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Lampiran 1. Program pendugaan persamaan faktor-faktor yang mempengaruhi aksesibilitas industri agro skala mikro kecil pada sumber pembiayaan formal menggunakan model probit dengan program SAS 9.1
proc import
datafile = "D:\SAS8.xls"
out = work.SAS8 dbms=excel2002; sheet = 'sheet2';
getnames = yes; run;
/*membuat depskripsi variabel */ Label
AKSKF = 'akses terhadap kredit formal' UMR = 'umur pengusaha'
PENDD = 'tingkat pendidikan pengusaha'
KLWR = 'jumlah tanggungan keluarga pengusaha' JTK = 'jumlah tenaga kerja pengusaha'
PENGAL = 'pengalaman usaha' DPOS = 'dummy posisi pengusaha' DORGNS = 'dummy ikut organisasi' DPLTHN = 'dummy pelatihan' DSRTNH = 'dummy surat tanah' DASET = 'dummy aset'
DMSET = 'dummy omset' run;
proc logistic data = SAS8 descending;
model AKSKF = UMR PENDD KLWR DPOS DORGNS DPLTHN DMSET DASET/link = probit;
Lampiran 2. Hasil pendugaan persamaan faktor-faktor yang mempengaruhi aksesibilitas industri agro skala mikro kecil pada sumber pembiayaan formal menggunakan model probit dengan program SAS 9.1
The SAS System
The LOGISTIC Procedure Model Information
Data Set WORK.SAS8
Response Variable AKSKF AKSKF Number of Response Levels 2
Model binary probit Optimization Technique Fisher's scoring
Number of Observations Read 75 Number of Observations Used 72
Response Profile
Ordered Total Value AKSKF Frequency 1 1 19 2 0 53
Probability modeled is AKSKF=1.
Model Convergence Status
Convergence criterion (GCONV=1E-8) satisfied.
Model Fit Statistics
Intercept Intercept and Criterion Only Covariates
AIC 85.100 49.174 SC 87.377 69.664 -2 Log L 83.100 31.174
Testing Global Null Hypothesis: BETA=0
Test Chi-Square DF Pr > ChiSq Likelihood Ratio 51.9262 8 <.0001 Score 44.8417 8 <.0001 Wald 22.5211 8 0.004
The SAS System
The LOGISTIC Procedure
Analysis of Maximum Likelihood Estimates
Parameter DF Estimate Standard Error Wald Chi- Square Pr > ChiSq Intercept 1 -17.453 5.8557 8.8836 0.0029 UMR 1 3.2073 2.9609 1.1733 0.2787 PENDD 1 11.5552 3.1421 13.5247 0.0002 KLWR 1 0.929 3.4821 0.0712 0.7896 DPOS 1 2.2472 0.9354 5.7712 0.0163 DORGNS 1 -0.8135 0.7137 1.2994 0.2543 DPLTHN 1 0.6729 0.7077 0.904 0.3417 DMSET 1 -0.3819 0.7687 0.2468 0.6194 DASET 1 1.1793 0.6012 3.8485 0.0498
Association of Predicted Probabilities and Observed Responses
Percent Concordant 95.3 Somers' D 0.909 Percent Discordant 4.5 Gamma 0.91 Percent Tied 0.2 Tau-a 0.358 Pairs 1007 c 0.954
Lampiran 3. Hasil pendugaan persamaan faktor-faktor yang mempengaruhi aksesibilitas industri agro mikro kecil pada berbagai sumber pembiayaan menggunakan model multinomial logit (tahapan pertama dari Two Stage model) dengan program SPSS.
Case Processing Summary
N Marginal Percentage Akses .00 29 40.3% 1.00 7 9.7% 2.00 17 23.6% 3.00 19 26.4% Dummy_posisi .00 65 90.3% 1.00 7 9.7% Dummy_oganisasi .00 46 63.9% 1.00 26 36.1% Dummy_pelatihan .00 44 61.1% 1.00 28 38.9% Valid 72 100.0% Missing 0 Total 72 Subpopulation 72a
a. The dependent variable has only one value observed in 72 (100.0%) subpopulations.
Model Fitting Information
Model
Model Fitting Criteria Likelihood Ratio Tests -2 Log
Likelihood Chi-Square df Sig.
Intercept Only 185.076
Final 91.340 93.736 24 .000
Pseudo R-Square
Cox and Snell .728
Nagelkerke .788
Likelihood Ratio Tests
Effect
Model Fitting
Criteria Likelihood Ratio Tests
-2 Log Likelihood
of Reduced Model Chi-Square df Sig.
