bab v penutup 5.1. kesimpulan - e-journal.uajy.ac.ide-journal.uajy.ac.id/6696/6/em518191.pdf ·...

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BAB V

PENUTUP

Bab ini menjelaskan kesimpulan berdasarkan hasil penelitian dan analisis

data yang telah dilakukan serta keterbatasan dan saran yang diberikan peneliti

untuk penelitian selanjutnya.

5.1. Kesimpulan

Berdasarkan hasil penelitian dan analisis data yang telah dilakukan maka

dapat disimpulkan :

1. Terdapat hubungan antara karakteristik yang terdiri dari jenis kelamin,

umur, pendapatan, tempat tinggal responden, program studi, pekerjaan

sampingan, sumber pembiayaan kuliah responden terhadap financial

attitude, financial behavior, topik yang diketahui responden di dalam

lingkungan keluarga dan sumber peningkatan pengetahuan keuangan.

2. Terdapat hubungan antara financial attitude terhadap financial behavior,

topik yang diketahui responden di dalam lingkungan keluarga dan sumber

peningkatan pengetahuan keuangan.

3. Terdapat hubungan antara financial behavior terhadap topik yang diketahui

responden di dalam lingkungan keluarga dan sumber peningkatan

pengetahuan keuangan.

4. Terhadap hubungan antara sumber pembelajaran pengelolaan keuangan,

frekuensi pendiskusian keadaan keuangan, topik yang diketahui di dalam

lingkungan keluarga, sumber peningkatan pengetahuan keuangan, deskripsi

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kemampuan keluarga dalam mengelola keuangan dan perbandingan diri

dengan kemampuan keluarga dalam mengelola keuangan.

5. Mahasiswa dan mahasiswi Universitas Atma Jaya Yogyakarta memiliki

tingkat pengetahuan keuangan yang rendah.

6. Terdapat hubungan antara tingkat financial knowledge terhadap financial

attitude, financial behavior, topik yang diketahui responden di dalam

lingkungan keluarga dan sumber peningkatan pengetahuan keuangan.

5.2. Implikasi Manajerial

1. Karena rendahnya tingkat pemahaman keuangan dari mahasiswa

Universitas Atma Jaya Yogyakarta maka pihak Universitas Atmajaya

Yogyakarta dapat memberikan edukasi-edukasi keuangan untuk

meningkatkan pemahaman mengenai keuangan.

5.3. Kelemahan Penelitian

1. Penelitian dilakukan hanya di lingkungan Universitas Atmajaya

Yogyakarta sehingga menyebabkan terbatasnya penggambilan sampel

penelitian.

2. Beberapa bagian dalam kuisioner yang tidak dapat diterapkan di

Indonesia sehingga perlukan penyesuaian agar dapat diterapkan di

Indonesia.

5.4. Saran

1. Penelitian dapat dikembangkan di luar lingkup Universitas Atma Jaya

Yogyakarta.

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2. Penelitian ini dapat dijadikan pertimbangan bagi pihak Universitas Atma

Jaya Yogyakarta untuk memberikan pelatihan, pelajaran, maupun

seminar untuk menambah pengetahuan keuangan bagi mahasiswa.

3. Pihak Universitas Atma Jaya Yogyakarta dapat memaksimalkan peran

serta Pojok Bursa dan KSPM untuk ikut serta memberikan pengetahuan

keuangan bagi mahasiswa.

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DAFTAR PUSTAKA

Budiartie, Gustidha. (2013, 21 Mei), “OJK Segera Terbitkan Cetak Biru LiterasiKeuangan”, Tempo, 21 Mei 2013 diperolehhttp://www.tempo.co/read/news/2013/05/21/087482122/OJK-Segera-Terbitkan-Cetak-Biru-Literasi-Keuangan pada tanggal 9 Juli 2014.

Chen, H., & Volpe, R. P. (1998), “An Analysis of Personal Financial LiteracyAmong College Students”, Financial Services Review, 7(2), pp. 107-109.

Djojosoedarso, S., (2003), Prinsip-prinsip Manajemen Risiko & Asuransi, SalembaEmpat, Jakarta.

Hanafi, M. M, (2006), Manajemen Risiko, UPP STIM YKPN, Yogyakarta.FAT (2013), “Edukasi Literasi Keuangan, OJK Gandeng Kemendikbud”, diakses

darihttp://www.hukumonline.com/berita/baca/lt526a7586a6b3e/edukasi-literasi-keuangan--ojk-gandeng-kemendikbud pada tanggal 9 Juli 2014.

James C.V.H, John M.W, JR., (2009), Fundamentals of Financial Management,Salemba Empat, Jakarta.

Jannah, Kurniasih Miftakhul (2014), “OJK Sebut Pengetahuan Keuangan RI MasihMinim”, Okezone, 2 Juli 2014 diperoleh darihttp://economy.okezone.com/read/2014/07/02/457/1007035/ojk-sebut-pengetahuan-keuangan-ri-masih-minim pada tangggal 9 Juli 2014.

Hayat, Ipul (2014), “OJK: Tingkat Literasi Keuangan Masyarakat Indonesia MasihRendah”, Harianaceh, diakses darihttp://www.harianaceh.co.id/ekonomi/2014/08/24/24484/13/51/08/ojk-tingkat-literasi-keuangan-masyarakat-indonesia-masih-rendah/ pada tanggal9 Juli 2014

Maryatmo R., (2011), Modul Praktikum Ekonometri 1 dan Pengantar Ekonometri,Fakultas Ekonomi Universitas Atma Jaya Yogyakarta, Yogyakarta.

Research Compliance at Virginia Tech. (2007), “College Student FinancialLiteracy Survey”, diperoleh darihttp://scholar.lib.vt.edu/theses/available/etd-10162007-143627/unrestricted/CSFLC_Survey.pdf pada tanggal 12 Maret 2014.

Ricciardi Victor & Simon K. Helen, (2000), “What is Behavioral Finance?”,Business, Education and Technology Journal, hal. 1 - 9.

Rob. A Cliff & Woodyard. S Ann, (2011), “Financial Knowledge and Best PracticeBehavior”, Association for Financial Counseling and PlanningEducation, hal. 60 – 87.

Robbins, P.S., dan Judge, A.T, (2008), Perilaku Organisasi, Salemba Empat,Jakarta.

Satrio, Yogi Dwi. (2012), “Analisis Financial Literacy Mahasiswa FakultasEkonomi Universitas Negeri Malang (Thesis)”, diakses darihttp://karya-ilmiah.um.ac.id/index.php/disertasi/article/view/22704 padatanggal 9 Juli 2014.

199

Sekaran, Uma, Bougie, Roger (2010), Research Methods for Business : A SkillBuilding Approach, Five Edition, New York: John Wiley and Sons, Inc.

Shaari, Noor Azizah, (2003), “Financial Literacy: A Study Among the UniversityStudents”, Interdesciplinary Journal of Contemporary Research inBusiness, Vol. 5 (2), hal. 279 – 289.

Simamora, Bilson, (2005), “Analisis Multivarian Pemasaran” Jakarta: GramediaPustaka Utama, diperoleh dari http://books.google.co.id/books/Analisis_Multivariat_Pemasaran.html?hl=id&id=MTrrAB756b8C pada tanggal 9Juli 2014.

Wirartha, I Made, (2009), Metode Penelitian Sosial Ekonomi, Andi, Yogyakarta.Nababan, D, Safalia, I, (2012), “Analisis Personal Financial Literacy dan Financial

Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas SumateraUtara”,diperoleh darihttp://jurnal.usu.ac.id/index.php/jmim/article/view/651/pdf pada tanggal 9Juli 2014.

Wikipedia, (2011), “Manajemen Hutang”, diperoleh darihttp://id.wikipedia.org/wiki/Manajemen_Hutang, pada tanggal 9 Juli2014.

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LAMPIRAN 1Tabel Krejie

Populasi (N)Sampel

(n)Populasi

(N)Sampel

(n)Populasi

(N)Sampel (n)

10 10 220 140 1200 29115 14 230 144 1300 29720 19 240 148 1400 30225 24 250 152 1500 30630 28 260 155 1600 31035 32 270 159 1700 31340 36 280 162 1800 31745 40 290 165 1900 32050 44 300 169 2000 32255 48 320 175 2200 32760 52 340 181 2400 33165 56 360 186 2600 33570 59 380 191 2800 33875 63 400 196 3000 34180 66 420 201 3500 34685 70 440 205 4000 35190 73 460 210 4500 35495 76 480 214 5000 357100 80 500 217 6000 361110 86 550 226 7000 364120 92 600 234 8000 367130 97 650 242 9000 368140 103 700 248 10000 370150 108 750 254 15000 375160 113 800 260 20000 377170 118 850 265 30000 379180 123 900 269 40000 380190 127 950 274 50000 381200 132 1000 278 75000 382210 136 1100 285 1000000 384

Sumber : Research Methods for Business (Sekaran dan Bougie, 2009: 295)

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LAMPIRAN 2KUISIONER PENELITIAN

Berhubungan dengan penyelesaian tugas akhir atau skripsi yang sedang saya kerjakan diFakultas Ekonomi Universitas Atma Jaya Yogyakarta berkaitan dengan pengetahuan keuanganyang dimiliki oleh mahasiswa dan mahasiswi Universitas Atma Jaya Yogyakarta. Maka diharapkanrespoden dapat meluangkan waktu untuk mengisi kuisioner penelitian ini.

Peneliti,Tania Budiono

A. KARAKTERISTIK RESPODEN1. Jenis Kelamin

a. Priab. Wanita

2. Umura. 17 – 19 c. 23 -25b. 20 -22 d. >26

3. Pendapatana. < 500.000 d. 1.500.100 – 2000.000b. 500.100 – 1000.000 e. > 2000.100c. 1000.100 – 1.500.000

4. Dimana tempat tinggal anda selama masa perkuliahan ?a. Kos / kontrakan / apartemenb. Tinggal bersama orang tua

5. Program Studia. Manajemen g. Teknik Sipilb. Akuntansi h. Teknik Informatikac. Ilmu Ekonomi e. Teknik Indutrid. Tekno Biologi f. Komunikasie. Hukum g. Sosiologif. Arsitek

6. Apakah anda mempunyai pekerjaan sampingan (pekerjaan paruh waktu) dan berapa tahunanda bekerja ?

a. Tidak punyab. Punya, < 2 tahunc. Punya , 2-4 tahund. Punya , >4

7. Biaya pendidikan kuliah saya dibiayai oleha. Diri saya sendiri (100%)b. Orang tua (100%)c. Saya sendiri (50%) dan orangtua (50%)d. Lainnya__________

B. FINANCIAL ATTITUDES8. Topik apa yang anda suka ?(boleh lebih dari 1)

Budgeting Investasi Pajak Kartu kredit AsuransiTabungan Lain-lain

9. Beri tanda pada tempat yang sudah disediakan !(1=Sangat tidak penting, 2= Tidakpenting , 3= Netral, 4= Penting, 5= Sangat Penting)

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Statement 1 2 3 4 5a. Mengelola rekapan keuangan pribadi anda sendirib. Menghabiskan uang kurang dari pendapatan andac. Mempertahankan cakupan ansuransi yang

memadaid. Merencanakan dan mengimplementasikan

rencana investasi / menabung

10. Tandai pada statement yang ada dibawah ini! (1=Sangat tidak yakin, 2= Tidak yakin , 3=Netral, 4= Yakin, 5= Sangat yakin)

Statement 1 2 3 4 5a. Saya yakin dapat mengatur keuangan pribadi sayab. Saya yakin dapat mengelola pendapatan saya

sesuai dengan anggaran pribadi sayac. Mengelola keuangan pribadi tidak menjadi

ketakutan dan kekawatiran sayad. Saya merasa bahwa kartu kredit aman dan

memiliki risiko yang rendahe. Saya mampu untuk mengelola keuangan pribadi

saya di masa yang akan datangf. Saya tidak merasa khawatir dan takut saat

memutuskan untuk menggunakan kartu kreditg. Saya merasa bahwa biaya untuk menggunakan

kartu kredit terlalu mahalh. Saya merasa perlu untuk menyisihkan uang setiap

bulannya untuk ditabung atau berinvestasii. Saya merasa bahwa memiliki asuransi jiwa itu

pentingj. Saya suka membaca dan memiliki ketertarikan

untuk membaca buku yang terkait denganpengelolaan keuangang (money management)

k. Saya tertarik untuk meningkatkan pengetahuankeuangan saya

C. FINANCIAL BEHAVIORS11. Sebagian orang memilih untuk berhemat dan lebih suka menabung tetapi ada juga yang

memilih menghabiskan uang mereka untuk berbelanja. Bagaimana anda menggambarkandiri anda?a. Sangat hemat, saya lebih memilih untuk menabung uang sayab. Hemat, saya lebih suka menabung uang saya sebagianc. Boros, saya lebih suka membelanjakan uang sayad. Sangat boros, saya lebih memilih untuk membelanjakan uang saya daripada menabung

12. Apa saja instrumen keuangan yang ada punya? (bisa lebih dari 1)Tabungan Saham Obligasi deposito reksadana

Lain-lain

13. Pertanyaan ini ditujukan untuk respoden yang memiliki kartu kredit (jika anda tidakmemiliki kartu kredit ,langsung ke pertanyaan no 14)

a. Berapa kartu kredit anda ?______b. Bagaimana anda membayar tagihan kartu kredit anda selama sebulan?

a. Saya membayar batas minimum penggunaan kartu kreditb. Saya membayar secara penuh tagihan kartu kredit saya

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c. Orang tua saya membayar tagihan kartu kredit saya

14. Seberapa sering anda membuat anggaran keuangan anda?a. Seringb. Kadang – kadangc. Tidak pernah

15. Tandai pada statement yang ada dibawah ini ! (1=Sangat tidak yakin, 2= Tidak yakin , 3=Netral, 4= Yakin, 5= Sangat yakin)

Statement 1 2 3 4 5a. Saya membuat anggaran dan melakukannyab. Saya menggunakan kartu kredit untuk belanja

ketika saya tidak mempunyai uangc. Saya membandingkan harga ketika saya belanjad. Saya mempunyai asuransi jiwae. Saya selalu membaca untuk meningkatkan

pengetahuan keuangan sayaf. Saya selalu membaca dan memahami surat

perjanjian sewa kost/kontrakan/apartemen danpinjaman saat akan menandatangani nya

D. ANALISIS PENGARUH16. Tandai pada statement yang ada dibawah ini. Darimana anda belajar untuk mengelola

uang pribadi anda? (1=Sangat tidak yakin, 2= Tidak yakin , 3= Netral, 4= Yakin, 5= Sangatyakin)

Statement 1 2 3 4 5a. Orang tuab. Temanc. Lembaga Pendidikand. Buku & internete. Pengalaman kerjaf. Konsultan Keuangan

17. Tandai pada statement yang ada dibawah ini (1=Tidak pernah, 2=sekali dalam setahun,3=sekali dalam sebulan, 4=2 kali dalam sebulan, 5= perminggu). Seberapa sering andamendiskusikan keadaan keuangan anda dengan :

Statement 1 2 3 4 5a. Orang tuab. Temanc. Konsultan Keuangan

18. Dari beberapa item di bawah ini, item mana yang anda ketahui dan pelajari ketika masihberada dilingkungan keluarga anda saat tumbuh dewasa?(boleh lebih dari 1)

Anggaran Investasi Pajak Kredit AsuransiKartu kredit Tabungan Lainnya

19. Darimana anda meningkatkan pengetahuan keuangan anda? ( boleh lebih dari 1)Orang tua Teman lembaga pendidikan Buku

internetPengalamanan kerja

20. Bagaimana anda mendeskripsikan kemampuan keluarga anda dalam mengelola keuangan?a. Orang tua saya selalu beradu pendapat ketika sedang mengelola keuangan keluarga

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b. Setiap anggota keluarga berdiskusi mengenai kondisi keuangan dan mendiskusikansecara bersama-sama

c. Orang tua saya dengan tegas mengajarkan pengelolaan keuangan kepada sayad. Setiap anggota keluarga memiliki keputusan financial yang berbeda-beda

21. Jika anda membandingkan diri anda dengan orang tua anda dalam hal pengelolaan keuangan,bagaimana anda menggambarkan diri anda:a. Lebih suka untuk menabungb. Memilih untuk menabung dan menghabiskan uang tersebutc. Memilih untuk membelanjakan uang beberapa kalid. Lebih suka untuk membelanjakan uang

E. FINANCIAL KNOWLEDGE22. Nilai kekayaan bersih (net worth) adalah :

a. Perbedaan antara pendapatan dan pengeluaranb. Perbedaan antara kewajiban dan assetc. Perbedaan antara kas masuk dan kas keluard. Perbedaan antara pinjaman dan tabungan

23. Jika pembayaran suatu transaksi menggunakan cek, siapa yang akan dikenakan biaya?a. Orang yang menuliskan cekb. Orang yang tercantum dalam cekc. Orang yang menulis dan orang yang tercantum didalam cekd. Tidak ada yang dikenakan biaya

24. Anto dan Tina memiliki umur yang sama. Saat berumur 25 tahun, Anto menabung sebesar200.000 selama 10 tahun. Anto memutuskan untuk berhenti menabung pada umur 35 tahun.Pada umur 35 tahun Tina menabung sebesar 200.000 selama 30 tahun dan berhenti padaumur 65 tahun. Sekarang mereke sama-sama berumur 65 tahun. Siapa yang memilikitabungan yang lebih banyak (diasumsikan, investasi tersebut memiliki tingkat bunga10%)?a. Tina, karena dia menabung semua uangnyab. Anto, karena uang yang ia tabung berkembang dalam jangka waktu yang lamac. Mereka memiliki jumlah uang yang samad. Pertanyaan tidak dapat dijawab karena kurangnya informasi

25. Jika anda sudah mendandatangani perjanjian sewa kost/kontrakan/apartemen selamasetahun dengan nominal sewa 3juta/bulan tetapi anda tidak pernah menempatinya,andasecara hukum berhutang kepada si pemilik berupaa. Uang jaminanb. Uang sewa anda selama sebulan sebesar 3 juta/bulanc. Uang sewa anda selama setahun sebesar 36 jutad. Tidak memiliki hutang apapun

26. Faktor utama seorang kreditor setuju untuk memberikan pinjaman adalaha. Sudah adanya status pernikahan dan memiliki anakb. Pendidikan dan pekerjaanc. Umur dan jenis kelamind. Rekapan pembayaran tagihan dan pendapatan

27. Jika anda menandatangani pinjaman untuk teman anda, anda akan menjadia. Menjadi salah satu yang memenuhi syarat untuk mendapatkan pokok pinjamanb. Menjadi penjamin untuk teman anda tetapi anda tidak mempunyai kewajiban secara

hukum untuk mengembalikan pinjaman tersebutc. Memiliki tanggung jawab untuk membayar pinjaman ketika teman anda tidak dapat

memenuhi kewajiban

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d. Berhak untuk mendapatkan pinjaman pribadi

28. Jika pengguna kartu kredit gagal untuk membayar tagihannya, maka kreditor berhakmelakukan tindakan kecualia. Mendiskusikan keadaan keuangan konsumen dengan atasanyab. Memberikan gugatan kepada konsumen tersebutc. Memberi tahu kepada biro kredit bahwa konsumen menunggakd. Menggunakan depkolektor untuk menagih tunggakan dari konsumen tersebut

29. Berikut ini merupakan pernyataan yang benar tetang kebangkrutan kecuali :a. Lebih sulit untuk mendapatkan pinjaman dengan bunga yang rendahb. Akan menjadi beban hutang anda selama 10 tahunc. Semua pinjaman anda akan memiliki bunga yang tinggi karena anda mengalami

kebangkrutand. Kebangkrutan anda membuat anda terbebas dari seluruh pinjaman

30. Apa yang dilakukan oleh biro kredit ?a. Menerima permohonan pengajuan pinjamanb. Memberikan penolakan pengajuan pinjaman kepada pemohon pinjamanc. Memberikan pinjaman kepada pemohon pinjaman yang memenuhi syaratd. Menyediakan kreditur laporan pembayaran tagihan konsumen

31. Jika anda mendapatkan penghasilan kurang dari apa yang anda harapkan, tagihan apa yangakan anda bayarkan terlebih dulu?a. Pajak pendapatan, pajak kekayaan, dan jaminan kesehatan dan sosialb. Pajak penghasilan serta jaminan sosial dan kesehatanc. Pajak penghasilan, pajak penjualan, serta jaminan sosiald. Pajak penghasilan, jaminan sosial dan kesehatanm dan pajak negara

32. Jika anda ingin melakukan investasi untuk hari tua anda, investasi apa yang akan anda pilih?a. Membuat akun tabungan di bank yang diasuransikanb. Menginvestasikan uang melalui depositoc. Reksadanad. Investasi melalui saham tresuri

33. Tono dan Tini mengumpulkan uang dari pekerjaan mereka dan berencana menggunakanuang tersebut untuk pendidikan anaknya kelak. Menurut anda, dalam bentuk apakah merekamenginvestasikan uang mereka?a. Obligasib. Saham dan reksadanac. Tabungand. Rekening di pasar uang

34. Banyak orang yang menyisihkan pendapatan mereka untuk keperluan yang tidak terduga.Dalam bentuk apa anda menyisihkan pendapatan anda untuk keperluan yang tidak terdugatersebut?a. Tabunganb. Rumahc. Sahamd. Giro

35. Pilihan asuransi apa yang tepat untuk membayar hal berikut:a. Penggantian mobil yang dicuri

Asuransi kerugian Asuransi kecelakaanAsuransi kendaraan Asuransi kesehatan

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b. Kerugian akibat gugatanAsuransi kerugian Asuransi kecelakaanAsuransi kendaraan Asuransi kesehatan

c. Kecelakaan yang disebabkan oleh diri anda sendiriAsuransi kerugian Asuransi kecelakaanAsuransi kendaraan Asuransi kesehatan

36. Jika kebijakan asuransi memiliki batasan pengeluaran dana sebesar Rp 1000.000,- / Rp3000.000,- untuk membiayai kecelakaan / operasi, asuransi tersebut digunakan untuka. Rp 1000.000,- digunakan untuk membiayai kecelakaan tetapi asuransi tidak akan

mengeluarkan dana lebih dari Rp 3000.000,- untuk kebijakan asuransi jiwab. Rp 1000.000,- digunakan untuk membiayai tagihan obat tetapi asuransi tidak akan

mengeluarkan dana lebih dari Rp 3000.000,- untuk biaya rumah sakitc. Rp 1000.000,- digunakan untuk membiayai operasi tiap-tiap orang tetapi asuransi

tidak akan mengeluarkan dana lebih dari Rp 3000.000,- untuk kecelakan tiap-tiaporang

d. Rp 1000.000,- digunakan untuk seseorang yang memiliki asuransi jiwa tetapi asuransitidak akan mengeluarkan dana lebih dari Rp 3000.000,- untuk orang yang tidakmemiliki asuransi jiwa

37. Alasan kenapa seseorang membeli asuransi adalaha. Melindungi seseorang ketika mengalami kerugianb. Asuransi memberikan pengembalian investasi yang menguntungkanc. Melindungi seseorang ketika mereka mengalami kejadian (kecelakaan,bencana

alam,dll)d. Dapat meningkatkan standar kehidupan seseorang saat mengajukan klaim palsu

38. Asumsikan anda tidak memiliki uang, sudah menikah dan memiliki anak. Andaberkesempatan untuk mendapatkan asuransi dari pekerjaan anda. Bagaimana anda akanmenggunakan kesempatan tersebut yang anda miliki tersebut?a. Anda akan membeli asuransi jiwa berjangkab. Anda tidak akan membeli asuransi jiwac. Anda mungkin akan membeli asuransi penerbangan ketika anda melakukan perjalanan

udarad. Anda akan membeli asuransi tunai

39. Siapa yang dapat secara hukum mengakses laporan kredit anda?a. Krediturb. Agen penyewaan tempat tinggalc. Perusahaan asuransid. Semua yang disebutkan di atas dapat mengakses laporan kredit anda

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LAMPIRAN 3ONE-WAY ANOVA BERDASARKAN JENIS KELAMIN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound

Topik yang disukai (Budgeting)

Pria 182 .23 .419 .031 .16 .29 0 1

Wanita 188 .22 .414 .030 .16 .28 0 1

Total 370 .22 .416 .022 .18 .26 0 1

Topik yang disukai (Tabungan)

Pria 182 .51 .501 .037 .43 .58 0 1

Wanita 188 .50 .501 .037 .43 .57 0 1

Total 370 .50 .501 .026 .45 .55 0 1

Topik yang disukai (Investasi)

Pria 182 .61 .489 .036 .54 .68 0 1

Wanita 188 .52 .501 .037 .44 .59 0 1

Total 370 .56 .497 .026 .51 .61 0 1

Topik yang disukai (Pajak)

Pria 182 .11 .314 .023 .06 .16 0 1

Wanita 188 .11 .316 .023 .07 .16 0 1

Total 370 .11 .314 .016 .08 .14 0 1

Topik yang disukai (Kartu kredit)

Pria 182 .07 .258 .019 .03 .11 0 1

Wanita 188 .05 .214 .016 .02 .08 0 1

Total 370 .06 .237 .012 .04 .08 0 1

Topik yang disukai (Asuransi)

Pria 182 .14 .351 .026 .09 .19 0 1

Wanita 188 .13 .340 .025 .08 .18 0 1

Total 370 .14 .345 .018 .10 .17 0 1

Topik yang disukai (Lain-lain)

Pria 182 .07 .258 .019 .03 .11 0 1

Wanita 188 .05 .214 .016 .02 .08 0 1

Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang dimiliki

(Tabungan)

Pria 182 .97 .179 .013 .94 .99 0 1

Wanita 188 .99 .103 .008 .97 1.00 0 1

Total 370 .98 .146 .008 .96 .99 0 1

Instrumen keuangan yang dimiliki (Saham)

Pria 182 .09 .284 .021 .05 .13 0 1

Wanita 188 .03 .176 .013 .01 .06 0 1

Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang dimiliki (Obligasi)

Pria 182 .03 .164 .012 .00 .05 0 1

Wanita 188 .01 .103 .008 .00 .03 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

Pria 182 .10 .307 .023 .06 .15 0 1

Wanita 188 .09 .288 .021 .05 .13 0 1

Total 370 .10 .297 .015 .07 .13 0 1

208


(Reksadana)

Pria 182 .01 .105 .008 .00 .03 0 1

Wanita 188 .01 .073 .005 -.01 .02 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

Pria 182 .01 .105 .008 .00 .03 0 1

Wanita 188 .03 .161 .012 .00 .05 0 1

Total 370 .02 .136 .007 .00 .03 0 1

Topik yang diketahui didalam lingkungan

keluarga (Anggaran)

Pria 182 .34 .473 .035 .27 .40 0 1

Wanita 188 .38 .486 .035 .31 .45 0 1

Total 370 .36 .480 .025 .31 .41 0 1


keluarga (Investasi)

Pria 182 .36 .482 .036 .29 .43 0 1

Wanita 188 .34 .475 .035 .27 .41 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

Pria 182 .24 .429 .032 .18 .30 0 1

Wanita 188 .21 .410 .030 .15 .27 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

Pria 182 .18 .382 .028 .12 .23 0 1

Wanita 188 .15 .357 .026 .10 .20 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

Pria 182 .32 .467 .035 .25 .39 0 1

Wanita 188 .41 .493 .036 .34 .48 0 1

Total 370 .36 .482 .025 .32 .41 0 1


keluarga (Kartu kredit)

Pria 182 .19 .395 .029 .13 .25 0 1

Wanita 188 .21 .410 .030 .15 .27 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

Pria 182 .85 .362 .027 .79 .90 0 1

Wanita 188 .89 .316 .023 .84 .93 0 1

Total 370 .87 .339 .018 .83 .90 0 1


keluarga (Lain-lain)

Pria 182 .01 .074 .005 -.01 .02 0 1

Wanita 188 .02 .126 .009 .00 .03 0 1

Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan pengetahuan keuangan

(Orang tua)

Pria 182 .74 .439 .033 .68 .81 0 1

Wanita 188 .79 .407 .030 .73 .85 0 1

Total 370 .77 .423 .022 .72 .81 0 1


(Teman)

Pria 182 .49 .501 .037 .42 .56 0 1

Wanita 188 .48 .501 .037 .41 .56 0 1

Total 370 .49 .500 .026 .44 .54 0 1


(Lembaga Pendidikan)

Pria 182 .30 .458 .034 .23 .36 0 1

Wanita 188 .32 .467 .034 .25 .39 0 1

Total 370 .31 .462 .024 .26 .36 0 1

Sumber peningkatan pengetahuan keuangan Pria 182 .31 .465 .034 .25 .38 0 1

209

(Buku) Wanita 188 .23 .421 .031 .17 .29 0 1

Total 370 .27 .445 .023 .22 .32 0 1


(Internet)

Pria 182 .50 .501 .037 .43 .57 0 1

Wanita 188 .38 .487 .036 .31 .45 0 1

Total 370 .44 .497 .026 .39 .49 0 1


(Pengalaman Kerja)

Pria 182 .32 .469 .035 .26 .39 0 1

Wanita 188 .22 .414 .030 .16 .28 0 1

Total 370 .27 .445 .023 .22 .32 0 1

Test of Homogeneity of Variances

Levene Statistic df1 df2 Sig.

