)

34. Sebelum saya mengajukan pinjaman, saya sudah

membuat rencana bagaimana dana pinjaman akan

digunakan

1 2 3 4

35. Pembiayaan usaha bersumber dari modal pribadi dan

keuntungan yang dihasilkan usaha

1 2 3 4

148

36. Pembiayaan usaha bersumber dari hutang/pinjaman 1 2 3 4

Sistem Informasi Akuntansi (Accounting Information System)

37. Bisnis yang saya jalankan menerapkan sistem

akuntansi formal (sistem akuntansi yang dibuat oleh

akuntan)

1 2 3 4

38. Bisnis saya telah menggunakan software aplikasi atau

perangkat lunak yang ada di komputer dalam mencatat

transaksi dan membantu mengelola keuangan usaha

1 2 3 4

Analisa dan Laporan Keuangan

49. Saya menyiapkan laporan keuangan yang terdiri dari

laporan laba rugi, neraca dan catatan atas laporan

keuangan/CALK untuk bisnis saya

Pilih 1 jika tidak membuat laporan keuangan

Pilih 2 jika membuat satu laporan keuangan

Pilih 3 jika membuat dua laporan keuangan

Pilih 4 jika membuat tiga laporan keuangan

1 2 3 4

40. Saya menggunakan informasi keuangan dalam laporan

keuangan bisnis untuk mengelola keuangan bisnis

1 2 3 4

149

2. Entry Kuesioner

No Pengetahuan Keuangan (X1) Perilaku Keuangan (X2) Sikap Keuangan (X3) Pelatihan Keuangan (X4) Praktik Manajemen Keuangan (Y)

p1 p2 p3 p4 p5 p6 p7 p8 p1 p2 p3 p4 p5 p6 p1 p2 p3 p4 p5 p1 p2 p3 p4 p5 p1 p2 p3 p4 p5 p6 p7 p8 p9 p10 p11 p12 p13 p14 p15 p16

1 3 3 3 3 4 2 3 3 3 3 3 3 3 3 4 2 3 3 3 2 3 3 4 3 4 3 3 4 4 4 4 2 4 4 3 2 3 4 4 4

2 2 1 4 4 4 2 1 1 3 2 3 4 2 1 2 2 3 1 3 1 1 1 1 1 2 1 4 2 4 2 1 1 2 2 3 1 1 1 1 1

3 3 4 4 4 4 1 3 1 2 4 2 4 4 1 4 4 2 1 4 1 1 3 1 2 4 1 4 1 1 4 1 1 1 1 4 1 1 4 2 1

4 3 4 4 4 2 2 2 2 4 4 3 4 1 1 4 4 4 4 4 1 1 1 1 1 4 4 4 2 3 2 1 2 3 4 4 2 1 1 1 1

5 3 4 3 4 3 2 3 1 2 3 3 2 2 1 3 2 3 3 3 2 2 3 3 3 3 3 3 2 3 3 3 3 3 3 2 2 2 2 2 2

6 2 3 4 3 2 2 2 3 2 3 3 3 2 3 4 3 3 3 3 1 3 2 2 2 2 2 2 3 3 2 3 3 3 3 3 3 2 2 2 2

7 2 3 4 3 3 2 3 2 3 3 3 2 2 1 4 3 4 3 3 1 1 3 1 1 4 3 2 1 1 1 1 1 2 1 4 1 1 1 2 2

8 2 4 4 4 4 3 2 2 4 2 3 1 1 1 3 2 2 3 2 1 1 1 1 1 4 3 2 3 2 3 1 3 3 3 3 3 2 2 1 2

9 3 3 4 3 3 2 3 2 4 4 4 4 4 1 2 1 3 4 4 1 1 1 1 1 4 4 4 2 1 4 1 1 4 4 4 1 1 4 2 2

10 3 4 4 3 3 3 3 2 4 2 4 3 4 1 4 2 4 1 3 3 3 4 3 4 4 3 4 4 2 4 3 4 4 4 4 1 2 3 2 4

11 4 3 4 3 3 4 3 2 4 3 3 3 2 3 3 4 4 4 3 4 4 4 3 3 2 3 4 2 1 4 1 4 4 4 3 3 4 3 4 3

12 1 3 3 3 3 2 3 3 2 2 2 2 2 2 4 4 4 4 4 1 1 1 1 1 3 2 2 1 1 1 1 1 1 1 1 1 1 1 1 2

13 4 4 4 4 4 4 4 3 4 4 1 3 4 4 3 3 4 2 4 4 4 4 3 4 4 4 4 4 1 4 4 4 4 4 4 1 4 4 4 4

14 2 4 4 4 4 2 3 1 3 3 4 4 3 1 4 3 4 4 4 1 1 4 1 1 4 3 4 2 4 3 2 4 3 1 4 1 3 2 3 3

15 3 4 4 3 4 3 3 3 2 3 3 3 1 1 4 2 3 2 3 2 2 2 2 2 3 2 3 3 1 3 3 2 2 1 4 1 1 1 1 2

16 2 2 4 3 3 3 3 2 2 3 3 3 3 2 4 3 2 3 3 3 3 3 3 3 3 2 3 1 1 2 1 2 3 3 2 2 2 1 2 1

17 1 1 4 4 4 2 4 2 2 1 1 2 1 1 4 2 2 1 1 1 1 1 1 1 2 1 2 1 1 1 1 1 1 1 4 1 1 1 1 1

18 4 4 4 4 2 2 2 2 4 4 4 4 3 3 4 4 3 3 4 1 1 1 1 1 4 2 3 1 1 1 1 1 1 4 4 2 1 1 2 1

19 4 3 4 4 3 2 2 2 2 2 4 4 2 2 3 2 4 2 3 1 1 1 1 1 2 2 3 3 1 2 2 1 2 3 2 3 2 1 1 1

20 3 3 4 4 3 3 3 1 4 3 2 4 2 1 4 2 4 2 3 2 1 3 1 1 4 2 3 1 3 2 1 2 3 3 3 3 1 1 3 3

21 3 3 4 3 4 4 3 2 3 4 3 1 1 1 4 3 4 3 3 2 3 4 3 3 2 3 2 1 1 4 1 1 1 3 4 2 3 2 1 1

22 1 3 3 3 3 3 3 3 2 1 1 2 1 1 2 2 4 1 2 1 2 2 2 2 2 2 2 2 1 1 1 1 1 1 1 1 1 1 1 1

150



23 1 2 2 3 3 3 2 2 1 3 3 2 1 1 2 2 2 2 2 1 1 2 2 2 1 1 2 1 1 1 1 1 1 1 3 1 1 1 1 1

24 2 3 3 4 3 3 2 2 2 3 3 3 1 1 4 2 4 3 3 1 1 2 3 1 4 1 2 1 1 3 1 3 3 1 1 1 1 1 1 3

25 3 3 4 3 3 3 3 3 3 3 2 3 3 4 4 2 4 3 3 2 3 3 3 3 4 3 4 4 4 4 4 4 4 1 4 1 3 4 4 4

26 1 3 4 3 3 3 3 2 3 4 4 3 2 1 3 2 4 2 2 1 2 3 2 3 2 2 2 2 1 2 2 1 4 4 3 1 1 1 2 1

27 4 4 4 4 4 4 2 4 3 3 3 3 2 4 2 3 4 2 3 3 2 3 3 3 3 3 1 1 1 1 2 2 3 3 3 2 1 1 1 1

28 3 4 3 4 3 3 2 2 1 1 2 1 1 1 3 3 2 1 2 2 2 2 2 2 1 1 2 1 1 1 1 1 1 2 2 2 1 1 1 1

29 4 4 4 4 2 3 4 4 4 4 4 3 4 4 4 4 4 2 4 3 4 4 4 4 4 1 4 1 4 4 4 4 4 4 4 4 2 1 1 1

30 4 4 4 4 1 1 4 1 2 4 4 3 4 2 3 4 4 2 4 4 4 4 3 3 4 3 2 1 3 4 1 1 1 3 3 3 4 3 4 3

31 4 4 4 4 4 4 4 1 1 1 1 1 1 1 4 2 2 1 2 1 1 1 1 1 1 1 3 1 2 4 1 3 2 4 4 1 2 4 2 2

32 1 3 3 3 1 3 1 1 1 1 1 1 1 1 3 2 3 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

33 3 4 4 3 4 2 1 1 2 2 2 4 3 1 3 3 3 4 3 1 1 1 1 1 3 3 4 3 3 3 3 2 3 3 4 1 1 2 1 2

34 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

35 1 1 4 4 3 2 2 1 2 3 4 2 1 1 3 4 4 1 3 1 1 1 1 1 2 2 1 1 1 3 1 3 3 1 3 1 1 1 1 1

36 3 3 3 3 3 4 3 2 2 2 2 2 3 1 3 3 3 2 3 3 3 4 3 3 3 2 1 1 1 2 1 2 3 3 3 1 2 2 1 2

37 1 4 4 4 4 4 4 1 4 4 4 4 4 1 4 4 4 4 4 4 4 4 4 4 4 1 1 1 1 4 1 1 4 1 4 1 4 1 4 4

38 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

39 1 2 3 3 3 2 3 2 3 3 3 3 2 1 3 2 3 2 3 1 1 1 1 1 3 3 3 2 2 2 2 2 2 2 2 1 2 2 2 3

40 2 3 4 4 4 3 3 2 2 4 2 4 1 1 3 3 4 4 3 1 1 4 1 1 2 3 4 2 1 3 1 4 3 3 4 1 1 2 2 1

41 1 2 4 3 3 3 2 1 3 2 2 3 1 1 3 3 3 3 3 2 2 3 3 4 3 3 4 2 2 3 2 4 2 1 4 1 3 3 4 3

42 3 3 4 4 4 2 3 2 3 3 1 4 2 1 4 2 3 3 2 2 2 3 3 3 4 4 2 1 1 3 2 2 2 3 4 2 3 2 2 4

43 2 3 3 3 3 3 3 2 2 2 4 4 1 1 3 3 4 2 4 2 4 4 4 4 4 4 4 4 2 4 2 2 2 2 3 2 2 3 2 3

44 2 3 4 3 3 1 2 1 1 2 2 1 1 1 3 2 2 1 2 2 2 3 2 3 1 1 2 2 1 2 1 1 1 1 3 3 1 1 1 1

45 1 1 4 4 4 3 1 1 2 2 3 1 1 1 4 4 4 2 4 1 1 4 4 4 2 1 2 1 1 1 1 1 1 4 2 2 1 1 1 1

46 1 3 4 3 3 3 3 3 4 4 4 1 2 1 4 4 3 2 3 1 1 3 3 3 3 1 4 2 2 2 3 3 3 3 3 3 2 2 1 1

47 3 3 3 3 3 2 3 2 2 2 2 3 1 1 3 3 3 2 2 1 1 1 1 1 2 2 3 1 2 3 1 2 2 1 2 2 1 1 1 1

151



48 4 2 4 4 4 2 3 2 1 2 4 4 2 1 4 2 3 2 3 2 2 3 2 3 3 2 2 3 1 2 1 2 2 3 4 2 2 2 2 2

49 3 3 3 3 3 2 4 2 3 4 2 3 1 1 4 2 4 3 3 1 1 1 1 1 4 3 4 3 3 1 1 3 3 4 4 3 2 4 3 4

50 1 1 4 3 4 2 3 2 3 3 3 4 2 1 2 2 4 3 3 2 2 3 3 3 3 1 3 1 1 1 1 1 3 1 4 1 1 1 1 1

51 2 4 4 3 4 3 3 2 3 2 3 4 2 1 4 3 4 3 2 4 4 4 4 4 4 3 4 3 1 2 2 3 3 3 3 2 1 1 1 2

52 2 1 1 3 3 1 3 1 1 2 3 2 2 1 4 3 4 2 1 1 1 1 1 1 1 1 2 1 1 1 1 1 1 1 1 1 1 1 1 1

53 3 3 3 3 3 3 3 2 2 2 3 3 3 2 2 2 3 3 2 2 2 3 2 2 3 2 3 2 2 3 3 2 3 3 2 3 2 3 2 2

54 2 3 4 3 4 3 4 2 4 4 4 4 1 2 4 4 4 2 4 2 3 3 4 4 3 4 2 1 1 3 2 3 2 3 4 2 1 1 4 4

55 3 3 4 4 3 2 2 2 2 3 3 3 1 1 4 3 3 2 3 2 2 3 3 3 3 3 4 2 2 4 2 1 1 3 3 2 1 1 3 1

56 3 4 4 4 3 3 4 3 4 4 4 3 3 3 3 2 4 4 4 2 3 4 3 3 4 3 3 2 1 3 2 2 2 3 4 3 1 3 3 3

57 3 3 4 3 3 2 2 2 4 3 4 4 4 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 3 3 4 4 4 4 3 3 3 4 4 3