Intercept 91.340a .000 0 . Lama_pendidikan 108.545 17.204 3 .001 Keluarga 93.414 2.073 3 .557 Pengalaman_usaha 91.721 .380 3 .944 aset 109.178 17.838 3 .000 omset 100.185 8.845 3 .031 Dummy_posisi 92.484 1.143 3 .767 Dummy_oganisasi 96.081 4.741 3 .192 Dummy_pelatihan 92.077 .737 3 .864
The chi-square statistic is the difference in -2 log-likelihoods between the final model and a reduced model. The reduced model is formed by omitting an effect from the final model. The null hypothesis is that all parameters of that effect are 0.
a. This reduced model is equivalent to the final model because omitting the effect does not increase the degrees of freedom.
Parameter Estimates
Aksesa B Std.
Error Wald df Sig. Exp(B)
95% Confidence Interval for Exp(B) Lower Bound Upper Bound 1.00 Intercept 133.88 15648.506 .000 1 .993 Pendidikan -76.006 19583.205 .000 1 .997 9.799E-34 .000 .b Keluarga -4.953 8.892 .310 1 .577 .007 1.907E-10 261435.6 Pengalaman .246 4.551 .003 1 .957 1.279 .000 9557.290 Aset -17.652 8.248 4.580 1 .032 2.156E-8 2.055E-15 .226 Omset 5.464 4.556 1.439 1 .230 236.150 .031 1782786.8 [Dummy_posisi=.0 0] 7.131 .000 . 1 . 1249.938 1249.938 1249.938 [Dummy_posisi=1. 00] 0 c . . 0 . . . . [Dummy_oganisasi =.00] -18.642 3448.433 .000 1 .996 8.019E-9 .000 . b [Dummy_oganisasi =1.00] 0 c . . 0 . . . . [Dummy_pelatihan =.00] 25.590 4954.282 .000 1 .996 12987670674 6.816 .000 . b [Dummy_pelatihan =1.00] 0 c . . 0 . . . . 2.00 Intercept -5.604 17.573 .102 1 .750 Pendidikan -3.948 7.424 .283 1 .595 .019 9.250E-9 40228.291 Keluarga 5.365 4.385 1.497 1 .221 213.862 .040 1155631.7 16 Pengalaman_usaha -.492 2.228 .049 1 .825 .611 .008 48.157 Aset 4.688 2.188 4.591 1 .032 108.672 1.492 7916.854 Omset -3.668 1.697 4.674 1 .031 .026 .001 .710 [Dummy_posisi=.0 0] .190 1.574 .015 1 .904 1.210 .055 26.457 [Dummy_posisi=1. 00] 0 c . . 0 . . . .
[Dummy_oganisasi =.00] -.979 1.423 .474 1 .491 .376 .023 6.107 [Dummy_oganisasi =1.00] 0 c . . 0 . . . . [Dummy_pelatihan =.00] -.516 1.092 .223 1 .636 .597 .070 5.073 [Dummy_pelatihan =1.00] 0 c . . 0 . . . . 3.00 Intercept -54.538 27.983 3.799 1 .051 Lama_pendidikan 17.767 8.179 4.718 1 .030 51987954.8 5.673 4764356338 94362.700 Keluarga 2.898 6.366 .207 1 .649 18.136 6.918E-5 4754690.6 Pengalaman_usaha -1.612 2.714 .353 1 .552 .199 .001 40.761 aset 6.027 2.897 4.329 1 .037 414.343 1.418 121076.19 0 omset -1.067 3.033 .124 1 .725 .344 .001 131.271 [Dummy_posisi=.0 0] -1.390 1.657 .703 1 .402 .249 .010 6.413 [Dummy_posisi=1. 00] 0 c . . 0 . . . . [Dummy_oganisasi =.00] 1.822 1.838 .983 1 .321 6.187 .169 226.979 [Dummy_oganisasi =1.00] 0 c . . 0 . . . . [Dummy_pelatihan =.00] -.887 1.471 .364 1 .546 .412 .023 7.356 [Dummy_pelatihan =1.00] 0c . . 0 . . . .
a. The reference category is: .00.
b. Floating point overflow occurred while computing this statistic. Its value is therefore set to system missing. c. This parameter is set to zero because it is redundant.
