APPENDICES APPENDIX 1 STATISTIC DESCRIPTIVE OF GENDER

(1)

80 APPENDICES

APPENDIX 1 STATISTIC DESCRIPTIVE OF GENDER GENDER

Frequency Percent Valid Percent Cumulative Percent

Valid

MALE 72 36,0 36,0 36,0

FEMALE 128 64,0 64,0 100,0

Total 200 100,0 100,0

APPENDIX 2 STATISTIC DESCRIPTIVE OF AGE AGE

Frequency Percent Valid Percent Cumulative Percent Valid 18,00 20 10,0 10,0 10,0 19,00 59 29,5 29,5 39,5 20,00 67 33,5 33,5 73,0 21,00 25 12,5 12,5 85,5 22,00 22 11,0 11,0 96,5 23,00 7 3,5 3,5 100,0 Total 200 100,0 100,0

APPENDIX 3 STATISTIC DESCRIPTIVE OF ORIGIN ORIGIN

Frequency Percent Valid Percent Cumulative Percent Valid 1 ,5 ,5 ,5 AMBARAWA 4 2,0 2,0 2,5 AMBON 5 2,5 2,5 5,0 BALIKPAPAN 1 ,5 ,5 5,5 BANJARNEGARA 1 ,5 ,5 6,0 BANYUMAS 1 ,5 ,5 6,5 BATAM 1 ,5 ,5 7,0 BATANG 1 ,5 ,5 7,5

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81 BAWEN 2 1,0 1,0 8,5 BEKASI 4 2,0 2,0 10,5 BOGOR 2 1,0 1,0 11,5 BOYOLALI 6 3,0 3,0 14,5 CILACAP 1 ,5 ,5 15,0 CIREBON 3 1,5 1,5 16,5 HALMAHERA 1 ,5 ,5 17,0 JAKARTA 2 1,0 1,0 18,0 JAMBI 1 ,5 ,5 18,5 JATIM 1 ,5 ,5 19,0 JEPARA 4 2,0 2,0 21,0 KAB. SMG 2 1,0 1,0 22,0 KALBAR 1 ,5 ,5 22,5 KALIMANTAN 2 1,0 1,0 23,5 KALSEL 1 ,5 ,5 24,0 KENDAL 3 1,5 1,5 25,5 KENDARI 2 1,0 1,0 26,5 KLATEN 1 ,5 ,5 27,0 KOREA 1 ,5 ,5 27,5 KUDUS 3 1,5 1,5 29,0 LAMPUNG 7 3,5 3,5 32,5 LUBUK LINGGA 1 ,5 ,5 33,0 MADIUN 1 ,5 ,5 33,5 MAGELANG 1 ,5 ,5 34,0 MAGETAN 2 1,0 1,0 35,0 MAKASSAR 2 1,0 1,0 36,0 MANADO 3 1,5 1,5 37,5 NTT 1 ,5 ,5 38,0 PALEMBANG 1 ,5 ,5 38,5 PAPUA 4 2,0 2,0 40,5 PATI 3 1,5 1,5 42,0 PEKALONGAN 4 2,0 2,0 44,0

(3)

82 PURWODADI 1 ,5 ,5 44,5 PURWOREJO 1 ,5 ,5 45,0 REMBANG 2 1,0 1,0 46,0 SALATIGA 61 30,5 30,5 76,5 SAMARINDA 1 ,5 ,5 77,0 SEMARANG 14 7,0 7,0 84,0 SOLO 4 2,0 2,0 86,0 SUKABUMI 1 ,5 ,5 86,5 SULAWESI 3 1,5 1,5 88,0 SUMBA 1 ,5 ,5 88,5 SURAKARTA 1 ,5 ,5 89,0 SUSUKAN 1 ,5 ,5 89,5 TANGERANG 3 1,5 1,5 91,0 TEGAL 9 4,5 4,5 95,5 TEMANGGUNG 2 1,0 1,0 96,5 TORAJA 3 1,5 1,5 98,0 TUNTANG 1 ,5 ,5 98,5 UNGARAN 2 1,0 1,0 99,5 YOGYAKARTA 1 ,5 ,5 100,0 Total 200 100,0 100,0

APPENDIX 4 STATISTIC DESCRIPTIVE OF SAVING SAVING

Frequency Percent Valid Percent Cumulative Percent

Valid

NO SAVING 40 20,0 20,0 20,0

HAVE SAVING 160 80,0 80,0 100,0

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83

APPENDIX 5 STATISTIC DESCRIPTIVE OF POCKET MONEY

POCKET

Frequency Percent Valid Percent Cumulative Percent Valid <500,000 66 33,0 33,0 33,0 500,000-950,000 86 43,0 43,0 76,0 1,000,000-1,450,000 36 18,0 18,0 94,0 1,500,000-1,950,000 10 5,0 5,0 99,0 >2,000,000 2 1,0 1,0 100,0 Total 200 100,0 100,0