58 3 4 4 4 3 4 4 2 4 4 4 4 4 1 4 4 4 4 2 1 1 1 1 1 4 4 4 4 1 4 1 1 1 4 4 1 1 4 3 4

59 1 1 4 3 3 2 1 1 4 4 4 1 1 1 4 4 4 3 4 1 1 1 1 1 4 4 2 1 1 4 1 1 1 3 3 3 4 3 4 4

60 1 3 4 3 3 1 3 1 3 3 3 4 2 1 3 2 4 2 2 1 1 1 2 2 3 3 2 1 1 1 1 3 3 1 2 1 1 1 2 3

61 4 3 4 4 2 1 3 1 2 2 1 1 4 1 4 4 4 2 4 1 2 2 2 4 4 4 4 2 4 4 3 2 2 1 4 1 1 4 1 4

62 2 3 4 3 3 2 2 2 2 3 3 2 1 1 2 2 3 2 3 2 2 3 2 2 1 1 1 1 1 2 1 2 2 1 3 1 1 1 1 1

63 1 3 4 3 4 3 3 1 3 4 4 4 1 1 3 4 4 3 3 3 3 4 4 4 3 2 1 1 3 3 1 4 4 4 4 3 2 4 2 4

64 2 3 3 3 3 3 3 3 4 4 3 2 1 1 3 3 2 3 3 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 2 2

65 2 3 4 3 2 2 3 2 3 3 3 3 3 3 3 3 3 2 3 3 3 4 3 3 4 1 4 3 3 3 3 4 4 4 4 1 3 3 2 2

66 2 3 3 3 2 2 3 2 3 3 3 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 2 3 3 3 3 3 3 3 2 3 3 3

67 2 3 4 3 4 3 4 3 3 2 3 2 2 2 4 3 4 3 2 2 4 4 3 4 4 4 2 1 2 3 3 4 4 4 3 3 2 1 2 2

68 1 2 3 2 3 2 2 2 2 2 4 4 1 1 2 2 2 1 2 1 2 2 2 2 2 2 2 1 1 2 1 3 3 2 2 3 1 2 1 1

69 2 4 4 4 4 3 3 4 1 2 2 2 1 1 2 3 3 3 1 3 4 4 4 4 3 3 3 3 2 2 2 2 2 3 3 2 2 1 2 2

70 3 4 4 3 2 3 3 2 2 1 2 1 1 1 2 1 3 3 2 2 3 3 3 2 3 2 1 2 3 2 1 1 1 1 3 1 1 3 2 3

71 3 4 4 4 4 3 3 2 3 3 4 4 4 1 3 4 4 4 4 1 1 4 1 1 4 4 4 3 1 4 4 3 3 1 4 1 3 4 2 4

72 3 4 4 2 2 3 3 3 4 4 3 3 1 1 4 3 4 2 4 3 3 3 3 3 3 3 4 2 1 4 2 4 2 4 4 1 1 1 1 2

152



73 1 2 4 3 4 2 2 2 2 3 3 4 1 1 3 2 3 2 2 3 3 4 3 2 3 1 3 1 1 2 1 1 3 1 3 1 1 2 1 2

74 2 2 3 3 2 1 2 2 4 4 4 2 1 1 3 3 2 3 2 3 2 2 3 2 3 3 2 3 2 3 3 3 3 2 3 3 2 3 3 3

75 2 3 4 3 4 2 4 2 3 3 4 3 1 1 4 3 3 2 4 4 4 4 4 4 3 2 2 2 3 3 2 4 4 4 4 1 3 2 2 3

76 4 4 4 4 4 4 4 3 3 4 4 4 3 1 4 3 4 4 4 4 4 4 4 4 4 1 4 1 1 4 1 3 3 4 4 4 3 4 2 4

77 1 4 4 4 3 2 1 1 3 4 4 4 1 1 4 4 4 2 4 1 2 3 2 2 3 1 4 3 2 3 1 2 1 3 4 1 1 2 1 2

78 3 4 4 4 4 2 4 2 3 3 4 4 2 2 3 3 4 3 4 1 1 3 1 1 4 4 2 1 3 3 1 2 3 3 4 1 3 4 2 4

79 2 3 3 1 2 2 2 2 2 2 2 1 2 1 1 2 2 2 2 1 1 3 1 1 4 4 2 2 2 2 1 3 3 3 4 2 2 1 3 3

80 3 3 4 3 2 3 3 3 2 3 2 3 2 2 3 3 3 3 3 2 3 3 3 3 2 2 2 2 1 2 2 3 2 1 3 3 2 2 1 2

81 3 4 4 3 3 2 2 1 3 3 4 3 2 1 3 4 3 2 4 2 2 3 1 1 3 4 4 2 1 3 2 2 3 2 4 1 1 1 2 3

82 2 2 4 3 3 3 1 1 4 3 3 4 2 1 2 2 4 3 4 1 1 3 3 3 4 4 4 1 2 4 2 4 3 4 4 2 1 3 1 2

83 1 3 3 3 3 1 3 1 1 2 1 3 4 1 4 4 4 4 2 2 2 2 3 3 3 2 2 1 1 1 4 1 3 1 4 1 1 1 1 2

84 3 3 4 4 4 4 3 3 4 4 4 4 4 1 4 3 3 3 3 2 3 3 4 4 2 4 3 4 3 3 3 2 3 2 3 1 3 1 1 2

85 3 3 4 3 4 4 2 2 3 4 4 4 1 1 2 4 4 4 4 2 2 3 3 3 1 2 1 1 1 3 2 1 3 4 4 1 4 4 1 1

86 3 3 3 3 3 3 3 2 3 3 3 3 3 3 3 4 3 3 3 3 3 3 3 3 3 2 2 2 2 3 2 3 3 3 3 3 3 3 3 3

87 1 3 2 3 3 3 2 2 2 1 1 2 1 1 1 2 3 1 3 1 1 1 1 1 2 1 1 2 1 2 1 1 2 1 1 1 1 1 1 3

88 2 3 4 4 3 3 3 2 2 3 3 3 1 2 3 3 4 4 4 2 3 4 2 4 4 4 3 4 3 3 4 4 4 1 4 4 4 4 4 4

89 2 3 3 4 4 2 2 2 2 2 3 4 3 2 3 3 3 4 3 2 3 4 4 4 3 2 1 1 2 3 3 3 3 2 2 2 3 3 2 2

90 3 4 4 4 2 1 1 1 3 4 2 2 3 1 4 3 4 4 4 1 1 2 1 1 3 1 1 1 4 2 1 1 1 3 4 1 1 1 1 1

91 4 4 4 4 4 4 4 1 4 4 3 4 4 1 4 4 4 3 4 1 1 4 1 1 4 3 4 2 1 4 4 2 3 3 1 1 4 1 1 4

92 2 2 4 3 4 3 3 2 2 2 2 3 2 2 3 3 2 2 2 3 3 3 3 3 3 3 4 2 3 2 2 2 2 2 3 2 3 2 3 3

93 1 3 3 3 3 1 3 1 1 1 3 1 1 1 3 2 2 2 2 1 1 3 1 1 1 1 1 1 1 1 1 1 1 1 3 1 1 1 1 1

94 2 4 4 4 3 4 3 3 3 4 4 1 1 1 4 3 4 3 4 2 3 4 3 3 4 2 4 2 4 4 1 3 1 2 4 2 4 3 2 4

95 4 4 4 4 4 4 4 2 2 3 4 2 3 1 4 3 3 4 4 4 4 4 4 4 4 2 2 2 1 4 1 4 4 4 4 4 3 4 4 4

96 3 3 4 3 4 2 2 2 3 4 4 3 3 3 3 3 3 3 3 2 2 3 3 3 3 3 3 3 2 3 2 3 3 3 3 3 3 3 3 3

97 3 3 3 3 4 3 3 3 2 2 2 2 1 1 2 2 3 2 2 2 3 3 3 2 2 2 4 1 2 2 2 3 2 3 3 2 1 1 2 2

153



98 2 3 4 4 2 2 3 3 4 3 1 1 1 3 3 2 4 3 3 3 3 4 4 3 3 3 3 1 1 3 1 3 3 4 3 3 2 2 1 2

99 3 3 4 4 3 3 4 1 1 1 2 3 1 1 4 2 4 1 3 3 3 3 3 3 2 2 3 1 1 1 1 1 1 3 3 2 2 2 1 1

100 1 3 4 4 4 1 1 1 2 3 4 3 1 1 4 3 4 3 4 4 3 3 2 4 4 4 4 4 3 1 4 3 2 1 4 2 4 2 1 2

101 1 4 3 3 1 1 3 1 2 2 2 2 1 1 1 1 2 1 2 2 2 3 1 2 2 2 2 1 1 1 1 2 2 1 2 2 1 1 1 1

102 2 4 4 3 3 3 4 4 4 4 3 2 2 1 4 4 4 2 4 2 3 4 4 4 4 4 4 3 2 4 2 1 2 4 4 1 1 1 2 2

103 4 4 4 4 4 3 3 2 3 3 3 3 3 2 3 3 3 3 3 2 3 3 3 3 3 3 3 3 2 3 3 3 3 3 3 1 3 3 3 3

104 1 4 4 4 1 4 4 1 3 3 3 1 1 1 2 2 2 1 1 1 1 1 1 1 1 3 4 1 1 1 1 4 1 1 4 1 4 4 3 3

105 4 3 3 3 3 3 1 2 3 3 3 3 3 2 4 3 1 1 1 3 3 3 3 3 4 4 4 2 1 2 3 3 3 1 1 1 1 1 3 1

106 3 3 4 4 4 3 4 3 2 3 2 2 2 1 4 3 3 2 4 1 1 4 3 3 3 3 4 1 4 4 2 4 3 3 4 2 1 1 1 1

107 4 3 4 4 3 3 3 2 4 3 3 2 2 1 4 2 2 3 3 2 3 4 3 3 3 2 1 1 2 3 2 1 1 4 3 2 1 2 3 2

108 1 1 2 1 1 1 1 1 2 2 2 2 2 1 2 2 2 1 2 1 1 1 1 1 2 1 2 2 2 2 1 1 1 2 3 2 1 1 1 1

109 3 3 4 4 3 3 2 2 4 4 4 4 2 2 4 3 4 4 4 4 4 4 4 4 3 3 3 3 2 3 3 4 4 4 4 4 4 2 3 3

110 1 3 3 3 3 1 1 1 1 2 1 3 2 1 3 2 4 4 1 1 1 1 1 1 2 1 2 1 1 2 1 2 1 4 3 1 1 1 3 1

111 3 3 4 3 4 3 2 1 2 3 3 4 2 1 3 3 3 3 3 4 4 4 2 4 3 3 2 1 3 3 2 1 3 2 3 1 1 3 2 3

112 3 3 3 3 3 3 2 3 2 1 3 3 1 1 3 2 2 2 3 2 3 3 3 3 2 2 3 1 1 2 1 1 2 3 4 1 1 1 1 1

113 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 3 4 4 3 2 3 4 3

114 3 2 4 3 3 3 3 2 2 2 3 3 1 1 3 2 2 2 2 2 2 3 3 3 3 1 2 1 1 1 1 2 1 2 3 2 1 2 2 2

115 2 3 3 4 3 2 2 2 2 4 2 4 1 1 4 4 3 2 4 2 3 4 3 3 4 3 4 1 1 3 3 1 2 3 2 2 1 2 2 2

116 3 3 4 3 3 3 3 2 2 2 3 1 2 3 4 3 4 3 2 2 3 3 3 3 2 1 3 1 3 2 2 3 3 3 4 1 1 1 2 1

117 3 3 4 3 4 3 3 2 3 4 4 3 4 1 4 4 4 2 4 3 2 3 2 2 4 3 4 1 1 4 4 1 3 1 4 1 1 3 2 2

118 1 2 3 1 2 1 3 2 2 2 2 1 1 1 2 3 3 2 2 1 1 1 1 1 1 1 2 1 3 1 1 1 1 1 3 1 1 1 1 1

119 2 3 3 2 4 2 4 3 2 4 3 4 2 1 3 4 3 3 2 2 3 4 3 4 4 2 2 3 3 4 2 2 3 4 4 2 3 3 2 3

120 2 4 4 4 4 3 4 2 4 4 4 4 4 1 3 3 4 3 4 4 4 4 4 4 4 4 2 2 1 3 4 1 4 4 4 1 4 1 2 4

121 1 3 4 1 3 1 1 1 3 3 3 3 1 1 3 3 3 3 3 1 1 3 1 1 4 2 1 1 1 3 1 1 1 1 4 1 1 1 1 1

122 2 3 3 2 4 2 2 2 2 3 1 3 2 1 2 2 3 1 3 1 1 3 1 1 2 2 1 1 1 2 1 1 1 2 2 2 1 1 1 2