Topik yang disukai (Budgeting) .110 1 368 .740

Topik yang disukai (Tabungan) .023 1 368 .881

Topik yang disukai (Investasi) 8.891 1 368 .003

Topik yang disukai (Pajak) .012 1 368 .912

Topik yang disukai (Kartu kredit) 3.690 1 368 .055

Topik yang disukai (Asuransi) .302 1 368 .583

Topik yang disukai (Lain-lain) 3.690 1 368 .055

Instrumen keuangan yang dimiliki (Tabungan) 8.922 1 368 .003

Instrumen keuangan yang dimiliki (Saham) 22.040 1 368 .000

Instrumen keuangan yang dimiliki (Obligasi) 5.721 1 368 .017

Instrumen keuangan yang dimiliki (Deposito) .819 1 368 .366

Instrumen keuangan yang dimiliki (Reksadana) 1.478 1 368 .225

Instrumen keuangan yang dimiliki (Lain-lain) 4.910 1 368 .027

Topik yang diketahui didalam lingkungan keluarga (Anggaran) 2.874 1 368 .091

Topik yang diketahui didalam lingkungan keluarga (Investasi) .792 1 368 .374

Topik yang diketahui didalam lingkungan keluarga (Pajak) 1.765 1 368 .185

Topik yang diketahui didalam lingkungan keluarga (Kredit) 1.965 1 368 .162

Topik yang diketahui didalam lingkungan keluarga (Asuransi) 12.425 1 368 .000

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit) .956 1 368 .329

Topik yang diketahui didalam lingkungan keluarga (Tabungan) 5.769 1 368 .017

Topik yang diketahui didalam lingkungan keluarga (Lain-lain) 3.816 1 368 .052

Sumber peningkatan pengetahuan keuangan (Orang tua) 5.353 1 368 .021

Sumber peningkatan pengetahuan keuangan (Teman) .035 1 368 .852

Sumber peningkatan pengetahuan keuangan (Lembaga Pendidikan) .871 1 368 .351

Sumber peningkatan pengetahuan keuangan (Buku) 13.383 1 368 .000

Sumber peningkatan pengetahuan keuangan (Internet) 10.490 1 368 .001

Sumber peningkatan pengetahuan keuangan (Pengalaman Kerja) 21.228 1 368 .000

210

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .005 1 .005 .028 .868

Within Groups 63.822 368 .173

Total 63.827 369


Between Groups .003 1 .003 .011 .916


Total 92.497 369


Between Groups .816 1 .816 3.327 .069


Total 91.070 369


Between Groups .000 1 .000 .003 .956


Total 36.457 369


Between Groups .051 1 .051 .915 .339


Total 20.692 369


Between Groups .009 1 .009 .076 .784


Total 43.970 369


Between Groups .051 1 .051 .915 .339


Total 20.692 369

Instrumen keuangan yang dimiliki (Tabungan)

Between Groups .046 1 .046 2.181 .141


Total 7.827 369


Between Groups .290 1 .290 5.230 .023


Total 20.692 369


Between Groups .026 1 .026 1.410 .236


Total 6.868 369

Instrumen keuangan yang dimiliki (Deposito)

Between Groups .018 1 .018 .204 .651


Total 32.497 369

Instrumen keuangan yang dimiliki (Reksadana)Between Groups .003 1 .003 .368 .544


211

Total 2.976 369

Instrumen keuangan yang dimiliki (Lain-lain)

Between Groups .023 1 .023 1.211 .272


Total 6.868 369

Topik yang diketahui didalam lingkungan keluarga (Anggaran)

Between Groups .167 1 .167 .725 .395


Total 84.908 369

Topik yang diketahui didalam lingkungan keluarga (Investasi)

Between Groups .046 1 .046 .199 .656


Total 84.324 369

Topik yang diketahui didalam lingkungan keluarga (Pajak)

Between Groups .078 1 .078 .441 .507


Total 64.930 369

Topik yang diketahui didalam lingkungan keluarga (Kredit)

Between Groups .067 1 .067 .490 .484


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)

Between Groups .764 1 .764 3.308 .070


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit)

Between Groups .039 1 .039 .238 .626


Total 59.797 369

Topik yang diketahui didalam lingkungan keluarga (Tabungan)

Between Groups .164 1 .164 1.427 .233


Total 42.511 369

Topik yang diketahui didalam lingkungan keluarga (Lain-lain)

Between Groups .010 1 .010 .944 .332


Total 3.957 369

Sumber peningkatan pengetahuan keuangan (Orang tua)

Between Groups .239 1 .239 1.335 .249


Total 66.011 369

Sumber peningkatan pengetahuan keuangan (Teman)

Between Groups .002 1 .002 .009 .924


Total 92.432 369

Sumber peningkatan pengetahuan keuangan (Lembaga Pendidikan)

Between Groups .047 1 .047 .217 .641


Total 78.876 369

Sumber peningkatan pengetahuan keuangan (Buku)

Between Groups .660 1 .660 3.357 .068


Total 72.973 369

212

Sumber peningkatan pengetahuan keuangan (Internet)

Between Groups 1.266 1 1.266 5.182 .023


Total 91.192 369

Sumber peningkatan pengetahuan keuangan (Pengalaman Kerja)

Between Groups 1.041 1 1.041 5.325 .022


Total 72.973 369

LAMPIRAN 4ONE-WAY ANOVA BERDASARKAN UMUR

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


17-19 79 .20 .404 .046 .11 .29 0 1

20-22 259 .23 .420 .026 .18 .28 0 1

23-25 26 .27 .452 .089 .09 .45 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .22 .416 .022 .18 .26 0 1


17-19 79 .57 .498 .056 .46 .68 0 1

20-22 259 .49 .501 .031 .43 .55 0 1

23-25 26 .50 .510 .100 .29 .71 0 1

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .50 .501 .026 .45 .55 0 1


17-19 79 .51 .503 .057 .39 .62 0 1

20-22 259 .59 .492 .031 .53 .65 0 1

23-25 26 .46 .508 .100 .26 .67 0 1

>26 6 .33 .516 .211 -.21 .88 0 1

Total 370 .56 .497 .026 .51 .61 0 1


17-19 79 .18 .384 .043 .09 .26 0 1

20-22 259 .10 .301 .019 .06 .14 0 1

23-25 26 .00 .000 .000 .00 .00 0 0

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .11 .314 .016 .08 .14 0 1


17-19 79 .06 .245 .028 .01 .12 0 1

20-22 259 .06 .234 .015 .03 .09 0 1

23-25 26 .08 .272 .053 -.03 .19 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1

Topik yang disukai (Asuransi) 17-19 79 .14 .348 .039 .06 .22 0 1

213

20-22 259 .13 .338 .021 .09 .17 0 1

23-25 26 .12 .326 .064 -.02 .25 0 1

>26 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .14 .345 .018 .10 .17 0 1


17-19 79 .04 .192 .022 -.01 .08 0 1

20-22 259 .07 .248 .015 .04 .10 0 1

23-25 26 .04 .196 .038 -.04 .12 0 1

6 .17 .408 .167 -.26 .60 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

17-19 79 .99 .113 .013 .96 1.01 0 1

20-22 259 .98 .124 .008 .97 1.00 0 1

23-25 26 .92 .272 .053 .81 1.03 0 1

>26 6 .83 .408 .167 .40 1.26 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

17-19 79 .03 .158 .018 -.01 .06 0 1

20-22 259 .06 .234 .015 .03 .09 0 1

23-25 26 .15 .368 .072 .01 .30 0 1

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

17-19 79 .00 .000 .000 .00 .00 0 0

20-22 259 .03 .162 .010 .01 .05 0 1

23-25 26 .00 .000 .000 .00 .00 0 0

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

17-19 79 .06 .245 .028 .01 .12 0 1

20-22 259 .10 .306 .019 .07 .14 0 1

23-25 26 .15 .368 .072 .01 .30 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

17-19 79 .00 .000 .000 .00 .00 0 0

20-22 259 .01 .107 .007 .00 .02 0 1

23-25 26 .00 .000 .000 .00 .00 0 0

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

17-19 79 .01 .113 .013 -.01 .04 0 1

20-22 259 .02 .138 .009 .00 .04 0 1

23-25 26 .00 .000 .000 .00 .00 0 0

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .02 .136 .007 .00 .03 0 1

Topik yang diketahui didalam 17-19 79 .30 .463 .052 .20 .41 0 1

214

lingkungan keluarga (Anggaran) 20-22 259 .39 .488 .030 .33 .45 0 1

23-25 26 .31 .471 .092 .12 .50 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .36 .480 .025 .31 .41 0 1

Topik yang diketahui didalam

lingkungan keluarga (Investasi)

17-19 79 .43 .498 .056 .32 .54 0 1

20-22 259 .33 .470 .029 .27 .39 0 1

23-25 26 .38 .496 .097 .18 .59 0 1

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .35 .478 .025 .30 .40 0 1


lingkungan keluarga (Pajak)

17-19 79 .25 .438 .049 .16 .35 0 1

20-22 259 .23 .420 .026 .18 .28 0 1

23-25 26 .19 .402 .079 .03 .35 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .23 .419 .022 .18 .27 0 1


lingkungan keluarga (Kredit)

17-19 79 .24 .430 .048 .14 .34 0 1

20-22 259 .15 .355 .022 .10 .19 0 1

23-25 26 .08 .272 .053 -.03 .19 0 1

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .16 .369 .019 .12 .20 0 1


lingkungan keluarga (Asuransi)

17-19 79 .43 .498 .056 .32 .54 0 1

20-22 259 .36 .481 .030 .30 .42 0 1

23-25 26 .27 .452 .089 .09 .45 0 1

>26 6 .17 .408 .167 -.26 .60 0 1

Total 370 .36 .482 .025 .32 .41 0 1


lingkungan keluarga (Kartu kredit)

17-19 79 .32 .468 .053 .21 .42 0 1

20-22 259 .18 .386 .024 .13 .23 0 1

23-25 26 .12 .326 .064 -.02 .25 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .20 .403 .021 .16 .24 0 1


lingkungan keluarga (Tabungan)

17-19 79 .86 .348 .039 .78 .94 0 1

20-22 259 .86 .343 .021 .82 .91 0 1

23-25 26 .88 .326 .064 .75 1.02 0 1

>26 6 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1


lingkungan keluarga (Lain-lain)

17-19 79 .03 .158 .018 -.01 .06 0 1

20-22 259 .01 .088 .005 .00 .02 0 1

23-25 26 .00 .000 .000 .00 .00 0 0

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan pengetahuan 17-19 79 .87 .335 .038 .80 .95 0 1

215

keuangan (Orang tua) 20-22 259 .75 .432 .027 .70 .81 0 1

23-25 26 .65 .485 .095 .46 .85 0 1

>26 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .77 .423 .022 .72 .81 0 1

Sumber peningkatan pengetahuan

keuangan (Teman)

17-19 79 .46 .501 .056 .34 .57 0 1

20-22 259 .50 .501 .031 .44 .56 0 1

23-25 26 .46 .508 .100 .26 .67 0 1

>26 6 .33 .516 .211 -.21 .88 0 1

Total 370 .49 .500 .026 .44 .54 0 1


keuangan (Lembaga Pendidikan)

17-19 79 .33 .473 .053 .22 .44 0 1

20-22 259 .33 .470 .029 .27 .39 0 1

23-25 26 .12 .326 .064 -.02 .25 0 1

>26 6 .00 .000 .000 .00 .00 0 0

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

17-19 79 .27 .445 .050 .17 .37 0 1

20-22 259 .26 .441 .027 .21 .32 0 1

23-25 26 .31 .471 .092 .12 .50 0 1

>26 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

17-19 79 .46 .501 .056 .34 .57 0 1

20-22 259 .42 .495 .031 .36 .49 0 1

23-25 26 .54 .508 .100 .33 .74 0 1

>26 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .44 .497 .026 .39 .49 0 1


keuangan (Pengalaman Kerja)

17-19 79 .15 .361 .041 .07 .23 0 1

20-22 259 .30 .458 .028 .24 .35 0 1

23-25 26 .35 .485 .095 .15 .54 0 1

>26 6 .33 .516 .211 -.21 .88 0 1

Total 370 .27 .445 .023 .22 .32 0 1



Topik yang disukai (Budgeting) 5.260 3 366 .001

Topik yang disukai (Tabungan) 46.150 3 366 .000


Topik yang disukai (Pajak) 11.038 3 366 .000

Topik yang disukai (Kartu kredit) .797 3 366 .496

Topik yang disukai (Asuransi) 2.483 3 366 .061


216




Instrumen keuangan yang dimiliki (Deposito) 3.960 3 366 .008




Topik yang diketahui didalam lingkungan keluarga (Investasi) 5.326 3 366 .001




Topik yang diketahui didalam lingkungan keluarga (Kartu kredit) 13.091 3 366 .000




Sumber peningkatan pengetahuan keuangan (Teman) 6.634 3 366 .000

Sumber peningkatan pengetahuan keuangan (Lembaga Pendidikan) 28.498 3 366 .000

Sumber peningkatan pengetahuan keuangan (Buku) .835 3 366 .475

Sumber peningkatan pengetahuan keuangan (Internet) .366 3 366 .777


ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .392 3 .131 .754 .520


Total 63.827 369


Between Groups 1.071 3 .357 1.429 .234


Total 92.497 369


Between Groups 1.096 3 .365 1.486 .218


Total 91.070 369


Between Groups .714 3 .238 2.439 .064


Total 36.457 369


Between Groups .031 3 .010 .183 .908


Total 20.692 369

217


Between Groups .811 3 .270 2.294 .078


Total 43.970 369


Between Groups .127 3 .042 .752 .522


Total 20.692 369


Between Groups .222 3 .074 3.561 .014


Total 7.827 369


Between Groups .393 3 .131 2.364 .071


Total 20.692 369


Between Groups .057 3 .019 1.017 .385


Total 6.868 369


Between Groups .244 3 .081 .922 .430


Total 32.497 369

Instrumen keuangan yang dimiliki (Reksadana)

Between Groups .010 3 .003 .429 .732


Total 2.976 369


Between Groups .143 3 .048 2.602 .052


Total 6.868 369

Topik yang diketahui didalam lingkungan keluarga

(Anggaran)

Between Groups 1.271 3 .424 1.854 .137


Total 84.908 369


(Investasi)

Between Groups .866 3 .289 1.266 .286


Total 84.324 369


(Pajak)

Between Groups .395 3 .132 .746 .525


Total 64.930 369


(Kredit)

Between Groups .736 3 .245 1.812 .145


Total 50.270 369


(Asuransi)

Between Groups .821 3 .274 1.180 .317


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga Between Groups 1.584 3 .528 3.319 .020

218

(Kartu kredit) Within Groups 58.213 366 .159

Total 59.797 369


(Tabungan)

Between Groups .118 3 .039 .341 .796


Total 42.511 369


(Lain-lain)

Between Groups .023 3 .008 .708 .548


Total 3.957 369


Between Groups 1.707 3 .569 3.238 .022


Total 66.011 369


Between Groups .294 3 .098 .389 .761


Total 92.432 369

Sumber peningkatan pengetahuan keuangan (Lembaga

Pendidikan)

Between Groups 1.675 3 .558 2.646 .049


Total 78.876 369


Between Groups .370 3 .123 .622 .601


Total 72.973 369


Between Groups .354 3 .118 .475 .700


Total 91.192 369


(Pengalaman Kerja)

Between Groups 1.470 3 .490 2.508 .059


Total 72.973 369

LAMPIRAN 5ONE-WAY ANOVA BERDASARKAN PENDPAPATAN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


<500.000 107 .23 .425 .041 .15 .32 0 1

500.100-1000.000 113 .26 .439 .041 .17 .34 0 1

1000.100-1.500.000 93 .20 .405 .042 .12 .29 0 1

1.500.100-2000.000 39 .21 .409 .066 .07 .34 0 1

>2000.100 18 .06 .236 .056 -.06 .17 0 1

219

Total 370 .22 .416 .022 .18 .26 0 1


<500.000 107 .54 .501 .048 .45 .64 0 1

500.100-1000.000 113 .50 .502 .047 .41 .60 0 1

1000.100-1.500.000 93 .48 .502 .052 .38 .59 0 1

1.500.100-2000.000 39 .49 .506 .081 .32 .65 0 1

>2000.100 18 .39 .502 .118 .14 .64 0 1

Total 370 .50 .501 .026 .45 .55 0 1


<500.000 107 .55 .500 .048 .46 .65 0 1

500.100-1000.000 113 .54 .501 .047 .45 .63 0 1

1000.100-1.500.000 93 .55 .500 .052 .45 .65 0 1

1.500.100-2000.000 39 .62 .493 .079 .46 .78 0 1

>2000.100 18 .72 .461 .109 .49 .95 0 1

Total 370 .56 .497 .026 .51 .61 0 1


<500.000 107 .09 .292 .028 .04 .15 0 1

500.100-1000.000 113 .13 .341 .032 .07 .20 0 1

1000.100-1.500.000 93 .11 .311 .032 .04 .17 0 1

1.500.100-2000.000 39 .10 .307 .049 .00 .20 0 1

>2000.100 18 .11 .323 .076 -.05 .27 0 1

Total 370 .11 .314 .016 .08 .14 0 1


<500.000 107 .04 .191 .018 .00 .07 0 1

500.100-1000.000 113 .04 .207 .019 .01 .08 0 1

1000.100-1.500.000 93 .09 .282 .029 .03 .14 0 1

1.500.100-2000.000 39 .10 .307 .049 .00 .20 0 1

>2000.100 18 .06 .236 .056 -.06 .17 0 1

Total 370 .06 .237 .012 .04 .08 0 1


<500.000 107 .13 .339 .033 .07 .20 0 1

500.100-1000.000 113 .11 .309 .029 .05 .16 0 1

1000.100-1.500.000 93 .15 .360 .037 .08 .22 0 1

1.500.100-2000.000 39 .18 .389 .062 .05 .31 0 1

>2000.100 18 .22 .428 .101 .01 .43 0 1

Total 370 .14 .345 .018 .10 .17 0 1


<500.000 107 .08 .279 .027 .03 .14 0 1

500.100-1000.000 113 .07 .258 .024 .02 .12 0 1

1000.100-1.500.000 93 .02 .146 .015 -.01 .05 0 1

1.500.100-2000.000 39 .08 .270 .043 -.01 .16 0 1

>2000.100 18 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

<500.000 107 .99 .097 .009 .97 1.01 0 1

500.100-1000.000 113 .98 .132 .012 .96 1.01 0 1

1000.100-1.500.000 93 .99 .104 .011 .97 1.01 0 1

220

1.500.100-2000.000 39 .97 .160 .026 .92 1.03 0 1

>2000.100 18 .83 .383 .090 .64 1.02 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

<500.000 107 .06 .231 .022 .01 .10 0 1

500.100-1000.000 113 .04 .186 .017 .00 .07 0 1

1000.100-1.500.000 93 .06 .247 .026 .01 .12 0 1

1.500.100-2000.000 39 .10 .307 .049 .00 .20 0 1

>2000.100 18 .11 .323 .076 -.05 .27 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

<500.000 107 .02 .136 .013 -.01 .04 0 1

500.100-1000.000 113 .01 .094 .009 -.01 .03 0 1

1000.100-1.500.000 93 .02 .146 .015 -.01 .05 0 1

1.500.100-2000.000 39 .00 .000 .000 .00 .00 0 0

>2000.100 18 .11 .323 .076 -.05 .27 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

<500.000 107 .10 .305 .029 .04 .16 0 1

500.100-1000.000 113 .10 .298 .028 .04 .15 0 1

1000.100-1.500.000 93 .05 .227 .024 .01 .10 0 1

1.500.100-2000.000 39 .05 .223 .036 -.02 .12 0 1

>2000.100 18 .39 .502 .118 .14 .64 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

<500.000 107 .01 .097 .009 -.01 .03 0 1

500.100-1000.000 113 .00 .000 .000 .00 .00 0 0

1000.100-1.500.000 93 .01 .104 .011 -.01 .03 0 1

1.500.100-2000.000 39 .00 .000 .000 .00 .00 0 0

>2000.100 18 .06 .236 .056 -.06 .17 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

<500.000 107 .00 .000 .000 .00 .00 0 0

500.100-1000.000 113 .03 .161 .015 .00 .06 0 1

1000.100-1.500.000 93 .02 .146 .015 -.01 .05 0 1

1.500.100-2000.000 39 .03 .160 .026 -.03 .08 0 1

>2000.100 18 .06 .236 .056 -.06 .17 0 1

Total 370 .02 .136 .007 .00 .03 0 1


lingkungan keluarga (Anggaran)

<500.000 107 .36 .484 .047 .27 .46 0 1

500.100-1000.000 113 .35 .480 .045 .26 .44 0 1

1000.100-1.500.000 93 .31 .466 .048 .22 .41 0 1

1.500.100-2000.000 39 .41 .498 .080 .25 .57 0 1

>2000.100 18 .44 .511 .121 .19 .70 0 1

Total 370 .36 .480 .025 .31 .41 0 1

Topik yang diketahui didalam <500.000 107 .29 .456 .044 .20 .38 0 1

221

lingkungan keluarga (Investasi) 500.100-1000.000 113 .36 .483 .045 .27 .45 0 1

1000.100-1.500.000 93 .34 .478 .050 .25 .44 0 1

1.500.100-2000.000 39 .41 .498 .080 .25 .57 0 1

>2000.100 18 .56 .511 .121 .30 .81 0 1

Total 370 .35 .478 .025 .30 .40 0 1



<500.000 107 .29 .456 .044 .20 .38 0 1

500.100-1000.000 113 .19 .391 .037 .11 .26 0 1

1000.100-1.500.000 93 .22 .413 .043 .13 .30 0 1

1.500.100-2000.000 39 .23 .427 .068 .09 .37 0 1

>2000.100 18 .17 .383 .090 -.02 .36 0 1

Total 370 .23 .419 .022 .18 .27 0 1



<500.000 107 .17 .376 .036 .10 .24 0 1

500.100-1000.000 113 .13 .341 .032 .07 .20 0 1

1000.100-1.500.000 93 .16 .370 .038 .09 .24 0 1

1.500.100-2000.000 39 .26 .442 .071 .11 .40 0 1

>2000.100 18 .11 .323 .076 -.05 .27 0 1

Total 370 .16 .369 .019 .12 .20 0 1



<500.000 107 .33 .471 .046 .24 .42 0 1

500.100-1000.000 113 .34 .475 .045 .25 .42 0 1

1000.100-1.500.000 93 .45 .500 .052 .35 .55 0 1

1.500.100-2000.000 39 .41 .498 .080 .25 .57 0 1

>2000.100 18 .22 .428 .101 .01 .43 0 1

Total 370 .36 .482 .025 .32 .41 0 1



<500.000 107 .19 .392 .038 .11 .26 0 1

500.100-1000.000 113 .18 .383 .036 .11 .25 0 1

1000.100-1.500.000 93 .25 .434 .045 .16 .34 0 1

1.500.100-2000.000 39 .26 .442 .071 .11 .40 0 1

>2000.100 18 .11 .323 .076 -.05 .27 0 1

Total 370 .20 .403 .021 .16 .24 0 1



<500.000 107 .89 .317 .031 .83 .95 0 1

500.100-1000.000 113 .89 .309 .029 .84 .95 0 1

1000.100-1.500.000 93 .84 .370 .038 .76 .91 0 1

1.500.100-2000.000 39 .85 .366 .059 .73 .96 0 1

>2000.100 18 .78 .428 .101 .57 .99 0 1

Total 370 .87 .339 .018 .83 .90 0 1



<500.000 107 .04 .191 .018 .00 .07 0 1

500.100-1000.000 113 .00 .000 .000 .00 .00 0 0

1000.100-1.500.000 93 .00 .000 .000 .00 .00 0 0

1.500.100-2000.000 39 .00 .000 .000 .00 .00 0 0

>2000.100 18 .00 .000 .000 .00 .00 0 0

222

Total 370 .01 .104 .005 .00 .02 0 1


keuangan (Orang tua)

<500.000 107 .81 .392 .038 .74 .89 0 1

500.100-1000.000 113 .77 .423 .040 .69 .85 0 1

1000.100-1.500.000 93 .74 .440 .046 .65 .83 0 1

1.500.100-2000.000 39 .74 .442 .071 .60 .89 0 1

>2000.100 18 .67 .485 .114 .43 .91 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

<500.000 107 .50 .502 .049 .41 .60 0 1

500.100-1000.000 113 .51 .502 .047 .42 .61 0 1

1000.100-1.500.000 93 .47 .502 .052 .37 .58 0 1

1.500.100-2000.000 39 .54 .505 .081 .37 .70 0 1

>2000.100 18 .17 .383 .090 -.02 .36 0 1

Total 370 .49 .500 .026 .44 .54 0 1



<500.000 107 .34 .475 .046 .25 .43 0 1

500.100-1000.000 113 .29 .457 .043 .21 .38 0 1

1000.100-1.500.000 93 .32 .470 .049 .23 .42 0 1

1.500.100-2000.000 39 .31 .468 .075 .16 .46 0 1

>2000.100 18 .17 .383 .090 -.02 .36 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

<500.000 107 .30 .460 .044 .21 .39 0 1

500.100-1000.000 113 .30 .461 .043 .22 .39 0 1

1000.100-1.500.000 93 .18 .389 .040 .10 .26 0 1

1.500.100-2000.000 39 .28 .456 .073 .13 .43 0 1

>2000.100 18 .33 .485 .114 .09 .57 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

<500.000 107 .49 .502 .049 .39 .58 0 1

500.100-1000.000 113 .40 .492 .046 .31 .49 0 1

1000.100-1.500.000 93 .40 .492 .051 .30 .50 0 1

1.500.100-2000.000 39 .56 .502 .080 .40 .73 0 1

>2000.100 18 .39 .502 .118 .14 .64 0 1

Total 370 .44 .497 .026 .39 .49 0 1



<500.000 107 .30 .460 .044 .21 .39 0 1

500.100-1000.000 113 .25 .434 .041 .17 .33 0 1

1000.100-1.500.000 93 .28 .451 .047 .19 .37 0 1

1.500.100-2000.000 39 .18 .389 .062 .05 .31 0 1

>2000.100 18 .39 .502 .118 .14 .64 0 1

Total 370 .27 .445 .023 .22 .32 0 1

223






























ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .689 4 .172 .996 .410


Total 63.827 369

Topik yang disukai (Tabungan) Between Groups .442 4 .110 .438 .781

224


Total 92.497 369


Between Groups .658 4 .165 .664 .617


Total 91.070 369


Between Groups .090 4 .023 .226 .924


Total 36.457 369


Between Groups .217 4 .054 .966 .426


Total 20.692 369


Between Groups .329 4 .082 .688 .600


Total 43.970 369


Between Groups .289 4 .072 1.293 .272


Total 20.692 369


Between Groups .408 4 .102 5.020 .001


Total 7.827 369


Between Groups .190 4 .047 .843 .498


Total 20.692 369


Between Groups .179 4 .045 2.443 .046


Total 6.868 369


Between Groups 1.793 4 .448 5.327 .000


Total 32.497 369


Between Groups .051 4 .013 1.602 .173


Total 2.976 369


Between Groups .071 4 .018 .959 .430


Total 6.868 369


Between Groups .445 4 .111 .481 .750


Total 84.908 369

Topik yang diketahui didalam lingkungan keluarga (Investasi)Between Groups 1.312 4 .328 1.442 .219


225

Total 84.324 369


Between Groups .692 4 .173 .983 .417


Total 64.930 369


Between Groups .495 4 .124 .908 .459


Total 50.270 369


Between Groups 1.391 4 .348 1.505 .200


Total 85.743 369


Between Groups .550 4 .137 .847 .496


Total 59.797 369


Between Groups .362 4 .091 .784 .536


Total 42.511 369


Between Groups .106 4 .027 2.519 .041


Total 3.957 369


Between Groups .489 4 .122 .681 .605


Total 66.011 369


Between Groups 2.080 4 .520 2.100 .080


Total 92.432 369


Between Groups .495 4 .124 .576 .680


Total 78.876 369


Between Groups .983 4 .246 1.246 .291


Total 72.973 369


Between Groups 1.236 4 .309 1.254 .288


Total 91.192 369


Between Groups .729 4 .182 .920 .452


Total 72.973 369

226

LAMPIRAN 6ONE-WAY ANOVA BERDASARKAN TEMPAT TINGGAL

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


Kos/kontrakan/apartemen 252 .22 .417 .026 .17 .27 0 1

Tinggal bersama orang tua 118 .22 .416 .038 .14 .30 0 1

Total 370 .22 .416 .022 .18 .26 0 1




Total 370 .50 .501 .026 .45 .55 0 1




Total 370 .56 .497 .026 .51 .61 0 1




Total 370 .11 .314 .016 .08 .14 0 1

Topik yang disukai (Kartu

kredit)



Total 370 .06 .237 .012 .04 .08 0 1




Total 370 .14 .345 .018 .10 .17 0 1




Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang

dimiliki (Tabungan)

Kos/kontrakan/apartemen 252 .98 .140 .009 .96 1.00 0 1

Tinggal bersama orang tua 118 .97 .158 .015 .95 1.00 0 1

Total 370 .98 .146 .008 .96 .99 0 1


dimiliki (Saham)



Total 370 .06 .237 .012 .04 .08 0 1


dimiliki (Obligasi)


Tinggal bersama orang tua 118 .01 .092 .008 -.01 .03 0 1

Total 370 .02 .136 .007 .00 .03 0 1


dimiliki (Deposito)



Total 370 .10 .297 .015 .07 .13 0 1

227


dimiliki (Reksadana)



Total 370 .01 .090 .005 .00 .02 0 1


dimiliki (Lain-lain)



Total 370 .02 .136 .007 .00 .03 0 1





Total 370 .36 .480 .025 .31 .41 0 1





Total 370 .35 .478 .025 .30 .40 0 1





Total 370 .23 .419 .022 .18 .27 0 1





Total 370 .16 .369 .019 .12 .20 0 1





Total 370 .36 .482 .025 .32 .41 0 1


lingkungan keluarga (Kartu

kredit)



Total 370 .20 .403 .021 .16 .24 0 1





Total 370 .87 .339 .018 .83 .90 0 1





Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan

pengetahuan keuangan (Orang

tua)



Total 370 .77 .423 .022 .72 .81 0 1

Sumber peningkatan

pengetahuan keuangan (Teman)



Total 370 .49 .500 .026 .44 .54 0 1

Sumber peningkatan

pengetahuan keuangan




Total 370 .31 .462 .024 .26 .36 0 1

Sumber peningkatan Kos/kontrakan/apartemen 252 .26 .438 .028 .20 .31 0 1

228

pengetahuan keuangan (Buku) Tinggal bersama orang tua 118 .30 .459 .042 .21 .38 0 1

Total 370 .27 .445 .023 .22 .32 0 1

Sumber peningkatan

pengetahuan keuangan (Internet)



Total 370 .44 .497 .026 .39 .49 0 1

Sumber peningkatan


(Pengalaman Kerja)



Total 370 .27 .445 .023 .22 .32 0 1





Topik yang disukai (Investasi) .093 1 368 .761



Topik yang disukai (Asuransi) .029 1 368 .864


Instrumen keuangan yang dimiliki (Tabungan) .470 1 368 .494

Instrumen keuangan yang dimiliki (Saham) .000 1 368 .988



Instrumen keuangan yang dimiliki (Reksadana) .012 1 368 .915


Topik yang diketahui didalam lingkungan keluarga (Anggaran) .002 1 368 .964



Topik yang diketahui didalam lingkungan keluarga (Kredit) .270 1 368 .604





Sumber peningkatan pengetahuan keuangan (Orang tua) .051 1 368 .822





Sumber peningkatan pengetahuan keuangan (Pengalaman Kerja) .302 1 368 .583

229

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .000 1 .000 .002 .968


Total 63.827 369


Between Groups .035 1 .035 .140 .709


Total 92.497 369


Between Groups .006 1 .006 .022 .882


Total 91.070 369


Between Groups .014 1 .014 .145 .703


Total 36.457 369


Between Groups .051 1 .051 .902 .343


Total 20.692 369


Between Groups .001 1 .001 .007 .932


Total 43.970 369


Between Groups .051 1 .051 .902 .343


Total 20.692 369


Between Groups .003 1 .003 .118 .732


Total 7.827 369


Between Groups .000 1 .000 .000 .994


Total 20.692 369


Between Groups .019 1 .019 1.016 .314


Total 6.868 369


Between Groups .903 1 .90310.51

8.001


Total 32.497 369

Instrumen keuangan yang dimiliki (Reksadana) Between Groups .000 1 .000 .003 .957

230


Total 2.976 369


Between Groups .039 1 .039 2.095 .149


Total 6.868 369


Between Groups .000 1 .000 .001 .982


Total 84.908 369


Between Groups .257 1 .257 1.123 .290


Total 84.324 369


Between Groups 1.056 1 1.056 6.082 .014


Total 64.930 369


Between Groups .009 1 .009 .068 .794


Total 50.270 369


Between Groups .194 1 .194 .833 .362


Total 85.743 369


Between Groups .000 1 .000 .001 .982


Total 59.797 369


Between Groups .086 1 .086 .745 .389


Total 42.511 369


Between Groups .007 1 .007 .608 .436


Total 3.957 369


Between Groups .002 1 .002 .013 .911


Total 66.011 369


Between Groups .084 1 .084 .334 .564


Total 92.432 369


Between Groups .005 1 .005 .024 .877


Total 78.876 369

Sumber peningkatan pengetahuan keuangan (Buku)Between Groups .120 1 .120 .607 .436


231

Total 72.973 369


Between Groups .111 1 .111 .448 .504


Total 91.192 369


Between Groups .015 1 .015 .077 .781


Total 72.973 369

LAMPIRAN 7ONE-WAY ANOVA BERDASARKAN PROGRAM STUDI

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


Manajemen 51 .18 .385 .054 .07 .28 0 1

Akuntansi 62 .26 .441 .056 .15 .37 0 1

Ilmu ekonomi 6 .33 .516 .211 -.21 .88 0 1

Teknobiologi 12 .17 .389 .112 -.08 .41 0 1

Hukum 49 .12 .331 .047 .03 .22 0 1

Arsitek 37 .30 .463 .076 .14 .45 0 1

Teknik Sipil 35 .06 .236 .040 -.02 .14 0 1

Teknik Informatika 30 .17 .379 .069 .03 .31 0 1

Teknik Industri 27 .33 .480 .092 .14 .52 0 1

Komunikasi 55 .33 .474 .064 .20 .46 0 1

Sosiologi 6 .33 .516 .211 -.21 .88 0 1

Total 370 .22 .416 .022 .18 .26 0 1


Manajemen 51 .49 .505 .071 .35 .63 0 1

Akuntansi 62 .40 .495 .063 .28 .53 0 1

Ilmu ekonomi 6 .50 .548 .224 -.07 1.07 0 1

Teknobiologi 12 .58 .515 .149 .26 .91 0 1

Hukum 49 .43 .500 .071 .28 .57 0 1

Arsitek 37 .70 .463 .076 .55 .86 0 1

Teknik Sipil 35 .60 .497 .084 .43 .77 0 1


Teknik Industri 27 .48 .509 .098 .28 .68 0 1

Komunikasi 55 .55 .503 .068 .41 .68 0 1

Sosiologi 6 .83 .408 .167 .40 1.26 0 1

Total 370 .50 .501 .026 .45 .55 0 1

232


Manajemen 51 .71 .460 .064 .58 .84 0 1

Akuntansi 62 .44 .500 .063 .31 .56 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .92 .289 .083 .73 1.10 0 1

Hukum 49 .57 .500 .071 .43 .72 0 1

Arsitek 37 .57 .502 .083 .40 .74 0 1

Teknik Sipil 35 .60 .497 .084 .43 .77 0 1


Teknik Industri 27 .52 .509 .098 .32 .72 0 1

Komunikasi 55 .49 .505 .068 .35 .63 0 1

Sosiologi 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .56 .497 .026 .51 .61 0 1


Manajemen 51 .04 .196 .027 -.02 .09 0 1

Akuntansi 62 .39 .491 .062 .26 .51 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .12 .331 .047 .03 .22 0 1

Arsitek 37 .03 .164 .027 -.03 .08 0 1

Teknik Sipil 35 .03 .169 .029 -.03 .09 0 1

Teknik Informatika 30 .10 .305 .056 -.01 .21 0 1

Teknik Industri 27 .04 .192 .037 -.04 .11 0 1

Komunikasi 55 .04 .189 .025 -.01 .09 0 1

Sosiologi 6 .17 .408 .167 -.26 .60 0 1

Total 370 .11 .314 .016 .08 .14 0 1


Manajemen 51 .14 .348 .049 .04 .24 0 1

Akuntansi 62 .03 .178 .023 -.01 .08 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .06 .242 .035 -.01 .13 0 1

Arsitek 37 .00 .000 .000 .00 .00 0 0

Teknik Sipil 35 .03 .169 .029 -.03 .09 0 1


Teknik Industri 27 .15 .362 .070 .00 .29 0 1

Komunikasi 55 .05 .229 .031 -.01 .12 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


Manajemen 51 .12 .325 .046 .03 .21 0 1

Akuntansi 62 .15 .355 .045 .05 .24 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

233

Hukum 49 .27 .446 .064 .14 .39 0 1

Arsitek 37 .08 .277 .045 -.01 .17 0 1

Teknik Sipil 35 .14 .355 .060 .02 .26 0 1


Teknik Industri 27 .15 .362 .070 .00 .29 0 1

Komunikasi 55 .16 .373 .050 .06 .26 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .14 .345 .018 .10 .17 0 1


Manajemen 51 .02 .140 .020 -.02 .06 0 1

Akuntansi 62 .03 .178 .023 -.01 .08 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .08 .277 .040 .00 .16 0 1

Arsitek 37 .08 .277 .045 -.01 .17 0 1

Teknik Sipil 35 .06 .236 .040 -.02 .14 0 1


Teknik Industri 27 .04 .192 .037 -.04 .11 0 1

Komunikasi 55 .07 .262 .035 .00 .14 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

Manajemen 51 .98 .140 .020 .94 1.02 0 1

Akuntansi 62 .98 .127 .016 .95 1.02 0 1

Ilmu ekonomi 6 1.00 .000 .000 1.00 1.00 1 1

Teknobiologi 12 .92 .289 .083 .73 1.10 0 1

Hukum 49 .96 .200 .029 .90 1.02 0 1

Arsitek 37 1.00 .000 .000 1.00 1.00 1 1

Teknik Sipil 35 .91 .284 .048 .82 1.01 0 1

Teknik Informatika 30 1.00 .000 .000 1.00 1.00 1 1

Teknik Industri 27 1.00 .000 .000 1.00 1.00 1 1

Komunikasi 55 1.00 .000 .000 1.00 1.00 1 1

Sosiologi 6 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

Manajemen 51 .10 .300 .042 .01 .18 0 1

Akuntansi 62 .02 .127 .016 -.02 .05 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .08 .289 .083 -.10 .27 0 1