APPENDIX 6 STATISTIC DESCRIPTIVE OF AVERAGE PEER ACCEPTANCE

AVERAGEPEER

Frequency Percent Valid Percent Cumulative Percent Valid 1,00 6 3,0 3,0 3,0 1,25 8 4,0 4,0 7,0 1,50 11 5,5 5,5 12,5 1,75 18 9,0 9,0 21,5 2,00 27 13,5 13,5 35,0 2,25 33 16,5 16,5 51,5 2,50 30 15,0 15,0 66,5 2,75 27 13,5 13,5 80,0 3,00 19 9,5 9,5 89,5 3,25 9 4,5 4,5 94,0 3,50 7 3,5 3,5 97,5 3,75 2 1,0 1,0 98,5 4,00 2 1,0 1,0 99,5 4,25 1 ,5 ,5 100,0 Total 200 100,0 100,0

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84

APPENDIX 7 STATISTIC DESCRIPTIVE OF AVERAGE MONEY RETENTION

AVERAGEMONEYRETENTION

Frequency Percent Valid Percent Cumulative Percent Valid 1,75 1 ,5 ,5 ,5 2,00 2 1,0 1,0 1,5 2,25 5 2,5 2,5 4,0 2,50 5 2,5 2,5 6,5 2,75 17 8,5 8,5 15,0 3,00 30 15,0 15,0 30,0 3,25 37 18,5 18,5 48,5 3,50 32 16,0 16,0 64,5 3,75 17 8,5 8,5 73,0 4,00 25 12,5 12,5 85,5 4,25 15 7,5 7,5 93,0 4,50 5 2,5 2,5 95,5 4,75 6 3,0 3,0 98,5 5,00 3 1,5 1,5 100,0 Total 200 100,0 100,0

APPENDIX 8 ASSESSMENT OF NORMALITY Assessment of normality (Group number 1)

Variable min max skew c.r. kurtosis c.r.

POCKETMONEY 1,000 5,000 ,826 4,771 ,315 ,909 C4 1,000 4,000 ,129 ,744 -,615 -1,774 B4 1,000 5,000 ,061 ,354 -,567 -1,637 M4 1,000 5,000 ,073 ,419 -,111 -,322 P4 1,000 4,000 ,119 ,690 -,718 -2,074 B3 1,000 5,000 ,229 1,321 -,601 -1,736 B2 1,000 5,000 ,338 1,954 -,401 -1,158 B1 1,000 5,000 1,110 6,407 ,616 1,777 C1 1,000 5,000 -,615 -3,549 -,177 -,510 C2 1,000 4,000 ,022 ,127 -,435 -1,257 C3 1,000 4,000 ,107 ,615 -,495 -1,429

(6)

85

Variable min max skew c.r. kurtosis c.r.

M1 1,000 5,000 -,278 -1,603 -,048 -,137 M2 1,000 5,000 -,189 -1,090 ,207 ,598 M3 1,000 5,000 -,510 -2,946 ,266 ,769 P1 1,000 5,000 ,267 1,540 -,352 -1,015 P2 1,000 5,000 -,220 -1,271 -,055 -,159 P3 1,000 5,000 ,212 1,224 -,332 -,959 Multivariate 8,592 2,390

APPENDIX 9 UNIVARIATE OUTLIERS Descriptive Statistics

N Minimum Maximum Mean Std. Deviation Zscore(POCKETMONEY) 200 -1,03643 3,19390 0E-7 1,00000000 Zscore(B1) 200 -,92546 2,87130 0E-7 1,00000000 Zscore(B2) 200 -1,49255 2,81806 0E-7 1,00000000 Zscore(B3) 200 -1,50575 2,82735 0E-7 1,00000000 Zscore(B4) 200 -1,55388 2,70333 0E-7 1,00000000 Zscore(C1) 200 -2,31926 1,74962 0E-7 1,00000000 Zscore(C2) 200 -1,72867 2,21506 0E-7 1,00000000 Zscore(C3) 200 -1,63618 2,08242 0E-7 1,00000000 Zscore(C4) 200 -1,55433 1,97824 0E-7 1,00000000 Zscore(P1) 200 -1,42590 3,23010 0E-7 1,00000000 Zscore(P2) 200 -2,00343 3,05255 0E-7 1,00000000 Zscore(P3) 200 -1,49251 3,22689 0E-7 1,00000000 Zscore(P4) 200 -1,49508 1,92877 0E-7 1,00000000 Zscore(M1) 200 -3,00817 1,79530 0E-7 1,00000000 Zscore(M2) 200 -3,01434 1,78939 0E-7 1,00000000 Zscore(M3) 200 -3,19443 1,69189 0E-7 1,00000000 Zscore(M4) 200 -2,36104 1,98110 0E-7 1,00000000 Valid N (listwise) 200