154



123 1 2 4 3 3 2 2 2 2 3 4 4 2 1 4 2 3 4 2 1 1 1 1 1 3 2 3 1 1 2 2 2 2 1 4 1 1 3 2 2

124 3 3 4 3 3 1 1 1 2 3 3 2 3 1 2 3 4 4 3 1 1 3 2 3 4 2 3 3 3 2 1 1 2 3 4 1 1 1 2 2

125 3 3 3 2 3 1 1 1 4 4 4 1 2 1 4 4 4 4 4 1 1 4 1 1 1 1 2 1 1 1 3 1 2 4 4 1 1 1 1 1

126 2 3 3 2 3 3 2 2 2 2 2 3 2 2 3 3 3 2 3 2 2 3 3 3 3 3 2 2 2 3 2 2 2 3 2 2 2 2 2 2

127 3 2 3 4 3 3 3 2 2 4 3 1 2 1 1 3 4 2 3 2 3 4 4 3 2 2 3 1 2 2 3 2 4 3 4 1 3 1 1 1

128 3 3 4 4 4 3 4 3 2 2 2 4 3 1 2 3 2 2 1 3 4 3 4 4 3 3 3 2 1 2 2 2 1 2 4 2 1 3 3 2

129 2 2 3 3 3 2 3 2 2 3 2 3 1 3 3 2 3 3 2 1 1 4 2 3 2 1 2 1 2 2 2 2 3 3 4 2 1 1 1 2

130 2 3 3 3 4 3 3 3 3 3 2 3 3 4 3 3 4 2 3 1 2 3 2 2 4 3 3 1 2 3 3 3 3 3 3 2 1 1 2 2

131 1 3 2 2 3 3 1 1 1 2 1 3 1 1 1 2 1 1 2 1 1 2 1 1 2 2 4 3 1 1 1 1 1 1 1 1 1 1 1 1

155

3. Lampiran Transformasi Data dari Jenis Skala Ordinal Menjadi Skala Interval


1 2.813 2.821 2.768 2.795 4.186 2.037 2.873 3.303 3.087 2.919 2.769 2.575 2.737 2.728 4.065 2.433 3.110 2.924 2.958 2.132 2.596 2.366 3.580 2.428 3.809 2.748 2.795 3.600 3.588 3.752 3.544 1.993 3.805 3.429 2.530 2.147 2.628 3.411 3.634 3.611

2 1.975 1.000 4.271 4.205 4.186 2.037 1.000 1.000 3.087 2.027 2.769 3.662 2.083 1.000 1.934 2.433 3.110 1.000 2.958 1.000 1.000 1.000 1.000 1.000 1.913 1.000 3.759 2.107 3.588 1.960 1.000 1.000 1.917 1.796 2.530 1.000 1.000 1.000 1.000 1.000

3 2.813 4.158 4.271 4.205 4.186 1.000 2.873 1.000 2.183 4.027 1.930 3.662 3.557 1.000 4.065 4.656 2.147 1.000 4.094 1.000 1.000 2.366 1.000 1.825 3.809 1.000 3.759 1.000 1.000 3.752 1.000 1.000 1.000 1.000 3.755 1.000 1.000 3.411 2.143 1.000

4 2.813 4.158 4.271 4.205 1.837 2.037 1.935 2.269 4.062 4.027 2.769 3.662 1.000 1.000 4.065 4.656 4.347 3.955 4.094 1.000 1.000 1.000 1.000 1.000 3.809 3.749 3.759 2.107 2.728 1.960 1.000 1.993 2.706 3.429 3.755 2.147 1.000 1.000 1.000 1.000

5 2.813 4.158 2.768 4.205 2.871 2.037 2.873 1.000 2.183 2.919 2.769 1.854 2.083 1.000 2.838 2.433 3.110 2.924 2.958 2.132 1.950 2.366 2.518 2.428 2.697 2.748 2.795 2.107 2.728 2.727 2.714 2.635 2.706 2.379 1.765 2.147 2.072 2.012 2.143 2.048

6 1.975 2.821 4.271 2.795 1.837 2.037 1.935 3.303 2.183 2.919 2.769 2.575 2.083 2.728 4.065 3.531 3.110 2.924 2.958 1.000 2.596 1.706 1.859 1.825 1.913 1.983 2.048 2.760 2.728 1.960 2.714 2.635 2.706 2.379 2.530 2.919 2.072 2.012 2.143 2.048

7 1.975 2.821 4.271 2.795 2.871 2.037 2.873 2.269 3.087 2.919 2.769 1.854 2.083 1.000 4.065 3.531 4.347 2.924 2.958 1.000 1.000 2.366 1.000 1.000 3.809 2.748 2.048 1.000 1.000 1.000 1.000 1.000 1.917 1.000 3.755 1.000 1.000 1.000 2.143 2.048

8 1.975 4.158 4.271 4.205 4.186 3.027 1.935 2.269 4.062 2.027 2.769 1.000 1.000 1.000 2.838 2.433 2.147 2.924 2.038 1.000 1.000 1.000 1.000 1.000 3.809 2.748 2.048 2.760 2.098 2.727 1.000 2.635 2.706 2.379 2.530 2.919 2.072 2.012 1.000 2.048

9 2.813 2.821 4.271 2.795 2.871 2.037 2.873 2.269 4.062 4.027 3.891 3.662 3.557 1.000 1.934 1.000 3.110 3.955 4.094 1.000 1.000 1.000 1.000 1.000 3.809 3.749 3.759 2.107 1.000 3.752 1.000 1.000 3.805 3.429 3.755 1.000 1.000 3.411 2.143 2.048

10 2.813 4.158 4.271 2.795 2.871 3.027 2.873 2.269 4.062 2.027 3.891 2.575 3.557 1.000 4.065 2.433 4.347 1.000 2.958 2.816 2.596 3.527 2.518 3.470 3.809 2.748 3.759 3.600 2.098 3.752 2.714 3.542 3.805 3.429 3.755 1.000 2.072 2.558 2.143 3.611

11 3.903 2.821 4.271 2.795 2.871 4.199 2.873 2.269 4.062 2.919 2.769 2.575 2.083 2.728 2.838 4.656 4.347 3.955 2.958 3.603 3.572 3.527 2.518 2.428 1.913 2.748 3.759 2.107 1.000 3.752 1.000 3.542 3.805 3.429 2.530 2.919 3.458 2.558 3.634 2.736

12 1.000 2.821 2.768 2.795 2.871 2.037 2.873 3.303 2.183 2.027 1.930 1.854 2.083 2.258 4.065 4.656 4.347 3.955 4.094 1.000 1.000 1.000 1.000 1.000 2.697 1.983 2.048 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.048

13 3.903 4.158 4.271 4.205 4.186 4.199 4.062 3.303 4.062 4.027 1.000 2.575 3.557 3.449 2.838 3.531 4.347 2.054 4.094 3.603 3.572 3.527 2.518 3.470 3.809 3.749 3.759 3.600 1.000 3.752 3.544 3.542 3.805 3.429 3.755 1.000 3.458 3.411 3.634 3.611

14 1.975 4.158 4.271 4.205 4.186 2.037 2.873 1.000 3.087 2.919 3.891 3.662 2.737 1.000 4.065 3.531 4.347 3.955 4.094 1.000 1.000 3.527 1.000 1.000 3.809 2.748 3.759 2.107 3.588 2.727 2.089 3.542 2.706 1.000 3.755 1.000 2.628 2.012 2.844 2.736

15 2.813 4.158 4.271 2.795 4.186 3.027 2.873 3.303 2.183 2.919 2.769 2.575 1.000 1.000 4.065 2.433 3.110 2.054 2.958 2.132 1.950 1.706 1.859 1.825 2.697 1.983 2.795 2.760 1.000 2.727 2.714 1.993 1.917 1.000 3.755 1.000 1.000 1.000 1.000 2.048

16 1.975 1.777 4.271 2.795 2.871 3.027 2.873 2.269 2.183 2.919 2.769 2.575 2.737 2.258 4.065 3.531 2.147 2.924 2.958 2.816 2.596 2.366 2.518 2.428 2.697 1.983 2.795 1.000 1.000 1.960 1.000 1.993 2.706 2.379 1.765 2.147 2.072 1.000 2.143 1.000

17 1.000 1.000 4.271 4.205 4.186 2.037 4.062 2.269 2.183 1.000 1.000 1.854 1.000 1.000 4.065 2.433 2.147 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.913 1.000 2.048 1.000 1.000 1.000 1.000 1.000 1.000 1.000 3.755 1.000 1.000 1.000 1.000 1.000

18 3.903 4.158 4.271 4.205 1.837 2.037 1.935 2.269 4.062 4.027 3.891 3.662 2.737 2.728 4.065 4.656 3.110 2.924 4.094 1.000 1.000 1.000 1.000 1.000 3.809 1.983 2.795 1.000 1.000 1.000 1.000 1.000 1.000 3.429 3.755 2.147 1.000 1.000 2.143 1.000

19 3.903 2.821 4.271 4.205 2.871 2.037 1.935 2.269 2.183 2.027 3.891 3.662 2.083 2.258 2.838 2.433 4.347 2.054 2.958 1.000 1.000 1.000 1.000 1.000 1.913 1.983 2.795 2.760 1.000 1.960 2.089 1.000 1.917 2.379 1.765 2.919 2.072 1.000 1.000 1.000

20 2.813 2.821 4.271 4.205 2.871 3.027 2.873 1.000 4.062 2.919 1.930 3.662 2.083 1.000 4.065 2.433 4.347 2.054 2.958 2.132 1.000 2.366 1.000 1.000 3.809 1.983 2.795 1.000 2.728 1.960 1.000 1.993 2.706 2.379 2.530 2.919 1.000 1.000 2.844 2.736

21 2.813 2.821 4.271 2.795 4.186 4.199 2.873 2.269 3.087 4.027 2.769 1.000 1.000 1.000 4.065 3.531 4.347 2.924 2.958 2.132 2.596 3.527 2.518 2.428 1.913 2.748 2.048 1.000 1.000 3.752 1.000 1.000 1.000 2.379 3.755 2.147 2.628 2.012 1.000 1.000

22 1.000 2.821 2.768 2.795 2.871 3.027 2.873 3.303 2.183 1.000 1.000 1.854 1.000 1.000 1.934 2.433 4.347 1.000 2.038 1.000 1.950 1.706 1.859 1.825 1.913 1.983 2.048 2.107 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

23 1.000 1.777 1.728 2.795 2.871 3.027 1.935 2.269 1.000 2.919 2.769 1.854 1.000 1.000 1.934 2.433 2.147 2.054 2.038 1.000 1.000 1.706 1.859 1.825 1.000 1.000 2.048 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.530 1.000 1.000 1.000 1.000 1.000

24 1.975 2.821 2.768 4.205 2.871 3.027 1.935 2.269 2.183 2.919 2.769 2.575 1.000 1.000 4.065 2.433 4.347 2.924 2.958 1.000 1.000 1.706 2.518 1.000 3.809 1.000 2.048 1.000 1.000 2.727 1.000 2.635 2.706 1.000 1.000 1.000 1.000 1.000 1.000 2.736

25 2.813 2.821 4.271 2.795 2.871 3.027 2.873 3.303 3.087 2.919 1.930 2.575 2.737 3.449 4.065 2.433 4.347 2.924 2.958 2.132 2.596 2.366 2.518 2.428 3.809 2.748 3.759 3.600 3.588 3.752 3.544 3.542 3.805 1.000 3.755 1.000 2.628 3.411 3.634 3.611

26 1.000 2.821 4.271 2.795 2.871 3.027 2.873 2.269 3.087 4.027 3.891 2.575 2.083 1.000 2.838 2.433 4.347 2.054 2.038 1.000 1.950 2.366 1.859 2.428 1.913 1.983 2.048 2.107 1.000 1.960 2.089 1.000 3.805 3.429 2.530 1.000 1.000 1.000 2.143 1.000

27 3.903 4.158 4.271 4.205 4.186 4.199 1.935 4.232 3.087 2.919 2.769 2.575 2.083 3.449 1.934 3.531 4.347 2.054 2.958 2.816 1.950 2.366 2.518 2.428 2.697 2.748 1.000 1.000 1.000 1.000 2.089 1.993 2.706 2.379 2.530 2.147 1.000 1.000 1.000 1.000

28 2.813 4.158 2.768 4.205 2.871 3.027 1.935 2.269 1.000 1.000 1.930 1.000 1.000 1.000 2.838 3.531 2.147 1.000 2.038 2.132 1.950 1.706 1.859 1.825 1.000 1.000 2.048 1.000 1.000 1.000 1.000 1.000 1.000 1.796 1.765 2.147 1.000 1.000 1.000 1.000