Hukum 49 .10 .306 .044 .01 .19 0 1

Arsitek 37 .11 .315 .052 .00 .21 0 1

Teknik Sipil 35 .06 .236 .040 -.02 .14 0 1


234

Teknik Industri 27 .04 .192 .037 -.04 .11 0 1

Komunikasi 55 .05 .229 .031 -.01 .12 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

Manajemen 51 .00 .000 .000 .00 .00 0 0

Akuntansi 62 .00 .000 .000 .00 .00 0 0

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .02 .143 .020 -.02 .06 0 1

Arsitek 37 .00 .000 .000 .00 .00 0 0

Teknik Sipil 35 .03 .169 .029 -.03 .09 0 1


Teknik Industri 27 .04 .192 .037 -.04 .11 0 1

Komunikasi 55 .07 .262 .035 .00 .14 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

Manajemen 51 .06 .238 .033 -.01 .13 0 1

Akuntansi 62 .06 .248 .031 .00 .13 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .08 .289 .083 -.10 .27 0 1

Hukum 49 .14 .354 .051 .04 .24 0 1

Arsitek 37 .08 .277 .045 -.01 .17 0 1

Teknik Sipil 35 .14 .355 .060 .02 .26 0 1


Teknik Industri 27 .04 .192 .037 -.04 .11 0 1

Komunikasi 55 .15 .356 .048 .05 .24 0 1

Sosiologi 6 .17 .408 .167 -.26 .60 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

Manajemen 51 .00 .000 .000 .00 .00 0 0

Akuntansi 62 .00 .000 .000 .00 .00 0 0

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .02 .143 .020 -.02 .06 0 1

Arsitek 37 .00 .000 .000 .00 .00 0 0

Teknik Sipil 35 .00 .000 .000 .00 .00 0 0


Teknik Industri 27 .00 .000 .000 .00 .00 0 0

Komunikasi 55 .04 .189 .025 -.01 .09 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1

235


(Lain-lain)

Manajemen 51 .06 .238 .033 -.01 .13 0 1

Akuntansi 62 .03 .178 .023 -.01 .08 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .00 .000 .000 .00 .00 0 0

Hukum 49 .02 .143 .020 -.02 .06 0 1

Arsitek 37 .00 .000 .000 .00 .00 0 0

Teknik Sipil 35 .00 .000 .000 .00 .00 0 0


Teknik Industri 27 .00 .000 .000 .00 .00 0 0

Komunikasi 55 .02 .135 .018 -.02 .05 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1



Manajemen 51 .29 .460 .064 .16 .42 0 1

Akuntansi 62 .48 .504 .064 .36 .61 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .42 .515 .149 .09 .74 0 1

Hukum 49 .24 .434 .062 .12 .37 0 1

Arsitek 37 .35 .484 .080 .19 .51 0 1

Teknik Sipil 35 .31 .471 .080 .15 .48 0 1


Teknik Industri 27 .33 .480 .092 .14 .52 0 1

Komunikasi 55 .44 .501 .067 .30 .57 0 1

Sosiologi 6 .17 .408 .167 -.26 .60 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Manajemen 51 .37 .488 .068 .24 .51 0 1

Akuntansi 62 .42 .497 .063 .29 .55 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .33 .492 .142 .02 .65 0 1

Hukum 49 .29 .456 .065 .15 .42 0 1

Arsitek 37 .27 .450 .074 .12 .42 0 1

Teknik Sipil 35 .43 .502 .085 .26 .60 0 1


Teknik Industri 27 .26 .447 .086 .08 .44 0 1

Komunikasi 55 .38 .490 .066 .25 .51 0 1

Sosiologi 6 .33 .516 .211 -.21 .88 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Manajemen 51 .14 .348 .049 .04 .24 0 1

Akuntansi 62 .29 .458 .058 .17 .41 0 1

Ilmu ekonomi 6 .33 .516 .211 -.21 .88 0 1

Teknobiologi 12 .17 .389 .112 -.08 .41 0 1

236

Hukum 49 .22 .422 .060 .10 .35 0 1

Arsitek 37 .24 .435 .072 .10 .39 0 1

Teknik Sipil 35 .14 .355 .060 .02 .26 0 1


Teknik Industri 27 .22 .424 .082 .05 .39 0 1

Komunikasi 55 .27 .449 .061 .15 .39 0 1

Sosiologi 6 .17 .408 .167 -.26 .60 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Manajemen 51 .16 .367 .051 .05 .26 0 1

Akuntansi 62 .27 .450 .057 .16 .39 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .08 .289 .083 -.10 .27 0 1

Hukum 49 .12 .331 .047 .03 .22 0 1

Arsitek 37 .19 .397 .065 .06 .32 0 1

Teknik Sipil 35 .06 .236 .040 -.02 .14 0 1


Teknik Industri 27 .19 .396 .076 .03 .34 0 1

Komunikasi 55 .18 .389 .052 .08 .29 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .16 .369 .019 .12 .20 0 1



Manajemen 51 .41 .497 .070 .27 .55 0 1

Akuntansi 62 .39 .491 .062 .26 .51 0 1

Ilmu ekonomi 6 .50 .548 .224 -.07 1.07 0 1

Teknobiologi 12 .17 .389 .112 -.08 .41 0 1

Hukum 49 .31 .466 .067 .17 .44 0 1

Arsitek 37 .35 .484 .080 .19 .51 0 1

Teknik Sipil 35 .26 .443 .075 .10 .41 0 1


Teknik Industri 27 .48 .509 .098 .28 .68 0 1

Komunikasi 55 .42 .498 .067 .28 .55 0 1

Sosiologi 6 .67 .516 .211 .12 1.21 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Manajemen 51 .22 .415 .058 .10 .33 0 1

Akuntansi 62 .37 .487 .062 .25 .49 0 1

Ilmu ekonomi 6 .17 .408 .167 -.26 .60 0 1

Teknobiologi 12 .17 .389 .112 -.08 .41 0 1

Hukum 49 .12 .331 .047 .03 .22 0 1

Arsitek 37 .22 .417 .069 .08 .36 0 1

Teknik Sipil 35 .11 .323 .055 .00 .23 0 1


237

Teknik Industri 27 .19 .396 .076 .03 .34 0 1

Komunikasi 55 .20 .404 .054 .09 .31 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .20 .403 .021 .16 .24 0 1



Manajemen 51 .94 .238 .033 .87 1.01 0 1

Akuntansi 62 .84 .371 .047 .74 .93 0 1

Ilmu ekonomi 6 1.00 .000 .000 1.00 1.00 1 1

Teknobiologi 12 1.00 .000 .000 1.00 1.00 1 1

Hukum 49 .84 .373 .053 .73 .94 0 1

Arsitek 37 .89 .315 .052 .79 1.00 0 1

Teknik Sipil 35 .63 .490 .083 .46 .80 0 1

Teknik Informatika 30 .87 .346 .063 .74 1.00 0 1

Teknik Industri 27 .93 .267 .051 .82 1.03 0 1

Komunikasi 55 .91 .290 .039 .83 .99 0 1

Sosiologi 6 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1



Manajemen 51 .00 .000 .000 .00 .00 0 0

Akuntansi 62 .02 .127 .016 -.02 .05 0 1

Ilmu ekonomi 6 .00 .000 .000 .00 .00 0 0

Teknobiologi 12 .08 .289 .083 -.10 .27 0 1

Hukum 49 .00 .000 .000 .00 .00 0 0

Arsitek 37 .03 .164 .027 -.03 .08 0 1

Teknik Sipil 35 .00 .000 .000 .00 .00 0 0


Teknik Industri 27 .00 .000 .000 .00 .00 0 0

Komunikasi 55 .02 .135 .018 -.02 .05 0 1

Sosiologi 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



Manajemen 51 .78 .415 .058 .67 .90 0 1

Akuntansi 62 .76 .432 .055 .65 .87 0 1

Ilmu ekonomi 6 .33 .516 .211 -.21 .88 0 1

Teknobiologi 12 1.00 .000 .000 1.00 1.00 1 1

Hukum 49 .78 .422 .060 .65 .90 0 1

Arsitek 37 .81 .397 .065 .68 .94 0 1

Teknik Sipil 35 .60 .497 .084 .43 .77 0 1

Teknik Informatika 30 .90 .305 .056 .79 1.01 0 1

Teknik Industri 27 .89 .320 .062 .76 1.02 0 1

Komunikasi 55 .73 .449 .061 .61 .85 0 1

Sosiologi 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .77 .423 .022 .72 .81 0 1

238


keuangan (Teman)

Manajemen 51 .55 .503 .070 .41 .69 0 1

Akuntansi 62 .40 .495 .063 .28 .53 0 1

Ilmu ekonomi 6 .67 .516 .211 .12 1.21 0 1

Teknobiologi 12 .75 .452 .131 .46 1.04 0 1

Hukum 49 .53 .504 .072 .39 .68 0 1

Arsitek 37 .57 .502 .083 .40 .74 0 1

Teknik Sipil 35 .31 .471 .080 .15 .48 0 1


Teknik Industri 27 .52 .509 .098 .32 .72 0 1

Komunikasi 55 .47 .504 .068 .34 .61 0 1

Sosiologi 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .49 .500 .026 .44 .54 0 1



Manajemen 51 .49 .505 .071 .35 .63 0 1

Akuntansi 62 .48 .504 .064 .36 .61 0 1

Ilmu ekonomi 6 .67 .516 .211 .12 1.21 0 1

Teknobiologi 12 .08 .289 .083 -.10 .27 0 1

Hukum 49 .12 .331 .047 .03 .22 0 1

Arsitek 37 .24 .435 .072 .10 .39 0 1

Teknik Sipil 35 .20 .406 .069 .06 .34 0 1


Teknik Industri 27 .22 .424 .082 .05 .39 0 1

Komunikasi 55 .31 .466 .063 .18 .44 0 1

Sosiologi 6 .33 .516 .211 -.21 .88 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Manajemen 51 .41 .497 .070 .27 .55 0 1

Akuntansi 62 .27 .450 .057 .16 .39 0 1

Ilmu ekonomi 6 .50 .548 .224 -.07 1.07 0 1

Teknobiologi 12 .25 .452 .131 -.04 .54 0 1

Hukum 49 .22 .422 .060 .10 .35 0 1

Arsitek 37 .14 .347 .057 .02 .25 0 1

Teknik Sipil 35 .23 .426 .072 .08 .37 0 1


Teknik Industri 27 .26 .447 .086 .08 .44 0 1

Komunikasi 55 .22 .417 .056 .11 .33 0 1

Sosiologi 6 .67 .516 .211 .12 1.21 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Manajemen 51 .53 .504 .071 .39 .67 0 1

Akuntansi 62 .47 .503 .064 .34 .60 0 1

Ilmu ekonomi 6 .67 .516 .211 .12 1.21 0 1

Teknobiologi 12 .33 .492 .142 .02 .65 0 1

239

Hukum 49 .45 .503 .072 .30 .59 0 1

Arsitek 37 .32 .475 .078 .17 .48 0 1

Teknik Sipil 35 .26 .443 .075 .10 .41 0 1


Teknik Industri 27 .48 .509 .098 .28 .68 0 1

Komunikasi 55 .36 .485 .065 .23 .49 0 1

Sosiologi 6 .83 .408 .167 .40 1.26 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Manajemen 51 .39 .493 .069 .25 .53 0 1

Akuntansi 62 .15 .355 .045 .05 .24 0 1

Ilmu ekonomi 6 .33 .516 .211 -.21 .88 0 1

Teknobiologi 12 .33 .492 .142 .02 .65 0 1

Hukum 49 .10 .306 .044 .01 .19 0 1

Arsitek 37 .27 .450 .074 .12 .42 0 1

Teknik Sipil 35 .26 .443 .075 .10 .41 0 1


Teknik Industri 27 .37 .492 .095 .18 .57 0 1

Komunikasi 55 .31 .466 .063 .18 .44 0 1

Sosiologi 6 .33 .516 .211 -.21 .88 0 1

Total 370 .27 .445 .023 .22 .32 0 1


Levene

Statistic

df1 df2 Sig.















240














ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 3.054 10 .305 1.804 .058


Total 63.827 369


Between Groups 4.409 10 .441 1.797 .060


Total 92.497 369


Between Groups 5.056 10 .506 2.110 .023


Total 91.070 369


Between Groups 6.192 10 .619 7.345 .000


Total 36.457 369


Between Groups .819 10 .082 1.480 .145


Total 20.692 369


Between Groups 1.588 10 .159 1.345 .205


Total 43.970 369


Between Groups .488 10 .049 .867 .564


Total 20.692 369

Instrumen keuangan yang dimiliki (Tabungan) Between Groups .285 10 .028 1.356 .199

241


Total 7.827 369


Between Groups .539 10 .054 .960 .478


Total 20.692 369


Between Groups .244 10 .024 1.325 .215


Total 6.868 369


Between Groups .640 10 .064 .721 .704


Total 32.497 369


Between Groups .069 10 .007 .850 .581


Total 2.976 369


Between Groups .147 10 .015 .786 .642


Total 6.868 369


Between Groups 2.722 10 .272 1.189 .297


Total 84.908 369


Between Groups 1.470 10 .147 .637 .782


Total 84.324 369


Between Groups 1.213 10 .121 .684 .740


Total 64.930 369


Between Groups 1.654 10 .165 1.221 .276


Total 50.270 369


Between Groups 2.665 10 .267 1.152 .323


Total 85.743 369


Between Groups 2.783 10 .278 1.752 .068


Total 59.797 369


Between Groups 3.003 10 .300 2.729 .003


Total 42.511 369

Topik yang diketahui didalam lingkungan keluarga (Lain-lain)Between Groups .101 10 .010 .944 .492


242

Total 3.957 369


Between Groups 4.297 10 .430 2.500 .007


Total 66.011 369


Between Groups 3.158 10 .316 1.270 .246


Total 92.432 369


Pendidikan)

Between Groups 7.608 10 .761 3.833 .000


Total 78.876 369


Between Groups 3.305 10 .330 1.703 .078


Total 72.973 369


Between Groups 4.633 10 .463 1.921 .041


Total 91.192 369


Between Groups 4.075 10 .407 2.123 .022


Total 72.973 369

LAMPIRAN 8ONE-WAY ANOVA BERDASARKAN PEKERJAAN SAMPINGAN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


Tidak punya 269 .23 .422 .026 .18 .28 0 1

Punya, < 2 tahun 73 .19 .396 .046 .10 .28 0 1

Punya, 2-4 tahun 22 .23 .429 .091 .04 .42 0 1

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .22 .416 .022 .18 .26 0 1


Tidak punya 269 .52 .501 .031 .46 .58 0 1

Punya, < 2 tahun 73 .53 .502 .059 .42 .65 0 1

Punya, 2-4 tahun 22 .32 .477 .102 .11 .53 0 1

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .50 .501 .026 .45 .55 0 1


Tidak punya 269 .57 .496 .030 .51 .63 0 1

Punya, < 2 tahun 73 .55 .501 .059 .43 .66 0 1

Punya, 2-4 tahun 22 .50 .512 .109 .27 .73 0 1

243

Punya, > 4 tahun 6 .67 .516 .211 .12 1.21 0 1

Total 370 .56 .497 .026 .51 .61 0 1


Tidak punya 269 .13 .333 .020 .09 .17 0 1

Punya, < 2 tahun 73 .05 .229 .027 .00 .11 0 1

Punya, 2-4 tahun 22 .14 .351 .075 -.02 .29 0 1

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .11 .314 .016 .08 .14 0 1


Tidak punya 269 .06 .230 .014 .03 .08 0 1

Punya, < 2 tahun 73 .07 .254 .030 .01 .13 0 1

Punya, 2-4 tahun 22 .09 .294 .063 -.04 .22 0 1

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


Tidak punya 269 .14 .349 .021 .10 .18 0 1

Punya, < 2 tahun 73 .11 .315 .037 .04 .18 0 1

Punya, 2-4 tahun 22 .14 .351 .075 -.02 .29 0 1

Punya, > 4 tahun 6 .33 .516 .211 -.21 .88 0 1

Total 370 .14 .345 .018 .10 .17 0 1


Tidak punya 269 .04 .207 .013 .02 .07 0 1

Punya, < 2 tahun 73 .12 .331 .039 .05 .20 0 1

Punya, 2-4 tahun 22 .00 .000 .000 .00 .00 0 0

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

Tidak punya 269 .98 .135 .008 .97 1.00 0 1

Punya, < 2 tahun 73 1.00 .000 .000 1.00 1.00 1 1

Punya, 2-4 tahun 22 .86 .351 .075 .71 1.02 0 1

Punya, > 4 tahun 6 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

Tidak punya 269 .05 .223 .014 .03 .08 0 1

Punya, < 2 tahun 73 .05 .229 .027 .00 .11 0 1

Punya, 2-4 tahun 22 .14 .351 .075 -.02 .29 0 1

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

Tidak punya 269 .02 .135 .008 .00 .03 0 1

Punya, < 2 tahun 73 .01 .117 .014 -.01 .04 0 1

Punya, 2-4 tahun 22 .05 .213 .045 -.05 .14 0 1

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

Tidak punya 269 .08 .269 .016 .05 .11 0 1

Punya, < 2 tahun 73 .15 .360 .042 .07 .23 0 1

Punya, 2-4 tahun 22 .09 .294 .063 -.04 .22 0 1

244

Punya, > 4 tahun 6 .33 .516 .211 -.21 .88 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

Tidak punya 269 .01 .105 .006 .00 .02 0 1

Punya, < 2 tahun 73 .00 .000 .000 .00 .00 0 0

Punya, 2-4 tahun 22 .00 .000 .000 .00 .00 0 0

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

Tidak punya 269 .02 .135 .008 .00 .03 0 1

Punya, < 2 tahun 73 .03 .164 .019 -.01 .07 0 1

Punya, 2-4 tahun 22 .00 .000 .000 .00 .00 0 0

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1



Tidak punya 269 .35 .478 .029 .29 .41 0 1

Punya, < 2 tahun 73 .34 .478 .056 .23 .45 0 1

Punya, 2-4 tahun 22 .45 .510 .109 .23 .68 0 1

Punya, > 4 tahun 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Tidak punya 269 .38 .485 .030 .32 .43 0 1

Punya, < 2 tahun 73 .30 .462 .054 .19 .41 0 1

Punya, 2-4 tahun 22 .27 .456 .097 .07 .47 0 1

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Tidak punya 269 .23 .422 .026 .18 .28 0 1

Punya, < 2 tahun 73 .23 .426 .050 .13 .33 0 1

Punya, 2-4 tahun 22 .14 .351 .075 -.02 .29 0 1

Punya, > 4 tahun 6 .33 .516 .211 -.21 .88 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Tidak punya 269 .16 .364 .022 .11 .20 0 1

Punya, < 2 tahun 73 .19 .396 .046 .10 .28 0 1

Punya, 2-4 tahun 22 .09 .294 .063 -.04 .22 0 1

Punya, > 4 tahun 6 .33 .516 .211 -.21 .88 0 1

Total 370 .16 .369 .019 .12 .20 0 1



Tidak punya 269 .38 .485 .030 .32 .43 0 1

Punya, < 2 tahun 73 .40 .493 .058 .28 .51 0 1

Punya, 2-4 tahun 22 .18 .395 .084 .01 .36 0 1

Punya, > 4 tahun 6 .17 .408 .167 -.26 .60 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Tidak punya 269 .22 .412 .025 .17 .27 0 1

Punya, < 2 tahun 73 .16 .373 .044 .08 .25 0 1

Punya, 2-4 tahun 22 .23 .429 .091 .04 .42 0 1

245

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .20 .403 .021 .16 .24 0 1



Tidak punya 269 .88 .329 .020 .84 .92 0 1

Punya, < 2 tahun 73 .86 .346 .041 .78 .94 0 1

Punya, 2-4 tahun 22 .73 .456 .097 .53 .93 0 1

Punya, > 4 tahun 6 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1



Tidak punya 269 .01 .105 .006 .00 .02 0 1

Punya, < 2 tahun 73 .01 .117 .014 -.01 .04 0 1

Punya, 2-4 tahun 22 .00 .000 .000 .00 .00 0 0

Punya, > 4 tahun 6 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



Tidak punya 269 .79 .409 .025 .74 .84 0 1

Punya, < 2 tahun 73 .74 .442 .052 .64 .84 0 1

Punya, 2-4 tahun 22 .59 .503 .107 .37 .81 0 1

Punya, > 4 tahun 6 .83 .408 .167 .40 1.26 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Tidak punya 269 .47 .500 .030 .41 .53 0 1

Punya, < 2 tahun 73 .55 .501 .059 .43 .66 0 1

Punya, 2-4 tahun 22 .41 .503 .107 .19 .63 0 1

Punya, > 4 tahun 6 .67 .516 .211 .12 1.21 0 1

Total 370 .49 .500 .026 .44 .54 0 1



Tidak punya 269 .30 .458 .028 .24 .35 0 1

Punya, < 2 tahun 73 .33 .473 .055 .22 .44 0 1

Punya, 2-4 tahun 22 .36 .492 .105 .15 .58 0 1

Punya, > 4 tahun 6 .33 .516 .211 -.21 .88 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Tidak punya 269 .26 .438 .027 .20 .31 0 1

Punya, < 2 tahun 73 .27 .449 .053 .17 .38 0 1

Punya, 2-4 tahun 22 .36 .492 .105 .15 .58 0 1

Punya, > 4 tahun 6 .50 .548 .224 -.07 1.07 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Tidak punya 269 .42 .494 .030 .36 .48 0 1

Punya, < 2 tahun 73 .49 .503 .059 .38 .61 0 1

Punya, 2-4 tahun 22 .45 .510 .109 .23 .68 0 1

Punya, > 4 tahun 6 .67 .516 .211 .12 1.21 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Tidak punya 269 .18 .387 .024 .14 .23 0 1

Punya, < 2 tahun 73 .47 .502 .059 .35 .58 0 1

246

Punya, 2-4 tahun 22 .59 .503 .107 .37 .81 0 1

Punya, > 4 tahun 6 .67 .516 .211 .12 1.21 0 1

Total 370 .27 .445 .023 .22 .32 0 1























Topik yang diketahui didalam lingkungan keluarga (Lain-lain) .494 3 366 .687







ANOVA

Sum of

Squares

df Mean

Square

F Sig.

Topik yang disukai (Budgeting) Between Groups .105 3 .035 .201 .896

247


Total 63.827 369


Between Groups 1.552 3 .517 2.082 .102


Total 92.497 369


Between Groups .177 3 .059 .238 .870


Total 91.070 369


Between Groups .382 3 .127 1.293 .276


Total 36.457 369


Between Groups .053 3 .018 .311 .817


Total 20.692 369


Between Groups .291 3 .097 .812 .488


Total 43.970 369


Between Groups .503 3 .168 3.042 .029


Total 20.692 369


Between Groups .329 3 .110 5.354 .001


Total 7.827 369


Between Groups .215 3 .072 1.284 .280


Total 20.692 369


Between Groups .020 3 .007 .350 .789


Total 6.868 369


Between Groups .643 3 .214 2.462 .062


Total 32.497 369


Between Groups .009 3 .003 .376 .771


Total 2.976 369


Between Groups .015 3 .005 .272 .845


Total 6.868 369

Topik yang diketahui didalam lingkungan keluarga (Anggaran) Between Groups .363 3 .121 .524 .666

248


Total 84.908 369


Between Groups .679 3 .226 .991 .397


Total 84.324 369


Between Groups .254 3 .085 .480 .697


Total 64.930 369


Between Groups .361 3 .120 .883 .450


Total 50.270 369


Between Groups 1.080 3 .360 1.556 .200


Total 85.743 369


Between Groups .412 3 .137 .846 .469


Total 59.797 369


Between Groups .565 3 .188 1.644 .179


Total 42.511 369


Between Groups .004 3 .001 .121 .948


Total 3.957 369


Between Groups .883 3 .294 1.653 .177


Total 66.011 369


Between Groups .658 3 .219 .874 .454


Total 92.432 369


Between Groups .134 3 .045 .207 .891


Total 78.876 369


Between Groups .560 3 .187 .944 .419


Total 72.973 369


Between Groups .626 3 .209 .843 .471


Total 91.192 369

Sumber peningkatan pengetahuan keuangan (Pengalaman Kerja) Between Groups 8.083 3 2.69415.19

6.000

249


Total 72.973 369

LAMPIRAN 9ONE-WAY ANOVA BERDASARKAN SUMBER BIAYA KULIAH

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .23 .423 .023 .19 .28 0 1

Saya sendiri dan orang tua 13 .15 .376 .104 -.07 .38 0 1

Saudara/Beasiswa 24 .17 .381 .078 .01 .33 0 1

Total 370 .22 .416 .022 .18 .26 0 1


Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .51 .501 .028 .46 .57 0 1

Saya sendiri dan orang tua 13 .46 .519 .144 .15 .78 0 1


Total 370 .50 .501 .026 .45 .55 0 1


Diri sendiri 5 .60 .548 .245 -.08 1.28 0 1

Orang tua 328 .55 .498 .027 .50 .61 0 1



Total 370 .56 .497 .026 .51 .61 0 1


Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .11 .313 .017 .08 .14 0 1


Saudara/Beasiswa 24 .13 .338 .069 -.02 .27 0 1

Total 370 .11 .314 .016 .08 .14 0 1


Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .06 .240 .013 .03 .09 0 1



Total 370 .06 .237 .012 .04 .08 0 1


Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .15 .354 .020 .11 .18 0 1



250

Total 370 .14 .345 .018 .10 .17 0 1


Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .06 .240 .013 .03 .09 0 1



Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

Diri sendiri 5 1.00 .000 .000 1.00 1.00 1 1

Orang tua 328 .98 .145 .008 .96 .99 0 1

Saya sendiri dan orang tua 13 .92 .277 .077 .76 1.09 0 1

Saudara/Beasiswa 24 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .06 .234 .013 .03 .08 0 1



Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .01 .110 .006 .00 .02 0 1



Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .09 .289 .016 .06 .12 0 1



Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .01 .078 .004 .00 .01 0 1



Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .02 .134 .007 .00 .03 0 1



Total 370 .02 .136 .007 .00 .03 0 1



Diri sendiri 5 .40 .548 .245 -.28 1.08 0 1

Orang tua 328 .36 .480 .026 .30 .41 0 1



251

Total 370 .36 .480 .025 .31 .41 0 1



Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .35 .478 .026 .30 .40 0 1



Total 370 .35 .478 .025 .30 .40 0 1



Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .24 .430 .024 .20 .29 0 1



Total 370 .23 .419 .022 .18 .27 0 1



Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .17 .379 .021 .13 .22 0 1



Total 370 .16 .369 .019 .12 .20 0 1



Diri sendiri 5 .40 .548 .245 -.28 1.08 0 1

Orang tua 328 .38 .486 .027 .33 .43 0 1



Total 370 .36 .482 .025 .32 .41 0 1



Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .21 .410 .023 .17 .26 0 1



Total 370 .20 .403 .021 .16 .24 0 1



Diri sendiri 5 1.00 .000 .000 1.00 1.00 1 1

Orang tua 328 .86 .348 .019 .82 .90 0 1

Saya sendiri dan orang tua 13 .85 .376 .104 .62 1.07 0 1

Saudara/Beasiswa 24 .96 .204 .042 .87 1.04 0 1

Total 370 .87 .339 .018 .83 .90 0 1



Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .01 .110 .006 .00 .02 0 1



Total 370 .01 .104 .005 .00 .02 0 1



Diri sendiri 5 .40 .548 .245 -.28 1.08 0 1

Orang tua 328 .78 .412 .023 .74 .83 0 1



252

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .49 .501 .028 .44 .55 0 1



Total 370 .49 .500 .026 .44 .54 0 1



Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .32 .466 .026 .27 .37 0 1



Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .25 .434 .024 .20 .30 0 1



Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Diri sendiri 5 .20 .447 .200 -.36 .76 0 1

Orang tua 328 .42 .495 .027 .37 .48 0 1



Total 370 .44 .497 .026 .39 .49 0 1



Diri sendiri 5 .00 .000 .000 .00 .00 0 0

Orang tua 328 .25 .434 .024 .20 .30 0 1



Total 370 .27 .445 .023 .22 .32 0 1







Topik yang disukai (Kartu kredit) .775 3 366 .509


Topik yang disukai (Lain-lain) .775 3 366 .509




253


















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .411 3 .137 .791 .500


Total 63.827 369


Between Groups .557 3 .186 .739 .529


Total 92.497 369


Between Groups .669 3 .223 .903 .440


Total 91.070 369


Between Groups .060 3 .020 .201 .896


Total 36.457 369


Between Groups .030 3 .010 .177 .912


Total 20.692 369


Between Groups .502 3 .167 1.410 .240


Total 43.970 369

254


Between Groups .030 3 .010 .177 .912


Total 20.692 369


Between Groups .053 3 .018 .837 .474


Total 7.827 369


Between Groups .142 3 .047 .842 .471


Total 20.692 369


Between Groups .235 3 .078 4.321 .005


Total 6.868 369


Between Groups .216 3 .072 .815 .486


Total 32.497 369


Between Groups .030 3 .010 1.223 .301


Total 2.976 369


Between Groups .177 3 .059 3.234 .022


Total 6.868 369


(Anggaran)

Between Groups .033 3 .011 .047 .987


Total 84.908 369


(Investasi)

Between Groups .242 3 .081 .351 .788


Total 84.324 369


Between Groups .886 3 .295 1.687 .169


Total 64.930 369


Between Groups .551 3 .184 1.351 .257


Total 50.270 369


(Asuransi)

Between Groups 1.011 3 .337 1.456 .226


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu

kredit)

Between Groups .419 3 .140 .861 .462


Total 59.797 369

Topik yang diketahui didalam lingkungan keluarga Between Groups .311 3 .104 .900 .441

255

(Tabungan) Within Groups 42.199 366 .115

Total 42.511 369


(Lain-lain)

Between Groups .006 3 .002 .171 .916


Total 3.957 369


Between Groups 1.144 3 .381 2.152 .093


Total 66.011 369


Between Groups 1.214 3 .405 1.623 .184


Total 92.432 369


Pendidikan)

Between Groups .324 3 .108 .503 .681


Total 78.876 369


Between Groups 1.484 3 .495 2.532 .057


Total 72.973 369


Between Groups 1.595 3 .532 2.172 .091


Total 91.192 369

Sumber peningkatan pengetahuan keuangan (Pengalaman

Kerja)

Between Groups 2.242 3 .747 3.867 .010


Total 72.973 369

LAMPIRAN 10ONE-WAY ANOVA BERDASARKAN TOPIK BUDGETING

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 288 .98 .131 .008 .97 1.00 0 1

dipilih 82 .96 .189 .021 .92 1.00 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 288 .04 .200 .012 .02 .06 0 1

dipilih 82 .12 .329 .036 .05 .19 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

tidak dipilih 288 .01 .117 .007 .00 .03 0 1

dipilih 82 .04 .189 .021 .00 .08 0 1

Total 370 .02 .136 .007 .00 .03 0 1

256


(Deposito)

tidak dipilih 288 .10 .297 .017 .06 .13 0 1

dipilih 82 .10 .299 .033 .03 .16 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 288 .00 .000 .000 .00 .00 0 0

dipilih 82 .04 .189 .021 .00 .08 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 288 .02 .131 .008 .00 .03 0 1

dipilih 82 .02 .155 .017 -.01 .06 0 1

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 288 .32 .466 .027 .26 .37 0 1

dipilih 82 .50 .503 .056 .39 .61 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 288 .34 .476 .028 .29 .40 0 1

dipilih 82 .38 .488 .054 .27 .49 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 288 .21 .407 .024 .16 .26 0 1

dipilih 82 .29 .458 .051 .19 .39 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 288 .16 .364 .021 .11 .20 0 1

dipilih 82 .18 .389 .043 .10 .27 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 288 .36 .480 .028 .30 .41 0 1

dipilih 82 .39 .491 .054 .28 .50 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 288 .22 .412 .024 .17 .26 0 1

dipilih 82 .16 .367 .041 .08 .24 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 288 .86 .346 .020 .82 .90 0 1

dipilih 82 .89 .315 .035 .82 .96 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 288 .01 .102 .006 .00 .02 0 1

dipilih 82 .01 .110 .012 -.01 .04 0 1

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 288 .77 .423 .025 .72 .82 0 1

dipilih 82 .77 .425 .047 .68 .86 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 288 .46 .499 .029 .40 .52 0 1

dipilih 82 .59 .496 .055 .48 .69 0 1

Total 370 .49 .500 .026 .44 .54 0 1

Sumber peningkatan pengetahuan tidak dipilih 288 .28 .449 .026 .23 .33 0 1

257

keuangan (Lembaga Pendidikan) dipilih 82 .41 .496 .055 .31 .52 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 288 .25 .434 .026 .20 .30 0 1

dipilih 82 .34 .477 .053 .24 .45 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 288 .41 .492 .029 .35 .46 0 1

dipilih 82 .56 .499 .055 .45 .67 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 288 .27 .445 .026 .22 .32 0 1

dipilih 82 .27 .446 .049 .17 .37 0 1

Total 370 .27 .445 .023 .22 .32 0 1








Instrumen keuangan yang dimiliki (Lain-lain) .672 1 368 .413















258

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .024 1 .024 1.112 .292


Total 7.827 369


Between Groups .411 1 .411 7.465 .007


Total 20.692 369


Between Groups .033 1 .033 1.770 .184


Total 6.868 369


Between Groups .000 1 .000 .000 .993


Total 32.497 369



8.001


Total 2.976 369


Between Groups .003 1 .003 .169 .681


Total 6.868 369


Between Groups 2.162 1 2.162 9.613 .002


Total 84.908 369


Between Groups .075 1 .075 .328 .567


Total 84.324 369


Between Groups .454 1 .454 2.592 .108


Total 64.930 369


Between Groups .045 1 .045 .333 .564


Total 50.270 369


Between Groups .068 1 .068 .291 .590


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit)Between Groups .205 1 .205 1.269 .261