Lampiran 4. Hasil pendugaan kinerja usaha (nilai aset) pengusaha industri agro skala mikro kecil menggunakan program SPSS (tahapan kedua model two stage)
Model Summaryb
Model R R Square Adjusted R Square
Std. Error of the
Estimate Durbin-Watson
1 .865a .748 .716 .19040 1.954
a. Predictors: (Constant), Bank, keluarga, jenis_usaha, Informal, pendapatan, pengalaman, PKBL,pendidikan b. Dependent Variable: aset
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1 Regression 6.773 8 .847 23. 356 .00 0b Residual 2.284 63 .036 Total 9.057 71
a. Dependent Variable: aset
b. Predictors: (Constant), Bank, keluarga, jenis_usaha, Informal, pendapatan, pengalaman, PKBL, pendidikan Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. Collinearity Statistics
B Std. Error Beta Tolerance VIF
1 (Constant) 4.391 .919 4.777 .000 pendapatan .325 .095 .284 3.416 .001 .580 1.723 pengalaman .392 .132 .245 2.978 .004 .590 1.695 pendidikan .082 .453 .026 .182 .856 .199 5.022 keluarga .169 .296 .042 .572 .569 .737 1.356 jenis_usaha .130 .069 .181 1.887 .064 .433 2.307 Informal -.058 .123 -.038 -.473 .638 .630 1.588 PKBL .284 .079 .325 3.574 .001 .484 2.067 Bank .432 .126 .537 3.440 .001 .165 6.078
Lampiran 5. Hasil pendugaan kinerja usaha (nilai produksi) pengusaha industri agro skala mikro kecil menggunakan program SPSS (tahapan kedua model two stage)
Variables Entered/Removeda
Model Variables Entered Variables Removed Method 1 Bank, Informal, PKBL,
Bahanbaku, Pengalaman, Tenagakerja, Aset, Pendidikanb
. Enter
a. Dependent Variable: Nilai_produksi b. All requested variables entered.
Model Summaryb Model R R Square Adjusted R
Square
Std. Error of the
Estimate Durbin-Watson
1 .912a .832 .810 .12301 1.974
a. Predictors: (Constant), Bank, Informal, PKBL, Bahanbaku, Pengalaman, Tenagakerja, Aset, Pendidikan
b. Dependent Variable: Nilai_produksi
ANOVAa
Model Sum of
Squares df Mean Square F Sig.
1 Regression 4.710 8 .589 38.913 .000b
Residual .953 63 .015
Total 5.664 71
a. Dependent Variable: Nilai_produksi
b. Predictors: (Constant), Bank, Informal, PKBL, Bahanbaku, Pengalaman, Tenagakerja, Aset, Pendidikan
Coefficientsa
Model Unstandardized Coefficients
Standardized Coefficients t Sig. B Std. Error Beta 1 (Constant) 1.024 .881 1.163 .249 Bahanbaku .810 .074 .726 10.882 .000 Aset .140 .083 .177 1.684 .097 Pengalaman .167 .099 .132 1.682 .098 Pendidikan -.532 .289 -.210 -1.842 .070 Tenagakerja .274 .120 .203 2.285 .026 Informal .122 .073 .100 1.664 .101 PKBL .013 .054 .018 .233 .816 Bank .101 .088 .159 1.152 .254
a. Dependent Variable: Nilai_produksi
Residuals Statisticsa
Minimum Maximum Mean Std. Deviation N
Predicted Value 7.8201 8.8837 8.4335 .25757 72
Residual -.41678 .35366 .00000 .11587 72
Std. Predicted
Value -2.382 1.748 .000 1.000 72
Std. Residual -3.388 2.875 .000 .942 72
Lampiran 6. Hasil pendugaan kinerja usaha (pendapatan usaha) pengusaha industri agro skala mikro kecil menggunakan program SPSS (tahapan kedua model two stage)
Variables Entered/Removeda
Model Variables Entered Variables Removed Method
1 Bank, Keluarga, Informal, PKBL, Biaya_produksi, Tenagakerja, Penjualan, Pengeluaranb
. Enter
a. Dependent Variable: Pendapatan b. All requested variables entered.
Model Summaryb
Model R R Square Adjusted R Square Std. Error of the
Estimate Durbin-Watson
1 .908
a .824 .802 .13870 1.796
a. Predictors: (Constant), Bank, Keluarga, Informal, PKBL, Biaya_produksi, Tenagakerja, Penjualan, Pengeluaran
b. Dependent Variable: Pendapatan
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1 Regression 5.677 8 .710 36. 889 .00 0b Residual 1.212 63 .019 Total 6.889 71
a. Dependent Variable: Pendapatan
b. Predictors: (Constant), Bank, Keluarga, Informal, PKBL, Biaya_produksi, Tenagakerja, Penjualan, Pengeluaran
Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. Collinearity Statistics
B Std. Error Beta Tolerance VIF
1 (Constant) -.154 1.528 -.101 .920 Pengeluaran -.144 .669 -.097 -.215 .830 .014 73.245 Biaya_produksi -.583 .528 -.510 -1.105 .273 .013 76.263 Penjualan 1.706 .211 1.547 8.069 .000 .076 13.159 Keluarga -.150 .222 -.043 -.675 .502 .693 1.442 Tenagakerja -.119 .125 -.080 -.956 .343 .397 2.518 Informal -4.700E-5 .085 .000 -.001 1.000 .710 1.409 PKBL .004 .048 .005 .080 .937 .690 1.450 Bank -.044 .049 -.063 -.897 .373 .571 1.752