NoPengetahuan Keuangan (X1) Peri laku Keuangan (X2) Sikap Keuangan (X3) Pelatihan Keuangan (X4) Praktik Manajemen Keuangan (Y)

156


29 3.903 4.158 4.271 4.205 1.837 3.027 4.062 4.232 4.062 4.027 3.891 2.575 3.557 3.449 4.065 4.656 4.347 2.054 4.094 2.816 3.572 3.527 3.580 3.470 3.809 1.000 3.759 1.000 3.588 3.752 3.544 3.542 3.805 3.429 3.755 3.863 2.072 1.000 1.000 1.000

30 3.903 4.158 4.271 4.205 1.000 1.000 4.062 1.000 2.183 4.027 3.891 2.575 3.557 2.258 2.838 4.656 4.347 2.054 4.094 3.603 3.572 3.527 2.518 2.428 3.809 2.748 2.048 1.000 2.728 3.752 1.000 1.000 1.000 2.379 2.530 2.919 3.458 2.558 3.634 2.736

31 3.903 4.158 4.271 4.205 4.186 4.199 4.062 1.000 1.000 1.000 1.000 1.000 1.000 1.000 4.065 2.433 2.147 1.000 2.038 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.795 1.000 2.098 3.752 1.000 2.635 1.917 3.429 3.755 1.000 2.072 3.411 2.143 2.048

32 1.000 2.821 2.768 2.795 1.000 3.027 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.838 2.433 3.110 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

33 2.813 4.158 4.271 2.795 4.186 2.037 1.000 1.000 2.183 2.027 1.930 3.662 2.737 1.000 2.838 3.531 3.110 3.955 2.958 1.000 1.000 1.000 1.000 1.000 2.697 2.748 3.759 2.760 2.728 2.727 2.714 1.993 2.706 2.379 3.755 1.000 1.000 2.012 1.000 2.048

34 3.903 4.158 4.271 4.205 4.186 4.199 4.062 4.232 4.062 4.027 3.891 3.662 3.557 3.449 4.065 4.656 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 3.749 3.759 3.600 3.588 3.752 3.544 3.542 3.805 3.429 3.755 3.863 3.458 3.411 3.634 3.611

35 1.000 1.000 4.271 4.205 2.871 2.037 1.935 1.000 2.183 2.919 3.891 1.854 1.000 1.000 2.838 4.656 4.347 1.000 2.958 1.000 1.000 1.000 1.000 1.000 1.913 1.983 1.000 1.000 1.000 2.727 1.000 2.635 2.706 1.000 2.530 1.000 1.000 1.000 1.000 1.000

36 2.813 2.821 2.768 2.795 2.871 4.199 2.873 2.269 2.183 2.027 1.930 1.854 2.737 1.000 2.838 3.531 3.110 2.054 2.958 2.816 2.596 3.527 2.518 2.428 2.697 1.983 1.000 1.000 1.000 1.960 1.000 1.993 2.706 2.379 2.530 1.000 2.072 2.012 1.000 2.048

37 1.000 4.158 4.271 4.205 4.186 4.199 4.062 1.000 4.062 4.027 3.891 3.662 3.557 1.000 4.065 4.656 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 1.000 1.000 1.000 1.000 3.752 1.000 1.000 3.805 1.000 3.755 1.000 3.458 1.000 3.634 3.611

38 3.903 4.158 4.271 4.205 4.186 4.199 4.062 4.232 4.062 4.027 3.891 3.662 3.557 3.449 4.065 4.656 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 3.749 3.759 3.600 3.588 3.752 3.544 3.542 3.805 3.429 3.755 3.863 3.458 3.411 3.634 3.611

39 1.000 1.777 2.768 2.795 2.871 2.037 2.873 2.269 3.087 2.919 2.769 2.575 2.083 1.000 2.838 2.433 3.110 2.054 2.958 1.000 1.000 1.000 1.000 1.000 2.697 2.748 2.795 2.107 2.098 1.960 2.089 1.993 1.917 1.796 1.765 1.000 2.072 2.012 2.143 2.736

40 1.975 2.821 4.271 4.205 4.186 3.027 2.873 2.269 2.183 4.027 1.930 3.662 1.000 1.000 2.838 3.531 4.347 3.955 2.958 1.000 1.000 3.527 1.000 1.000 1.913 2.748 3.759 2.107 1.000 2.727 1.000 3.542 2.706 2.379 3.755 1.000 1.000 2.012 2.143 1.000

41 1.000 1.777 4.271 2.795 2.871 3.027 1.935 1.000 3.087 2.027 1.930 2.575 1.000 1.000 2.838 3.531 3.110 2.924 2.958 2.132 1.950 2.366 2.518 3.470 2.697 2.748 3.759 2.107 2.098 2.727 2.089 3.542 1.917 1.000 3.755 1.000 2.628 2.558 3.634 2.736

42 2.813 2.821 4.271 4.205 4.186 2.037 2.873 2.269 3.087 2.919 1.000 3.662 2.083 1.000 4.065 2.433 3.110 2.924 2.038 2.132 1.950 2.366 2.518 2.428 3.809 3.749 2.048 1.000 1.000 2.727 2.089 1.993 1.917 2.379 3.755 2.147 2.628 2.012 2.143 3.611

43 1.975 2.821 2.768 2.795 2.871 3.027 2.873 2.269 2.183 2.027 3.891 3.662 1.000 1.000 2.838 3.531 4.347 2.054 4.094 2.132 3.572 3.527 3.580 3.470 3.809 3.749 3.759 3.600 2.098 3.752 2.089 1.993 1.917 1.796 2.530 2.147 2.072 2.558 2.143 2.736

44 1.975 2.821 4.271 2.795 2.871 1.000 1.935 1.000 1.000 2.027 1.930 1.000 1.000 1.000 2.838 2.433 2.147 1.000 2.038 2.132 1.950 2.366 1.859 2.428 1.000 1.000 2.048 2.107 1.000 1.960 1.000 1.000 1.000 1.000 2.530 2.919 1.000 1.000 1.000 1.000

45 1.000 1.000 4.271 4.205 4.186 3.027 1.000 1.000 2.183 2.027 2.769 1.000 1.000 1.000 4.065 4.656 4.347 2.054 4.094 1.000 1.000 3.527 3.580 3.470 1.913 1.000 2.048 1.000 1.000 1.000 1.000 1.000 1.000 3.429 1.765 2.147 1.000 1.000 1.000 1.000

46 1.000 2.821 4.271 2.795 2.871 3.027 2.873 3.303 4.062 4.027 3.891 1.000 2.083 1.000 4.065 4.656 3.110 2.054 2.958 1.000 1.000 2.366 2.518 2.428 2.697 1.000 3.759 2.107 2.098 1.960 2.714 2.635 2.706 2.379 2.530 2.919 2.072 2.012 1.000 1.000

47 2.813 2.821 2.768 2.795 2.871 2.037 2.873 2.269 2.183 2.027 1.930 2.575 1.000 1.000 2.838 3.531 3.110 2.054 2.038 1.000 1.000 1.000 1.000 1.000 1.913 1.983 2.795 1.000 2.098 2.727 1.000 1.993 1.917 1.000 1.765 2.147 1.000 1.000 1.000 1.000

48 3.903 1.777 4.271 4.205 4.186 2.037 2.873 2.269 1.000 2.027 3.891 3.662 2.083 1.000 4.065 2.433 3.110 2.054 2.958 2.132 1.950 2.366 1.859 2.428 2.697 1.983 2.048 2.760 1.000 1.960 1.000 1.993 1.917 2.379 3.755 2.147 2.072 2.012 2.143 2.048

49 2.813 2.821 2.768 2.795 2.871 2.037 4.062 2.269 3.087 4.027 1.930 2.575 1.000 1.000 4.065 2.433 4.347 2.924 2.958 1.000 1.000 1.000 1.000 1.000 3.809 2.748 3.759 2.760 2.728 1.000 1.000 2.635 2.706 3.429 3.755 2.919 2.072 3.411 2.844 3.611

50 1.000 1.000 4.271 2.795 4.186 2.037 2.873 2.269 3.087 2.919 2.769 3.662 2.083 1.000 1.934 2.433 4.347 2.924 2.958 2.132 1.950 2.366 2.518 2.428 2.697 1.000 2.795 1.000 1.000 1.000 1.000 1.000 2.706 1.000 3.755 1.000 1.000 1.000 1.000 1.000

51 1.975 4.158 4.271 2.795 4.186 3.027 2.873 2.269 3.087 2.027 2.769 3.662 2.083 1.000 4.065 3.531 4.347 2.924 2.038 3.603 3.572 3.527 3.580 3.470 3.809 2.748 3.759 2.760 1.000 1.960 2.089 2.635 2.706 2.379 2.530 2.147 1.000 1.000 1.000 2.048

52 1.975 1.000 1.000 2.795 2.871 1.000 2.873 1.000 1.000 2.027 2.769 1.854 2.083 1.000 4.065 3.531 4.347 2.054 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.048 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

53 2.813 2.821 2.768 2.795 2.871 3.027 2.873 2.269 2.183 2.027 2.769 2.575 2.737 2.258 1.934 2.433 3.110 2.924 2.038 2.132 1.950 2.366 1.859 1.825 2.697 1.983 2.795 2.107 2.098 2.727 2.714 1.993 2.706 2.379 1.765 2.919 2.072 2.558 2.143 2.048

54 1.975 2.821 4.271 2.795 4.186 3.027 4.062 2.269 4.062 4.027 3.891 3.662 1.000 2.258 4.065 4.656 4.347 2.054 4.094 2.132 2.596 2.366 3.580 3.470 2.697 3.749 2.048 1.000 1.000 2.727 2.089 2.635 1.917 2.379 3.755 2.147 1.000 1.000 3.634 3.611

55 2.813 2.821 4.271 4.205 2.871 2.037 1.935 2.269 2.183 2.919 2.769 2.575 1.000 1.000 4.065 3.531 3.110 2.054 2.958 2.132 1.950 2.366 2.518 2.428 2.697 2.748 3.759 2.107 2.098 3.752 2.089 1.000 1.000 2.379 2.530 2.147 1.000 1.000 2.844 1.000

56 2.813 4.158 4.271 4.205 2.871 3.027 4.062 3.303 4.062 4.027 3.891 2.575 2.737 2.728 2.838 2.433 4.347 3.955 4.094 2.132 2.596 3.527 2.518 2.428 3.809 2.748 2.795 2.107 1.000 2.727 2.089 1.993 1.917 2.379 3.755 2.919 1.000 2.558 2.844 2.736

57 2.813 2.821 4.271 2.795 2.871 2.037 1.935 2.269 4.062 2.919 3.891 3.662 3.557 2.258 4.065 4.656 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 3.749 3.759 3.600 2.728 2.727 3.544 3.542 3.805 3.429 2.530 2.919 2.628 3.411 3.634 2.736

58 2.813 4.158 4.271 4.205 2.871 4.199 4.062 2.269 4.062 4.027 3.891 3.662 3.557 1.000 4.065 4.656 4.347 3.955 2.038 1.000 1.000 1.000 1.000 1.000 3.809 3.749 3.759 3.600 1.000 3.752 1.000 1.000 1.000 3.429 3.755 1.000 1.000 3.411 2.844 3.611

59 1.000 1.000 4.271 2.795 2.871 2.037 1.000 1.000 4.062 4.027 3.891 1.000 1.000 1.000 4.065 4.656 4.347 2.924 4.094 1.000 1.000 1.000 1.000 1.000 3.809 3.749 2.048 1.000 1.000 3.752 1.000 1.000 1.000 2.379 2.530 2.919 3.458 2.558 3.634 3.611

60 1.000 2.821 4.271 2.795 2.871 1.000 2.873 1.000 3.087 2.919 2.769 3.662 2.083 1.000 2.838 2.433 4.347 2.054 2.038 1.000 1.000 1.000 1.859 1.825 2.697 2.748 2.048 1.000 1.000 1.000 1.000 2.635 2.706 1.000 1.765 1.000 1.000 1.000 2.143 2.736

Pelatihan Keuangan (X4) Praktik Manajemen Keuangan (Y)No

Pengetahuan Keuangan (X1) Peri laku Keuangan (X2) Sikap Keuangan (X3)

157


61 3.903 2.821 4.271 4.205 1.837 1.000 2.873 1.000 2.183 2.027 1.000 1.000 3.557 1.000 4.065 4.656 4.347 2.054 4.094 1.000 1.950 1.706 1.859 3.470 3.809 3.749 3.759 2.107 3.588 3.752 2.714 1.993 1.917 1.000 3.755 1.000 1.000 3.411 1.000 3.611