259

Total 59.797 369


Between Groups .054 1 .054 .470 .494


Total 42.511 369


Between Groups .000 1 .000 .019 .891


Total 3.957 369


Between Groups .000 1 .000 .000 .986


Total 66.011 369


Between Groups 1.030 1 1.030 4.147 .042


Total 92.432 369


Between Groups 1.195 1 1.195 5.663 .018


Total 78.876 369


Between Groups .534 1 .534 2.713 .100


Total 72.973 369


Between Groups 1.528 1 1.528 6.271 .013


Total 91.192 369


Between Groups .000 1 .000 .002 .964


Total 72.973 369

LAMPIRAN 11ONE-WAY ANOVA BERDASARKAN TOPIK TABUNGAN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 184 .97 .178 .013 .94 .99 0 1

dipilih 186 .99 .103 .008 .97 1.00 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 184 .05 .216 .016 .02 .08 0 1

dipilih 186 .07 .256 .019 .03 .11 0 1

Total 370 .06 .237 .012 .04 .08 0 1

260


(Obligasi)

tidak dipilih 184 .01 .104 .008 .00 .03 0 1

dipilih 186 .03 .162 .012 .00 .05 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 184 .11 .319 .024 .07 .16 0 1

dipilih 186 .08 .273 .020 .04 .12 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 184 .01 .074 .005 -.01 .02 0 1

dipilih 186 .01 .103 .008 .00 .03 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 184 .04 .192 .014 .01 .07 0 1

dipilih 186 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 184 .34 .474 .035 .27 .41 0 1

dipilih 186 .38 .486 .036 .31 .45 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 184 .35 .479 .035 .28 .42 0 1

dipilih 186 .35 .478 .035 .28 .42 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 184 .23 .421 .031 .17 .29 0 1

dipilih 186 .23 .419 .031 .17 .29 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 184 .14 .349 .026 .09 .19 0 1

dipilih 186 .18 .388 .028 .13 .24 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 184 .34 .474 .035 .27 .41 0 1

dipilih 186 .39 .490 .036 .32 .46 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 184 .18 .389 .029 .13 .24 0 1

dipilih 186 .22 .416 .030 .16 .28 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 184 .86 .344 .025 .81 .91 0 1

dipilih 186 .87 .336 .025 .82 .92 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 184 .00 .000 .000 .00 .00 0 0

dipilih 186 .02 .145 .011 .00 .04 0 1

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 184 .73 .446 .033 .66 .79 0 1

dipilih 186 .81 .396 .029 .75 .86 0 1

Total 370 .77 .423 .022 .72 .81 0 1


261

keuangan (Teman) dipilih 186 .52 .501 .037 .44 .59 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 184 .29 .457 .034 .23 .36 0 1

dipilih 186 .32 .469 .034 .25 .39 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 184 .29 .454 .033 .22 .35 0 1

dipilih 186 .25 .436 .032 .19 .32 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 184 .43 .497 .037 .36 .51 0 1

dipilih 186 .45 .498 .037 .37 .52 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 184 .27 .443 .033 .20 .33 0 1

dipilih 186 .27 .447 .033 .21 .34 0 1

Total 370 .27 .445 .023 .22 .32 0 1











Topik yang diketahui didalam lingkungan keluarga (Pajak) .013 1 368 .911




Topik yang diketahui didalam lingkungan keluarga (Tabungan) .150 1 368 .699








262

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .044 1 .044 2.089 .149


Total 7.827 369


Between Groups .041 1 .041 .725 .395


Total 20.692 369


Between Groups .024 1 .024 1.275 .260


Total 6.868 369


Between Groups .104 1 .104 1.178 .278


Total 32.497 369


Between Groups .003 1 .003 .324 .570


Total 2.976 369


Between Groups .134 1 .134 7.316 .007


Total 6.868 369


Between Groups .143 1 .143 .623 .430


Total 84.908 369


Between Groups .001 1 .001 .006 .939


Total 84.324 369


Between Groups .001 1 .001 .003 .955


Total 64.930 369


Between Groups .159 1 .159 1.169 .280


Total 50.270 369


Between Groups .285 1 .285 1.228 .269


Total 85.743 369


Between Groups .118 1 .118 .725 .395


Total 59.797 369

263


Between Groups .004 1 .004 .037 .847


Total 42.511 369


Between Groups .043 1 .043 4.022 .046


Total 3.957 369


Between Groups .566 1 .566 3.180 .075


Total 66.011 369


Between Groups .329 1 .329 1.313 .253


Total 92.432 369


Between Groups .078 1 .078 .366 .546


Total 78.876 369


Between Groups .116 1 .116 .584 .445


Total 72.973 369


Between Groups .012 1 .012 .049 .825


Total 91.192 369


Between Groups .006 1 .006 .029 .865


Total 72.973 369

LAMPIRAN 12ONE-WAY ANOVA BERDASARKAN TOPIK INVESTASI

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 162 .98 .156 .012 .95 1.00 0 1

dipilih 208 .98 .138 .010 .96 1.00 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 162 .02 .135 .011 .00 .04 0 1

dipilih 208 .09 .289 .020 .05 .13 0 1

Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang dimiliki tidak dipilih 162 .02 .135 .011 .00 .04 0 1

264

(Obligasi) dipilih 208 .02 .138 .010 .00 .04 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 162 .06 .241 .019 .02 .10 0 1

dipilih 208 .13 .332 .023 .08 .17 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 162 .00 .000 .000 .00 .00 0 0

dipilih 208 .01 .120 .008 .00 .03 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 162 .01 .079 .006 -.01 .02 0 1

dipilih 208 .03 .168 .012 .01 .05 0 1

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 162 .34 .475 .037 .27 .41 0 1

dipilih 208 .37 .484 .034 .30 .44 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 162 .25 .433 .034 .18 .31 0 1

dipilih 208 .43 .497 .034 .36 .50 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 162 .26 .440 .035 .19 .33 0 1

dipilih 208 .20 .402 .028 .15 .26 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 162 .14 .344 .027 .08 .19 0 1

dipilih 208 .18 .387 .027 .13 .24 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 162 .38 .488 .038 .31 .46 0 1

dipilih 208 .35 .478 .033 .29 .42 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 162 .19 .390 .031 .12 .25 0 1

dipilih 208 .22 .413 .029 .16 .27 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 162 .87 .337 .026 .82 .92 0 1

dipilih 208 .87 .342 .024 .82 .91 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 162 .01 .079 .006 -.01 .02 0 1

dipilih 208 .01 .120 .008 .00 .03 0 1

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 162 .77 .425 .033 .70 .83 0 1

dipilih 208 .77 .422 .029 .71 .83 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 162 .52 .501 .039 .44 .60 0 1

dipilih 208 .46 .500 .035 .39 .53 0 1

265

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 162 .29 .455 .036 .22 .36 0 1

dipilih 208 .32 .468 .032 .26 .39 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 162 .24 .429 .034 .17 .31 0 1

dipilih 208 .29 .456 .032 .23 .36 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 162 .44 .498 .039 .37 .52 0 1

dipilih 208 .44 .497 .034 .37 .51 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 162 .24 .429 .034 .17 .31 0 1

dipilih 208 .29 .456 .032 .23 .36 0 1

Total 370 .27 .445 .023 .22 .32 0 1





Instrumen keuangan yang dimiliki (Obligasi) .010 1 368 .921


















266

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .003 1 .003 .128 .721


Total 7.827 369


Between Groups .483 1 .483 8.796 .003


Total 20.692 369


Between Groups .000 1 .000 .002 .960


Total 6.868 369


Between Groups .365 1 .365 4.175 .042


Total 32.497 369


Between Groups .019 1 .019 2.358 .126


Total 2.976 369


Between Groups .047 1 .047 2.526 .113


Total 6.868 369


Between Groups .086 1 .086 .372 .542


Total 84.908 369


Between Groups 3.143 1 3.14314.24

8.000


Total 84.324 369


Between Groups .299 1 .299 1.705 .192


Total 64.930 369


Between Groups .200 1 .200 1.472 .226


Total 50.270 369


Between Groups .092 1 .092 .395 .530


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit)Between Groups .088 1 .088 .545 .461


267

Total 59.797 369


Between Groups .002 1 .002 .020 .889


Total 42.511 369


Between Groups .006 1 .006 .577 .448


Total 3.957 369


Between Groups .001 1 .001 .007 .932


Total 66.011 369


Between Groups .296 1 .296 1.181 .278


Total 92.432 369


Between Groups .093 1 .093 .435 .510


Total 78.876 369


Between Groups .251 1 .251 1.272 .260


Total 72.973 369


Between Groups .004 1 .004 .018 .894


Total 91.192 369


Between Groups .251 1 .251 1.272 .260


Total 72.973 369

LAMPIRAN 13ONE-WAY ANOVA BERDASARKAN TOPIK PAJAK

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 329 .98 .154 .009 .96 .99 0 1

dipilih 41 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 329 .05 .222 .012 .03 .08 0 1

dipilih 41 .12 .331 .052 .02 .23 0 1

Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang dimiliki tidak dipilih 329 .02 .134 .007 .00 .03 0 1

268

(Obligasi) dipilih 41 .02 .156 .024 -.02 .07 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 329 .10 .297 .016 .07 .13 0 1

dipilih 41 .10 .300 .047 .00 .19 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 329 .01 .078 .004 .00 .01 0 1

dipilih 41 .02 .156 .024 -.02 .07 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 329 .02 .134 .007 .00 .03 0 1

dipilih 41 .02 .156 .024 -.02 .07 0 1

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 329 .35 .478 .026 .30 .40 0 1

dipilih 41 .41 .499 .078 .26 .57 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 329 .36 .481 .027 .31 .41 0 1

dipilih 41 .27 .449 .070 .13 .41 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 329 .21 .408 .022 .17 .25 0 1

dipilih 41 .37 .488 .076 .21 .52 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 329 .16 .371 .020 .12 .20 0 1

dipilih 41 .15 .358 .056 .03 .26 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 329 .36 .481 .027 .31 .41 0 1

dipilih 41 .39 .494 .077 .23 .55 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 329 .20 .403 .022 .16 .25 0 1

dipilih 41 .20 .401 .063 .07 .32 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 329 .87 .341 .019 .83 .90 0 1

dipilih 41 .88 .331 .052 .77 .98 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 329 .01 .110 .006 .00 .02 0 1

dipilih 41 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 329 .77 .424 .023 .72 .81 0 1

dipilih 41 .78 .419 .065 .65 .91 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 329 .50 .501 .028 .44 .55 0 1

dipilih 41 .41 .499 .078 .26 .57 0 1

269

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 329 .30 .459 .025 .25 .35 0 1

dipilih 41 .37 .488 .076 .21 .52 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 329 .26 .442 .024 .22 .31 0 1

dipilih 41 .32 .471 .074 .17 .47 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 329 .43 .496 .027 .37 .48 0 1

dipilih 41 .54 .505 .079 .38 .70 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 329 .27 .446 .025 .23 .32 0 1

dipilih 41 .24 .435 .068 .11 .38 0 1

Total 370 .27 .445 .023 .22 .32 0 1













Topik yang diketahui didalam lingkungan keluarga (Asuransi) .428 1 368 .513










270

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .022 1 .022 1.016 .314


Total 7.827 369


Between Groups .180 1 .180 3.231 .073


Total 20.692 369


Between Groups .001 1 .001 .074 .786


Total 6.868 369


Between Groups .000 1 .000 .000 .995


Total 32.497 369


Between Groups .012 1 .012 1.518 .219


Total 2.976 369


Between Groups .001 1 .001 .074 .786


Total 6.868 369


Between Groups .154 1 .154 .671 .413


Total 84.908 369


Between Groups .318 1 .318 1.393 .239


Total 84.324 369


Between Groups .889 1 .889 5.107 .024


Total 64.930 369


Between Groups .012 1 .012 .085 .771


Total 50.270 369


Between Groups .030 1 .030 .128 .721


Total 85.743 369


Between Groups .003 1 .003 .016 .898


Total 59.797 369

271


Between Groups .005 1 .005 .044 .834


Total 42.511 369


Between Groups .005 1 .005 .502 .479


Total 3.957 369


Between Groups .008 1 .008 .043 .836


Total 66.011 369


Between Groups .238 1 .238 .950 .330


Total 92.432 369


Between Groups .154 1 .154 .719 .397


Total 78.876 369


Between Groups .101 1 .101 .510 .476


Total 72.973 369


Between Groups .425 1 .425 1.724 .190


Total 91.192 369


Between Groups .032 1 .032 .162 .688


Total 72.973 369

LAMPIRAN 14ONE-WAY ANOVA BERDASARKAN TOPIK KARTU KREDIT

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 348 .98 .141 .008 .97 .99 0 1

dipilih 22 .95 .213 .045 .86 1.05 0 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 348 .05 .222 .012 .03 .08 0 1

dipilih 22 .18 .395 .084 .01 .36 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

tidak dipilih 348 .02 .130 .007 .00 .03 0 1

dipilih 22 .05 .213 .045 -.05 .14 0 1

272

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 348 .09 .285 .015 .06 .12 0 1

dipilih 22 .23 .429 .091 .04 .42 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 348 .01 .093 .005 .00 .02 0 1

dipilih 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 348 .01 .119 .006 .00 .03 0 1

dipilih 22 .09 .294 .063 -.04 .22 0 1

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 348 .34 .476 .026 .29 .40 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 348 .34 .476 .026 .29 .40 0 1

dipilih 22 .45 .510 .109 .23 .68 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 348 .23 .420 .022 .18 .27 0 1

dipilih 22 .23 .429 .091 .04 .42 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 348 .16 .363 .019 .12 .19 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 348 .35 .479 .026 .30 .40 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 348 .18 .386 .021 .14 .22 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 348 .87 .336 .018 .84 .91 0 1

dipilih 22 .82 .395 .084 .64 .99 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 348 .01 .093 .005 .00 .02 0 1

dipilih 22 .05 .213 .045 -.05 .14 0 1

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 348 .76 .429 .023 .71 .80 0 1

dipilih 22 .91 .294 .063 .78 1.04 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 348 .49 .501 .027 .43 .54 0 1

dipilih 22 .50 .512 .109 .27 .73 0 1

Total 370 .49 .500 .026 .44 .54 0 1

273



tidak dipilih 348 .30 .460 .025 .25 .35 0 1

dipilih 22 .41 .503 .107 .19 .63 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 348 .26 .442 .024 .22 .31 0 1

dipilih 22 .36 .492 .105 .15 .58 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 348 .43 .496 .027 .38 .49 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 348 .26 .440 .024 .22 .31 0 1

dipilih 22 .41 .503 .107 .19 .63 0 1

Total 370 .27 .445 .023 .22 .32 0 1























274

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .013 1 .013 .626 .429


Total 7.827 369


Between Groups .350 1 .350 6.335 .012


Total 20.692 369


Between Groups .016 1 .016 .885 .348


Total 6.868 369


Between Groups .395 1 .395 4.530 .034


Total 32.497 369


Between Groups .002 1 .002 .190 .663


Total 2.976 369


Between Groups .121 1 .121 6.613 .011


Total 6.868 369


Between Groups .833 1 .833 3.646 .057


Total 84.908 369


Between Groups .249 1 .249 1.090 .297


Total 84.324 369


Between Groups .000 1 .000 .000 .998


Total 64.930 369


Between Groups .286 1 .286 2.105 .148


Total 50.270 369


Between Groups .763 1 .763 3.303 .070


Total 85.743 369

275


Between Groups 2.748 1 2.74817.72

6.000


Total 59.797 369


Between Groups .057 1 .057 .495 .482


Total 42.511 369


Between Groups .028 1 .028 2.630 .106


Total 3.957 369


Between Groups .468 1 .468 2.630 .106


Total 66.011 369


Between Groups .004 1 .004 .017 .896


Total 92.432 369


Between Groups .239 1 .239 1.116 .291


Total 78.876 369


Between Groups .204 1 .204 1.031 .311


Total 72.973 369


Between Groups .257 1 .257 1.042 .308


Total 91.192 369


Between Groups .451 1 .451 2.287 .131


Total 72.973 369

LAMPIRAN 15ONE-WAY ANOVA BERDASARKAN TOPIK ASURANSI

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 319 .97 .157 .009 .96 .99 0 1

dipilih 51 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1

276


(Saham)

tidak dipilih 319 .05 .219 .012 .03 .07 0 1

dipilih 51 .12 .325 .046 .03 .21 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

tidak dipilih 319 .02 .124 .007 .00 .03 0 1

dipilih 51 .04 .196 .027 -.02 .09 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 319 .09 .283 .016 .06 .12 0 1

dipilih 51 .16 .367 .051 .05 .26 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 319 .00 .056 .003 .00 .01 0 1

dipilih 51 .04 .196 .027 -.02 .09 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 319 .02 .136 .008 .00 .03 0 1

dipilih 51 .02 .140 .020 -.02 .06 0 1

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 319 .34 .474 .027 .29 .39 0 1

dipilih 51 .47 .504 .071 .33 .61 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 319 .33 .472 .026 .28 .38 0 1

dipilih 51 .47 .504 .071 .33 .61 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 319 .22 .412 .023 .17 .26 0 1

dipilih 51 .29 .460 .064 .16 .42 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 319 .14 .352 .020 .11 .18 0 1

dipilih 51 .27 .451 .063 .15 .40 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 319 .32 .466 .026 .27 .37 0 1

dipilih 51 .67 .476 .067 .53 .80 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 319 .17 .376 .021 .13 .21 0 1

dipilih 51 .41 .497 .070 .27 .55 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 319 .87 .339 .019 .83 .91 0 1

dipilih 51 .86 .348 .049 .76 .96 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 319 .01 .097 .005 .00 .02 0 1

dipilih 51 .02 .140 .020 -.02 .06 0 1

Total 370 .01 .104 .005 .00 .02 0 1


277

keuangan (Orang tua) dipilih 51 .84 .367 .051 .74 .95 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 319 .49 .501 .028 .43 .54 0 1

dipilih 51 .49 .505 .071 .35 .63 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 319 .30 .461 .026 .25 .35 0 1

dipilih 51 .33 .476 .067 .20 .47 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 319 .25 .432 .024 .20 .30 0 1

dipilih 51 .41 .497 .070 .27 .55 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 319 .41 .493 .028 .36 .46 0 1

dipilih 51 .63 .488 .068 .49 .76 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 319 .25 .436 .024 .21 .30 0 1

dipilih 51 .37 .488 .068 .24 .51 0 1

Total 370 .27 .445 .023 .22 .32 0 1






















278


ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .028 1 .028 1.305 .254


Total 7.827 369


Between Groups .200 1 .200 3.597 .059


Total 20.692 369


Between Groups .024 1 .024 1.310 .253


Total 6.868 369


Between Groups .210 1 .210 2.392 .123


Total 32.497 369


Between Groups .057 1 .057 7.218 .008


Total 2.976 369


Between Groups .000 1 .000 .002 .969


Total 6.868 369


Between Groups .766 1 .766 3.352 .068


Total 84.908 369


Between Groups .841 1 .841 3.707 .055


Total 84.324 369


Between Groups .266 1 .266 1.515 .219


Total 64.930 369


Between Groups .747 1 .747 5.548 .019


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)Between Groups 5.388 1 5.388

24.67

5.000


279

Total 85.743 369


Between Groups 2.585 1 2.58516.63

0.000


Total 59.797 369


Between Groups .001 1 .001 .012 .913


Total 42.511 369


Between Groups .005 1 .005 .426 .514


Total 3.957 369


Between Groups .338 1 .338 1.893 .170


Total 66.011 369


Between Groups .001 1 .001 .003 .955


Total 92.432 369


Between Groups .038 1 .038 .176 .675


Total 78.876 369


Between Groups 1.184 1 1.184 6.071 .014


Total 72.973 369


Between Groups 2.067 1 2.067 8.533 .004


Total 91.192 369


Between Groups .619 1 .619 3.147 .077


Total 72.973 369

LAMPIRAN 16ONE-WAY ANOVA BERDASARKAN TOPIK LAIN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

tidak dipilih 348 .98 .150 .008 .96 .99 0 1

dipilih 22 1.00 .000 .000 1.00 1.00 1 1

280

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

tidak dipilih 348 .06 .238 .013 .04 .09 0 1

dipilih 22 .05 .213 .045 -.05 .14 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

tidak dipilih 348 .02 .130 .007 .00 .03 0 1

dipilih 22 .05 .213 .045 -.05 .14 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

tidak dipilih 348 .10 .297 .016 .07 .13 0 1

dipilih 22 .09 .294 .063 -.04 .22 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

tidak dipilih 348 .01 .093 .005 .00 .02 0 1

dipilih 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

tidak dipilih 348 .02 .141 .008 .01 .03 0 1

dipilih 22 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1



tidak dipilih 348 .36 .481 .026 .31 .41 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 348 .36 .482 .026 .31 .42 0 1

dipilih 22 .14 .351 .075 -.02 .29 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 348 .22 .418 .022 .18 .27 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 348 .16 .371 .020 .12 .20 0 1

dipilih 22 .14 .351 .075 -.02 .29 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 348 .37 .483 .026 .32 .42 0 1

dipilih 22 .32 .477 .102 .11 .53 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 348 .21 .406 .022 .16 .25 0 1

dipilih 22 .14 .351 .075 -.02 .29 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 348 .86 .342 .018 .83 .90 0 1

dipilih 22 .91 .294 .063 .78 1.04 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 348 .01 .107 .006 .00 .02 0 1

dipilih 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1

281



tidak dipilih 348 .76 .427 .023 .72 .81 0 1

dipilih 22 .86 .351 .075 .71 1.02 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 348 .48 .500 .027 .43 .54 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 348 .31 .464 .025 .26 .36 0 1

dipilih 22 .23 .429 .091 .04 .42 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 348 .27 .443 .024 .22 .31 0 1

dipilih 22 .32 .477 .102 .11 .53 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 348 .43 .496 .027 .38 .48 0 1

dipilih 22 .64 .492 .105 .42 .85 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 348 .26 .442 .024 .22 .31 0 1

dipilih 22 .36 .492 .105 .15 .58 0 1

Total 370 .27 .445 .023 .22 .32 0 1





















282



ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .011 1 .011 .515 .474


Total 7.827 369


Between Groups .005 1 .005 .082 .775


Total 20.692 369


Between Groups .016 1 .016 .885 .348


Total 6.868 369


Between Groups .001 1 .001 .011 .917


Total 32.497 369


Between Groups .002 1 .002 .190 .663


Total 2.976 369


Between Groups .008 1 .008 .449 .503


Total 6.868 369


Between Groups .165 1 .165 .717 .398


Total 84.908 369


Between Groups 1.081 1 1.081 4.779 .029


Total 84.324 369


Between Groups .049 1 .049 .277 .599


Total 64.930 369


Between Groups .016 1 .016 .114 .736


Total 50.270 369


Between Groups .051 1 .051 .219 .640


Total 85.743 369

283


Between Groups .103 1 .103 .635 .426


Total 59.797 369


Between Groups .040 1 .040 .349 .555


Total 42.511 369


Between Groups .003 1 .003 .254 .614


Total 3.957 369


Between Groups .216 1 .216 1.207 .273


Total 66.011 369


Between Groups .081 1 .081 .324 .569


Total 92.432 369


Between Groups .153 1 .153 .714 .399


Total 78.876 369


Between Groups .054 1 .054 .271 .603


Total 72.973 369


Between Groups .897 1 .897 3.656 .057


Total 91.192 369


Between Groups .204 1 .204 1.031 .311


Total 72.973 369

LAMPIRAN 17ONE-WAY ANOVA BERDASARKAN PERNYATAAN FINANCIAL ATTITUDE I

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .10 .316 .100 -.13 .33 0 1

3 80 .19 .393 .044 .10 .27 0 1

4 201 .23 .424 .030 .17 .29 0 1

5 76 .24 .428 .049 .14 .33 0 1

284

Total 370 .22 .416 .022 .18 .26 0 1


1 3 .67 .577 .333 -.77 2.10 0 1

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .50 .503 .056 .39 .61 0 1

4 201 .49 .501 .035 .42 .56 0 1

5 76 .58 .497 .057 .47 .69 0 1

Total 370 .50 .501 .026 .45 .55 0 1


1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .60 .516 .163 .23 .97 0 1

3 80 .54 .502 .056 .43 .65 0 1

4 201 .56 .497 .035 .49 .63 0 1

5 76 .59 .495 .057 .48 .71 0 1

Total 370 .56 .497 .026 .51 .61 0 1


1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .00 .000 .000 .00 .00 0 0

3 80 .10 .302 .034 .03 .17 0 1

4 201 .10 .307 .022 .06 .15 0 1

5 76 .14 .354 .041 .06 .23 0 1

Total 370 .11 .314 .016 .08 .14 0 1


1 3 .00 .000 .000 .00 .00 0 0

2 10 .30 .483 .153 -.05 .65 0 1

3 80 .05 .219 .025 .00 .10 0 1

4 201 .04 .207 .015 .02 .07 0 1

5 76 .08 .271 .031 .02 .14 0 1

Total 370 .06 .237 .012 .04 .08 0 1


1 3 .00 .000 .000 .00 .00 0 0

2 10 .00 .000 .000 .00 .00 0 0

3 80 .14 .347 .039 .06 .21 0 1

4 201 .13 .336 .024 .08 .18 0 1

5 76 .18 .390 .045 .10 .27 0 1

Total 370 .14 .345 .018 .10 .17 0 1


1 3 .00 .000 .000 .00 .00 0 0

2 10 .00 .000 .000 .00 .00 0 0

3 80 .06 .244 .027 .01 .12 0 1

4 201 .07 .263 .019 .04 .11 0 1

5 76 .03 .161 .018 -.01 .06 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

1 3 1.00 .000 .000 1.00 1.00 1 1

2 10 .90 .316 .100 .67 1.13 0 1

3 80 .98 .157 .018 .94 1.01 0 1

285

4 201 .98 .140 .010 .96 1.00 0 1

5 76 .99 .115 .013 .96 1.01 0 1

Total 370 .98 .146 .008 .96 .99 0 1


1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .00 .000 .000 .00 .00 0 0

3 80 .05 .219 .025 .00 .10 0 1

4 201 .05 .218 .015 .02 .08 0 1

5 76 .09 .291 .033 .03 .16 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .10 .316 .100 -.13 .33 0 1

3 80 .00 .000 .000 .00 .00 0 0

4 201 .01 .122 .009 .00 .03 0 1

5 76 .03 .161 .018 -.01 .06 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .06 .244 .027 .01 .12 0 1

4 201 .09 .293 .021 .05 .14 0 1

5 76 .12 .325 .037 .04 .19 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .00 .000 .000 .00 .00 0 0

3 80 .00 .000 .000 .00 .00 0 0

4 201 .00 .071 .005 .00 .01 0 1

5 76 .01 .115 .013 -.01 .04 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

1 3 .00 .000 .000 .00 .00 0 0

2 10 .00 .000 .000 .00 .00 0 0

3 80 .00 .000 .000 .00 .00 0 0

4 201 .02 .156 .011 .00 .05 0 1

5 76 .03 .161 .018 -.01 .06 0 1

Total 370 .02 .136 .007 .00 .03 0 1


keluarga (Anggaran)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .30 .483 .153 -.05 .65 0 1

3 80 .39 .490 .055 .28 .50 0 1

4 201 .33 .471 .033 .26 .39 0 1

5 76 .41 .495 .057 .29 .52 0 1

Total 370 .36 .480 .025 .31 .41 0 1

Topik yang diketahui didalam lingkungan 1 3 .33 .577 .333 -1.10 1.77 0 1

286

keluarga (Investasi) 2 10 .60 .516 .163 .23 .97 0 1

3 80 .31 .466 .052 .21 .42 0 1

4 201 .32 .469 .033 .26 .39 0 1

5 76 .43 .499 .057 .32 .55 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

1 3 .00 .000 .000 .00 .00 0 0

2 10 .30 .483 .153 -.05 .65 0 1

3 80 .16 .371 .042 .08 .25 0 1

4 201 .22 .415 .029 .16 .28 0 1

5 76 .32 .468 .054 .21 .42 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

1 3 .00 .000 .000 .00 .00 0 0

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .11 .318 .036 .04 .18 0 1

4 201 .17 .376 .027 .12 .22 0 1

5 76 .20 .401 .046 .11 .29 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

1 3 .00 .000 .000 .00 .00 0 0

2 10 .10 .316 .100 -.13 .33 0 1

3 80 .25 .436 .049 .15 .35 0 1

4 201 .39 .490 .035 .32 .46 0 1

5 76 .46 .502 .058 .35 .58 0 1

Total 370 .36 .482 .025 .32 .41 0 1



1 3 .00 .000 .000 .00 .00 0 0

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .14 .347 .039 .06 .21 0 1

4 201 .22 .418 .029 .17 .28 0 1

5 76 .22 .419 .048 .13 .32 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

1 3 1.00 .000 .000 1.00 1.00 1 1

2 10 .70 .483 .153 .35 1.05 0 1

3 80 .79 .412 .046 .70 .88 0 1

4 201 .89 .313 .022 .85 .93 0 1

5 76 .91 .291 .033 .84 .97 0 1

Total 370 .87 .339 .018 .83 .90 0 1



1 3 .00 .000 .000 .00 .00 0 0

2 10 .00 .000 .000 .00 .00 0 0

3 80 .01 .112 .013 -.01 .04 0 1

4 201 .01 .122 .009 .00 .03 0 1

5 76 .00 .000 .000 .00 .00 0 0

287

Total 370 .01 .104 .005 .00 .02 0 1



1 3 .67 .577 .333 -.77 2.10 0 1

2 10 .90 .316 .100 .67 1.13 0 1

3 80 .75 .436 .049 .65 .85 0 1

4 201 .75 .433 .031 .69 .81 0 1

5 76 .82 .390 .045 .73 .90 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .50 .527 .167 .12 .88 0 1

3 80 .43 .497 .056 .31 .54 0 1

4 201 .48 .501 .035 .41 .55 0 1

5 76 .58 .497 .057 .47 .69 0 1

Total 370 .49 .500 .026 .44 .54 0 1



1 3 .33 .577 .333 -1.10 1.77 0 1

2 10 .30 .483 .153 -.05 .65 0 1

3 80 .25 .436 .049 .15 .35 0 1

4 201 .31 .463 .033 .24 .37 0 1

5 76 .37 .486 .056 .26 .48 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

1 3 .67 .577 .333 -.77 2.10 0 1

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .24 .428 .048 .14 .33 0 1

4 201 .24 .427 .030 .18 .30 0 1

5 76 .38 .489 .056 .27 .49 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

1 3 .67 .577 .333 -.77 2.10 0 1

2 10 .40 .516 .163 .03 .77 0 1

3 80 .36 .484 .054 .25 .47 0 1

4 201 .40 .492 .035 .33 .47 0 1

5 76 .62 .489 .056 .51 .73 0 1

Total 370 .44 .497 .026 .39 .49 0 1



1 3 .67 .577 .333 -.77 2.10 0 1

2 10 .20 .422 .133 -.10 .50 0 1

3 80 .28 .449 .050 .18 .37 0 1

4 201 .24 .427 .030 .18 .30 0 1

5 76 .34 .478 .055 .23 .45 0 1

Total 370 .27 .445 .023 .22 .32 0 1

288





Topik yang disukai (Investasi) .868 4 365 .483

























ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .326 4 .082 .469 .759


Total 63.827 369

Topik yang disukai (Tabungan)Between Groups 1.485 4 .371 1.489 .205


289

Total 92.497 369


Between Groups .288 4 .072 .290 .885


Total 91.070 369


Between Groups .376 4 .094 .951 .434


Total 36.457 369


Between Groups .669 4 .167 3.047 .017


Total 20.692 369


Between Groups .425 4 .106 .890 .470


Total 43.970 369


Between Groups .176 4 .044 .785 .536


Total 20.692 369


Between Groups .070 4 .017 .821 .512


Total 7.827 369


Between Groups .367 4 .092 1.650 .161


Total 20.692 369


Between Groups .398 4 .100 5.618 .000


Total 6.868 369


Between Groups .405 4 .101 1.151 .332


Total 32.497 369



1.000


Total 2.976 369


Between Groups .045 4 .011 .596 .666


Total 6.868 369


Between Groups .470 4 .118 .508 .730


Total 84.908 369

Topik yang diketahui didalam lingkungan keluarga (Investasi)Between Groups 1.419 4 .355 1.562 .184


290

Total 84.324 369


Between Groups 1.153 4 .288 1.650 .161


Total 64.930 369


Between Groups .395 4 .099 .722 .577


Total 50.270 369


Between Groups 3.011 4 .753 3.321 .011


Total 85.743 369


Between Groups .587 4 .147 .905 .461


Total 59.797 369


Between Groups 1.076 4 .269 2.370 .052


Total 42.511 369


Between Groups .014 4 .004 .325 .861


Total 3.957 369


Between Groups .461 4 .115 .642 .633


Total 66.011 369


Between Groups 1.040 4 .260 1.039 .387


Total 92.432 369


Between Groups .549 4 .137 .640 .634


Total 78.876 369


Between Groups 1.747 4 .437 2.239 .064


Total 72.973 369


Between Groups 3.345 4 .836 3.475 .008


Total 91.192 369


Between Groups 1.114 4 .278 1.414 .229


Total 72.973 369

291

LAMPIRAN 18ONE-WAY ANOVA BERDASARKAN PERNYATAAN FINANCIAL ATTITUDE II

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


2 6 .00 .000 .000 .00 .00 0 0

3 145 .22 .416 .035 .15 .29 0 1

4 214 .23 .424 .029 .18 .29 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .22 .416 .022 .18 .26 0 1


2 6 .50 .548 .224 -.07 1.07 0 1

3 145 .52 .501 .042 .43 .60 0 1

4 214 .49 .501 .034 .42 .55 0 1

5 5 .80 .447 .200 .24 1.36 0 1

Total 370 .50 .501 .026 .45 .55 0 1


2 6 .33 .516 .211 -.21 .88 0 1

3 145 .54 .500 .041 .46 .63 0 1

4 214 .58 .495 .034 .51 .65 0 1

5 5 .60 .548 .245 -.08 1.28 0 1

Total 370 .56 .497 .026 .51 .61 0 1


2 6 .00 .000 .000 .00 .00 0 0

3 145 .12 .331 .027 .07 .18 0 1

4 214 .11 .310 .021 .07 .15 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .11 .314 .016 .08 .14 0 1