62 1.975 2.821 4.271 2.795 2.871 2.037 1.935 2.269 2.183 2.919 2.769 1.854 1.000 1.000 1.934 2.433 3.110 2.054 2.958 2.132 1.950 2.366 1.859 1.825 1.000 1.000 1.000 1.000 1.000 1.960 1.000 1.993 1.917 1.000 2.530 1.000 1.000 1.000 1.000 1.000

63 1.000 2.821 4.271 2.795 4.186 3.027 2.873 1.000 3.087 4.027 3.891 3.662 1.000 1.000 2.838 4.656 4.347 2.924 2.958 2.816 2.596 3.527 3.580 3.470 2.697 1.983 1.000 1.000 2.728 2.727 1.000 3.542 3.805 3.429 3.755 2.919 2.072 3.411 2.143 3.611

64 1.975 2.821 2.768 2.795 2.871 3.027 2.873 3.303 4.062 4.027 2.769 1.854 1.000 1.000 2.838 3.531 2.147 2.924 2.958 2.132 2.596 2.366 2.518 2.428 2.697 2.748 2.795 2.760 2.728 2.727 2.714 2.635 2.706 2.379 2.530 2.919 2.628 2.558 2.143 2.048

65 1.975 2.821 4.271 2.795 1.837 2.037 2.873 2.269 3.087 2.919 2.769 2.575 2.737 2.728 2.838 3.531 3.110 2.054 2.958 2.816 2.596 3.527 2.518 2.428 3.809 1.000 3.759 2.760 2.728 2.727 2.714 3.542 3.805 3.429 3.755 1.000 2.628 2.558 2.143 2.048

66 1.975 2.821 2.768 2.795 1.837 2.037 2.873 2.269 3.087 2.919 2.769 1.854 2.737 2.728 2.838 3.531 3.110 2.924 2.958 2.816 2.596 2.366 2.518 2.428 2.697 2.748 2.795 2.760 2.098 2.727 2.714 2.635 2.706 2.379 2.530 2.919 2.072 2.558 2.844 2.736

67 1.975 2.821 4.271 2.795 4.186 3.027 4.062 3.303 3.087 2.027 2.769 1.854 2.083 2.258 4.065 3.531 4.347 2.924 2.038 2.132 3.572 3.527 2.518 3.470 3.809 3.749 2.048 1.000 2.098 2.727 2.714 3.542 3.805 3.429 2.530 2.919 2.072 1.000 2.143 2.048

68 1.000 1.777 2.768 1.668 2.871 2.037 1.935 2.269 2.183 2.027 3.891 3.662 1.000 1.000 1.934 2.433 2.147 1.000 2.038 1.000 1.950 1.706 1.859 1.825 1.913 1.983 2.048 1.000 1.000 1.960 1.000 2.635 2.706 1.796 1.765 2.919 1.000 2.012 1.000 1.000

69 1.975 4.158 4.271 4.205 4.186 3.027 2.873 4.232 1.000 2.027 1.930 1.854 1.000 1.000 1.934 3.531 3.110 2.924 1.000 2.816 3.572 3.527 3.580 3.470 2.697 2.748 2.795 2.760 2.098 1.960 2.089 1.993 1.917 2.379 2.530 2.147 2.072 1.000 2.143 2.048

70 2.813 4.158 4.271 2.795 1.837 3.027 2.873 2.269 2.183 1.000 1.930 1.000 1.000 1.000 1.934 1.000 3.110 2.924 2.038 2.132 2.596 2.366 2.518 1.825 2.697 1.983 1.000 2.107 2.728 1.960 1.000 1.000 1.000 1.000 2.530 1.000 1.000 2.558 2.143 2.736

71 2.813 4.158 4.271 4.205 4.186 3.027 2.873 2.269 3.087 2.919 3.891 3.662 3.557 1.000 2.838 4.656 4.347 3.955 4.094 1.000 1.000 3.527 1.000 1.000 3.809 3.749 3.759 2.760 1.000 3.752 3.544 2.635 2.706 1.000 3.755 1.000 2.628 3.411 2.143 3.611

72 2.813 4.158 4.271 1.668 1.837 3.027 2.873 3.303 4.062 4.027 2.769 2.575 1.000 1.000 4.065 3.531 4.347 2.054 4.094 2.816 2.596 2.366 2.518 2.428 2.697 2.748 3.759 2.107 1.000 3.752 2.089 3.542 1.917 3.429 3.755 1.000 1.000 1.000 1.000 2.048

73 1.000 1.777 4.271 2.795 4.186 2.037 1.935 2.269 2.183 2.919 2.769 3.662 1.000 1.000 2.838 2.433 3.110 2.054 2.038 2.816 2.596 3.527 2.518 1.825 2.697 1.000 2.795 1.000 1.000 1.960 1.000 1.000 2.706 1.000 2.530 1.000 1.000 2.012 1.000 2.048

74 1.975 1.777 2.768 2.795 1.837 1.000 1.935 2.269 4.062 4.027 3.891 1.854 1.000 1.000 2.838 3.531 2.147 2.924 2.038 2.816 1.950 1.706 2.518 1.825 2.697 2.748 2.048 2.760 2.098 2.727 2.714 2.635 2.706 1.796 2.530 2.919 2.072 2.558 2.844 2.736

75 1.975 2.821 4.271 2.795 4.186 2.037 4.062 2.269 3.087 2.919 3.891 2.575 1.000 1.000 4.065 3.531 3.110 2.054 4.094 3.603 3.572 3.527 3.580 3.470 2.697 1.983 2.048 2.107 2.728 2.727 2.089 3.542 3.805 3.429 3.755 1.000 2.628 2.012 2.143 2.736

76 3.903 4.158 4.271 4.205 4.186 4.199 4.062 3.303 3.087 4.027 3.891 3.662 2.737 1.000 4.065 3.531 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 1.000 3.759 1.000 1.000 3.752 1.000 2.635 2.706 3.429 3.755 3.863 2.628 3.411 2.143 3.611

77 1.000 4.158 4.271 4.205 2.871 2.037 1.000 1.000 3.087 4.027 3.891 3.662 1.000 1.000 4.065 4.656 4.347 2.054 4.094 1.000 1.950 2.366 1.859 1.825 2.697 1.000 3.759 2.760 2.098 2.727 1.000 1.993 1.000 2.379 3.755 1.000 1.000 2.012 1.000 2.048

78 2.813 4.158 4.271 4.205 4.186 2.037 4.062 2.269 3.087 2.919 3.891 3.662 2.083 2.258 2.838 3.531 4.347 2.924 4.094 1.000 1.000 2.366 1.000 1.000 3.809 3.749 2.048 1.000 2.728 2.727 1.000 1.993 2.706 2.379 3.755 1.000 2.628 3.411 2.143 3.611

79 1.975 2.821 2.768 1.000 1.837 2.037 1.935 2.269 2.183 2.027 1.930 1.000 2.083 1.000 1.000 2.433 2.147 2.054 2.038 1.000 1.000 2.366 1.000 1.000 3.809 3.749 2.048 2.107 2.098 1.960 1.000 2.635 2.706 2.379 3.755 2.147 2.072 1.000 2.844 2.736

80 2.813 2.821 4.271 2.795 1.837 3.027 2.873 3.303 2.183 2.919 1.930 2.575 2.083 2.258 2.838 3.531 3.110 2.924 2.958 2.132 2.596 2.366 2.518 2.428 1.913 1.983 2.048 2.107 1.000 1.960 2.089 2.635 1.917 1.000 2.530 2.919 2.072 2.012 1.000 2.048

81 2.813 4.158 4.271 2.795 2.871 2.037 1.935 1.000 3.087 2.919 3.891 2.575 2.083 1.000 2.838 4.656 3.110 2.054 4.094 2.132 1.950 2.366 1.000 1.000 2.697 3.749 3.759 2.107 1.000 2.727 2.089 1.993 2.706 1.796 3.755 1.000 1.000 1.000 2.143 2.736

82 1.975 1.777 4.271 2.795 2.871 3.027 1.000 1.000 4.062 2.919 2.769 3.662 2.083 1.000 1.934 2.433 4.347 2.924 4.094 1.000 1.000 2.366 2.518 2.428 3.809 3.749 3.759 1.000 2.098 3.752 2.089 3.542 2.706 3.429 3.755 2.147 1.000 2.558 1.000 2.048

83 1.000 2.821 2.768 2.795 2.871 1.000 2.873 1.000 1.000 2.027 1.000 2.575 3.557 1.000 4.065 4.656 4.347 3.955 2.038 2.132 1.950 1.706 2.518 2.428 2.697 1.983 2.048 1.000 1.000 1.000 3.544 1.000 2.706 1.000 3.755 1.000 1.000 1.000 1.000 2.048

84 2.813 2.821 4.271 4.205 4.186 4.199 2.873 3.303 4.062 4.027 3.891 3.662 3.557 1.000 4.065 3.531 3.110 2.924 2.958 2.132 2.596 2.366 3.580 3.470 1.913 3.749 2.795 3.600 2.728 2.727 2.714 1.993 2.706 1.796 2.530 1.000 2.628 1.000 1.000 2.048

85 2.813 2.821 4.271 2.795 4.186 4.199 1.935 2.269 3.087 4.027 3.891 3.662 1.000 1.000 1.934 4.656 4.347 3.955 4.094 2.132 1.950 2.366 2.518 2.428 1.000 1.983 1.000 1.000 1.000 2.727 2.089 1.000 2.706 3.429 3.755 1.000 3.458 3.411 1.000 1.000

86 2.813 2.821 2.768 2.795 2.871 3.027 2.873 2.269 3.087 2.919 2.769 2.575 2.737 2.728 2.838 4.656 3.110 2.924 2.958 2.816 2.596 2.366 2.518 2.428 2.697 1.983 2.048 2.107 2.098 2.727 2.089 2.635 2.706 2.379 2.530 2.919 2.628 2.558 2.844 2.736

87 1.000 2.821 1.728 2.795 2.871 3.027 1.935 2.269 2.183 1.000 1.000 1.854 1.000 1.000 1.000 2.433 3.110 1.000 2.958 1.000 1.000 1.000 1.000 1.000 1.913 1.000 1.000 2.107 1.000 1.960 1.000 1.000 1.917 1.000 1.000 1.000 1.000 1.000 1.000 2.736

88 1.975 2.821 4.271 4.205 2.871 3.027 2.873 2.269 2.183 2.919 2.769 2.575 1.000 2.258 2.838 3.531 4.347 3.955 4.094 2.132 2.596 3.527 1.859 3.470 3.809 3.749 2.795 3.600 2.728 2.727 3.544 3.542 3.805 1.000 3.755 3.863 3.458 3.411 3.634 3.611

89 1.975 2.821 2.768 4.205 4.186 2.037 1.935 2.269 2.183 2.027 2.769 3.662 2.737 2.258 2.838 3.531 3.110 3.955 2.958 2.132 2.596 3.527 3.580 3.470 2.697 1.983 1.000 1.000 2.098 2.727 2.714 2.635 2.706 1.796 1.765 2.147 2.628 2.558 2.143 2.048

90 2.813 4.158 4.271 4.205 1.837 1.000 1.000 1.000 3.087 4.027 1.930 1.854 2.737 1.000 4.065 3.531 4.347 3.955 4.094 1.000 1.000 1.706 1.000 1.000 2.697 1.000 1.000 1.000 3.588 1.960 1.000 1.000 1.000 2.379 3.755 1.000 1.000 1.000 1.000 1.000



158


91 3.903 4.158 4.271 4.205 4.186 4.199 4.062 1.000 4.062 4.027 2.769 3.662 3.557 1.000 4.065 4.656 4.347 2.924 4.094 1.000 1.000 3.527 1.000 1.000 3.809 2.748 3.759 2.107 1.000 3.752 3.544 1.993 2.706 2.379 1.000 1.000 3.458 1.000 1.000 3.611

92 1.975 1.777 4.271 2.795 4.186 3.027 2.873 2.269 2.183 2.027 1.930 2.575 2.083 2.258 2.838 3.531 2.147 2.054 2.038 2.816 2.596 2.366 2.518 2.428 2.697 2.748 3.759 2.107 2.728 1.960 2.089 1.993 1.917 1.796 2.530 2.147 2.628 2.012 2.844 2.736

93 1.000 2.821 2.768 2.795 2.871 1.000 2.873 1.000 1.000 1.000 2.769 1.000 1.000 1.000 2.838 2.433 2.147 2.054 2.038 1.000 1.000 2.366 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.530 1.000 1.000 1.000 1.000 1.000

94 1.975 4.158 4.271 4.205 2.871 4.199 2.873 3.303 3.087 4.027 3.891 1.000 1.000 1.000 4.065 3.531 4.347 2.924 4.094 2.132 2.596 3.527 2.518 2.428 3.809 1.983 3.759 2.107 3.588 3.752 1.000 2.635 1.000 1.796 3.755 2.147 3.458 2.558 2.143 3.611

95 3.903 4.158 4.271 4.205 4.186 4.199 4.062 2.269 2.183 2.919 3.891 1.854 2.737 1.000 4.065 3.531 3.110 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 1.983 2.048 2.107 1.000 3.752 1.000 3.542 3.805 3.429 3.755 3.863 2.628 3.411 3.634 3.611

96 2.813 2.821 4.271 2.795 4.186 2.037 1.935 2.269 3.087 4.027 3.891 2.575 2.737 2.728 2.838 3.531 3.110 2.924 2.958 2.132 1.950 2.366 2.518 2.428 2.697 2.748 2.795 2.760 2.098 2.727 2.089 2.635 2.706 2.379 2.530 2.919 2.628 2.558 2.844 2.736

97 2.813 2.821 2.768 2.795 4.186 3.027 2.873 3.303 2.183 2.027 1.930 1.854 1.000 1.000 1.934 2.433 3.110 2.054 2.038 2.132 2.596 2.366 2.518 1.825 1.913 1.983 3.759 1.000 2.098 1.960 2.089 2.635 1.917 2.379 2.530 2.147 1.000 1.000 2.143 2.048

98 1.975 2.821 4.271 4.205 1.837 2.037 2.873 3.303 4.062 2.919 1.000 1.000 1.000 2.728 2.838 2.433 4.347 2.924 2.958 2.816 2.596 3.527 3.580 2.428 2.697 2.748 2.795 1.000 1.000 2.727 1.000 2.635 2.706 3.429 2.530 2.919 2.072 2.012 1.000 2.048

99 2.813 2.821 4.271 4.205 2.871 3.027 4.062 1.000 1.000 1.000 1.930 2.575 1.000 1.000 4.065 2.433 4.347 1.000 2.958 2.816 2.596 2.366 2.518 2.428 1.913 1.983 2.795 1.000 1.000 1.000 1.000 1.000 1.000 2.379 2.530 2.147 2.072 2.012 1.000 1.000

100 1.000 2.821 4.271 4.205 4.186 1.000 1.000 1.000 2.183 2.919 3.891 2.575 1.000 1.000 4.065 3.531 4.347 2.924 4.094 3.603 2.596 2.366 1.859 3.470 3.809 3.749 3.759 3.600 2.728 1.000 3.544 2.635 1.917 1.000 3.755 2.147 3.458 2.012 1.000 2.048

101 1.000 4.158 2.768 2.795 1.000 1.000 2.873 1.000 2.183 2.027 1.930 1.854 1.000 1.000 1.000 1.000 2.147 1.000 2.038 2.132 1.950 2.366 1.000 1.825 1.913 1.983 2.048 1.000 1.000 1.000 1.000 1.993 1.917 1.000 1.765 2.147 1.000 1.000 1.000 1.000

102 1.975 4.158 4.271 2.795 2.871 3.027 4.062 4.232 4.062 4.027 2.769 1.854 2.083 1.000 4.065 4.656 4.347 2.054 4.094 2.132 2.596 3.527 3.580 3.470 3.809 3.749 3.759 2.760 2.098 3.752 2.089 1.000 1.917 3.429 3.755 1.000 1.000 1.000 2.143 2.048

103 3.903 4.158 4.271 4.205 4.186 3.027 2.873 2.269 3.087 2.919 2.769 2.575 2.737 2.258 2.838 3.531 3.110 2.924 2.958 2.132 2.596 2.366 2.518 2.428 2.697 2.748 2.795 2.760 2.098 2.727 2.714 2.635 2.706 2.379 2.530 1.000 2.628 2.558 2.844 2.736

104 1.000 4.158 4.271 4.205 1.000 4.199 4.062 1.000 3.087 2.919 2.769 1.000 1.000 1.000 1.934 2.433 2.147 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.748 3.759 1.000 1.000 1.000 1.000 3.542 1.000 1.000 3.755 1.000 3.458 3.411 2.844 2.736

105 3.903 2.821 2.768 2.795 2.871 3.027 1.000 2.269 3.087 2.919 2.769 2.575 2.737 2.258 4.065 3.531 1.000 1.000 1.000 2.816 2.596 2.366 2.518 2.428 3.809 3.749 3.759 2.107 1.000 1.960 2.714 2.635 2.706 1.000 1.000 1.000 1.000 1.000 2.844 1.000

106 2.813 2.821 4.271 4.205 4.186 3.027 4.062 3.303 2.183 2.919 1.930 1.854 2.083 1.000 4.065 3.531 3.110 2.054 4.094 1.000 1.000 3.527 2.518 2.428 2.697 2.748 3.759 1.000 3.588 3.752 2.089 3.542 2.706 2.379 3.755 2.147 1.000 1.000 1.000 1.000

107 3.903 2.821 4.271 4.205 2.871 3.027 2.873 2.269 4.062 2.919 2.769 1.854 2.083 1.000 4.065 2.433 2.147 2.924 2.958 2.132 2.596 3.527 2.518 2.428 2.697 1.983 1.000 1.000 2.098 2.727 2.089 1.000 1.000 3.429 2.530 2.147 1.000 2.012 2.844 2.048

108 1.000 1.000 1.728 1.000 1.000 1.000 1.000 1.000 2.183 2.027 1.930 1.854 2.083 1.000 1.934 2.433 2.147 1.000 2.038 1.000 1.000 1.000 1.000 1.000 1.913 1.000 2.048 2.107 2.098 1.960 1.000 1.000 1.000 1.796 2.530 2.147 1.000 1.000 1.000 1.000

109 2.813 2.821 4.271 4.205 2.871 3.027 1.935 2.269 4.062 4.027 3.891 3.662 2.083 2.258 4.065 3.531 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 2.697 2.748 2.795 2.760 2.098 2.727 2.714 3.542 3.805 3.429 3.755 3.863 3.458 2.012 2.844 2.736

110 1.000 2.821 2.768 2.795 2.871 1.000 1.000 1.000 1.000 2.027 1.000 2.575 2.083 1.000 2.838 2.433 4.347 3.955 1.000 1.000 1.000 1.000 1.000 1.000 1.913 1.000 2.048 1.000 1.000 1.960 1.000 1.993 1.000 3.429 2.530 1.000 1.000 1.000 2.844 1.000

111 2.813 2.821 4.271 2.795 4.186 3.027 1.935 1.000 2.183 2.919 2.769 3.662 2.083 1.000 2.838 3.531 3.110 2.924 2.958 3.603 3.572 3.527 1.859 3.470 2.697 2.748 2.048 1.000 2.728 2.727 2.089 1.000 2.706 1.796 2.530 1.000 1.000 2.558 2.143 2.736

112 2.813 2.821 2.768 2.795 2.871 3.027 1.935 3.303 2.183 1.000 2.769 2.575 1.000 1.000 2.838 2.433 2.147 2.054 2.958 2.132 2.596 2.366 2.518 2.428 1.913 1.983 2.795 1.000 1.000 1.960 1.000 1.000 1.917 2.379 3.755 1.000 1.000 1.000 1.000 1.000

113 2.813 2.821 4.271 4.205 4.186 4.199 4.062 4.232 4.062 4.027 3.891 3.662 3.557 3.449 4.065 4.656 4.347 3.955 4.094 3.603 3.572 3.527 3.580 3.470 3.809 3.749 3.759 3.600 3.588 3.752 3.544 3.542 2.706 3.429 3.755 2.919 2.072 2.558 3.634 2.736

114 2.813 1.777 4.271 2.795 2.871 3.027 2.873 2.269 2.183 2.027 2.769 2.575 1.000 1.000 2.838 2.433 2.147 2.054 2.038 2.132 1.950 2.366 2.518 2.428 2.697 1.000 2.048 1.000 1.000 1.000 1.000 1.993 1.000 1.796 2.530 2.147 1.000 2.012 2.143 2.048

115 1.975 2.821 2.768 4.205 2.871 2.037 1.935 2.269 2.183 4.027 1.930 3.662 1.000 1.000 4.065 4.656 3.110 2.054 4.094 2.132 2.596 3.527 2.518 2.428 3.809 2.748 3.759 1.000 1.000 2.727 2.714 1.000 1.917 2.379 1.765 2.147 1.000 2.012 2.143 2.048

116 2.813 2.821 4.271 2.795 2.871 3.027 2.873 2.269 2.183 2.027 2.769 1.000 2.083 2.728 4.065 3.531 4.347 2.924 2.038 2.132 2.596 2.366 2.518 2.428 1.913 1.000 2.795 1.000 2.728 1.960 2.089 2.635 2.706 2.379 3.755 1.000 1.000 1.000 2.143 1.000

117 2.813 2.821 4.271 2.795 4.186 3.027 2.873 2.269 3.087 4.027 3.891 2.575 3.557 1.000 4.065 4.656 4.347 2.054 4.094 2.816 1.950 2.366 1.859 1.825 3.809 2.748 3.759 1.000 1.000 3.752 3.544 1.000 2.706 1.000 3.755 1.000 1.000 2.558 2.143 2.048

118 1.000 1.777 2.768 1.000 1.837 1.000 2.873 2.269 2.183 2.027 1.930 1.000 1.000 1.000 1.934 3.531 3.110 2.054 2.038 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2.048 1.000 2.728 1.000 1.000 1.000 1.000 1.000 2.530 1.000 1.000 1.000 1.000 1.000

119 1.975 2.821 2.768 1.668 4.186 2.037 4.062 3.303 2.183 4.027 2.769 3.662 2.083 1.000 2.838 4.656 3.110 2.924 2.038 2.132 2.596 3.527 2.518 3.470 3.809 1.983 2.048 2.760 2.728 3.752 2.089 1.993 2.706 3.429 3.755 2.147 2.628 2.558 2.143 2.736

120 1.975 4.158 4.271 4.205 4.186 3.027 4.062 2.269 4.062 4.027 3.891 3.662 3.557 1.000 2.838 3.531 4.347 2.924 4.094 3.603 3.572 3.527 3.580 3.470 3.809 3.749 2.048 2.107 1.000 2.727 3.544 1.000 3.805 3.429 3.755 1.000 3.458 1.000 2.143 3.611



159


121 1.000 2.821 4.271 1.000 2.871 1.000 1.000 1.000 3.087 2.919 2.769 2.575 1.000 1.000 2.838 3.531 3.110 2.924 2.958 1.000 1.000 2.366 1.000 1.000 3.809 1.983 1.000 1.000 1.000 2.727 1.000 1.000 1.000 1.000 3.755 1.000 1.000 1.000 1.000 1.000

122 1.975 2.821 2.768 1.668 4.186 2.037 1.935 2.269 2.183 2.919 1.000 2.575 2.083 1.000 1.934 2.433 3.110 1.000 2.958 1.000 1.000 2.366 1.000 1.000 1.913 1.983 1.000 1.000 1.000 1.960 1.000 1.000 1.000 1.796 1.765 2.147 1.000 1.000 1.000 2.048

123 1.000 1.777 4.271 2.795 2.871 2.037 1.935 2.269 2.183 2.919 3.891 3.662 2.083 1.000 4.065 2.433 3.110 3.955 2.038 1.000 1.000 1.000 1.000 1.000 2.697 1.983 2.795 1.000 1.000 1.960 2.089 1.993 1.917 1.000 3.755 1.000 1.000 2.558 2.143 2.048

124 2.813 2.821 4.271 2.795 2.871 1.000 1.000 1.000 2.183 2.919 2.769 1.854 2.737 1.000 1.934 3.531 4.347 3.955 2.958 1.000 1.000 2.366 1.859 2.428 3.809 1.983 2.795 2.760 2.728 1.960 1.000 1.000 1.917 2.379 3.755 1.000 1.000 1.000 2.143 2.048

125 2.813 2.821 2.768 1.668 2.871 1.000 1.000 1.000 4.062 4.027 3.891 1.000 2.083 1.000 4.065 4.656 4.347 3.955 4.094 1.000 1.000 3.527 1.000 1.000 1.000 1.000 2.048 1.000 1.000 1.000 2.714 1.000 1.917 3.429 3.755 1.000 1.000 1.000 1.000 1.000

126 1.975 2.821 2.768 1.668 2.871 3.027 1.935 2.269 2.183 2.027 1.930 2.575 2.083 2.258 2.838 3.531 3.110 2.054 2.958 2.132 1.950 2.366 2.518 2.428 2.697 2.748 2.048 2.107 2.098 2.727 2.089 1.993 1.917 2.379 1.765 2.147 2.072 2.012 2.143 2.048

127 2.813 1.777 2.768 4.205 2.871 3.027 2.873 2.269 2.183 4.027 2.769 1.000 2.083 1.000 1.000 3.531 4.347 2.054 2.958 2.132 2.596 3.527 3.580 2.428 1.913 1.983 2.795 1.000 2.098 1.960 2.714 1.993 3.805 2.379 3.755 1.000 2.628 1.000 1.000 1.000