2 6 .17 .408 .167 -.26 .60 0 1

3 145 .03 .183 .015 .00 .06 0 1

4 214 .07 .248 .017 .03 .10 0 1

5 5 .40 .548 .245 -.28 1.08 0 1

Total 370 .06 .237 .012 .04 .08 0 1


2 6 .00 .000 .000 .00 .00 0 0

3 145 .13 .339 .028 .08 .19 0 1

4 214 .14 .348 .024 .09 .19 0 1

5 5 .40 .548 .245 -.28 1.08 0 1

Total 370 .14 .345 .018 .10 .17 0 1


2 6 .17 .408 .167 -.26 .60 0 1

3 145 .05 .215 .018 .01 .08 0 1

4 214 .06 .239 .016 .03 .09 0 1

292

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Tabungan)

2 6 1.00 .000 .000 1.00 1.00 1 1

3 145 .97 .164 .014 .95 1.00 0 1

4 214 .98 .136 .009 .96 1.00 0 1

5 5 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


2 6 .00 .000 .000 .00 .00 0 0

3 145 .04 .200 .017 .01 .07 0 1

4 214 .07 .256 .017 .04 .10 0 1

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .06 .237 .012 .04 .08 0 1


2 6 .00 .000 .000 .00 .00 0 0

3 145 .03 .164 .014 .00 .05 0 1

4 214 .01 .096 .007 .00 .02 0 1

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .02 .136 .007 .00 .03 0 1


2 6 .17 .408 .167 -.26 .60 0 1

3 145 .07 .254 .021 .03 .11 0 1

4 214 .11 .316 .022 .07 .15 0 1

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

2 6 .00 .000 .000 .00 .00 0 0

3 145 .01 .117 .010 -.01 .03 0 1

4 214 .00 .068 .005 .00 .01 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


2 6 .00 .000 .000 .00 .00 0 0

3 145 .01 .083 .007 -.01 .02 0 1

4 214 .03 .165 .011 .01 .05 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


keluarga (Anggaran)

2 6 .50 .548 .224 -.07 1.07 0 1

3 145 .34 .477 .040 .27 .42 0 1

4 214 .36 .481 .033 .29 .42 0 1

5 5 .40 .548 .245 -.28 1.08 0 1

Total 370 .36 .480 .025 .31 .41 0 1



2 6 .33 .516 .211 -.21 .88 0 1

3 145 .36 .481 .040 .28 .44 0 1

4 214 .36 .480 .033 .29 .42 0 1

293

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

2 6 .33 .516 .211 -.21 .88 0 1

3 145 .20 .401 .033 .13 .27 0 1

4 214 .24 .430 .029 .19 .30 0 1

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

2 6 .33 .516 .211 -.21 .88 0 1

3 145 .16 .367 .030 .10 .22 0 1

4 214 .16 .371 .025 .11 .21 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

2 6 .33 .516 .211 -.21 .88 0 1

3 145 .36 .481 .040 .28 .44 0 1

4 214 .36 .482 .033 .30 .43 0 1

5 5 .60 .548 .245 -.08 1.28 0 1

Total 370 .36 .482 .025 .32 .41 0 1



2 6 .17 .408 .167 -.26 .60 0 1

3 145 .20 .401 .033 .13 .27 0 1

4 214 .20 .402 .027 .15 .26 0 1

5 5 .40 .548 .245 -.28 1.08 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

2 6 1.00 .000 .000 1.00 1.00 1 1

3 145 .83 .379 .031 .77 .89 0 1

4 214 .89 .316 .022 .85 .93 0 1

5 5 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1



2 6 .00 .000 .000 .00 .00 0 0

3 145 .01 .117 .010 -.01 .03 0 1

4 214 .01 .096 .007 .00 .02 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1


(Orang tua)

2 6 1.00 .000 .000 1.00 1.00 1 1

3 145 .80 .401 .033 .73 .87 0 1

4 214 .73 .443 .030 .67 .79 0 1

5 5 1.00 .000 .000 1.00 1.00 1 1

Total 370 .77 .423 .022 .72 .81 0 1


(Teman)

2 6 .50 .548 .224 -.07 1.07 0 1

3 145 .48 .501 .042 .39 .56 0 1

4 214 .50 .501 .034 .44 .57 0 1

294

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .49 .500 .026 .44 .54 0 1



2 6 .17 .408 .167 -.26 .60 0 1

3 145 .34 .475 .039 .26 .42 0 1

4 214 .30 .459 .031 .24 .36 0 1

5 5 .00 .000 .000 .00 .00 0 0

Total 370 .31 .462 .024 .26 .36 0 1


(Buku)

2 6 .00 .000 .000 .00 .00 0 0

3 145 .24 .429 .036 .17 .31 0 1

4 214 .29 .455 .031 .23 .35 0 1

5 5 .60 .548 .245 -.08 1.28 0 1

Total 370 .27 .445 .023 .22 .32 0 1


(Internet)

2 6 .17 .408 .167 -.26 .60 0 1

3 145 .39 .490 .041 .31 .47 0 1

4 214 .47 .500 .034 .40 .53 0 1

5 5 1.00 .000 .000 1.00 1.00 1 1

Total 370 .44 .497 .026 .39 .49 0 1


(Pengalaman Kerja)

2 6 .33 .516 .211 -.21 .88 0 1

3 145 .23 .425 .035 .16 .30 0 1

4 214 .29 .457 .031 .23 .36 0 1

5 5 .20 .447 .200 -.36 .76 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















295














ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .571 3 .190 1.102 .348


Total 63.827 369


Between Groups .532 3 .177 .706 .549


Total 92.497 369


Between Groups .429 3 .143 .577 .630


Total 91.070 369


Between Groups .163 3 .054 .549 .649


Total 36.457 369


Between Groups .747 3 .249 4.568 .004


Total 20.692 369


Between Groups .466 3 .155 1.305 .272


Total 43.970 369


Between Groups .186 3 .062 1.108 .346


Total 20.692 369

296


Between Groups .012 3 .004 .189 .904


Total 7.827 369


Between Groups .192 3 .064 1.140 .333


Total 20.692 369


Between Groups .197 3 .066 3.596 .014


Total 6.868 369


Between Groups .245 3 .082 .928 .427


Total 32.497 369


Between Groups .008 3 .003 .326 .806


Total 2.976 369


Between Groups .043 3 .014 .763 .515


Total 6.868 369


Between Groups .155 3 .052 .223 .880


Total 84.908 369


Between Groups .630 3 .210 .918 .432


Total 84.324 369


Between Groups .232 3 .077 .437 .726


Total 64.930 369


Between Groups .310 3 .103 .756 .520


Total 50.270 369


Between Groups .288 3 .096 .411 .745


Total 85.743 369


Between Groups .204 3 .068 .418 .740


Total 59.797 369


Between Groups .513 3 .171 1.489 .217


Total 42.511 369

Topik yang diketahui didalam lingkungan keluarga (Lain-lain) Between Groups .003 3 .001 .094 .964

297


Total 3.957 369


Between Groups .993 3 .331 1.863 .135


Total 66.011 369


Between Groups 1.272 3 .424 1.702 .166


Total 92.432 369


Pendidikan)

Between Groups .741 3 .247 1.157 .326


Total 78.876 369


Between Groups 1.184 3 .395 2.012 .112


Total 72.973 369


Between Groups 2.494 3 .831 3.431 .017


Total 91.192 369


Between Groups .359 3 .120 .603 .614


Total 72.973 369

LAMPIRAN 19ONE-WAY ANOVA BERDASARKAN GAMBARAN DIRI RESPONDEN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

sangat hemat 15 1.00 .000 .000 1.00 1.00 1 1

hemat 251 .98 .125 .008 .97 1.00 0 1

boros 90 .96 .207 .022 .91 1.00 0 1

sangat boros 14 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

sangat hemat 15 .27 .458 .118 .01 .52 0 1

hemat 251 .06 .230 .015 .03 .08 0 1

boros 90 .04 .207 .022 .00 .09 0 1

sangat boros 14 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1

Instrumen keuangan yang dimiliki sangat hemat 15 .13 .352 .091 -.06 .33 0 1

298

(Obligasi) hemat 251 .01 .109 .007 .00 .03 0 1

boros 90 .02 .148 .016 -.01 .05 0 1

sangat boros 14 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

sangat hemat 15 .27 .458 .118 .01 .52 0 1

hemat 251 .09 .289 .018 .06 .13 0 1

boros 90 .07 .251 .026 .01 .12 0 1

sangat boros 14 .21 .426 .114 -.03 .46 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

sangat hemat 15 .07 .258 .067 -.08 .21 0 1

hemat 251 .00 .063 .004 .00 .01 0 1

boros 90 .01 .105 .011 -.01 .03 0 1

sangat boros 14 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

sangat hemat 15 .00 .000 .000 .00 .00 0 0

hemat 251 .02 .125 .008 .00 .03 0 1

boros 90 .02 .148 .016 -.01 .05 0 1

sangat boros 14 .07 .267 .071 -.08 .23 0 1

Total 370 .02 .136 .007 .00 .03 0 1



sangat hemat 15 .40 .507 .131 .12 .68 0 1

hemat 251 .36 .482 .030 .30 .42 0 1

boros 90 .31 .466 .049 .21 .41 0 1

sangat boros 14 .50 .519 .139 .20 .80 0 1

Total 370 .36 .480 .025 .31 .41 0 1



sangat hemat 15 .33 .488 .126 .06 .60 0 1

hemat 251 .37 .485 .031 .31 .43 0 1

boros 90 .29 .456 .048 .19 .38 0 1

sangat boros 14 .36 .497 .133 .07 .64 0 1

Total 370 .35 .478 .025 .30 .40 0 1



sangat hemat 15 .07 .258 .067 -.08 .21 0 1

hemat 251 .22 .417 .026 .17 .27 0 1

boros 90 .28 .450 .047 .18 .37 0 1

sangat boros 14 .14 .363 .097 -.07 .35 0 1

Total 370 .23 .419 .022 .18 .27 0 1



sangat hemat 15 .07 .258 .067 -.08 .21 0 1

hemat 251 .17 .374 .024 .12 .21 0 1

boros 90 .16 .364 .038 .08 .23 0 1

sangat boros 14 .21 .426 .114 -.03 .46 0 1

Total 370 .16 .369 .019 .12 .20 0 1

Topik yang diketahui didalam sangat hemat 15 .33 .488 .126 .06 .60 0 1

299

lingkungan keluarga (Asuransi) hemat 251 .37 .485 .031 .31 .43 0 1

boros 90 .37 .485 .051 .27 .47 0 1

sangat boros 14 .21 .426 .114 -.03 .46 0 1

Total 370 .36 .482 .025 .32 .41 0 1



sangat hemat 15 .13 .352 .091 -.06 .33 0 1

hemat 251 .20 .400 .025 .15 .25 0 1

boros 90 .20 .402 .042 .12 .28 0 1

sangat boros 14 .36 .497 .133 .07 .64 0 1

Total 370 .20 .403 .021 .16 .24 0 1



sangat hemat 15 .80 .414 .107 .57 1.03 0 1

hemat 251 .87 .334 .021 .83 .91 0 1

boros 90 .88 .329 .035 .81 .95 0 1

sangat boros 14 .79 .426 .114 .54 1.03 0 1

Total 370 .87 .339 .018 .83 .90 0 1



sangat hemat 15 .00 .000 .000 .00 .00 0 0

hemat 251 .01 .089 .006 .00 .02 0 1

boros 90 .02 .148 .016 -.01 .05 0 1

sangat boros 14 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



sangat hemat 15 .80 .414 .107 .57 1.03 0 1

hemat 251 .77 .422 .027 .72 .82 0 1

boros 90 .72 .450 .047 .63 .82 0 1

sangat boros 14 1.00 .000 .000 1.00 1.00 1 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

sangat hemat 15 .33 .488 .126 .06 .60 0 1

hemat 251 .46 .499 .032 .40 .52 0 1

boros 90 .59 .495 .052 .49 .69 0 1

sangat boros 14 .50 .519 .139 .20 .80 0 1

Total 370 .49 .500 .026 .44 .54 0 1



sangat hemat 15 .27 .458 .118 .01 .52 0 1

hemat 251 .29 .457 .029 .24 .35 0 1

boros 90 .32 .470 .050 .22 .42 0 1

sangat boros 14 .50 .519 .139 .20 .80 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

sangat hemat 15 .40 .507 .131 .12 .68 0 1

hemat 251 .27 .445 .028 .22 .33 0 1

boros 90 .24 .432 .046 .15 .33 0 1

sangat boros 14 .29 .469 .125 .02 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1

Sumber peningkatan pengetahuan sangat hemat 15 .47 .516 .133 .18 .75 0 1

300

keuangan (Internet) hemat 251 .45 .499 .031 .39 .52 0 1

boros 90 .40 .493 .052 .30 .50 0 1

sangat boros 14 .43 .514 .137 .13 .73 0 1

Total 370 .44 .497 .026 .39 .49 0 1



sangat hemat 15 .27 .458 .118 .01 .52 0 1

hemat 251 .26 .441 .028 .21 .32 0 1

boros 90 .29 .456 .048 .19 .38 0 1

sangat boros 14 .29 .469 .125 .02 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1























ANOVA

Sum of

Squares

df Mean

Square

F Sig.

Instrumen keuangan yang dimiliki (Tabungan) Between Groups .069 3 .023 1.078 .358

301


Total 7.827 369


Between Groups .717 3 .239 4.381 .005


Total 20.692 369


Between Groups .215 3 .072 3.934 .009


Total 6.868 369


Between Groups .714 3 .238 2.742 .043


Total 32.497 369


Between Groups .057 3 .019 2.401 .067


Total 2.976 369


Between Groups .047 3 .016 .844 .470


Total 6.868 369


Between Groups .511 3 .170 .739 .529


Total 84.908 369


Between Groups .491 3 .164 .715 .544


Total 84.324 369


Between Groups .721 3 .240 1.369 .252


Total 64.930 369


Between Groups .185 3 .062 .452 .716


Total 50.270 369


Between Groups .356 3 .119 .509 .677


Total 85.743 369


Between Groups .410 3 .137 .842 .472


Total 59.797 369


Between Groups .178 3 .059 .512 .674


Total 42.511 369

Topik yang diketahui didalam lingkungan keluarga (Lain-lain) Between Groups .017 3 .006 .531 .661

302


Total 3.957 369


Between Groups .958 3 .319 1.796 .148


Total 66.011 369


Between Groups 1.499 3 .500 2.012 .112


Total 92.432 369


Between Groups .604 3 .201 .941 .421


Total 78.876 369


Between Groups .316 3 .105 .530 .662


Total 72.973 369


Between Groups .207 3 .069 .277 .842


Total 91.192 369


Between Groups .048 3 .016 .081 .971


Total 72.973 369

LAMPIRAN 20ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (TABUNGAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .36 .481 .025 .31 .41 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 8 .50 .535 .189 .05 .95 0 1

dipilih 362 .35 .477 .025 .30 .40 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 8 .00 .000 .000 .00 .00 0 0

dipilih 362 .23 .423 .022 .19 .28 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 8 .00 .000 .000 .00 .00 0 0

dipilih 362 .17 .372 .020 .13 .20 0 1

303

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .37 .484 .025 .32 .42 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .20 .404 .021 .16 .25 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 8 .63 .518 .183 .19 1.06 0 1

dipilih 362 .87 .334 .018 .84 .91 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 8 .00 .000 .000 .00 .00 0 0

dipilih 362 .01 .105 .006 .00 .02 0 1

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 8 .25 .463 .164 -.14 .64 0 1

dipilih 362 .78 .415 .022 .74 .82 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .49 .501 .026 .44 .55 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 8 .25 .463 .164 -.14 .64 0 1

dipilih 362 .31 .463 .024 .26 .36 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .27 .446 .023 .23 .32 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .45 .498 .026 .40 .50 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 8 .13 .354 .125 -.17 .42 0 1

dipilih 362 .27 .446 .023 .23 .32 0 1

Total 370 .27 .445 .023 .22 .32 0 1








304










ANOVA

Sum of

Squares

df Mean

Square

F Sig.


(Anggaran)

Between Groups .439 1 .439 1.913 .167


Total 84.908 369


(Investasi)

Between Groups .181 1 .181 .790 .375


Total 84.324 369


(Pajak)

Between Groups .421 1 .421 2.404 .122


Total 64.930 369


(Kredit)

Between Groups .215 1 .215 1.581 .209


Total 50.270 369


(Asuransi)

Between Groups .470 1 .470 2.030 .155


Total 85.743 369


(Kartu kredit)

Between Groups .049 1 .049 .304 .582


Total 59.797 369


(Tabungan)

Between Groups .481 1 .481 4.213 .041


Total 42.511 369


(Lain-lain)

Between Groups .001 1 .001 .089 .766


Total 3.957 369

Sumber peningkatan pengetahuan keuangan (Orang tua) Between Groups 2.190 1 2.19012.63

0.000

305


Total 66.011 369


Between Groups 1.068 1 1.068 4.304 .039


Total 92.432 369


Pendidikan)

Between Groups .028 1 .028 .129 .720


Total 78.876 369


Between Groups .173 1 .173 .872 .351


Total 72.973 369


Between Groups .814 1 .814 3.315 .069


Total 91.192 369


(Pengalaman Kerja)

Between Groups .173 1 .173 .872 .351


Total 72.973 369

LAMPIRAN 21ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (SAHAM)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 348 .34 .475 .025 .29 .39 0 1

dipilih 22 .59 .503 .107 .37 .81 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 348 .36 .480 .026 .31 .41 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 348 .22 .416 .022 .18 .27 0 1

dipilih 22 .32 .477 .102 .11 .53 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 348 .16 .363 .019 .12 .19 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 348 .35 .479 .026 .30 .40 0 1

dipilih 22 .55 .510 .109 .32 .77 0 1

306

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 348 .20 .399 .021 .16 .24 0 1

dipilih 22 .27 .456 .097 .07 .47 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 348 .87 .339 .018 .83 .90 0 1

dipilih 22 .86 .351 .075 .71 1.02 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 348 .01 .107 .006 .00 .02 0 1

dipilih 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 348 .77 .421 .023 .73 .81 0 1

dipilih 22 .73 .456 .097 .53 .93 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 348 .49 .501 .027 .43 .54 0 1

dipilih 22 .50 .512 .109 .27 .73 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 348 .30 .460 .025 .25 .35 0 1

dipilih 22 .41 .503 .107 .19 .63 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 348 .26 .437 .023 .21 .30 0 1

dipilih 22 .50 .512 .109 .27 .73 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 348 .44 .497 .027 .38 .49 0 1

dipilih 22 .50 .512 .109 .27 .73 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 348 .26 .440 .024 .22 .31 0 1

dipilih 22 .41 .503 .107 .19 .63 0 1

Total 370 .27 .445 .023 .22 .32 0 1











307







ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.282 1 1.282 5.644 .018


Total 84.908 369


Between Groups .145 1 .145 .632 .427


Total 84.324 369


Between Groups .194 1 .194 1.105 .294


Total 64.930 369


Between Groups .286 1 .286 2.105 .148


Total 50.270 369


Between Groups .763 1 .763 3.303 .070


Total 85.743 369


Between Groups .115 1 .115 .707 .401


Total 59.797 369


Between Groups .000 1 .000 .003 .955


Total 42.511 369


Between Groups .003 1 .003 .254 .614


Total 3.957 369

Sumber peningkatan pengetahuan keuangan (Orang tua)Between Groups .038 1 .038 .212 .646


308

Total 66.011 369


Between Groups .004 1 .004 .017 .896


Total 92.432 369


Pendidikan)

Between Groups .239 1 .239 1.116 .291


Total 78.876 369


Between Groups 1.234 1 1.234 6.332 .012


Total 72.973 369


Between Groups .083 1 .083 .334 .564


Total 91.192 369


Between Groups .451 1 .451 2.287 .131


Total 72.973 369

LAMPIRAN 22ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (OBLIGASI)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 363 .35 .477 .025 .30 .40 0 1

dipilih 7 .86 .378 .143 .51 1.21 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 363 .35 .477 .025 .30 .40 0 1

dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 363 .23 .419 .022 .18 .27 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 363 .16 .367 .019 .12 .20 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 363 .36 .482 .025 .31 .41 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

309

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 363 .20 .399 .021 .16 .24 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 363 .87 .339 .018 .83 .90 0 1

dipilih 7 .86 .378 .143 .51 1.21 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 363 .01 .105 .005 .00 .02 0 1

dipilih 7 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 363 .77 .422 .022 .73 .81 0 1

dipilih 7 .71 .488 .184 .26 1.17 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 363 .49 .501 .026 .44 .54 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 363 .30 .460 .024 .26 .35 0 1

dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 363 .26 .442 .023 .22 .31 0 1

dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 363 .44 .496 .026 .38 .49 0 1

dipilih 7 .71 .488 .184 .26 1.17 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 363 .27 .443 .023 .22 .31 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .27 .445 .023 .22 .32 0 1










310








ANOVA

Sum of Squares df Mean Square F Sig.


keluarga (Anggaran)

Between Groups 1.787 1 1.787 7.909 .005


Total 84.908 369



Between Groups .346 1 .346 1.514 .219


Total 84.324 369


keluarga (Pajak)

Between Groups .025 1 .025 .139 .709


Total 64.930 369


keluarga (Kredit)

Between Groups .109 1 .109 .799 .372


Total 50.270 369


keluarga (Asuransi)

Between Groups .029 1 .029 .124 .725


Total 85.743 369



Between Groups .364 1 .364 2.254 .134


Total 59.797 369


keluarga (Tabungan)

Between Groups .001 1 .001 .007 .935


Total 42.511 369



Between Groups .001 1 .001 .078 .781


Total 3.957 369



Between Groups .020 1 .020 .113 .737


Total 66.011 369

Sumber peningkatan pengetahuan Between Groups .288 1 .288 1.149 .285

311

keuangan (Teman) Within Groups 92.145 368 .250

Total 92.432 369



Between Groups .495 1 .495 2.323 .128


Total 78.876 369


keuangan (Buku)

Between Groups .647 1 .647 3.293 .070


Total 72.973 369


keuangan (Internet)

Between Groups .535 1 .535 2.170 .142


Total 91.192 369



Between Groups .179 1 .179 .904 .342


Total 72.973 369

LAMPIRAN 23ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (DEPOSITO)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 334 .34 .473 .026 .28 .39 0 1

dipilih 36 .56 .504 .084 .39 .73 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 334 .32 .468 .026 .27 .37 0 1

dipilih 36 .61 .494 .082 .44 .78 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 334 .22 .414 .023 .17 .26 0 1

dipilih 36 .31 .467 .078 .15 .46 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 334 .16 .363 .020 .12 .19 0 1

dipilih 36 .22 .422 .070 .08 .36 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 334 .34 .476 .026 .29 .40 0 1

dipilih 36 .56 .504 .084 .39 .73 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 334 .19 .389 .021 .14 .23 0 1

dipilih 36 .36 .487 .081 .20 .53 0 1

312

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 334 .87 .332 .018 .84 .91 0 1

dipilih 36 .81 .401 .067 .67 .94 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 334 .01 .109 .006 .00 .02 0 1

dipilih 36 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 334 .76 .427 .023 .71 .81 0 1

dipilih 36 .83 .378 .063 .71 .96 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 334 .49 .501 .027 .43 .54 0 1

dipilih 36 .50 .507 .085 .33 .67 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 334 .31 .464 .025 .26 .36 0 1

dipilih 36 .28 .454 .076 .12 .43 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 334 .25 .435 .024 .20 .30 0 1

dipilih 36 .44 .504 .084 .27 .61 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 334 .43 .496 .027 .38 .48 0 1

dipilih 36 .53 .506 .084 .36 .70 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 334 .26 .438 .024 .21 .30 0 1

dipilih 36 .39 .494 .082 .22 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1














313




ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.576 1 1.576 6.960 .009


Total 84.908 369


Between Groups 2.691 1 2.69112.13

1.001


Total 84.324 369


Between Groups .246 1 .246 1.399 .238


Total 64.930 369


Between Groups .144 1 .144 1.056 .305


Total 50.270 369


Between Groups 1.450 1 1.450 6.331 .012


Total 85.743 369


Between Groups 1.001 1 1.001 6.263 .013


Total 59.797 369


Between Groups .153 1 .153 1.332 .249


Total 42.511 369


Between Groups .005 1 .005 .434 .510


Total 3.957 369


Between Groups .172 1 .172 .964 .327


Total 66.011 369


Between Groups .007 1 .007 .029 .865


Total 92.432 369

Sumber peningkatan pengetahuan keuangan (Lembaga Pendidikan) Between Groups .037 1 .037 .171 .679

314


Total 78.876 369


Between Groups 1.210 1 1.210 6.204 .013


Total 72.973 369


Between Groups .304 1 .304 1.229 .268


Total 91.192 369


Between Groups .561 1 .561 2.852 .092


Total 72.973 369

LAMPIRAN 24ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (REKSADANA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 367 .35 .478 .025 .30 .40 0 1

dipilih 3 1.00 .000 .000 1.00 1.00 1 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 367 .35 .477 .025 .30 .40 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 367 .22 .417 .022 .18 .27 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 367 .16 .365 .019 .12 .20 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 367 .36 .481 .025 .31 .41 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 367 .20 .400 .021 .16 .24 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 367 .87 .341 .018 .83 .90 0 1

dipilih 3 1.00 .000 .000 1.00 1.00 1 1

315

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 367 .01 .104 .005 .00 .02 0 1

dipilih 3 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



tidak dipilih 367 .77 .422 .022 .73 .81 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 367 .49 .500 .026 .43 .54 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 367 .31 .461 .024 .26 .35 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 367 .26 .442 .023 .22 .31 0 1

dipilih 3 1.00 .000 .000 1.00 1.00 1 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 367 .44 .497 .026 .38 .49 0 1

dipilih 3 1.00 .000 .000 1.00 1.00 1 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 367 .27 .443 .023 .22 .31 0 1

dipilih 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















316

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.251 1 1.251 5.505 .019


Total 84.908 369


Between Groups .301 1 .301 1.317 .252


Total 84.324 369


Between Groups .585 1 .585 3.343 .068


Total 64.930 369


Between Groups .770 1 .770 5.723 .017


Total 50.270 369


Between Groups .275 1 .275 1.186 .277


Total 85.743 369


Between Groups .651 1 .651 4.051 .045


Total 59.797 369


Between Groups .053 1 .053 .460 .498


Total 42.511 369


Between Groups .000 1 .000 .033 .856


Total 3.957 369


Between Groups .031 1 .031 .172 .679


Total 66.011 369


Between Groups .098 1 .098 .391 .532


Total 92.432 369


Between Groups .389 1 .389 1.823 .178


Total 78.876 369

Sumber peningkatan pengetahuan keuangan (Buku)Between Groups 1.611 1 1.611 8.305 .004


317

Total 72.973 369


Between Groups .947 1 .947 3.860 .050


Total 91.192 369


Between Groups .475 1 .475 2.412 .121


Total 72.973 369

LAMPIRAN 25ONE-WAY ANOVA BERDASARKAN INSTRUMEN KEUANGAN (LAIN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 363 .36 .479 .025 .31 .40 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 363 .35 .477 .025 .30 .40 0 1

dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 363 .23 .419 .022 .18 .27 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 363 .16 .364 .019 .12 .19 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 363 .36 .480 .025 .31 .41 0 1

dipilih 7 .71 .488 .184 .26 1.17 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 363 .20 .401 .021 .16 .24 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 363 .87 .342 .018 .83 .90 0 1

dipilih 7 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 363 .01 .105 .005 .00 .02 0 1

dipilih 7 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1


318

keuangan (Orang tua) dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 363 .49 .501 .026 .44 .54 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 363 .30 .459 .024 .25 .35 0 1

dipilih 7 .71 .488 .184 .26 1.17 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 363 .26 .442 .023 .22 .31 0 1

dipilih 7 .57 .535 .202 .08 1.07 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 363 .44 .497 .026 .39 .49 0 1

dipilih 7 .43 .535 .202 -.07 .92 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 363 .27 .445 .023 .22 .32 0 1

dipilih 7 .29 .488 .184 -.17 .74 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















319

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .037 1 .037 .160 .690


Total 84.908 369


Between Groups .346 1 .346 1.514 .219


Total 84.324 369


Between Groups .025 1 .025 .139 .709


Total 64.930 369


Between Groups .506 1 .506 3.745 .054


Total 50.270 369


Between Groups .871 1 .871 3.777 .053


Total 85.743 369


Between Groups .049 1 .049 .303 .582


Total 59.797 369


Between Groups .125 1 .125 1.086 .298


Total 42.511 369


Between Groups .001 1 .001 .078 .781


Total 3.957 369


Between Groups .274 1 .274 1.537 .216


Total 66.011 369


Between Groups .024 1 .024 .095 .758


Total 92.432 369


Between Groups 1.177 1 1.177 5.575 .019


Total 78.876 369


Between Groups .647 1 .647 3.293 .070


Total 72.973 369

320


Between Groups .001 1 .001 .004 .949


Total 91.192 369


Between Groups .002 1 .002 .009 .926


Total 72.973 369

LAMPIRAN 26ONE-WAY ANOVA BERDASARKAN JUMLAH KARTU KREDIT YANG DIMILIKI RESPONDEN

Descriptives

N Mean Std.