128 2.813 2.821 4.271 4.205 4.186 3.027 4.062 3.303 2.183 2.027 1.930 3.662 2.737 1.000 1.934 3.531 2.147 2.054 1.000 2.816 3.572 2.366 3.580 3.470 2.697 2.748 2.795 2.107 1.000 1.960 2.089 1.993 1.000 1.796 3.755 2.147 1.000 2.558 2.844 2.048

129 1.975 1.777 2.768 2.795 2.871 2.037 2.873 2.269 2.183 2.919 1.930 2.575 1.000 2.728 2.838 2.433 3.110 2.924 2.038 1.000 1.000 3.527 1.859 2.428 1.913 1.000 2.048 1.000 2.098 1.960 2.089 1.993 2.706 2.379 3.755 2.147 1.000 1.000 1.000 2.048

130 1.975 2.821 2.768 2.795 4.186 3.027 2.873 3.303 3.087 2.919 1.930 2.575 2.737 3.449 2.838 3.531 4.347 2.054 2.958 1.000 1.950 2.366 1.859 1.825 3.809 2.748 2.795 1.000 2.098 2.727 2.714 2.635 2.706 2.379 2.530 2.147 1.000 1.000 2.143 2.048

131 1.000 2.821 1.728 1.668 2.871 3.027 1.000 1.000 1.000 2.027 1.000 2.575 1.000 1.000 1.000 2.433 1.000 1.000 2.038 1.000 1.000 1.706 1.000 1.000 1.913 1.983 3.759 2.760 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000



160

4. Lampiran Perhitungan SPSS

Frequencies

Statistics Usia Jenis_Kelamin Tingkat_Pendidikan Jabatan Jumlah_Karyawan

N Valid 131 131 131 131 131

Missing 0 0 0 0 0

Frequency Table

Usia

Frequency Percent Valid Percent Cumulative Percent

Valid < 20 5 3.8 3.8 3.8

20 ‒ 30 92 70.2 70.2 74.0

31 ‒ 40 14 10.7 10.7 84.7

41 ‒ 50 15 11.5 11.5 96.2

51 ‒ 64 5 3.8 3.8 100.0

Total 131 100.0 100.0

Jenis_Kelamin


Valid Laki-laki 64 48.9 48.9 48.9

Perempuan 67 51.1 51.1 100.0

Total 131 100.0 100.0

Tingkat_Pendidikan Frequency Percent Valid Percent Cumulative Percent

Valid SD/SMP/SMA/Sederajat 53 40.5 40.5 100.0

Diploma 10 7.6 7.6 7.6

S1/Sarjana 62 47.3 47.3 55.0

S2/Magister 6 4.6 4.6 59.5

Total 131 100.0 100.0

Jabatan


Valid Pemilik Usaha 118 90.1 90.1 99.2

Co-Founder 1 .8 .8 3.8

Vp finance 1 .8 .8 100.0

CFO 1 .8 .8 2.3

CMO 1 .8 .8 3.1

COO 1 .8 .8 4.6

Manager Pengembangan & Keuangan

1 .8 .8 5.3

Marketing 1 .8 .8 6.1

Akuntan 1 .8 .8 1.5

Admin 1 .8 .8 .8

Pegawai 4 3.1 3.1 9.2

Total 131 100.0 100.0

Jumlah_Karyawan Frequency Percent Valid Percent Cumulative Percent

Valid memiliki 0 - 10 karyawan 126 96.2 96.2 96.2

memiliki 11 - 30 karyawan 5 3.8 3.8 100.0

Total 131 100.0 100.0

161


Frequencies

Statistics

p1 p2 p3 p4 p5 p6 p7 p8

N Valid 131 131 131 131 131 131 131 131

Missing 0 0 0 0 0 0 0 0

Frequency Table

p1


Valid Tidak Tahu 31 23.7 23.7 23.7

Kurang Tahu 36 27.5 27.5 51.1

Tahu 46 35.1 35.1 86.3

Sangat Tahu 18 13.7 13.7 100.0

Total 131 100.0 100.0

p2



Kurang Tahu 15 11.5 11.5 17.6

Tahu 70 53.4 53.4 71.0

Sangat Tahu 38 29.0 29.0 100.0

Total 131 100.0 100.0

p3 Frequency Percent Valid Percent Cumulative Percent

Valid Tidak Tahu 1 .8 .8 .8

Kurang Tahu 4 3.1 3.1 3.8

Tahu 36 27.5 27.5 31.3

Sangat Tahu 90 68.7 68.7 100.0

Total 131 100.0 100.0

p4



Kurang Tahu 7 5.3 5.3 8.4

Tahu 66 50.4 50.4 58.8

Sangat Tahu 54 41.2 41.2 100.0

Total 131 100.0 100.0

p5



Kurang Tahu 15 11.5 11.5 15.3

Tahu 62 47.3 47.3 62.6

Sangat Tahu 49 37.4 37.4 100.0

Total 131 100.0 100.0



Kurang Tahu 41 31.3 31.3 45.0

Tahu 54 41.2 41.2 86.3

Sangat Tahu 18 13.7 13.7 100.0

Total 131 100.0 100.0

162



Kurang Tahu 31 23.7 23.7 35.9

Tahu 58 44.3 44.3 80.2

Sangat Tahu 26 19.8 19.8 100.0

Total 131 100.0 100.0

p8



Kurang Tahu 64 48.9 48.9 77.1

Tahu 23 17.6 17.6 94.7

Sangat Tahu 7 5.3 5.3 100.0

Total 131 100.0 100.0


Frequencies

Statistics p9 p10 p11 p12 p13 p14

N Valid 131 131 131 131 131 131

Missing 0 0 0 0 0 0

Frequency Table

p9


Valid Tidak Pernah 13 9.9 9.9 9.9

Kadang-kadang 51 38.9 38.9 48.9

Sering 36 27.5 27.5 76.3

Selalu 31 23.7 23.7 100.0

Total 131 100.0 100.0

p10



Kadang-kadang 34 26.0 26.0 33.6

Sering 47 35.9 35.9 69.5

Selalu 40 30.5 30.5 100.0

Total 131 100.0 100.0



Kadang-kadang 29 22.1 22.1 32.1

Sering 48 36.6 36.6 68.7

Selalu 41 31.3 31.3 100.0

Total 131 100.0 100.0

p12



Kadang-kadang 25 19.1 19.1 34.4

Sering 44 33.6 33.6 67.9

Selalu 42 32.1 32.1 100.0

Total 131 100.0 100.0

163

p13



Kadang-kadang 39 29.8 29.8 68.7

Sering 22 16.8 16.8 85.5

Selalu 19 14.5 14.5 100.0

Total 131 100.0 100.0



Kadang-kadang 17 13.0 13.0 84.7

Sering 12 9.2 9.2 93.9

Selalu 8 6.1 6.1 100.0

Total 131 100.0 100.0

Sikap Keuangan (X3)

Frequencies

Statistics

p15 p16 p17 p18 p19

N Valid 131 131 131 131 131

Missing 0 0 0 0 0

Frequency Table



Kadang-kadang 20 15.3 15.3 19.1

Sering 48 36.6 36.6 55.7

Selalu 58 44.3 44.3 100.0

Total 131 100.0 100.0

p16



Kadang-kadang 45 34.4 34.4 36.6

Sering 51 38.9 38.9 75.6

Selalu 32 24.4 24.4 100.0

Total 131 100.0 100.0

p17



Kadang-kadang 21 16.0 16.0 17.6

Sering 45 34.4 34.4 51.9

Selalu 63 48.1 48.1 100.0

Total 131 100.0 100.0

p18



Kadang-kadang 43 32.8 32.8 47.3

Sering 42 32.1 32.1 79.4

Selalu 27 20.6 20.6 100.0

Total 131 100.0 100.0

164

p19



Kadang-kadang 32 24.4 24.4 30.5

Sering 49 37.4 37.4 67.9

Selalu 42 32.1 32.1 100.0

Total 131 100.0 100.0


Frequencies

Statistics

p20 p21 p22 p23 p24

N Valid 131 131 131 131 131

Missing 0 0 0 0 0

Frequency Table



Jarang 42 32.1 32.1 73.3

Sering 19 14.5 14.5 87.8

Sangat Sering 16 12.2 12.2 100.0

Total 131 100.0 100.0

p21



Jarang 27 20.6 20.6 57.3

Sering 36 27.5 27.5 84.7

Sangat Sering 20 15.3 15.3 100.0

Total 131 100.0 100.0

p22



Jarang 12 9.2 9.2 28.2

Sering 51 38.9 38.9 67.2

Sangat Sering 43 32.8 32.8 100.0

Total 131 100.0 100.0

p23



Jarang 21 16.0 16.0 47.3

Sering 45 34.4 34.4 81.7

Sangat Sering 24 18.3 18.3 100.0

Total 131 100.0 100.0



Jarang 18 13.7 13.7 44.3

Sering 43 32.8 32.8 77.1

Sangat Sering 30 22.9 22.9 100.0

Total 131 100.0 100.0

165


Frequencies

Statistics

p25 p26 p27 p28 p29 p30 p31 p32 p33 p34 p35 p36 p37 p38 p39 p40

N Valid 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

Missing 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Frequency Table

p25



Kadang-kadang 27 20.6 20.6 29.8

Sering 43 32.8 32.8 62.6

Selalu 49 37.4 37.4 100.0

Total 131 100.0 100.0



Kadang-kadang 37 28.2 28.2 51.1

Sering 39 29.8 29.8 80.9

Selalu 25 19.1 19.1 100.0

Total 131 100.0 100.0

p27



Kadang-kadang 41 31.3 31.3 43.5

Sering 31 23.7 23.7 67.2

Selalu 43 32.8 32.8 100.0

Total 131 100.0 100.0

p28



Kadang-kadang 34 26.0 26.0 73.3

Sering 22 16.8 16.8 90.1

Selalu 13 9.9 9.9 100.0

Total 131 100.0 100.0

p29



Kadang-kadang 30 22.9 22.9 73.3

Sering 23 17.6 17.6 90.8

Selalu 12 9.2 9.2 100.0

Total 131 100.0 100.0



Kadang-kadang 35 26.7 26.7 45.0

Sering 41 31.3 31.3 76.3

Selalu 31 23.7 23.7 100.0

Total 131 100.0 100.0

166



Kadang-kadang 33 25.2 25.2 71.8

Sering 22 16.8 16.8 88.5

Selalu 15 11.5 11.5 100.0

Total 131 100.0 100.0

p32



Kadang-kadang 33 25.2 25.2 59.5

Sering 30 22.9 22.9 82.4

Selalu 23 17.6 17.6 100.0

Total 131 100.0 100.0

p33



Kadang-kadang 30 22.9 22.9 47.3

Sering 48 36.6 36.6 84.0

Selalu 21 16.0 16.0 100.0

Total 131 100.0 100.0

p34



Kadang-kadang 16 12.2 12.2 41.2

Sering 43 32.8 32.8 74.0

Selalu 34 26.0 26.0 100.0

Total 131 100.0 100.0



Kadang-kadang 15 11.5 11.5 18.3

Sering 44 33.6 33.6 51.9

Selalu 63 48.1 48.1 100.0

Total 131 100.0 100.0

p36



Kadang-kadang 37 28.2 28.2 76.3

Sering 24 18.3 18.3 94.7

Selalu 7 5.3 5.3 100.0

Total 131 100.0 100.0

p37



Kadang-kadang 26 19.8 19.8 71.8

Sering 22 16.8 16.8 88.5

Selalu 15 11.5 11.5 100.0

Total 131 100.0 100.0

167



Kadang-kadang 26 19.8 19.8 65.6

Sering 25 19.1 19.1 84.7

Selalu 20 15.3 15.3 100.0

Total 131 100.0 100.0



Kadang-kadang 43 32.8 32.8 74.0

Sering 19 14.5 14.5 88.5

Selalu 15 11.5 11.5 100.0

Total 131 100.0 100.0



Kadang-kadang 40 30.5 30.5 62.6

Sering 27 20.6 20.6 83.2

Selalu 22 16.8 16.8 100.0

Total 131 100.0 100.0

168

Validitas dan Reliabilitas


Correlations

p1 p2 p3 p4 p5 p6 p7 p8 Total

p1 Pearson Correlation 1 .448** .295** .389** .150 .337** .298** .286** .662**

Sig. (2-tailed) .000 .001 .000 .088 .000 .001 .001 .000

N 131 131 131 131 131 131 131 131 131

p2 Pearson Correlation .448** 1 .288** .352** .047 .297** .323** .183* .604**

Sig. (2-tailed) .000 .001 .000 .595 .001 .000 .036 .000

N 131 131 131 131 131 131 131 131 131

p3 Pearson Correlation .295** .288** 1 .438** .268** .239** .222* .070 .558**

Sig. (2-tailed) .001 .001 .000 .002 .006 .011 .430 .000

N 131 131 131 131 131 131 131 131 131

p4 Pearson Correlation .389** .352** .438** 1 .257** .288** .299** .070 .626**

Sig. (2-tailed) .000 .000 .000 .003 .001 .001 .430 .000

N 131 131 131 131 131 131 131 131 131

p5 Pearson Correlation .150 .047 .268** .257** 1 .333** .227** .190* .505**

Sig. (2-tailed) .088 .595 .002 .003 .000 .009 .030 .000

N 131 131 131 131 131 131 131 131 131

p6 Pearson Correlation .337** .297** .239** .288** .333** 1 .405** .445** .694**

Sig. (2-tailed) .000 .001 .006 .001 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131

p7 Pearson Correlation .298** .323** .222* .299** .227** .405** 1 .419** .663**

Sig. (2-tailed) .001 .000 .011 .001 .009 .000 .000 .000

N 131 131 131 131 131 131 131 131 131

p8 Pearson Correlation .286** .183* .070 .070 .190* .445** .419** 1 .557**

Sig. (2-tailed) .001 .036 .430 .430 .030 .000 .000 .000

N 131 131 131 131 131 131 131 131 131

Tota

l

Pearson Correlation .662** .604** .558** .626** .505** .694** .663** .557** 1

Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131

**. Correlation is significant at the 0.01 level (2-tailed).

*. Correlation is significant at the 0.05 level (2-tailed).