Deviation

Std. Error 95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


0 331 .98 .122 .007 .97 1.00 0 1

1 28 .96 .189 .036 .89 1.04 0 1

2 8 .75 .463 .164 .36 1.14 0 1

3 3 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


0 331 .06 .233 .013 .03 .08 0 1

1 28 .00 .000 .000 .00 .00 0 0

2 8 .38 .518 .183 -.06 .81 0 1

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


0 331 .01 .109 .006 .00 .02 0 1

1 28 .07 .262 .050 -.03 .17 0 1

2 8 .13 .354 .125 -.17 .42 0 1

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


0 331 .08 .279 .015 .05 .11 0 1

1 28 .07 .262 .050 -.03 .17 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .10 .297 .015 .07 .13 0 1


0 331 .01 .078 .004 .00 .01 0 1

1 28 .00 .000 .000 .00 .00 0 0

2 8 .13 .354 .125 -.17 .42 0 1

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1

321


0 331 .02 .144 .008 .01 .04 0 1

1 28 .00 .000 .000 .00 .00 0 0

2 8 .00 .000 .000 .00 .00 0 0

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


keluarga (Anggaran)

0 331 .35 .477 .026 .30 .40 0 1

1 28 .39 .497 .094 .20 .59 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .36 .480 .025 .31 .41 0 1



0 331 .34 .475 .026 .29 .39 0 1

1 28 .43 .504 .095 .23 .62 0 1

2 8 .38 .518 .183 -.06 .81 0 1

3 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

0 331 .22 .413 .023 .17 .26 0 1

1 28 .25 .441 .083 .08 .42 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

0 331 .16 .364 .020 .12 .20 0 1

1 28 .18 .390 .074 .03 .33 0 1

2 8 .25 .463 .164 -.14 .64 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

0 331 .36 .480 .026 .30 .41 0 1

1 28 .39 .497 .094 .20 .59 0 1

2 8 .63 .518 .183 .19 1.06 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .36 .482 .025 .32 .41 0 1



0 331 .18 .381 .021 .13 .22 0 1

1 28 .39 .497 .094 .20 .59 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

0 331 .89 .316 .017 .85 .92 0 1

1 28 .68 .476 .090 .49 .86 0 1

2 8 .75 .463 .164 .36 1.14 0 1

3 3 .67 .577 .333 -.77 2.10 0 1

Total 370 .87 .339 .018 .83 .90 0 1

322



0 331 .01 .078 .004 .00 .01 0 1

1 28 .07 .262 .050 -.03 .17 0 1

2 8 .00 .000 .000 .00 .00 0 0

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1


(Orang tua)

0 331 .76 .425 .023 .72 .81 0 1

1 28 .75 .441 .083 .58 .92 0 1

2 8 .88 .354 .125 .58 1.17 0 1

3 3 1.00 .000 .000 1.00 1.00 1 1

Total 370 .77 .423 .022 .72 .81 0 1


(Teman)

0 331 .50 .501 .028 .44 .55 0 1

1 28 .36 .488 .092 .17 .55 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .49 .500 .026 .44 .54 0 1



0 331 .31 .461 .025 .26 .35 0 1

1 28 .32 .476 .090 .14 .51 0 1

2 8 .38 .518 .183 -.06 .81 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .31 .462 .024 .26 .36 0 1


(Buku)

0 331 .27 .442 .024 .22 .31 0 1

1 28 .36 .488 .092 .17 .55 0 1

2 8 .25 .463 .164 -.14 .64 0 1

3 3 .00 .000 .000 .00 .00 0 0

Total 370 .27 .445 .023 .22 .32 0 1


(Internet)

0 331 .44 .497 .027 .38 .49 0 1

1 28 .50 .509 .096 .30 .70 0 1

2 8 .50 .535 .189 .05 .95 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .44 .497 .026 .39 .49 0 1


(Pengalaman Kerja)

0 331 .26 .438 .024 .21 .30 0 1

1 28 .39 .497 .094 .20 .59 0 1

2 8 .38 .518 .183 -.06 .81 0 1

3 3 .33 .577 .333 -1.10 1.77 0 1

Total 370 .27 .445 .023 .22 .32 0 1




323




















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .438 3 .146 7.237 .000


Total 7.827 369


Between Groups .908 3 .303 5.596 .001


Total 20.692 369


Between Groups .184 3 .061 3.354 .019


Total 6.868 369


Between Groups 2.342 3 .781 9.475 .000


Total 32.497 369


Between Groups .113 3 .038 4.805 .003


Total 2.976 369

Instrumen keuangan yang dimiliki (Lain-lain) Between Groups .016 3 .005 .278 .841

324


Total 6.868 369


Between Groups .518 3 .173 .748 .524


Total 84.908 369


Between Groups .503 3 .168 .731 .534


Total 84.324 369


Between Groups .675 3 .225 1.281 .281


Total 64.930 369


Between Groups .166 3 .055 .403 .751


Total 50.270 369


Between Groups .589 3 .196 .845 .470


Total 85.743 369


Between Groups 2.615 3 .872 5.580 .001


Total 59.797 369


Between Groups 1.373 3 .458 4.072 .007


Total 42.511 369


Between Groups .112 3 .037 3.544 .015


Total 3.957 369


Between Groups .266 3 .089 .494 .686


Total 66.011 369


Between Groups .588 3 .196 .781 .505


Total 92.432 369


Pendidikan)

Between Groups .046 3 .015 .071 .976


Total 78.876 369


Between Groups .440 3 .147 .740 .529


Total 72.973 369

Sumber peningkatan pengetahuan keuangan (Internet)Between Groups .172 3 .057 .230 .875


325

Total 91.192 369


Between Groups .581 3 .194 .978 .403


Total 72.973 369

LAMPIRAN 27ONE-WAY ANOVA BERDASARKAN PEMBAYARAN KARTU KREDIT

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Min Maximum

Lower

Bound

Upper

Bound


(Tabungan)

0 331 .98 .122 .007 .97 1.00 0 1

Respoden membayar batas

minimum8 .88 .354 .125 .58 1.17 0 1

Respoden membayar secara

penuh tagihan kartu kredit8 1.00 .000 .000 1.00 1.00 1 1

Orang tua respoden

membayar tagihan kartu

kredit

23 .91 .288 .060 .79 1.04 0 1

Total 370 .98 .146 .008 .96 .99 0 1


0 331 .06 .233 .013 .03 .08 0 1


minimum8 .13 .354 .125 -.17 .42 0 1


penuh tagihan kartu kredit8 .00 .000 .000 .00 .00 0 0

Orang tua respoden


kredit

23 .09 .288 .060 -.04 .21 0 1

Total 370 .06 .237 .012 .04 .08 0 1


0 331 .01 .109 .006 .00 .02 0 1


minimum8 .13 .354 .125 -.17 .42 0 1



Orang tua respoden


kredit

23 .09 .288 .060 -.04 .21 0 1

Total 370 .02 .136 .007 .00 .03 0 1

326


0 331 .08 .279 .015 .05 .11 0 1


minimum8 .00 .000 .000 .00 .00 0 0


penuh tagihan kartu kredit8 .38 .518 .183 -.06 .81 0 1

Orang tua respoden


kredit

23 .22 .422 .088 .04 .40 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

0 331 .01 .078 .004 .00 .01 0 1


minimum8 .00 .000 .000 .00 .00 0 0



Orang tua respoden


kredit

23 .04 .209 .043 -.05 .13 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

0 331 .02 .144 .008 .01 .04 0 1


minimum8 .00 .000 .000 .00 .00 0 0



Orang tua respoden


kredit

23 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


keluarga (Anggaran)

0 331 .35 .477 .026 .30 .40 0 1


minimum8 .63 .518 .183 .19 1.06 0 1



Orang tua respoden


kredit

23 .35 .487 .102 .14 .56 0 1

Total 370 .36 .480 .025 .31 .41 0 1



0 331 .34 .475 .026 .29 .39 0 1


minimum8 .13 .354 .125 -.17 .42 0 1

327



Orang tua respoden


kredit

23 .52 .511 .106 .30 .74 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

0 331 .22 .413 .023 .17 .26 0 1


minimum8 .25 .463 .164 -.14 .64 0 1



Orang tua respoden


kredit

23 .39 .499 .104 .18 .61 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

0 331 .16 .364 .020 .12 .20 0 1


minimum8 .25 .463 .164 -.14 .64 0 1



Orang tua respoden


kredit

23 .22 .422 .088 .04 .40 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

0 331 .36 .480 .026 .30 .41 0 1


minimum8 .13 .354 .125 -.17 .42 0 1



Orang tua respoden


kredit

23 .57 .507 .106 .35 .78 0 1

Total 370 .36 .482 .025 .32 .41 0 1



0 331 .18 .381 .021 .13 .22 0 1


minimum8 .25 .463 .164 -.14 .64 0 1



328

Orang tua respoden


kredit

23 .52 .511 .106 .30 .74 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

0 331 .89 .316 .017 .85 .92 0 1


minimum8 .75 .463 .164 .36 1.14 0 1



Orang tua respoden


kredit

23 .74 .449 .094 .54 .93 0 1

Total 370 .87 .339 .018 .83 .90 0 1



0 331 .01 .078 .004 .00 .01 0 1


minimum8 .13 .354 .125 -.17 .42 0 1



Orang tua respoden


kredit

23 .04 .209 .043 -.05 .13 0 1

Total 370 .01 .104 .005 .00 .02 0 1


(Orang tua)

0 331 .76 .425 .023 .72 .81 0 1


minimum8 .75 .463 .164 .36 1.14 0 1


penuh tagihan kartu kredit8 .75 .463 .164 .36 1.14 0 1

Orang tua respoden


kredit

23 .83 .388 .081 .66 .99 0 1

Total 370 .77 .423 .022 .72 .81 0 1


(Teman)

0 331 .50 .501 .028 .44 .55 0 1


minimum8 .38 .518 .183 -.06 .81 0 1



Orang tua respoden


kredit

23 .39 .499 .104 .18 .61 0 1

Total 370 .49 .500 .026 .44 .54 0 1

329



0 331 .31 .461 .025 .26 .35 0 1


minimum8 .38 .518 .183 -.06 .81 0 1



Orang tua respoden


kredit

23 .35 .487 .102 .14 .56 0 1

Total 370 .31 .462 .024 .26 .36 0 1


(Buku)

0 331 .27 .442 .024 .22 .31 0 1


minimum8 .13 .354 .125 -.17 .42 0 1



Orang tua respoden


kredit

23 .39 .499 .104 .18 .61 0 1

Total 370 .27 .445 .023 .22 .32 0 1


(Internet)

0 331 .44 .497 .027 .38 .49 0 1


minimum8 .13 .354 .125 -.17 .42 0 1



Orang tua respoden


kredit

23 .61 .499 .104 .39 .82 0 1

Total 370 .44 .497 .026 .39 .49 0 1


(Pengalaman Kerja)

0 331 .26 .438 .024 .21 .30 0 1


minimum8 .25 .463 .164 -.14 .64 0 1


penuh tagihan kartu kredit8 .75 .463 .164 .36 1.14 0 1

Orang tua respoden


kredit

23 .30 .470 .098 .10 .51 0 1

Total 370 .27 .445 .023 .22 .32 0 1



330





















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between

Groups.201 3 .067 3.223 .023

Within

Groups7.626 366 .021

Total 7.827 369


Between

Groups.081 3 .027 .482 .695

Within

Groups20.610 366 .056

Total 20.692 369

Instrumen keuangan yang dimiliki (Obligasi)Between

Groups.215 3 .072 3.939 .009

331

Within

Groups6.653 366 .018

Total 6.868 369


Between

Groups1.078 3 .359 4.185 .006

Within

Groups31.419 366 .086

Total 32.497 369


Between

Groups.031 3 .010 1.294 .276

Within

Groups2.944 366 .008

Total 2.976 369


Between

Groups.016 3 .005 .278 .841

Within

Groups6.852 366 .019

Total 6.868 369


Between

Groups.770 3 .257 1.117 .342

Within

Groups84.138 366 .230

Total 84.908 369


Between

Groups1.287 3 .429 1.891 .131

Within

Groups83.037 366 .227

Total 84.324 369


Between

Groups.738 3 .246 1.403 .242

Within

Groups64.192 366 .175

Total 64.930 369


Between

Groups.151 3 .050 .369 .776

Within

Groups50.119 366 .137

Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)Between

Groups1.408 3 .469 2.036 .108

332

Within

Groups84.336 366 .230

Total 85.743 369


Between

Groups2.846 3 .949 6.097 .000

Within

Groups56.951 366 .156

Total 59.797 369


Between

Groups1.712 3 .571 5.119 .002

Within

Groups40.799 366 .111

Total 42.511 369


Between

Groups.137 3 .046 4.386 .005

Within

Groups3.819 366 .010

Total 3.957 369


Between

Groups.087 3 .029 .161 .922

Within

Groups65.924 366 .180

Total 66.011 369


Between

Groups.455 3 .152 .603 .613

Within

Groups91.978 366 .251

Total 92.432 369


Between

Groups.102 3 .034 .158 .924

Within

Groups78.774 366 .215

Total 78.876 369


Between

Groups.515 3 .172 .868 .458

Within

Groups72.457 366 .198

Total 72.973 369

Sumber peningkatan pengetahuan keuangan (Internet)Between

Groups1.485 3 .495 2.020 .111

333

Within

Groups89.707 366 .245

Total 91.192 369


Between

Groups1.931 3 .644 3.316 .020

Within

Groups71.042 366 .194

Total 72.973 369

LAMPIRAN 28ONE-WAY ANOVA BERDASARKAN KEBIASAAN MEMBUAT ANGGARAN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

Sering 100 .94 .239 .024 .89 .99 0 1

Kadang-kadang 248 .99 .090 .006 .98 1.00 0 1

Tidak Pernah 22 1.00 .000 .000 1.00 1.00 1 1

Total 370 .98 .146 .008 .96 .99 0 1


(Saham)

Sering 100 .06 .239 .024 .01 .11 0 1

Kadang-kadang 248 .06 .246 .016 .03 .10 0 1

Tidak Pernah 22 .00 .000 .000 .00 .00 0 0

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

Sering 100 .02 .141 .014 -.01 .05 0 1

Kadang-kadang 248 .02 .141 .009 .00 .04 0 1

Tidak Pernah 22 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

Sering 100 .16 .368 .037 .09 .23 0 1

Kadang-kadang 248 .07 .260 .017 .04 .11 0 1

Tidak Pernah 22 .09 .294 .063 -.04 .22 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

Sering 100 .01 .100 .010 -.01 .03 0 1

Kadang-kadang 248 .01 .090 .006 .00 .02 0 1

Tidak Pernah 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

Sering 100 .01 .100 .010 -.01 .03 0 1

Kadang-kadang 248 .02 .154 .010 .00 .04 0 1

Tidak Pernah 22 .00 .000 .000 .00 .00 0 0

334

Total 370 .02 .136 .007 .00 .03 0 1



Sering 100 .33 .473 .047 .24 .42 0 1

Kadang-kadang 248 .37 .484 .031 .31 .43 0 1

Tidak Pernah 22 .32 .477 .102 .11 .53 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Sering 100 .39 .490 .049 .29 .49 0 1

Kadang-kadang 248 .33 .473 .030 .28 .39 0 1

Tidak Pernah 22 .36 .492 .105 .15 .58 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Sering 100 .24 .429 .043 .15 .33 0 1

Kadang-kadang 248 .23 .422 .027 .18 .28 0 1

Tidak Pernah 22 .14 .351 .075 -.02 .29 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Sering 100 .14 .349 .035 .07 .21 0 1

Kadang-kadang 248 .17 .376 .024 .12 .22 0 1

Tidak Pernah 22 .18 .395 .084 .01 .36 0 1

Total 370 .16 .369 .019 .12 .20 0 1



Sering 100 .38 .488 .049 .28 .48 0 1

Kadang-kadang 248 .35 .479 .030 .29 .41 0 1

Tidak Pernah 22 .41 .503 .107 .19 .63 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Sering 100 .17 .378 .038 .10 .24 0 1

Kadang-kadang 248 .21 .408 .026 .16 .26 0 1

Tidak Pernah 22 .27 .456 .097 .07 .47 0 1

Total 370 .20 .403 .021 .16 .24 0 1



Sering 100 .87 .338 .034 .80 .94 0 1

Kadang-kadang 248 .87 .340 .022 .82 .91 0 1

Tidak Pernah 22 .86 .351 .075 .71 1.02 0 1

Total 370 .87 .339 .018 .83 .90 0 1



Sering 100 .01 .100 .010 -.01 .03 0 1

Kadang-kadang 248 .01 .110 .007 .00 .03 0 1

Tidak Pernah 22 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



Sering 100 .74 .441 .044 .65 .83 0 1

Kadang-kadang 248 .77 .422 .027 .72 .82 0 1

Tidak Pernah 22 .86 .351 .075 .71 1.02 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Sering 100 .52 .502 .050 .42 .62 0 1

Kadang-kadang 248 .48 .501 .032 .42 .54 0 1

Tidak Pernah 22 .41 .503 .107 .19 .63 0 1

335

Total 370 .49 .500 .026 .44 .54 0 1



Sering 100 .27 .446 .045 .18 .36 0 1

Kadang-kadang 248 .33 .470 .030 .27 .39 0 1

Tidak Pernah 22 .27 .456 .097 .07 .47 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Sering 100 .32 .469 .047 .23 .41 0 1

Kadang-kadang 248 .25 .434 .028 .20 .30 0 1

Tidak Pernah 22 .27 .456 .097 .07 .47 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Sering 100 .45 .500 .050 .35 .55 0 1

Kadang-kadang 248 .44 .497 .032 .38 .50 0 1

Tidak Pernah 22 .41 .503 .107 .19 .63 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Sering 100 .31 .465 .046 .22 .40 0 1

Kadang-kadang 248 .26 .438 .028 .20 .31 0 1

Tidak Pernah 22 .23 .429 .091 .04 .42 0 1

Total 370 .27 .445 .023 .22 .32 0 1






















336


ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .203 2 .102 4.890 .008


Total 7.827 369


Between Groups .084 2 .042 .749 .473


Total 20.692 369


Between Groups .008 2 .004 .224 .799


Total 6.868 369


Between Groups .546 2 .273 3.133 .045


Total 32.497 369


Between Groups .002 2 .001 .111 .895


Total 2.976 369


Between Groups .023 2 .011 .609 .544


Total 6.868 369


Between Groups .154 2 .077 .334 .716


Total 84.908 369


Between Groups .222 2 .111 .484 .617


Total 84.324 369


Between Groups .200 2 .100 .566 .568


Total 64.930 369


Between Groups .070 2 .035 .258 .773


Total 50.270 369


Between Groups .091 2 .045 .195 .823


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit) Between Groups .227 2 .113 .699 .498

337


Total 59.797 369


Between Groups .001 2 .001 .004 .996


Total 42.511 369


Between Groups .003 2 .002 .141 .868


Total 3.957 369


Between Groups .281 2 .140 .784 .457


Total 66.011 369


Between Groups .255 2 .128 .508 .602


Total 92.432 369


Pendidikan)

Between Groups .258 2 .129 .601 .549


Total 78.876 369


Between Groups .349 2 .175 .883 .415


Total 72.973 369


Between Groups .031 2 .015 .062 .940


Total 91.192 369


Between Groups .235 2 .118 .594 .553


Total 72.973 369

LAMPIRAN 29ONE-WAY ANOVA BERDASARKAN PERNYATAAN FINANCIAL BEHAVIOR

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Tabungan)

1 3 .67 .577 .333 -.77 2.10 0 1

2 32 .94 .246 .043 .85 1.03 0 1

3 219 .99 .095 .006 .98 1.00 0 1

4 107 .98 .136 .013 .96 1.01 0 1

5 9 .89 .333 .111 .63 1.15 0 1

338

Total 370 .98 .146 .008 .96 .99 0 1


1 3 .00 .000 .000 .00 .00 0 0

2 32 .06 .246 .043 -.03 .15 0 1

3 219 .05 .209 .014 .02 .07 0 1

4 107 .07 .264 .026 .02 .13 0 1

5 9 .22 .441 .147 -.12 .56 0 1

Total 370 .06 .237 .012 .04 .08 0 1


(Obligasi)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .03 .177 .031 -.03 .09 0 1

3 219 .00 .068 .005 .00 .01 0 1

4 107 .03 .166 .016 .00 .06 0 1

5 9 .22 .441 .147 -.12 .56 0 1

Total 370 .02 .136 .007 .00 .03 0 1


(Deposito)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .16 .369 .065 .02 .29 0 1

3 219 .06 .245 .017 .03 .10 0 1

4 107 .14 .349 .034 .07 .21 0 1

5 9 .22 .441 .147 -.12 .56 0 1

Total 370 .10 .297 .015 .07 .13 0 1


(Reksadana)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .03 .177 .031 -.03 .09 0 1

3 219 .00 .000 .000 .00 .00 0 0

4 107 .01 .097 .009 -.01 .03 0 1

5 9 .11 .333 .111 -.15 .37 0 1

Total 370 .01 .090 .005 .00 .02 0 1


(Lain-lain)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .00 .000 .000 .00 .00 0 0

3 219 .00 .068 .005 .00 .01 0 1

4 107 .06 .231 .022 .01 .10 0 1

5 9 .00 .000 .000 .00 .00 0 0

Total 370 .02 .136 .007 .00 .03 0 1


keluarga (Anggaran)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .31 .471 .083 .14 .48 0 1

3 219 .34 .474 .032 .27 .40 0 1

4 107 .38 .488 .047 .29 .48 0 1

5 9 .67 .500 .167 .28 1.05 0 1

Total 370 .36 .480 .025 .31 .41 0 1



1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .34 .483 .085 .17 .52 0 1

3 219 .29 .456 .031 .23 .35 0 1

339

4 107 .46 .501 .048 .36 .55 0 1

5 9 .56 .527 .176 .15 .96 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .19 .397 .070 .04 .33 0 1

3 219 .20 .402 .027 .15 .25 0 1

4 107 .27 .447 .043 .19 .36 0 1

5 9 .44 .527 .176 .04 .85 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .09 .296 .052 -.01 .20 0 1

3 219 .16 .363 .025 .11 .20 0 1

4 107 .19 .392 .038 .11 .26 0 1

5 9 .22 .441 .147 -.12 .56 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .19 .397 .070 .04 .33 0 1

3 219 .34 .474 .032 .27 .40 0 1

4 107 .47 .501 .048 .37 .56 0 1

5 9 .44 .527 .176 .04 .85 0 1

Total 370 .36 .482 .025 .32 .41 0 1



1 3 .00 .000 .000 .00 .00 0 0

2 32 .06 .246 .043 -.03 .15 0 1

3 219 .19 .395 .027 .14 .24 0 1

4 107 .25 .436 .042 .17 .34 0 1

5 9 .44 .527 .176 .04 .85 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

1 3 1.00 .000 .000 1.00 1.00 1 1

2 32 .78 .420 .074 .63 .93 0 1

3 219 .89 .313 .021 .85 .93 0 1

4 107 .85 .358 .035 .78 .92 0 1

5 9 .78 .441 .147 .44 1.12 0 1

Total 370 .87 .339 .018 .83 .90 0 1



1 3 .00 .000 .000 .00 .00 0 0

2 32 .00 .000 .000 .00 .00 0 0

3 219 .01 .095 .006 .00 .02 0 1

4 107 .02 .136 .013 -.01 .04 0 1

5 9 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan pengetahuan 1 3 1.00 .000 .000 1.00 1.00 1 1

340

keuangan (Orang tua) 2 32 .75 .440 .078 .59 .91 0 1

3 219 .77 .424 .029 .71 .82 0 1

4 107 .78 .419 .041 .70 .86 0 1

5 9 .67 .500 .167 .28 1.05 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .41 .499 .088 .23 .59 0 1

3 219 .51 .501 .034 .44 .57 0 1

4 107 .48 .502 .049 .38 .57 0 1

5 9 .56 .527 .176 .15 .96 0 1

Total 370 .49 .500 .026 .44 .54 0 1



1 3 .00 .000 .000 .00 .00 0 0

2 32 .25 .440 .078 .09 .41 0 1

3 219 .32 .467 .032 .26 .38 0 1

4 107 .33 .471 .046 .24 .42 0 1

5 9 .11 .333 .111 -.15 .37 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .22 .420 .074 .07 .37 0 1

3 219 .26 .437 .030 .20 .31 0 1

4 107 .33 .471 .046 .24 .42 0 1

5 9 .22 .441 .147 -.12 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

1 3 .00 .000 .000 .00 .00 0 0

2 32 .31 .471 .083 .14 .48 0 1

3 219 .44 .498 .034 .38 .51 0 1

4 107 .47 .501 .048 .37 .56 0 1

5 9 .67 .500 .167 .28 1.05 0 1

Total 370 .44 .497 .026 .39 .49 0 1



1 3 .33 .577 .333 -1.10 1.77 0 1

2 32 .31 .471 .083 .14 .48 0 1

3 219 .23 .424 .029 .18 .29 0 1

4 107 .33 .471 .046 .24 .42 0 1

5 9 .33 .500 .167 -.05 .72 0 1

Total 370 .27 .445 .023 .22 .32 0 1



341





















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .452 4 .113 5.594 .000


Total 7.827 369


Between Groups .316 4 .079 1.416 .228


Total 20.692 369


Between Groups .432 4 .108 6.124 .000


Total 6.868 369


Between Groups .721 4 .180 2.070 .084


Total 32.497 369

342


Between Groups .127 4 .032 4.081 .003


Total 2.976 369


Between Groups .209 4 .052 2.858 .024


Total 6.868 369


(Anggaran)

Between Groups 1.081 4 .270 1.177 .321


Total 84.908 369


(Investasi)

Between Groups 2.359 4 .590 2.626 .034


Total 84.324 369


Between Groups .866 4 .216 1.233 .296


Total 64.930 369


Between Groups .346 4 .087 .633 .639


Total 50.270 369


(Asuransi)

Between Groups 2.348 4 .587 2.570 .038


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu

kredit)

Between Groups 1.568 4 .392 2.457 .045


Total 59.797 369


(Tabungan)

Between Groups .509 4 .127 1.106 .353


Total 42.511 369


(Lain-lain)

Between Groups .012 4 .003 .287 .886


Total 3.957 369


Between Groups .271 4 .068 .376 .826


Total 66.011 369


Between Groups 1.060 4 .265 1.059 .377


Total 92.432 369


Pendidikan)

Between Groups .810 4 .202 .947 .437


Total 78.876 369

Sumber peningkatan pengetahuan keuangan (Buku) Between Groups .717 4 .179 .905 .461

343


Total 72.973 369


Between Groups 1.645 4 .411 1.676 .155


Total 91.192 369


Kerja)

Between Groups .757 4 .189 .956 .432


Total 72.973 369

LAMPIRAN 30ONE-WAY ANOVA BERDASARKAN SUMBER PEMBELAJARAN PENGELOLAAN KEUANGAN

PRIBADI (ORANG TUA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



sangat tidak yakin 16 .44 .512 .128 .16 .71 0 1

tidak yakin 7 .14 .378 .143 -.21 .49 0 1

netral 41 .37 .488 .076 .21 .52 0 1

yakin 133 .29 .457 .040 .21 .37 0 1

sangat yakin 173 .40 .492 .037 .33 .48 0 1

Total 370 .36 .480 .025 .31 .41 0 1




tidak yakin 7 .29 .488 .184 -.17 .74 0 1

netral 41 .27 .449 .070 .13 .41 0 1

yakin 133 .27 .446 .039 .19 .35 0 1

sangat yakin 173 .44 .498 .038 .36 .51 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 7 .14 .378 .143 -.21 .49 0 1

netral 41 .17 .381 .059 .05 .29 0 1

yakin 133 .19 .392 .034 .12 .26 0 1

sangat yakin 173 .27 .446 .034 .20 .34 0 1

Total 370 .23 .419 .022 .18 .27 0 1



sangat tidak yakin 16 .19 .403 .101 -.03 .40 0 1

tidak yakin 7 .14 .378 .143 -.21 .49 0 1

netral 41 .10 .300 .047 .00 .19 0 1

yakin 133 .12 .327 .028 .06 .18 0 1

sangat yakin 173 .21 .407 .031 .15 .27 0 1

344

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 7 .14 .378 .143 -.21 .49 0 1

netral 41 .20 .401 .063 .07 .32 0 1

yakin 133 .36 .482 .042 .28 .44 0 1

sangat yakin 173 .44 .498 .038 .36 .51 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 7 .29 .488 .184 -.17 .74 0 1

netral 41 .10 .300 .047 .00 .19 0 1

yakin 133 .20 .398 .035 .13 .26 0 1

sangat yakin 173 .23 .423 .032 .17 .29 0 1

Total 370 .20 .403 .021 .16 .24 0 1




tidak yakin 7 .71 .488 .184 .26 1.17 0 1

netral 41 .80 .401 .063 .68 .93 0 1

yakin 133 .88 .327 .028 .82 .94 0 1

sangat yakin 173 .90 .306 .023 .85 .94 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 7 .00 .000 .000 .00 .00 0 0

netral 41 .02 .156 .024 -.02 .07 0 1

yakin 133 .00 .000 .000 .00 .00 0 0

sangat yakin 173 .02 .131 .010 .00 .04 0 1

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 7 .43 .535 .202 -.07 .92 0 1

netral 41 .61 .494 .077 .45 .77 0 1

yakin 133 .74 .438 .038 .67 .82 0 1

sangat yakin 173 .86 .347 .026 .81 .91 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 7 .43 .535 .202 -.07 .92 0 1

netral 41 .41 .499 .078 .26 .57 0 1

yakin 133 .50 .502 .044 .42 .59 0 1

sangat yakin 173 .52 .501 .038 .45 .60 0 1

Total 370 .49 .500 .026 .44 .54 0 1




tidak yakin 7 .43 .535 .202 -.07 .92 0 1

netral 41 .24 .435 .068 .11 .38 0 1

345

yakin 133 .27 .446 .039 .19 .35 0 1

sangat yakin 173 .34 .473 .036 .26 .41 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 7 .29 .488 .184 -.17 .74 0 1

netral 41 .29 .461 .072 .15 .44 0 1

yakin 133 .26 .442 .038 .19 .34 0 1

sangat yakin 173 .27 .443 .034 .20 .33 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 7 .29 .488 .184 -.17 .74 0 1

netral 41 .39 .494 .077 .23 .55 0 1

yakin 133 .44 .499 .043 .36 .53 0 1

sangat yakin 173 .45 .499 .038 .38 .53 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 7 .29 .488 .184 -.17 .74 0 1

netral 41 .39 .494 .077 .23 .55 0 1

yakin 133 .23 .420 .036 .15 .30 0 1

sangat yakin 173 .30 .460 .035 .23 .37 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















346

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.361 4 .340 1.487 .206


Total 84.908 369


Between Groups 2.541 4 .635 2.835 .024


Total 84.324 369


Between Groups .736 4 .184 1.046 .383


Total 64.930 369


Between Groups .782 4 .196 1.442 .220


Total 50.270 369


Between Groups 3.408 4 .852 3.777 .005


Total 85.743 369


Between Groups .653 4 .163 1.007 .404


Total 59.797 369


Between Groups 1.003 4 .251 2.206 .068


Total 42.511 369


Between Groups .033 4 .008 .771 .544


Total 3.957 369


Between Groups 4.562 4 1.140 6.774 .000


Total 66.011 369


Between Groups 1.902 4 .476 1.917 .107


Total 92.432 369


Between Groups .852 4 .213 .997 .409


Total 78.876 369


347


Total 72.973 369


Between Groups .348 4 .087 .349 .844


Total 91.192 369


Between Groups 2.185 4 .546 2.817 .025


Total 72.973 369


PRIBADI (TEMAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound




tidak yakin 31 .45 .506 .091 .27 .64 0 1

netral 138 .28 .452 .038 .21 .36 0 1

yakin 153 .39 .488 .039 .31 .46 0 1

sangat yakin 31 .45 .506 .091 .27 .64 0 1

Total 370 .36 .480 .025 .31 .41 0 1




tidak yakin 31 .32 .475 .085 .15 .50 0 1

netral 138 .33 .470 .040 .25 .41 0 1

yakin 153 .35 .479 .039 .28 .43 0 1

sangat yakin 31 .48 .508 .091 .30 .67 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 31 .19 .402 .072 .05 .34 0 1

netral 138 .22 .419 .036 .15 .30 0 1

yakin 153 .22 .413 .033 .15 .28 0 1

sangat yakin 31 .35 .486 .087 .18 .53 0 1

Total 370 .23 .419 .022 .18 .27 0 1




tidak yakin 31 .23 .425 .076 .07 .38 0 1

netral 138 .12 .330 .028 .07 .18 0 1

yakin 153 .16 .365 .029 .10 .22 0 1

348

sangat yakin 31 .29 .461 .083 .12 .46 0 1

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 31 .23 .425 .076 .07 .38 0 1

netral 138 .36 .482 .041 .28 .44 0 1

yakin 153 .39 .490 .040 .31 .47 0 1

sangat yakin 31 .39 .495 .089 .21 .57 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 31 .23 .425 .076 .07 .38 0 1

netral 138 .17 .380 .032 .11 .24 0 1

yakin 153 .18 .388 .031 .12 .24 0 1

sangat yakin 31 .32 .475 .085 .15 .50 0 1

Total 370 .20 .403 .021 .16 .24 0 1




tidak yakin 31 .81 .402 .072 .66 .95 0 1

netral 138 .87 .338 .029 .81 .93 0 1

yakin 153 .92 .280 .023 .87 .96 0 1

sangat yakin 31 .77 .425 .076 .62 .93 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 31 .00 .000 .000 .00 .00 0 0

netral 138 .01 .085 .007 -.01 .02 0 1

yakin 153 .01 .081 .007 -.01 .02 0 1

sangat yakin 31 .06 .250 .045 -.03 .16 0 1

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 31 .71 .461 .083 .54 .88 0 1

netral 138 .77 .424 .036 .70 .84 0 1

yakin 153 .78 .413 .033 .72 .85 0 1

sangat yakin 31 .84 .374 .067 .70 .98 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 31 .29 .461 .083 .12 .46 0 1

netral 138 .43 .498 .042 .35 .52 0 1

yakin 153 .59 .493 .040 .52 .67 0 1

sangat yakin 31 .55 .506 .091 .36 .73 0 1

Total 370 .49 .500 .026 .44 .54 0 1




tidak yakin 31 .35 .486 .087 .18 .53 0 1

349

netral 138 .29 .455 .039 .21 .37 0 1

yakin 153 .33 .471 .038 .25 .40 0 1

sangat yakin 31 .32 .475 .085 .15 .50 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 31 .23 .425 .076 .07 .38 0 1

netral 138 .26 .441 .038 .19 .34 0 1

yakin 153 .26 .441 .036 .19 .33 0 1

sangat yakin 31 .39 .495 .089 .21 .57 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 31 .42 .502 .090 .24 .60 0 1

netral 138 .40 .491 .042 .32 .48 0 1

yakin 153 .48 .501 .041 .40 .56 0 1

sangat yakin 31 .48 .508 .091 .30 .67 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 31 .26 .445 .080 .09 .42 0 1

netral 138 .22 .414 .035 .15 .29 0 1

yakin 153 .29 .454 .037 .22 .36 0 1

sangat yakin 31 .32 .475 .085 .15 .50 0 1

Total 370 .27 .445 .023 .22 .32 0 1















350



ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.444 4 .361 1.579 .179


Total 84.908 369


Between Groups .659 4 .165 .718 .580


Total 84.324 369


Between Groups .605 4 .151 .858 .489


Total 64.930 369


Between Groups .852 4 .213 1.573 .181


Total 50.270 369


Between Groups .732 4 .183 .786 .535


Total 85.743 369


Between Groups 1.019 4 .255 1.583 .178


Total 59.797 369


Between Groups 1.176 4 .294 2.596 .036


Total 42.511 369


Between Groups .100 4 .025 2.356 .053


Total 3.957 369


Between Groups .850 4 .213 1.191 .314


Total 66.011 369


Between Groups 5.108 4 1.277 5.338 .000


Total 92.432 369


Between Groups .468 4 .117 .545 .703


Total 78.876 369


351


Total 72.973 369


Between Groups .730 4 .183 .737 .567


Total 91.192 369


Between Groups 1.203 4 .301 1.530 .193


Total 72.973 369


PRIBADI (LEMBAGA PENDIDIKAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound




tidak yakin 47 .34 .479 .070 .20 .48 0 1

netral 148 .32 .467 .038 .24 .39 0 1

yakin 111 .38 .487 .046 .29 .47 0 1

sangat yakin 31 .42 .502 .090 .24 .60 0 1

Total 370 .36 .480 .025 .31 .41 0 1




tidak yakin 47 .30 .462 .067 .16 .43 0 1

netral 148 .31 .464 .038 .24 .39 0 1

yakin 111 .41 .493 .047 .31 .50 0 1

sangat yakin 31 .48 .508 .091 .30 .67 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 47 .21 .414 .060 .09 .33 0 1

netral 148 .19 .393 .032 .13 .25 0 1

yakin 111 .24 .431 .041 .16 .32 0 1

sangat yakin 31 .35 .486 .087 .18 .53 0 1

Total 370 .23 .419 .022 .18 .27 0 1




tidak yakin 47 .15 .360 .052 .04 .25 0 1

netral 148 .13 .336 .028 .07 .18 0 1

yakin 111 .17 .378 .036 .10 .24 0 1

352

sangat yakin 31 .29 .461 .083 .12 .46 0 1

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 47 .28 .452 .066 .14 .41 0 1

netral 148 .39 .488 .040 .31 .46 0 1

yakin 111 .37 .485 .046 .28 .46 0 1

sangat yakin 31 .48 .508 .091 .30 .67 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 47 .15 .360 .052 .04 .25 0 1

netral 148 .20 .398 .033 .13 .26 0 1

yakin 111 .21 .407 .039 .13 .28 0 1

sangat yakin 31 .26 .445 .080 .09 .42 0 1

Total 370 .20 .403 .021 .16 .24 0 1




tidak yakin 47 .87 .337 .049 .77 .97 0 1

netral 148 .86 .350 .029 .80 .91 0 1

yakin 111 .88 .323 .031 .82 .94 0 1

sangat yakin 31 .94 .250 .045 .84 1.03 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 47 .00 .000 .000 .00 .00 0 0

netral 148 .01 .082 .007 -.01 .02 0 1

yakin 111 .01 .095 .009 -.01 .03 0 1

sangat yakin 31 .03 .180 .032 -.03 .10 0 1

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 47 .79 .414 .060 .67 .91 0 1

netral 148 .78 .413 .034 .72 .85 0 1

yakin 111 .74 .441 .042 .66 .82 0 1

sangat yakin 31 .71 .461 .083 .54 .88 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 47 .40 .496 .072 .26 .55 0 1

netral 148 .51 .502 .041 .43 .59 0 1

yakin 111 .49 .502 .048 .39 .58 0 1

sangat yakin 31 .48 .508 .091 .30 .67 0 1

Total 370 .49 .500 .026 .44 .54 0 1




tidak yakin 47 .15 .360 .052 .04 .25 0 1

353

netral 148 .19 .393 .032 .13 .25 0 1

yakin 111 .50 .502 .048 .41 .60 0 1

sangat yakin 31 .61 .495 .089 .43 .79 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 47 .11 .312 .045 .01 .20 0 1