Reliability

Scale: ALL VARIABLES

Case Processing Summary

N %

Cases Valid 131 100.0

Excludeda 0 .0

Total 131 100.0

a. Listwise deletion based on all variables in the procedure.

Reliability Statistics

Cronbach's Alpha

Cronbach's Alpha

Based on Standardized Items N of Items

.758 .757 8

169



Correlations

p9 p10 p11 p12 p13 p14 Total

p9 Pearson Correlation 1 .654** .473** .267** .353** .276** .765**

Sig. (2-tailed) .000 .000 .002 .000 .001 .000

N 131 131 131 131 131 131 131

p10 Pearson Correlation .654** 1 .532** .329** .321** .172* .765**

Sig. (2-tailed) .000 .000 .000 .000 .049 .000

N 131 131 131 131 131 131 131

p11 Pearson Correlation .473** .532** 1 .345** .240** .091 .684**

Sig. (2-tailed) .000 .000 .000 .006 .301 .000

N 131 131 131 131 131 131 131

p12 Pearson Correlation .267** .329** .345** 1 .354** .119 .613**

Sig. (2-tailed) .002 .000 .000 .000 .176 .000

N 131 131 131 131 131 131 131

p13 Pearson Correlation .353** .321** .240** .354** 1 .387** .663**

Sig. (2-tailed) .000 .000 .006 .000 .000 .000

N 131 131 131 131 131 131 131

p14 Pearson Correlation .276** .172* .091 .119 .387** 1 .486**

Sig. (2-tailed) .001 .049 .301 .176 .000 .000

N 131 131 131 131 131 131 131

Total Pearson Correlation .765** .765** .684** .613** .663** .486** 1

Sig. (2-tailed) .000 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131


*. Correlation is significant at the 0.05 level (2-tailed).

Reliability



N %


Excludeda 0 .0

Total 131 100.0



Cronbach's Alpha N of Items

.749 6

170


Sikap Keuangan (X3)

Correlations

p15 p16 p17 p18 p19 Total

p15 Pearson Correlation 1 .426** .326** .267** .355** .662**

Sig. (2-tailed) .000 .000 .002 .000 .000

N 131 131 131 131 131 131

p16 Pearson Correlation .426** 1 .379** .313** .495** .733**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p17 Pearson Correlation .326** .379** 1 .437** .512** .739**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p18 Pearson Correlation .267** .313** .437** 1 .366** .672**

Sig. (2-tailed) .002 .000 .000 .000 .000

N 131 131 131 131 131 131

p19 Pearson Correlation .355** .495** .512** .366** 1 .765**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

Total Pearson Correlation .662** .733** .739** .672** .765** 1

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131


Reliability



N %


Excludeda 0 .0

Total 131 100.0




.760 5

171



Correlations

p20 p21 p22 p23 p24 Total

p20 Pearson Correlation 1 .894** .617** .741** .745** .892**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p21 Pearson Correlation .894** 1 .664** .819** .829** .939**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p22 Pearson Correlation .617** .664** 1 .656** .681** .808**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p23 Pearson Correlation .741** .819** .656** 1 .880** .915**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

p24 Pearson Correlation .745** .829** .681** .880** 1 .924**

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131

Total Pearson Correlation .892** .939** .808** .915** .924** 1

Sig. (2-tailed) .000 .000 .000 .000 .000

N 131 131 131 131 131 131


Reliability



N %


Excludeda 0 .0

Total 131 100.0




.938 5

172



Correlations

p25 p26 p27 p28 p29 p30 p31 p32 p33 p34 p35 p36 p37 p38 p39 p40 Total

p25 Pearson Correlation 1 .555** .391** .353** .294** .526** .349** .285** .394** .253** .329** .217* .286** .353** .454** .590** .675**

Sig. (2-tailed) .000 .000 .000 .001 .000 .000 .001 .000 .004 .000 .013 .001 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p26 Pearson Correlation .555** 1 .390** .467** .193* .419** .453** .347** .332** .230** .216* .176* .354** .347** .452** .516** .657**

Sig. (2-tailed) .000 .000 .000 .027 .000 .000 .000 .000 .008 .013 .044 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p27 Pearson Correlation .391** .390** 1 .471** .279** .367** .372** .379** .212* .193* .268** .074 .145 .286** .232** .199* .535**

Sig. (2-tailed) .000 .000 .000 .001 .000 .000 .000 .015 .027 .002 .402 .099 .001 .008 .023 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p28 Pearson Correlation .353** .467** .471** 1 .391** .335** .498** .356** .325** .204* .142 .187* .380** .378** .369** .420** .636**

Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .020 .105 .033 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p29 Pearson Correlation .294** .193* .279** .391** 1 .314** .361** .379** .287** .211* .231** .237** .284** .276** .255** .263** .531**

Sig. (2-tailed) .001 .027 .001 .000 .000 .000 .000 .001 .016 .008 .006 .001 .001 .003 .002 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p30 Pearson Correlation .526** .419** .367** .335** .314** 1 .361** .374** .400** .387** .343** .203* .417** .516** .435** .514** .704**

Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .020 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p31 Pearson Correlation .349** .453** .372** .498** .361** .361** 1 .408** .531** .193* .175* .175* .382** .257** .294** .334** .623**

Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .027 .046 .046 .000 .003 .001 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p32 Pearson Correlation .285** .347** .379** .356** .379** .374** .408** 1 .603** .291** .250** .379** .441** .394** .396** .409** .680**

Sig. (2-tailed) .001 .000 .000 .000 .000 .000 .000 .000 .001 .004 .000 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p33 Pearson Correlation .394** .332** .212* .325** .287** .400** .531** .603** 1 .398** .246** .235** .439** .295** .331** .401** .654**

Sig. (2-tailed) .000 .000 .015 .000 .001 .000 .000 .000 .000 .005 .007 .000 .001 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p34 Pearson Correlation .253** .230** .193* .204* .211* .387** .193* .291** .398** 1 .294** .372** .273** .256** .283** .195* .512**

Sig. (2-tailed) .004 .008 .027 .020 .016 .000 .027 .001 .000 .001 .000 .002 .003 .001 .026 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

173

Correlations

p25 p26 p27 p28 p29 p30 p31 p32 p33 p34 p35 p36 p37 p38 p39 p40 Total

p35 Pearson Correlation .329** .216* .268** .142 .231** .343** .175* .250** .246** .294** 1 -.025 .192* .338** .237** .267** .456**

Sig. (2-tailed) .000 .013 .002 .105 .008 .000 .046 .004 .005 .001 .779 .028 .000 .006 .002 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p36 Pearson Correlation .217* .176* .074 .187* .237** .203* .175* .379** .235** .372** -.025 1 .362** .268** .315** .211* .443**

Sig. (2-tailed) .013 .044 .402 .033 .006 .020 .046 .000 .007 .000 .779 .000 .002 .000 .016 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p37 Pearson Correlation .286** .354** .145 .380** .284** .417** .382** .441** .439** .273** .192* .362** 1 .526** .490** .564** .661**

Sig. (2-tailed) .001 .000 .099 .000 .001 .000 .000 .000 .000 .002 .028 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p38 Pearson Correlation .353** .347** .286** .378** .276** .516** .257** .394** .295** .256** .338** .268** .526** 1 .537** .602** .672**

Sig. (2-tailed) .000 .000 .001 .000 .001 .000 .003 .000 .001 .003 .000 .002 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p39 Pearson Correlation .454** .452** .232** .369** .255** .435** .294** .396** .331** .283** .237** .315** .490** .537** 1 .640** .683**

Sig. (2-tailed) .000 .000 .008 .000 .003 .000 .001 .000 .000 .001 .006 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

p40 Pearson Correlation .590** .516** .199* .420** .263** .514** .334** .409** .401** .195* .267** .211* .564** .602** .640** 1 .724**

Sig. (2-tailed) .000 .000 .023 .000 .002 .000 .000 .000 .000 .026 .002 .016 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

Total Pearson Correlation .675** .657** .535** .636** .531** .704** .623** .680** .654** .512** .456** .443** .661** .672** .683** .724** 1

Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000

N 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131 131

**. Correlation is significant at the 0.01 level (2-tailed). *. Correlation is significant at the 0.05 level (2-tailed).

Reliability



N %


Excludeda 0 .0

Total 131 100.0




.891 16

174

Hasil Uji Normalitas

NPar Tests

One-Sample Kolmogorov-Smirnov Test

Unstandardized

Residual

N 131

Normal Parametersa,b Mean .0000000

Std.

Deviation

5.89049854

Most Extreme

Differences

Absolute .071

Positive .071

Negative -.038

Test Statistic .071

Asymp. Sig. (2-tailed) .183c

a. Test distribution is Normal.

b. Calculated from data.

c. Lilliefors Significance Correction.

175

Regression

Variables Entered/Removeda

Model Variables Entered Variables Removed Method

1 pelatihan_keuangan, sikap_keuangan, pengetahuan_keuangan, perilaku_keuanganb

. Enter

a. Dependent Variable: manajemen_keuangan b. All requested variables entered.

Model Summaryb

Model R R Square Adjusted R

Square Std. Error of the

Estimate Durbin-Watson

1 .756a .572 .558 5.98327 2.012

a. Predictors: (Constant), pelatihan_keuangan, sikap_keuangan, pengetahuan_keuangan, perilaku_keuangan b. Dependent Variable: manajemen_keuangan

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1 Regression 6028.565 4 1507.141 42.100 .000b

Residual 4510.736 126 35.799 Total 10539.301 130

a. Dependent Variable: manajemen_keuangan b. Predictors: (Constant), pelatihan_keuangan, sikap_keuangan, pengetahuan_keuangan, perilaku_keuangan

Coefficientsa

Model Unstandardized Coefficients

Standardized Coefficients

t Sig. B Std. Error Beta

1 (Constant) .819 3.169 .258 .796

pengetahuan_keuangan

.412 .149 .202 2.757 .007

perilaku_keuangan

1.036 .201 .417 5.148 .000

sikap_keuangan

.241 .214 .088 1.127 .262

pelatihan_keuangan

.540 .151 .247 3.567 .001

a. Dependent Variable: manajemen_keuangan

176

Correlations

manajemen

_keuangan

pengetahuan_

keuangan

perilaku_

keuangan

sikap_ke

uangan

pelatihan_

keuangan

Pearson

Correlation

manajemen_keuangan 1.000 .565 .667 .524 .541

pengetahuan_keuangan .565 1.000 .482 .417 .511

perilaku_keuangan .667 .482 1.000 .648 .389

sikap_keuangan .524 .417 .648 1.000 .331

pelatihan_keuangan .541 .511 .389 .331 1.000

Sig. (1-

tailed)

manajemen_keuangan . .000 .000 .000 .000

pengetahuan_keuangan .000 . .000 .000 .000

perilaku_keuangan .000 .000 . .000 .000

sikap_keuangan .000 .000 .000 . .000

pelatihan_keuangan .000 .000 .000 .000 .

N manajemen_keuangan 131 131 131 131 131

pengetahuan_keuangan 131 131 131 131 131

perilaku_keuangan 131 131 131 131 131

sikap_keuangan 131 131 131 131 131

pelatihan_keuangan 131 131 131 131 131

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