netral 148 .23 .422 .035 .16 .30 0 1

yakin 111 .32 .467 .044 .23 .40 0 1

sangat yakin 31 .58 .502 .090 .40 .76 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 47 .43 .500 .073 .28 .57 0 1

netral 148 .39 .490 .040 .31 .47 0 1

yakin 111 .49 .502 .048 .39 .58 0 1

sangat yakin 31 .58 .502 .090 .40 .76 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 47 .26 .441 .064 .13 .38 0 1

netral 148 .24 .426 .035 .17 .31 0 1

yakin 111 .29 .455 .043 .20 .37 0 1

sangat yakin 31 .32 .475 .085 .15 .50 0 1

Total 370 .27 .445 .023 .22 .32 0 1















354



ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .563 4 .141 .610 .656


Total 84.908 369


Between Groups 1.323 4 .331 1.455 .215


Total 84.324 369


Between Groups .765 4 .191 1.088 .362


Total 64.930 369


Between Groups .708 4 .177 1.304 .268


Total 50.270 369


Between Groups 1.148 4 .287 1.239 .294


Total 85.743 369


Between Groups .292 4 .073 .448 .774


Total 59.797 369


Between Groups .393 4 .098 .851 .493


Total 42.511 369


Between Groups .035 4 .009 .816 .515


Total 3.957 369


Between Groups .338 4 .084 .469 .758


Total 66.011 369


Between Groups .426 4 .107 .423 .792


Total 92.432 369


Between Groups 11.598 4 2.899 15.730 .000


Total 78.876 369

355


Between Groups 4.743 4 1.186 6.343 .000


Total 72.973 369


Between Groups 1.275 4 .319 1.294 .272


Total 91.192 369


Between Groups .432 4 .108 .543 .704


Total 72.973 369


PRIBADI (BUKU DAN INTERNET)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound




tidak yakin 53 .30 .463 .064 .17 .43 0 1

netral 142 .30 .458 .038 .22 .37 0 1

yakin 119 .39 .491 .045 .31 .48 0 1

sangat yakin 27 .48 .509 .098 .28 .68 0 1

Total 370 .36 .480 .025 .31 .41 0 1




tidak yakin 53 .26 .445 .061 .14 .39 0 1

netral 142 .31 .464 .039 .23 .39 0 1

yakin 119 .42 .496 .045 .33 .51 0 1

sangat yakin 27 .56 .506 .097 .36 .76 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 53 .17 .379 .052 .07 .27 0 1

netral 142 .24 .428 .036 .17 .31 0 1

yakin 119 .24 .426 .039 .16 .31 0 1

sangat yakin 27 .26 .447 .086 .08 .44 0 1

Total 370 .23 .419 .022 .18 .27 0 1




tidak yakin 53 .11 .320 .044 .03 .20 0 1

netral 142 .16 .370 .031 .10 .22 0 1

356

yakin 119 .17 .376 .034 .10 .24 0 1

sangat yakin 27 .19 .396 .076 .03 .34 0 1

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 53 .28 .455 .062 .16 .41 0 1

netral 142 .43 .497 .042 .35 .51 0 1

yakin 119 .35 .480 .044 .27 .44 0 1

sangat yakin 27 .41 .501 .096 .21 .61 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 53 .08 .267 .037 .00 .15 0 1

netral 142 .26 .440 .037 .19 .33 0 1

yakin 119 .17 .376 .034 .10 .24 0 1

sangat yakin 27 .26 .447 .086 .08 .44 0 1

Total 370 .20 .403 .021 .16 .24 0 1




tidak yakin 53 .87 .342 .047 .77 .96 0 1

netral 142 .89 .308 .026 .84 .95 0 1

yakin 119 .84 .368 .034 .77 .91 0 1

sangat yakin 27 .93 .267 .051 .82 1.03 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 53 .04 .192 .026 -.02 .09 0 1

netral 142 .01 .084 .007 -.01 .02 0 1

yakin 119 .00 .000 .000 .00 .00 0 0

sangat yakin 27 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 53 .75 .434 .060 .63 .87 0 1

netral 142 .84 .370 .031 .78 .90 0 1

yakin 119 .69 .465 .043 .60 .77 0 1

sangat yakin 27 .78 .424 .082 .61 .95 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 53 .42 .497 .068 .28 .55 0 1

netral 142 .51 .502 .042 .42 .59 0 1

yakin 119 .49 .502 .046 .40 .58 0 1

sangat yakin 27 .52 .509 .098 .32 .72 0 1

Total 370 .49 .500 .026 .44 .54 0 1

Sumber peningkatan pengetahuan sangat tidak yakin 29 .17 .384 .071 .03 .32 0 1

357

keuangan (Lembaga Pendidikan) tidak yakin 53 .25 .434 .060 .13 .37 0 1

netral 142 .27 .444 .037 .19 .34 0 1

yakin 119 .38 .487 .045 .29 .47 0 1

sangat yakin 27 .48 .509 .098 .28 .68 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 53 .04 .192 .026 -.02 .09 0 1

netral 142 .24 .428 .036 .17 .31 0 1

yakin 119 .36 .482 .044 .27 .45 0 1

sangat yakin 27 .70 .465 .090 .52 .89 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 53 .28 .455 .062 .16 .41 0 1

netral 142 .35 .479 .040 .27 .43 0 1

yakin 119 .63 .485 .044 .54 .72 0 1

sangat yakin 27 .67 .480 .092 .48 .86 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 53 .21 .409 .056 .09 .32 0 1

netral 142 .23 .419 .035 .16 .29 0 1

yakin 119 .29 .458 .042 .21 .38 0 1

sangat yakin 27 .52 .509 .098 .32 .72 0 1

Total 370 .27 .445 .023 .22 .32 0 1















358



ANOVA

Sum of Squares df Mean

Square

F Sig.

Topik yang diketahui didalam linkungan keluarga (Anggaran)

Between

Groups1.742 4 .435 1.911 .108


Total 84.908 369


Between

Groups2.688 4 .672 3.004 .018


Total 84.324 369


Between

Groups.243 4 .061 .343 .849


Total 64.930 369


Between

Groups.204 4 .051 .371 .829


Total 50.270 369


Between

Groups1.739 4 .435 1.889 .112


Total 85.743 369


Between

Groups1.606 4 .401 2.518 .041


Total 59.797 369


Between

Groups.443 4 .111 .961 .429


Total 42.511 369


Between

Groups.074 4 .018 1.733 .142


Total 3.957 369

359


Between

Groups1.452 4 .363 2.052 .087


Total 66.011 369


Between

Groups.358 4 .090 .355 .840


Total 92.432 369


Between

Groups2.372 4 .593 2.829 .025


Total 78.876 369


Between

Groups10.235 4 2.559

14.88

7.000


Total 72.973 369


Between

Groups10.174 4 2.543

11.45

9.000


Total 91.192 369


Between

Groups2.228 4 .557 2.873 .023


Total 72.973 369


PRIBADI (PENGALAMAN KERJA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound




tidak yakin 44 .30 .462 .070 .16 .44 0 1

netral 138 .32 .468 .040 .24 .40 0 1

yakin 104 .46 .501 .049 .36 .56 0 1

sangat yakin 46 .35 .482 .071 .20 .49 0 1

Total 370 .36 .480 .025 .31 .41 0 1

360




tidak yakin 44 .25 .438 .066 .12 .38 0 1

netral 138 .37 .484 .041 .29 .45 0 1

yakin 104 .35 .478 .047 .25 .44 0 1

sangat yakin 46 .43 .501 .074 .29 .58 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 44 .23 .424 .064 .10 .36 0 1

netral 138 .22 .414 .035 .15 .29 0 1

yakin 104 .18 .388 .038 .11 .26 0 1

sangat yakin 46 .33 .474 .070 .19 .47 0 1

Total 370 .23 .419 .022 .18 .27 0 1




tidak yakin 44 .09 .291 .044 .00 .18 0 1

netral 138 .14 .353 .030 .09 .20 0 1

yakin 104 .16 .372 .036 .09 .24 0 1

sangat yakin 46 .22 .417 .061 .09 .34 0 1

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 44 .30 .462 .070 .16 .44 0 1

netral 138 .35 .478 .041 .27 .43 0 1

yakin 104 .39 .491 .048 .30 .49 0 1

sangat yakin 46 .43 .501 .074 .29 .58 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 44 .11 .321 .048 .02 .21 0 1

netral 138 .17 .380 .032 .11 .24 0 1

yakin 104 .21 .410 .040 .13 .29 0 1

sangat yakin 46 .30 .465 .069 .17 .44 0 1

Total 370 .20 .403 .021 .16 .24 0 1



sangat tidak yakin 38 .92 .273 .044 .83 1.01 0 1

tidak yakin 44 .82 .390 .059 .70 .94 0 1

netral 138 .88 .321 .027 .83 .94 0 1

yakin 104 .85 .363 .036 .78 .92 0 1

sangat yakin 46 .87 .341 .050 .77 .97 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 44 .00 .000 .000 .00 .00 0 0

netral 138 .01 .120 .010 -.01 .03 0 1

yakin 104 .02 .138 .014 -.01 .05 0 1

361

sangat yakin 46 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 44 .75 .438 .066 .62 .88 0 1

netral 138 .81 .392 .033 .75 .88 0 1

yakin 104 .75 .435 .043 .67 .83 0 1

sangat yakin 46 .76 .431 .064 .63 .89 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 44 .45 .504 .076 .30 .61 0 1

netral 138 .46 .500 .043 .37 .54 0 1

yakin 104 .51 .502 .049 .41 .61 0 1

sangat yakin 46 .54 .504 .074 .39 .69 0 1

Total 370 .49 .500 .026 .44 .54 0 1




tidak yakin 44 .23 .424 .064 .10 .36 0 1

netral 138 .34 .476 .040 .26 .42 0 1

yakin 104 .23 .423 .042 .15 .31 0 1

sangat yakin 46 .35 .482 .071 .20 .49 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 44 .18 .390 .059 .06 .30 0 1

netral 138 .28 .452 .038 .21 .36 0 1

yakin 104 .25 .435 .043 .17 .33 0 1

sangat yakin 46 .41 .498 .073 .27 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 44 .25 .438 .066 .12 .38 0 1

netral 138 .42 .495 .042 .34 .50 0 1

yakin 104 .51 .502 .049 .41 .61 0 1

sangat yakin 46 .57 .501 .074 .42 .71 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 44 .09 .291 .044 .00 .18 0 1

netral 138 .13 .338 .029 .07 .19 0 1

yakin 104 .43 .498 .049 .34 .53 0 1

sangat yakin 46 .65 .482 .071 .51 .80 0 1

Total 370 .27 .445 .023 .22 .32 0 1

362

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.681 4 .420 1.843 .120


Total 84.908 369


Between Groups .869 4 .217 .950 .435


Total 84.324 369


Between Groups .718 4 .180 1.021 .396


Total 64.930 369


Between Groups .617 4 .154 1.134 .340


Total 50.270 369


Between Groups .586 4 .147 .628 .643


Total 85.743 369


Between Groups 1.086 4 .271 1.687 .152


Total 59.797 369

363


Between Groups .301 4 .075 .652 .626


Total 42.511 369


Between Groups .024 4 .006 .562 .691


Total 3.957 369


Between Groups .579 4 .145 .808 .521


Total 66.011 369


Between Groups .381 4 .095 .377 .825


Total 92.432 369


Between Groups 1.865 4 .466 2.209 .067


Total 78.876 369


Between Groups 1.481 4 .370 1.891 .111


Total 72.973 369


Between Groups 2.945 4 .736 3.045 .017


Total 91.192 369


Between Groups 14.958 4 3.73923.52

6.000


Total 72.973 369


PRIBADI (KONSULTAN KEUANGAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound




tidak yakin 44 .30 .462 .070 .16 .44 0 1

netral 138 .32 .468 .040 .24 .40 0 1

yakin 104 .46 .501 .049 .36 .56 0 1

sangat yakin 46 .35 .482 .071 .20 .49 0 1

364

Total 370 .36 .480 .025 .31 .41 0 1




tidak yakin 44 .25 .438 .066 .12 .38 0 1

netral 138 .37 .484 .041 .29 .45 0 1

yakin 104 .35 .478 .047 .25 .44 0 1

sangat yakin 46 .43 .501 .074 .29 .58 0 1

Total 370 .35 .478 .025 .30 .40 0 1




tidak yakin 44 .23 .424 .064 .10 .36 0 1

netral 138 .22 .414 .035 .15 .29 0 1

yakin 104 .18 .388 .038 .11 .26 0 1

sangat yakin 46 .33 .474 .070 .19 .47 0 1

Total 370 .23 .419 .022 .18 .27 0 1




tidak yakin 44 .09 .291 .044 .00 .18 0 1

netral 138 .14 .353 .030 .09 .20 0 1

yakin 104 .16 .372 .036 .09 .24 0 1

sangat yakin 46 .22 .417 .061 .09 .34 0 1

Total 370 .16 .369 .019 .12 .20 0 1




tidak yakin 44 .30 .462 .070 .16 .44 0 1

netral 138 .35 .478 .041 .27 .43 0 1

yakin 104 .39 .491 .048 .30 .49 0 1

sangat yakin 46 .43 .501 .074 .29 .58 0 1

Total 370 .36 .482 .025 .32 .41 0 1




tidak yakin 44 .11 .321 .048 .02 .21 0 1

netral 138 .17 .380 .032 .11 .24 0 1

yakin 104 .21 .410 .040 .13 .29 0 1

sangat yakin 46 .30 .465 .069 .17 .44 0 1

Total 370 .20 .403 .021 .16 .24 0 1



sangat tidak yakin 38 .92 .273 .044 .83 1.01 0 1

tidak yakin 44 .82 .390 .059 .70 .94 0 1

netral 138 .88 .321 .027 .83 .94 0 1

yakin 104 .85 .363 .036 .78 .92 0 1

sangat yakin 46 .87 .341 .050 .77 .97 0 1

Total 370 .87 .339 .018 .83 .90 0 1




tidak yakin 44 .00 .000 .000 .00 .00 0 0

netral 138 .01 .120 .010 -.01 .03 0 1

365

yakin 104 .02 .138 .014 -.01 .05 0 1

sangat yakin 46 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1




tidak yakin 44 .75 .438 .066 .62 .88 0 1

netral 138 .81 .392 .033 .75 .88 0 1

yakin 104 .75 .435 .043 .67 .83 0 1

sangat yakin 46 .76 .431 .064 .63 .89 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)


tidak yakin 44 .45 .504 .076 .30 .61 0 1

netral 138 .46 .500 .043 .37 .54 0 1

yakin 104 .51 .502 .049 .41 .61 0 1

sangat yakin 46 .54 .504 .074 .39 .69 0 1

Total 370 .49 .500 .026 .44 .54 0 1




tidak yakin 44 .23 .424 .064 .10 .36 0 1

netral 138 .34 .476 .040 .26 .42 0 1

yakin 104 .23 .423 .042 .15 .31 0 1

sangat yakin 46 .35 .482 .071 .20 .49 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)


tidak yakin 44 .18 .390 .059 .06 .30 0 1

netral 138 .28 .452 .038 .21 .36 0 1

yakin 104 .25 .435 .043 .17 .33 0 1

sangat yakin 46 .41 .498 .073 .27 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)


tidak yakin 44 .25 .438 .066 .12 .38 0 1

netral 138 .42 .495 .042 .34 .50 0 1

yakin 104 .51 .502 .049 .41 .61 0 1

sangat yakin 46 .57 .501 .074 .42 .71 0 1

Total 370 .44 .497 .026 .39 .49 0 1




tidak yakin 44 .09 .291 .044 .00 .18 0 1

netral 138 .13 .338 .029 .07 .19 0 1

yakin 104 .43 .498 .049 .34 .53 0 1

sangat yakin 46 .65 .482 .071 .51 .80 0 1

Total 370 .27 .445 .023 .22 .32 0 1

366

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.681 4 .420 1.843 .120


Total 84.908 369


Between Groups .869 4 .217 .950 .435


Total 84.324 369


Between Groups .718 4 .180 1.021 .396


Total 64.930 369


Between Groups .617 4 .154 1.134 .340


Total 50.270 369


Between Groups .586 4 .147 .628 .643


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit)Between Groups 1.086 4 .271 1.687 .152


367

Total 59.797 369


Between Groups .301 4 .075 .652 .626


Total 42.511 369


Between Groups .024 4 .006 .562 .691


Total 3.957 369


Between Groups .579 4 .145 .808 .521


Total 66.011 369


Between Groups .381 4 .095 .377 .825


Total 92.432 369


Between Groups 1.865 4 .466 2.209 .067


Total 78.876 369


Between Groups 1.481 4 .370 1.891 .111


Total 72.973 369


Between Groups 2.945 4 .736 3.045 .017


Total 91.192 369


Between Groups 14.958 4 3.73923.52

6.000


Total 72.973 369

LAMPIRAN 36ONE-WAY ANOVA BERDASARKAN FREKUENSI PENDISKUSIAN KEADAAN KEUANGAN

PRIBADI (ORANG TUA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



Tidak pernah 36 .22 .422 .070 .08 .36 0 1

Sekali dalam setahun 44 .36 .487 .073 .22 .51 0 1

Sekali dalam sebulan 128 .32 .468 .041 .24 .40 0 1

2 kali dalam sebulan 72 .40 .494 .058 .29 .52 0 1

368

Perminggu 90 .42 .497 .052 .32 .53 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Tidak pernah 36 .25 .439 .073 .10 .40 0 1




Perminggu 90 .43 .498 .053 .33 .54 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Tidak pernah 36 .19 .401 .067 .06 .33 0 1




Perminggu 90 .27 .445 .047 .17 .36 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Tidak pernah 36 .17 .378 .063 .04 .29 0 1




Perminggu 90 .16 .364 .038 .08 .23 0 1

Total 370 .16 .369 .019 .12 .20 0 1



Tidak pernah 36 .22 .422 .070 .08 .36 0 1




Perminggu 90 .47 .502 .053 .36 .57 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Tidak pernah 36 .08 .280 .047 -.01 .18 0 1




Perminggu 90 .28 .450 .047 .18 .37 0 1

Total 370 .20 .403 .021 .16 .24 0 1



Tidak pernah 36 .86 .351 .058 .74 .98 0 1




Perminggu 90 .90 .302 .032 .84 .96 0 1

Total 370 .87 .339 .018 .83 .90 0 1

Topik yang diketahui didalam Tidak pernah 36 .00 .000 .000 .00 .00 0 0

369

lingkungan keluarga (Lain-lain) Sekali dalam setahun 44 .02 .151 .023 -.02 .07 0 1



Perminggu 90 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



Tidak pernah 36 .53 .506 .084 .36 .70 0 1




Perminggu 90 .91 .286 .030 .85 .97 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Tidak pernah 36 .31 .467 .078 .15 .46 0 1




Perminggu 90 .58 .497 .052 .47 .68 0 1

Total 370 .49 .500 .026 .44 .54 0 1



Tidak pernah 36 .25 .439 .073 .10 .40 0 1




Perminggu 90 .33 .474 .050 .23 .43 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Tidak pernah 36 .22 .422 .070 .08 .36 0 1




Perminggu 90 .32 .470 .050 .22 .42 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Tidak pernah 36 .28 .454 .076 .12 .43 0 1




Perminggu 90 .48 .502 .053 .37 .58 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Tidak pernah 36 .36 .487 .081 .20 .53 0 1




370

Perminggu 90 .30 .461 .049 .20 .40 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.362 4 .340 1.487 .205


Total 84.908 369


Between Groups 1.221 4 .305 1.341 .254


Total 84.324 369


Between Groups 1.114 4 .279 1.593 .176


Total 64.930 369


Between Groups .843 4 .211 1.556 .185


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)Between Groups 1.785 4 .446 1.940 .103


371

Total 85.743 369


Between Groups 1.090 4 .273 1.695 .151


Total 59.797 369


Between Groups .505 4 .126 1.097 .358


Total 42.511 369


Between Groups .050 4 .012 1.163 .327


Total 3.957 369


Between Groups 4.434 4 1.109 6.571 .000


Total 66.011 369


Between Groups 1.986 4 .496 2.003 .093


Total 92.432 369


Between Groups .490 4 .123 .571 .684


Total 78.876 369


Between Groups .967 4 .242 1.226 .299


Total 72.973 369


Between Groups 1.538 4 .384 1.565 .183


Total 91.192 369


Between Groups 1.736 4 .434 2.224 .066


Total 72.973 369


PRIBADI (TEMAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



Tidak pernah 98 .32 .467 .047 .22 .41 0 1



372


Perminggu 21 .33 .483 .105 .11 .55 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Tidak pernah 98 .35 .478 .048 .25 .44 0 1




Perminggu 21 .33 .483 .105 .11 .55 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Tidak pernah 98 .29 .454 .046 .19 .38 0 1




Perminggu 21 .48 .512 .112 .24 .71 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Tidak pernah 98 .18 .389 .039 .11 .26 0 1




Perminggu 21 .33 .483 .105 .11 .55 0 1

Total 370 .16 .369 .019 .12 .20 0 1



Tidak pernah 98 .36 .482 .049 .26 .45 0 1




Perminggu 21 .71 .463 .101 .50 .92 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Tidak pernah 98 .23 .426 .043 .15 .32 0 1




Perminggu 21 .29 .463 .101 .08 .50 0 1

Total 370 .20 .403 .021 .16 .24 0 1



Tidak pernah 98 .89 .317 .032 .82 .95 0 1




Perminggu 21 .95 .218 .048 .85 1.05 0 1

Total 370 .87 .339 .018 .83 .90 0 1

373



Tidak pernah 98 .00 .000 .000 .00 .00 0 0

Sekali dalam setahun 64 .02 .125 .016 -.02 .05 0 1

Sekali dalam sebulan 111 .01 .095 .009 -.01 .03 0 1

2 kali dalam sebulan 76 .01 .115 .013 -.01 .04 0 1

Perminggu 21 .05 .218 .048 -.05 .15 0 1

Total 370 .01 .104 .005 .00 .02 0 1



Tidak pernah 98 .81 .397 .040 .73 .89 0 1




Perminggu 21 .81 .402 .088 .63 .99 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Tidak pernah 98 .36 .482 .049 .26 .45 0 1




Perminggu 21 .67 .483 .105 .45 .89 0 1

Total 370 .49 .500 .026 .44 .54 0 1



Tidak pernah 98 .27 .444 .045 .18 .35 0 1




Perminggu 21 .38 .498 .109 .15 .61 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Tidak pernah 98 .29 .454 .046 .19 .38 0 1




Perminggu 21 .33 .483 .105 .11 .55 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Tidak pernah 98 .49 .502 .051 .39 .59 0 1




Perminggu 21 .48 .512 .112 .24 .71 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Tidak pernah 98 .31 .463 .047 .21 .40 0 1



374


Perminggu 21 .38 .498 .109 .15 .61 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .600 4 .150 .649 .628


Total 84.908 369


Between Groups .442 4 .110 .480 .750


Total 84.324 369


Between Groups 2.188 4 .547 3.182 .014


Total 64.930 369


Between Groups .845 4 .211 1.560 .185


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)Between Groups 3.494 4 .873 3.876 .004


375

Total 85.743 369


Between Groups .364 4 .091 .559 .692


Total 59.797 369


Between Groups .450 4 .112 .976 .420


Total 42.511 369


Between Groups .042 4 .011 .983 .417


Total 3.957 369


Between Groups .530 4 .132 .738 .567


Total 66.011 369


Between Groups 2.863 4 .716 2.916 .021


Total 92.432 369


Between Groups .449 4 .112 .522 .720


Total 78.876 369


Between Groups .344 4 .086 .432 .785


Total 72.973 369


Between Groups .460 4 .115 .463 .763


Total 91.192 369


Between Groups .858 4 .214 1.086 .363


Total 72.973 369


PRIBADI (KONSULTAN KEUANGAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



Tidak pernah 312 .34 .475 .027 .29 .40 0 1



376


Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .36 .480 .025 .31 .41 0 1



Tidak pernah 312 .36 .480 .027 .31 .41 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .35 .478 .025 .30 .40 0 1



Tidak pernah 312 .24 .426 .024 .19 .28 0 1

Sekali dalam setahun 24 .04 .204 .042 -.04 .13 0 1



Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .23 .419 .022 .18 .27 0 1



Tidak pernah 312 .18 .382 .022 .13 .22 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .16 .369 .019 .12 .20 0 1



Tidak pernah 312 .37 .484 .027 .32 .43 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .36 .482 .025 .32 .41 0 1



Tidak pernah 312 .20 .402 .023 .16 .25 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .20 .403 .021 .16 .24 0 1



Tidak pernah 312 .88 .324 .018 .85 .92 0 1

Sekali dalam setahun 24 .88 .338 .069 .73 1.02 0 1



Perminggu 2 1.00 .000 .000 1.00 1.00 1 1

Total 370 .87 .339 .018 .83 .90 0 1

377



Tidak pernah 312 .01 .098 .006 .00 .02 0 1


Sekali dalam sebulan 22 .05 .213 .045 -.05 .14 0 1


Perminggu 2 .00 .000 .000 .00 .00 0 0

Total 370 .01 .104 .005 .00 .02 0 1



Tidak pernah 312 .79 .407 .023 .75 .84 0 1




Perminggu 2 .00 .000 .000 .00 .00 0 0

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

Tidak pernah 312 .50 .501 .028 .45 .56 0 1




Perminggu 2 .00 .000 .000 .00 .00 0 0

Total 370 .49 .500 .026 .44 .54 0 1



Tidak pernah 312 .30 .461 .026 .25 .36 0 1




Perminggu 2 .00 .000 .000 .00 .00 0 0

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

Tidak pernah 312 .27 .446 .025 .22 .32 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

Tidak pernah 312 .46 .499 .028 .40 .51 0 1




Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .44 .497 .026 .39 .49 0 1



Tidak pernah 312 .27 .444 .025 .22 .32 0 1



378


Perminggu 2 .50 .707 .500 -5.85 6.85 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .452 4 .113 .488 .744


Total 84.908 369


Between Groups .432 4 .108 .470 .757


Total 84.324 369


Between Groups 1.350 4 .337 1.937 .104


Total 64.930 369


Between Groups 1.193 4 .298 2.218 .067


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi)Between Groups .381 4 .095 .407 .804


379

Total 85.743 369


Between Groups .312 4 .078 .479 .751


Total 59.797 369


Between Groups 1.010 4 .252 2.221 .066


Total 42.511 369


Between Groups .031 4 .008 .722 .577


Total 3.957 369


Between Groups 2.334 4 .584 3.345 .010


Total 66.011 369


Between Groups .884 4 .221 .881 .475


Total 92.432 369


Pendidikan)

Between Groups .584 4 .146 .680 .606


Total 78.876 369


Between Groups .208 4 .052 .261 .903


Total 72.973 369


Between Groups .796 4 .199 .803 .524


Total 91.192 369


Between Groups .325 4 .081 .408 .803


Total 72.973 369

LAMPIRAN 39ONE-WAY ANOVA BERDASARKAN TOPIK YANG DIKETAHUI DI DALAM LINGKUNGAN

KELUARGA (ANGGARAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 238 .74 .440 .029 .68 .80 0 1

dipilih 132 .82 .387 .034 .75 .88 0 1

Total 370 .77 .423 .022 .72 .81 0 1

380


keuangan (Teman)

tidak dipilih 238 .45 .498 .032 .39 .51 0 1

dipilih 132 .55 .499 .043 .47 .64 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 238 .26 .438 .028 .20 .31 0 1

dipilih 132 .40 .492 .043 .32 .49 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 238 .19 .396 .026 .14 .24 0 1

dipilih 132 .41 .494 .043 .32 .49 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 238 .37 .484 .031 .31 .43 0 1

dipilih 132 .57 .497 .043 .48 .65 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 238 .22 .414 .027 .17 .27 0 1

dipilih 132 .36 .483 .042 .28 .45 0 1

Total 370 .27 .445 .023 .22 .32 0 1









ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .526 1 .526 2.954 .086


Total 66.011 369


Between Groups .909 1 .909 3.654 .057


Total 92.432 369

Sumber peningkatan pengetahuan keuangan (Lembaga Pendidikan) Between Groups 1.790 1 1.790 8.547 .004

381


Total 78.876 369


Between Groups 3.955 1 3.95521.08

6.000


Total 72.973 369


Between Groups 3.343 1 3.34314.00

5.000


Total 91.192 369


Between Groups 1.789 1 1.789 9.248 .003


Total 72.973 369


KELUARGA (INVESTASI)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 240 .70 .457 .030 .65 .76 0 1

dipilih 130 .88 .321 .028 .83 .94 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 240 .49 .501 .032 .42 .55 0 1

dipilih 130 .48 .502 .044 .40 .57 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 240 .26 .441 .028 .21 .32 0 1

dipilih 130 .39 .490 .043 .31 .48 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 240 .23 .421 .027 .18 .28 0 1

dipilih 130 .35 .478 .042 .26 .43 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 240 .42 .495 .032 .36 .48 0 1

dipilih 130 .48 .501 .044 .39 .56 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 240 .24 .426 .028 .18 .29 0 1

dipilih 130 .33 .472 .041 .25 .41 0 1

Total 370 .27 .445 .023 .22 .32 0 1

382









ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 2.746 1 2.746 15.971 .000


Total 66.011 369


Between Groups .001 1 .001 .003 .958


Total 92.432 369


Pendidikan)

Between Groups 1.421 1 1.421 6.751 .010


Total 78.876 369


Between Groups 1.154 1 1.154 5.913 .016


Total 72.973 369


Between Groups .265 1 .265 1.074 .301


Total 91.192 369


(Pengalaman Kerja)

Between Groups .734 1 .734 3.737 .054


Total 72.973 369

383


KELUARGA (PAJAK)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 286 .73 .446 .026 .68 .78 0 1

dipilih 84 .90 .295 .032 .84 .97 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 286 .45 .499 .029 .40 .51 0 1

dipilih 84 .60 .494 .054 .49 .70 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 286 .28 .448 .026 .22 .33 0 1

dipilih 84 .42 .496 .054 .31 .52 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 286 .22 .415 .025 .17 .27 0 1

dipilih 84 .44 .499 .054 .33 .55 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 286 .39 .488 .029 .33 .44 0 1

dipilih 84 .62 .489 .053 .51 .73 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 286 .24 .426 .025 .19 .29 0 1

dipilih 84 .38 .489 .053 .27 .49 0 1

Total 370 .27 .445 .023 .22 .32 0 1






Pendidikan)14.792 1 368 .000




ANOVA

384

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 2.045 1 2.045 11.768 .001


Total 66.011 369


Between Groups 1.285 1 1.285 5.189 .023


Total 92.432 369


Between Groups 1.281 1 1.281 6.074 .014


Total 78.876 369


Between Groups 3.148 1 3.148 16.592 .000


Total 72.973 369


Between Groups 3.463 1 3.463 14.525 .000


Total 91.192 369


Between Groups 1.331 1 1.331 6.838 .009


Total 72.973 369


KELUARGA (KREDIT)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


(Orang tua)

tidak dipilih 310 .75 .436 .025 .70 .79 0 1

dipilih 60 .88 .324 .042 .80 .97 0 1

Total 370 .77 .423 .022 .72 .81 0 1


(Teman)

tidak dipilih 310 .45 .499 .028 .40 .51 0 1

dipilih 60 .65 .481 .062 .53 .77 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 310 .26 .438 .025 .21 .31 0 1

dipilih 60 .57 .500 .065 .44 .70 0 1

Total 370 .31 .462 .024 .26 .36 0 1

Sumber peningkatan pengetahuan keuangan tidak dipilih 310 .24 .427 .024 .19 .29 0 1

385

(Buku) dipilih 60 .43 .500 .065 .30 .56 0 1

Total 370 .27 .445 .023 .22 .32 0 1


(Internet)

tidak dipilih 310 .40 .490 .028 .34 .45 0 1

dipilih 60 .67 .475 .061 .54 .79 0 1

Total 370 .44 .497 .026 .39 .49 0 1


(Pengalaman Kerja)

tidak dipilih 310 .25 .433 .025 .20 .30 0 1

dipilih 60 .38 .490 .063 .26 .51 0 1

Total 370 .27 .445 .023 .22 .32 0 1









ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .960 1 .960 5.429 .020


Total 66.011 369


Between Groups 1.915 1 1.915 7.784 .006


Total 92.432 369


Between Groups 4.788 1 4.78823.78

0.000


Total 78.876 369


Between Groups 1.904 1 1.904 9.860 .002


Total 72.973 369

Sumber peningkatan pengetahuan keuangan (Internet) Between Groups 3.662 1 3.66215.39

5.000

386


Total 91.192 369


Between Groups .915 1 .915 4.675 .031


Total 72.973 369


KELUARGA (ASURANSI)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 235 .70 .460 .030 .64 .76 0 1

dipilih 135 .89 .315 .027 .84 .94 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 235 .40 .492 .032 .34 .47 0 1

dipilih 135 .63 .485 .042 .55 .71 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 235 .25 .435 .028 .20 .31 0 1

dipilih 135 .41 .493 .042 .32 .49 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 235 .20 .398 .026 .14 .25 0 1

dipilih 135 .40 .492 .042 .32 .48 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 235 .36 .480 .031 .30 .42 0 1

dipilih 135 .59 .495 .043 .50 .67 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 235 .21 .410 .027 .16 .27 0 1

dipilih 135 .37 .485 .042 .29 .45 0 1

Total 370 .27 .445 .023 .22 .32 0 1





387





ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 3.129 1 3.129 18.309 .000


Total 66.011 369


Between Groups 4.355 1 4.355 18.197 .000


Total 92.432 369


Between Groups 2.096 1 2.096 10.045 .002


Total 78.876 369


Between Groups 3.577 1 3.577 18.970 .000


Total 72.973 369


Between Groups 4.447 1 4.447 18.866 .000


Total 91.192 369


Between Groups 2.130 1 2.130 11.063 .001


Total 72.973 369


KELUARGA (KARTU KREDIT)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 295 .74 .440 .026 .69 .79 0 1

dipilih 75 .88 .327 .038 .80 .96 0 1

Total 370 .77 .423 .022 .72 .81 0 1


388

keuangan (Teman) dipilih 75 .59 .496 .057 .47 .70 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 295 .28 .450 .026 .23 .33 0 1

dipilih 75 .41 .496 .057 .30 .53 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 295 .25 .434 .025 .20 .30 0 1

dipilih 75 .35 .479 .055 .24 .46 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 295 .39 .489 .028 .33 .45 0 1

dipilih 75 .64 .483 .056 .53 .75 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 295 .25 .432 .025 .20 .30 0 1

dipilih 75 .36 .483 .056 .25 .47 0 1

Total 370 .27 .445 .023 .22 .32 0 1






Pendidikan)11.957 1 368 .001




Kerja)11.177 1 368 .001

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.189 1 1.189 6.751 .010


Total 66.011 369


Between Groups .944 1 .944 3.797 .052


Total 92.432 369

389


Between Groups 1.042 1 1.042 4.924 .027


Total 78.876 369


Between Groups .549 1 .549 2.790 .096


Total 72.973 369


Between Groups 3.742 1 3.74215.74

9.000


Total 91.192 369


Between Groups .757 1 .757 3.859 .050


Total 72.973 369


KELUARGA (TABUNGAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 49 .63 .487 .070 .49 .77 0 1

dipilih 321 .79 .409 .023 .74 .83 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 49 .20 .407 .058 .09 .32 0 1

dipilih 321 .53 .500 .028 .47 .58 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 49 .18 .391 .056 .07 .30 0 1

dipilih 321 .33 .470 .026 .28 .38 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 49 .12 .331 .047 .03 .22 0 1

dipilih 321 .29 .456 .025 .24 .34 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 49 .29 .456 .065 .15 .42 0 1

dipilih 321 .46 .499 .028 .41 .52 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 49 .22 .422 .060 .10 .35 0 1

dipilih 321 .28 .448 .025 .23 .33 0 1

390

Total 370 .27 .445 .023 .22 .32 0 1









ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.028 1 1.028 5.822 .016


Total 66.011 369


Between Groups 4.504 1 4.50418.85

2.000


Total 92.432 369


Between Groups .875 1 .875 4.126 .043


Total 78.876 369


Between Groups 1.234 1 1.234 6.331 .012


Total 72.973 369


Between Groups 1.354 1 1.354 5.546 .019


Total 91.192 369


Between Groups .118 1 .118 .598 .440


Total 72.973 369

391


KELUARGA (LAIN-LAIN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 366 .77 .421 .022 .73 .81 0 1

dipilih 4 .50 .577 .289 -.42 1.42 0 1

Total 370 .77 .423 .022 .72 .81 0 1


keuangan (Teman)

tidak dipilih 366 .49 .500 .026 .43 .54 0 1

dipilih 4 .50 .577 .289 -.42 1.42 0 1

Total 370 .49 .500 .026 .44 .54 0 1



tidak dipilih 366 .31 .461 .024 .26 .35 0 1

dipilih 4 .50 .577 .289 -.42 1.42 0 1

Total 370 .31 .462 .024 .26 .36 0 1


keuangan (Buku)

tidak dipilih 366 .27 .445 .023 .22 .32 0 1

dipilih 4 .25 .500 .250 -.55 1.05 0 1

Total 370 .27 .445 .023 .22 .32 0 1


keuangan (Internet)

tidak dipilih 366 .44 .497 .026 .39 .49 0 1

dipilih 4 .25 .500 .250 -.55 1.05 0 1

Total 370 .44 .497 .026 .39 .49 0 1



tidak dipilih 366 .27 .443 .023 .22 .31 0 1

dipilih 4 .50 .577 .289 -.42 1.42 0 1

Total 370 .27 .445 .023 .22 .32 0 1









ANOVA

Sum of

Squares

df Mean

Square

F Sig.

392


Between Groups .289 1 .289 1.621 .204


Total 66.011 369


Between Groups .001 1 .001 .003 .957


Total 92.432 369


Between Groups .149 1 .149 .696 .405


Total 78.876 369


Between Groups .002 1 .002 .008 .927


Total 72.973 369


Between Groups .147 1 .147 .593 .442


Total 91.192 369


Between Groups .213 1 .213 1.079 .300


Total 72.973 369

LAMPIRAN 47ONE-WAY ANOVA BERDASARKAN SUMBER PENINGKATAN PENGETAHUAN KEUANGAN

(ORANG TUA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


keluarga (Anggaran)

tidak dipilih 86 .28 .451 .049 .18 .38 0 1

dipilih 284 .38 .486 .029 .32 .44 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 86 .17 .382 .041 .09 .26 0 1

dipilih 284 .40 .492 .029 .35 .46 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

tidak dipilih 86 .09 .292 .032 .03 .16 0 1

dipilih 284 .27 .443 .026 .22 .32 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

tidak dipilih 86 .08 .275 .030 .02 .14 0 1

dipilih 284 .19 .390 .023 .14 .23 0 1

Total 370 .16 .369 .019 .12 .20 0 1

Topik yang diketahui didalam lingkungan tidak dipilih 86 .17 .382 .041 .09 .26 0 1

393

keluarga (Asuransi) dipilih 284 .42 .495 .029 .36 .48 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 86 .10 .308 .033 .04 .17 0 1

dipilih 284 .23 .423 .025 .18 .28 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

tidak dipilih 86 .79 .409 .044 .70 .88 0 1

dipilih 284 .89 .312 .019 .85 .93 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 86 .02 .152 .016 -.01 .06 0 1

dipilih 284 .01 .084 .005 .00 .02 0 1

Total 370 .01 .104 .005 .00 .02 0 1











ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .676 1 .676 2.954 .086


Total 84.908 369


Between Groups 3.508 1 3.50815.97

1.000


Total 84.324 369


Between Groups 2.012 1 2.01211.76

8.001


Total 64.930 369

Topik yang diketahui didalam lingkungan keluarga (Kredit) Between Groups .731 1 .731 5.429 .020

394


Total 50.270 369


Between Groups 4.064 1 4.06418.30

9.000


Total 85.743 369


Between Groups 1.077 1 1.077 6.751 .010


Total 59.797 369


Between Groups .662 1 .662 5.822 .016


Total 42.511 369


Between Groups .017 1 .017 1.621 .204


Total 3.957 369


(TEMAN)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 190 .31 .464 .034 .24 .38 0 1

dipilih 180 .41 .492 .037 .33 .48 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 190 .35 .479 .035 .28 .42 0 1

dipilih 180 .35 .478 .036 .28 .42 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 190 .18 .384 .028 .12 .23 0 1

dipilih 180 .28 .449 .033 .21 .34 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 190 .11 .314 .023 .07 .16 0 1

dipilih 180 .22 .413 .031 .16 .28 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 190 .26 .442 .032 .20 .33 0 1

dipilih 180 .47 .501 .037 .40 .55 0 1

Total 370 .36 .482 .025 .32 .41 0 1

395



tidak dipilih 190 .16 .370 .027 .11 .22 0 1

dipilih 180 .24 .431 .032 .18 .31 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 190 .79 .405 .029 .74 .85 0 1

dipilih 180 .94 .230 .017 .91 .98 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 190 .01 .102 .007 .00 .03 0 1

dipilih 180 .01 .105 .008 .00 .03 0 1

Total 370 .01 .104 .005 .00 .02 0 1











ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .835 1 .835 3.654 .057


Total 84.908 369


Between Groups .001 1 .001 .003 .958


Total 84.324 369


Between Groups .903 1 .903 5.189 .023


Total 64.930 369


Between Groups 1.041 1 1.041 7.784 .006


Total 50.270 369

396


Between Groups 4.040 1 4.04018.19

7.000


Total 85.743 369


Between Groups .611 1 .611 3.797 .052


Total 59.797 369


Between Groups 2.072 1 2.07218.85

2.000


Total 42.511 369


Between Groups .000 1 .000 .003 .957


Total 3.957 369


(LEMBAGA PENDIDIKAN)

Descriptives

N Mean Std.

Deviation

Std. Error 95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


keluarga (Anggaran)

tidak dipilih 256 .31 .463 .029 .25 .37 0 1

dipilih 114 .46 .501 .047 .37 .56 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 256 .31 .463 .029 .25 .37 0 1

dipilih 114 .45 .499 .047 .35 .54 0 1

Total 370 .35 .478 .025 .30 .40 0 1


keluarga (Pajak)

tidak dipilih 256 .19 .394 .025 .14 .24 0 1

dipilih 114 .31 .463 .043 .22 .39 0 1

Total 370 .23 .419 .022 .18 .27 0 1


keluarga (Kredit)

tidak dipilih 256 .10 .303 .019 .06 .14 0 1

dipilih 114 .30 .460 .043 .21 .38 0 1

Total 370 .16 .369 .019 .12 .20 0 1


keluarga (Asuransi)

tidak dipilih 256 .31 .464 .029 .26 .37 0 1

dipilih 114 .48 .502 .047 .39 .58 0 1

Total 370 .36 .482 .025 .32 .41 0 1

Topik yang diketahui didalam lingkungan tidak dipilih 256 .17 .378 .024 .13 .22 0 1

397

keluarga (Kartu kredit) dipilih 114 .27 .447 .042 .19 .35 0 1

Total 370 .20 .403 .021 .16 .24 0 1


keluarga (Tabungan)

tidak dipilih 256 .84 .364 .023 .80 .89 0 1

dipilih 114 .92 .271 .025 .87 .97 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 256 .01 .088 .006 .00 .02 0 1

dipilih 114 .02 .132 .012 -.01 .04 0 1

Total 370 .01 .104 .005 .00 .02 0 1











ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 1.927 1 1.927 8.547 .004


Total 84.908 369


Between Groups 1.519 1 1.519 6.751 .010


Total 84.324 369


Between Groups 1.054 1 1.054 6.074 .014


Total 64.930 369


Between Groups 3.051 1 3.05123.78

0.000


Total 50.270 369

Topik yang diketahui didalam lingkungan keluarga (Asuransi) Between Groups 2.278 1 2.27810.04

5.002

398


Total 85.743 369


Between Groups .790 1 .790 4.924 .027


Total 59.797 369


Between Groups .471 1 .471 4.126 .043


Total 42.511 369


Between Groups .007 1 .007 .696 .405


Total 3.957 369


(BUKU)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 270 .29 .454 .028 .23 .34 0 1

dipilih 100 .54 .501 .050 .44 .64 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 270 .31 .465 .028 .26 .37 0 1

dipilih 100 .45 .500 .050 .35 .55 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 270 .17 .380 .023 .13 .22 0 1

dipilih 100 .37 .485 .049 .27 .47 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 270 .13 .332 .020 .09 .17 0 1

dipilih 100 .26 .441 .044 .17 .35 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 270 .30 .459 .028 .24 .36 0 1

dipilih 100 .54 .501 .050 .44 .64 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 270 .18 .386 .023 .14 .23 0 1

dipilih 100 .26 .441 .044 .17 .35 0 1

Total 370 .20 .403 .021 .16 .24 0 1

Topik yang diketahui didalam tidak dipilih 270 .84 .367 .022 .80 .88 0 1

399

lingkungan keluarga (Tabungan) dipilih 100 .94 .239 .024 .89 .99 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 270 .01 .105 .006 .00 .02 0 1

dipilih 100 .01 .100 .010 -.01 .03 0 1

Total 370 .01 .104 .005 .00 .02 0 1




(Anggaran)19.739 1 368 .000


(Investasi)13.183 1 368 .000


(Pajak)47.433 1 368 .000


(Kredit)34.562 1 368 .000


(Asuransi)17.159 1 368 .000


(Kartu kredit)9.975 1 368 .002


(Tabungan)30.491 1 368 .000


(Lain-lain).034 1 368 .855

ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 4.601 1 4.601 21.086 .000


Total 84.908 369


Between Groups 1.334 1 1.334 5.913 .016


Total 84.324 369


Between Groups 2.801 1 2.801 16.592 .000


Total 64.930 369

Topik yang diketahui didalam lingkungan keluarga (Kredit) Between Groups 1.312 1 1.312 9.860 .002

400


Total 50.270 369


Between Groups 4.203 1 4.203 18.970 .000


Total 85.743 369


Between Groups .450 1 .450 2.790 .096


Total 59.797 369


Between Groups .719 1 .719 6.331 .012


Total 42.511 369


Between Groups .000 1 .000 .008 .927


Total 3.957 369


(INTERNET)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 207 .28 .448 .031 .21 .34 0 1

dipilih 163 .46 .500 .039 .38 .54 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 207 .33 .471 .033 .26 .39 0 1

dipilih 163 .38 .487 .038 .31 .46 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 207 .15 .362 .025 .10 .20 0 1

dipilih 163 .32 .468 .037 .25 .39 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 207 .10 .296 .021 .06 .14 0 1

dipilih 163 .25 .432 .034 .18 .31 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 207 .27 .445 .031 .21 .33 0 1

dipilih 163 .48 .501 .039 .41 .56 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 207 .13 .338 .023 .08 .18 0 1

dipilih 163 .29 .457 .036 .22 .37 0 1

401

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 207 .83 .376 .026 .78 .88 0 1

dipilih 163 .91 .281 .022 .87 .96 0 1

Total 370 .87 .339 .018 .83 .90 0 1



tidak dipilih 207 .01 .120 .008 .00 .03 0 1

dipilih 163 .01 .078 .006 -.01 .02 0 1

Total 370 .01 .104 .005 .00 .02 0 1











ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 3.113 1 3.113 14.005 .000


Total 84.908 369


Between Groups .245 1 .245 1.074 .301


Total 84.324 369


Between Groups 2.466 1 2.466 14.525 .000


Total 64.930 369


Between Groups 2.019 1 2.019 15.395 .000


Total 50.270 369


Between Groups 4.181 1 4.181 18.866 .000


Total 85.743 369

Topik yang diketahui didalam lingkungan keluarga (Kartu kredit) Between Groups 2.454 1 2.454 15.749 .000

402


Total 59.797 369


Between Groups .631 1 .631 5.546 .019


Total 42.511 369


Between Groups .006 1 .006 .593 .442


Total 3.957 369


(PENGALAMAN KERJA)

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound



tidak dipilih 270 .31 .464 .028 .26 .37 0 1

dipilih 100 .48 .502 .050 .38 .58 0 1

Total 370 .36 .480 .025 .31 .41 0 1



tidak dipilih 270 .32 .468 .028 .27 .38 0 1

dipilih 100 .43 .498 .050 .33 .53 0 1

Total 370 .35 .478 .025 .30 .40 0 1



tidak dipilih 270 .19 .395 .024 .15 .24 0 1

dipilih 100 .32 .469 .047 .23 .41 0 1

Total 370 .23 .419 .022 .18 .27 0 1



tidak dipilih 270 .14 .345 .021 .10 .18 0 1

dipilih 100 .23 .423 .042 .15 .31 0 1

Total 370 .16 .369 .019 .12 .20 0 1



tidak dipilih 270 .31 .465 .028 .26 .37 0 1

dipilih 100 .50 .503 .050 .40 .60 0 1

Total 370 .36 .482 .025 .32 .41 0 1



tidak dipilih 270 .18 .383 .023 .13 .22 0 1

dipilih 100 .27 .446 .045 .18 .36 0 1

Total 370 .20 .403 .021 .16 .24 0 1



tidak dipilih 270 .86 .348 .021 .82 .90 0 1

dipilih 100 .89 .314 .031 .83 .95 0 1

Total 370 .87 .339 .018 .83 .90 0 1

Topik yang diketahui didalam tidak dipilih 270 .01 .086 .005 .00 .02 0 1

403

lingkungan keluarga (Lain-lain) dipilih 100 .02 .141 .014 -.01 .05 0 1

Total 370 .01 .104 .005 .00 .02 0 1











ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups 2.081 1 2.081 9.248 .003


Total 84.908 369


Between Groups .848 1 .848 3.737 .054


Total 84.324 369


Between Groups 1.185 1 1.185 6.838 .009


Total 64.930 369


Between Groups .631 1 .631 4.675 .031


Total 50.270 369


Between Groups 2.503 1 2.50311.06

3.001


Total 85.743 369


Between Groups .621 1 .621 3.859 .050


Total 59.797 369

Topik yang diketahui didalam lingkungan keluarga (Tabungan) Between Groups .069 1 .069 .598 .440

404


Total 42.511 369


Between Groups .012 1 .012 1.079 .300


Total 3.957 369

LAMPIRAN 53ONE-WAY ANOVA BERDASARKAN DESKRIPSI KEMAMPUAN KELUARGA DALAM MENGELOLA KEUANGAN KELUARGA

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound

Topik yang diketahui

didalam lingkungan

keluarga (Anggaran)

Orang tua beradu pendapat dalam

mengelola keuangan keluarga27 .41 .501 .096 .21 .61 0 1

Anggota keluarga berdiskusi

mengenai kondisi keuangan secara

bersama-sama

99 .44 .499 .050 .34 .54 0 1

Orang tua mengajarkan

pengelolaan keuangan132 .34 .476 .041 .26 .42 0 1

Anggota keliarga memiliki

keputusan financial yang

berbeda-beda

112 .29 .454 .043 .20 .37 0 1

Total 370 .36 .480 .025 .31 .41 0 1


didalam lingkungan






bersama-sama

99 .43 .498 .050 .33 .53 0 1





berbeda-beda

112 .26 .440 .042 .18 .34 0 1

Total 370 .35 .478 .025 .30 .40 0 1


didalam lingkungan



405

keluarga (Pajak) Anggota keluarga berdiskusi


bersama-sama

99 .25 .437 .044 .17 .34 0 1





berbeda-beda

112 .20 .399 .038 .12 .27 0 1

Total 370 .23 .419 .022 .18 .27 0 1


didalam lingkungan

keluarga (Kredit)





bersama-sama

99 .21 .411 .041 .13 .29 0 1





berbeda-beda

112 .14 .351 .033 .08 .21 0 1

Total 370 .16 .369 .019 .12 .20 0 1


didalam lingkungan

keluarga (Asuransi)





bersama-sama

99 .36 .483 .049 .27 .46 0 1





berbeda-beda

112 .33 .472 .045 .24 .42 0 1

Total 370 .36 .482 .025 .32 .41 0 1


didalam lingkungan






bersama-sama

99 .22 .418 .042 .14 .31 0 1



406



berbeda-beda

112 .18 .385 .036 .11 .25 0 1

Total 370 .20 .403 .021 .16 .24 0 1


didalam lingkungan

keluarga (Tabungan)





bersama-sama

99 .85 .360 .036 .78 .92 0 1





berbeda-beda

112 .88 .332 .031 .81 .94 0 1

Total 370 .87 .339 .018 .83 .90 0 1


didalam lingkungan



mengelola keuangan keluarga27 .04 .192 .037 -.04 .11 0 1



bersama-sama

99 .00 .000 .000 .00 .00 0 0


pengelolaan keuangan132 .02 .123 .011 -.01 .04 0 1



berbeda-beda

112 .01 .094 .009 -.01 .03 0 1

Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan


(Orang tua)





bersama-sama

99 .80 .404 .041 .72 .88 0 1





berbeda-beda

112 .67 .472 .045 .58 .76 0 1

Total 370 .77 .423 .022 .72 .81 0 1

Sumber peningkatan




407

(Teman) Anggota keluarga berdiskusi


bersama-sama

99 .53 .502 .050 .43 .63 0 1





berbeda-beda

112 .48 .502 .047 .39 .58 0 1

Total 370 .49 .500 .026 .44 .54 0 1

Sumber peningkatan







bersama-sama

99 .40 .493 .050 .31 .50 0 1





berbeda-beda

112 .29 .458 .043 .21 .38 0 1

Total 370 .31 .462 .024 .26 .36 0 1

Sumber peningkatan


(Buku)





bersama-sama

99 .29 .457 .046 .20 .38 0 1





berbeda-beda

112 .26 .440 .042 .18 .34 0 1

Total 370 .27 .445 .023 .22 .32 0 1

Sumber peningkatan


(Internet)





bersama-sama

99 .43 .498 .050 .33 .53 0 1



408



berbeda-beda

112 .45 .499 .047 .35 .54 0 1

Total 370 .44 .497 .026 .39 .49 0 1

Sumber peningkatan


(Pengalaman Kerja)





bersama-sama

99 .26 .442 .044 .17 .35 0 1





berbeda-beda

112 .33 .472 .045 .24 .42 0 1

Total 370 .27 .445 .023 .22 .32 0 1

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.

Topik yang diketahui didalam lingkungan keluarga (Anggaran)Between Groups 1.429 3 .476 2.088 .101


409

Total 84.908 369


Between Groups 1.726 3 .575 2.550 .056


Total 84.324 369


Between Groups .791 3 .264 1.504 .213


Total 64.930 369


Between Groups .338 3 .113 .826 .480


Total 50.270 369


Between Groups .771 3 .257 1.107 .346


Total 85.743 369


Between Groups .363 3 .121 .745 .526


Total 59.797 369


Between Groups .629 3 .210 1.831 .141


Total 42.511 369


Between Groups .033 3 .011 1.027 .381


Total 3.957 369


Between Groups 1.756 3 .585 3.334 .020


Total 66.011 369


Between Groups .230 3 .077 .304 .822


Total 92.432 369


Between Groups 1.333 3 .444 2.097 .100


Total 78.876 369


Between Groups .274 3 .091 .460 .711


Total 72.973 369


Between Groups .682 3 .227 .919 .432


Total 91.192 369

Sumber peningkatan pengetahuan keuangan (Pengalaman Kerja)Between Groups .867 3 .289 1.467 .223


410

Total 72.973 369

LAMPIRAN 54ONE-WAY ANOVA BERDASARKAN PENGGAMBARAN DIRI RESPONDEN DENGAN

KEMAMPUAN KELUARGA DALAM MENGELOLA KEUANGAN

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound


didalam lingkungan

keluarga (Anggaran)

lebih suka menabung 37 .43 .502 .083 .26 .60 0 1

Menabung dan membelajankan

uang beberapa kali224 .36 .480 .032 .29 .42 0 1

Memilihi untuk menabung dan

langsung membelanjakan uang

tersebut

47 .30 .462 .067 .16 .43 0 1

Lebih suka membelanjakan uang 62 .35 .482 .061 .23 .48 0 1

Total 370 .36 .480 .025 .31 .41 0 1


didalam lingkungan







tersebut

47 .21 .414 .060 .09 .33 0 1


Total 370 .35 .478 .025 .30 .40 0 1


didalam lingkungan

keluarga (Pajak)






tersebut

47 .17 .380 .055 .06 .28 0 1


Total 370 .23 .419 .022 .18 .27 0 1


didalam lingkungan

keluarga (Kredit)

lebih suka menabung 37 .05 .229 .038 -.02 .13 0 1





tersebut

47 .04 .204 .030 -.02 .10 0 1

411


Total 370 .16 .369 .019 .12 .20 0 1


didalam lingkungan

keluarga (Asuransi)






tersebut

47 .34 .479 .070 .20 .48 0 1


Total 370 .36 .482 .025 .32 .41 0 1


didalam lingkungan


lebih suka menabung 37 .05 .229 .038 -.02 .13 0 1





tersebut

47 .11 .312 .045 .01 .20 0 1


Total 370 .20 .403 .021 .16 .24 0 1


didalam lingkungan

keluarga (Tabungan)






tersebut

47 .91 .282 .041 .83 1.00 0 1


Total 370 .87 .339 .018 .83 .90 0 1


didalam lingkungan







tersebut

47 .02 .146 .021 -.02 .06 0 1


Total 370 .01 .104 .005 .00 .02 0 1

Sumber peningkatan


(Orang tua)






tersebut

47 .83 .380 .055 .72 .94 0 1

412


Total 370 .77 .423 .022 .72 .81 0 1

Sumber peningkatan


(Teman)






tersebut

47 .53 .504 .074 .38 .68 0 1


Total 370 .49 .500 .026 .44 .54 0 1

Sumber peningkatan








tersebut

47 .26 .441 .064 .13 .38 0 1


Total 370 .31 .462 .024 .26 .36 0 1

Sumber peningkatan


(Buku)






tersebut

47 .09 .282 .041 .00 .17 0 1


Total 370 .27 .445 .023 .22 .32 0 1

Sumber peningkatan


(Internet)






tersebut

47 .40 .496 .072 .26 .55 0 1


Total 370 .44 .497 .026 .39 .49 0 1

Sumber peningkatan


(Pengalaman Kerja)




413



tersebut

47 .21 .414 .060 .09 .33 0 1


Total 370 .27 .445 .023 .22 .32 0 1

















ANOVA

Sum of

Squares

df Mean

Square

F Sig.


Between Groups .375 3 .125 .541 .654


Total 84.908 369


Between Groups 1.319 3 .440 1.938 .123


Total 84.324 369


Between Groups 1.975 3 .658 3.827 .010


Total 64.930 369

Topik yang diketahui didalam lingkungan keluarga (Kredit)Between Groups 1.735 3 .578 4.362 .005


414

Total 50.270 369


Between Groups 1.833 3 .611 2.666 .048


Total 85.743 369


Between Groups 2.412 3 .804 5.127 .002


Total 59.797 369


Between Groups 1.166 3 .389 3.442 .017


Total 42.511 369


Between Groups .018 3 .006 .564 .639


Total 3.957 369


Between Groups .348 3 .116 .647 .585


Total 66.011 369


Between Groups .903 3 .301 1.203 .308


Total 92.432 369


Between Groups 1.215 3 .405 1.909 .128


Total 78.876 369


Between Groups 3.017 3 1.006 5.262 .001


Total 72.973 369


Between Groups .661 3 .220 .891 .446


Total 91.192 369


Between Groups .840 3 .280 1.421 .236


Total 72.973 369

LAMPIRAN 55ONE-WAY ANOVA BERDASARKAN KATEGORI FINANCIAL KNOWLEDGE

Descriptives

N Mean Std.

Deviation

Std.

Error

95% Confidence

Interval for Mean

Minimum Maximum

Lower

Bound

Upper

Bound

Topik yang disukai (Budgeting) Cukup 58 .28 .451 .059 .16 .39 0 1

415

Rendah 311 .21 .407 .023 .16 .25 0 1

Total 369 .22 .414 .022 .18 .26 0 1


Cukup 58 .47 .503 .066 .33 .60 0 1

Rendah 311 .51 .501 .028 .46 .57 0 1

Total 369 .50 .501 .026 .45 .56 0 1


Cukup 58 .64 .485 .064 .51 .77 0 1

Rendah 311 .55 .499 .028 .49 .60 0 1

Total 369 .56 .497 .026 .51 .61 0 1


Cukup 58 .14 .348 .046 .05 .23 0 1

Rendah 311 .11 .308 .017 .07 .14 0 1

Total 369 .11 .315 .016 .08 .14 0 1


Cukup 58 .09 .283 .037 .01 .16 0 1

Rendah 311 .05 .228 .013 .03 .08 0 1

Total 369 .06 .237 .012 .04 .08 0 1


Cukup 58 .17 .381 .050 .07 .27 0 1

Rendah 311 .13 .339 .019 .09 .17 0 1

Total 369 .14 .346 .018 .10 .17 0 1


Cukup 58 .07 .256 .034 .00 .14 0 1

Rendah 311 .06 .234 .013 .03 .08 0 1

Total 369 .06 .237 .012 .04 .08 0 1


dimiliki (Tabungan)

Cukup 58 1.00 .000 .000 1.00 1.00 1 1

Rendah 311 .97 .159 .009 .96 .99 0 1

Total 369 .98 .146 .008 .96 .99 0 1


dimiliki (Saham)

Cukup 58 .05 .223 .029 -.01 .11 0 1

Rendah 311 .06 .240 .014 .03 .09 0 1

Total 369 .06 .237 .012 .04 .08 0 1


dimiliki (Obligasi)

Cukup 58 .02 .131 .017 -.02 .05 0 1

Rendah 311 .02 .138 .008 .00 .03 0 1

Total 369 .02 .137 .007 .00 .03 0 1


dimiliki (Deposito)

Cukup 58 .09 .283 .037 .01 .16 0 1

Rendah 311 .10 .300 .017 .07 .13 0 1

Total 369 .10 .297 .015 .07 .13 0 1


dimiliki (Reksadana)

Cukup 58 .00 .000 .000 .00 .00 0 0

Rendah 311 .01 .098 .006 .00 .02 0 1

Total 369 .01 .090 .005 .00 .02 0 1


dimiliki (Lain-lain)

Cukup 58 .05 .223 .029 -.01 .11 0 1

Rendah 311 .01 .113 .006 .00 .03 0 1

Total 369 .02 .137 .007 .00 .03 0 1

Topik yang diketahui didalam Cukup 58 .40 .493 .065 .27 .53 0 1

416

lingkungan keluarga (Anggaran) Rendah 311 .35 .477 .027 .29 .40 0 1

Total 369 .36 .479 .025 .31 .40 0 1



Cukup 58 .31 .467 .061 .19 .43 0 1

Rendah 311 .36 .481 .027 .31 .41 0 1

Total 369 .35 .478 .025 .30 .40 0 1



Cukup 58 .21 .409 .054 .10 .31 0 1

Rendah 311 .23 .422 .024 .18 .28 0 1

Total 369 .23 .420 .022 .18 .27 0 1



Cukup 58 .19 .395 .052 .09 .29 0 1

Rendah 311 .16 .365 .021 .12 .20 0 1

Total 369 .16 .370 .019 .12 .20 0 1



Cukup 58 .36 .485 .064 .23 .49 0 1

Rendah 311 .37 .483 .027 .31 .42 0 1

Total 369 .37 .482 .025 .32 .42 0 1


lingkungan keluarga (Kartu

kredit)

Cukup 58 .16 .365 .048 .06 .25 0 1

Rendah 311 .21 .410 .023 .17 .26 0 1

Total 369 .20 .403 .021 .16 .24 0 1



Cukup 58 .88 .329 .043 .79 .97 0 1

Rendah 311 .86 .342 .019 .83 .90 0 1

Total 369 .87 .340 .018 .83 .90 0 1



Cukup 58 .03 .184 .024 -.01 .08 0 1

Rendah 311 .01 .080 .005 .00 .02 0 1

Total 369 .01 .104 .005 .00 .02 0 1

Sumber peningkatan

pengetahuan keuangan (Orang

tua)

Cukup 58 .74 .442 .058 .63 .86 0 1

Rendah 311 .77 .420 .024 .72 .82 0 1

Total 369 .77 .423 .022 .72 .81 0 1

Sumber peningkatan

pengetahuan keuangan (Teman)

Cukup 58 .53 .503 .066 .40 .67 0 1

Rendah 311 .48 .500 .028 .42 .53 0 1

Total 369 .49 .501 .026 .44 .54 0 1

Sumber peningkatan

pengetahuan keuangan (Lembaga

Pendidikan)

Cukup 58 .47 .503 .066 .33 .60 0 1

Rendah 311 .28 .450 .025 .23 .33 0 1

Total 369 .31 .463 .024 .26 .36 0 1

Sumber peningkatan

pengetahuan keuangan (Buku)

Cukup 58 .34 .479 .063 .22 .47 0 1

Rendah 311 .26 .438 .025 .21 .31 0 1

Total 369 .27 .445 .023 .23 .32 0 1

Sumber peningkatan

pengetahuan keuangan (Internet)

Cukup 58 .52 .504 .066 .38 .65 0 1

Rendah 311 .42 .495 .028 .37 .48 0 1

Total 369 .44 .497 .026 .39 .49 0 1

Sumber peningkatan Cukup 58 .26 .442 .058 .14 .37 0 1

417


(Pengalaman Kerja)

Rendah 311 .27 .446 .025 .22 .32 0 1

Total 369 .27 .445 .023 .23 .32 0 1









Topik yang disukai (Lain-lain) .420 1 367 .518





















ANOVA

Sum of

Squares

df Mean

Square

F Sig.

Topik yang disukai (Budgeting)Between

Groups.219 1 .219 1.273 .260

418


Total 63.220 368


Between

Groups.102 1 .102 .407 .524


Total 92.244 368


Between

Groups.408 1 .408 1.653 .199


Total 90.878 368


Between

Groups.050 1 .050 .499 .480


Total 36.444 368


Between

Groups.049 1 .049 .865 .353


Total 20.688 368


Between

Groups.081 1 .081 .673 .412


Total 43.951 368


Between

Groups.006 1 .006 .107 .744


Total 20.688 368


Between

Groups.032 1 .032 1.523 .218


Total 7.827 368


Between

Groups.004 1 .004 .076 .783


Total 20.688 368


Between

Groups.000 1 .000 .011 .917


Total 6.867 368

419


Between

Groups.009 1 .009 .100 .752


Total 32.488 368


Between

Groups.005 1 .005 .562 .454


Total 2.976 368


Between

Groups.074 1 .074 3.988 .047


Total 6.867 368


keluarga (Anggaran)

Between

Groups.119 1 .119 .516 .473


Total 84.493 368



Between

Groups.121 1 .121 .529 .468


Total 84.201 368


keluarga (Pajak)

Between

Groups.030 1 .030 .168 .682


Total 64.878 368


keluarga (Kredit)

Between

Groups.050 1 .050 .368 .544


Total 50.244 368


keluarga (Asuransi)

Between

Groups.001 1 .001 .004 .948


Total 85.610 368



Between

Groups.159 1 .159 .980 .323


Total 59.756 368


keluarga (Tabungan)

Between

Groups.010 1 .010 .087 .768


Total 42.493 368

420



Between

Groups.038 1 .038 3.603 .058


Total 3.957 368


(Orang tua)

Between

Groups.045 1 .045 .250 .617


Total 65.957 368


(Teman)

Between

Groups.150 1 .150 .598 .440


Total 92.195 368



Between

Groups1.687 1 1.687 8.031 .005


Total 78.780 368


(Buku)

Between

Groups.375 1 .375 1.898 .169


Total 72.900 368


(Internet)

Between

Groups.421 1 .421 1.708 .192


Total 90.878 368


(Pengalaman Kerja)

Between

Groups.011 1 .011 .053 .818


Total 72.900 368

bab v penutup 5.1. kesimpulan - e-journal.uajy.ac.ide-journal.uajy.ac.id/6696/6/em518191.pdf ·...

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