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86

APPENDIX 10 MULTIVARIATE OUTLIERS Residuals Statisticsa

Minimum Maximum Mean Std. Deviatio

n

N

Predicted Value 6,3321 13,4180 10,2350 1,44841 200 Std. Predicted Value -2,695 2,198 ,000 1,000 200 Standard Error of Predicted

Value ,159 ,654 ,299 ,091 200

Adjusted Predicted Value 6,1691 13,3305 10,2383 1,44705 200

Residual -5,77673 6,17625 ,00000 2,19465 200

Std. Residual -2,612 2,793 ,000 ,992 200

Stud. Residual -2,650 2,807 -,001 1,003 200

Deleted Residual -5,94406 6,24073 -,00325 2,24333 200 Stud. Deleted Residual -2,692 2,858 ,000 1,009 200

Mahal. Distance ,029 16,413 2,985 2,637 200

Cook's Distance ,000 ,068 ,006 ,010 200

Centered Leverage Value ,000 ,082 ,015 ,013 200 a. Dependent Variable: CBB

APPENDIX 11 INSTRUMENTS’ VALIDITY

Squared Multiple Correlations: (Group number 1 - Default model) Estimate C1 ,178 B4 ,781 M4 ,009 P4 ,013 B3 ,703 B2 ,638 B1 ,013 C4 ,631 C3 ,651 C2 ,615 M1 ,536 M2 ,655 M3 ,657

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87 Estimate

P1 ,825

P2 ,644

P3 ,745

APPENDIX 12 INSTRUMENTS’ RELIABILITY

Standardized Regression Weights: (Group number 1 - Default model)

Estimate COMPULSIVE_BUYING <--- MONEY_RETENTION -,360 COMPULSIVE_BUYING <--- PEER_ACCEPTANCE ,310 COMPULSIVE_BUYING <--- POCKETMONEY ,057 BORROWING_HABIT <--- POCKETMONEY -,021 BORROWING_HABIT <--- COMPULSIVE_BUYING ,158 BORROWING_HABIT <--- PEER_ACCEPTANCE -,082 BORROWING_HABIT <--- MONEY_RETENTION -,492 P3 <--- PEER_ACCEPTANCE ,865 P2 <--- PEER_ACCEPTANCE ,803 P1 <--- PEER_ACCEPTANCE ,907 M3 <--- MONEY_RETENTION ,812 M2 <--- MONEY_RETENTION ,810 M1 <--- MONEY_RETENTION ,732 C4 <--- COMPULSIVE_BUYING ,805 C3 <--- COMPULSIVE_BUYING ,803 C2 <--- COMPULSIVE_BUYING ,784 B2 <--- BORROWING_HABIT ,801 B3 <--- BORROWING_HABIT ,840 B4 <--- BORROWING_HABIT ,881

1. Sum of Standardized Loading

Peer Acceptance = 0.856 + 0.803 + 0.907 = 2.575 Money Retention = 0.812 + 0.810 + 0.732 = 2.354 CBB = 0.805 + 0.803 + 0.784 = 2.392

Borhab = 0.801 + 0.840 + 0.881 = 2.522 2. Sum of Measurement Error

Peer Acceptance = 0.135 + 0.197 + 0.093 = 0.425 Money Retention = 0.188 + 0.190 + 0.268 = 0.608 CBB = 0.195 + 0.197 + 0.216 = 0.608

(9)

88 3. Perhitungan Reliabilitas Peer Acceptance = (2.572 )2 (2.5722_{) + 0.425} = 0.939 Money Retention = (2.352 )2 (2.3522_{) + 0.646} = 0.896 CBB = (2.392)2 (2.3922) + 0.608 = 0.9039 Borrowing Habit = (2.522 )2 (2.5222) + 0.478 = 0.930

APPENDIX 13 STATISTIC DESCRIPTIVE OF THE INSTRUMENTS Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

P1 200 1 5 2,23 ,859 P2 200 1 5 2,58 ,791 P3 200 1 5 2,27 ,848 M1 200 1 5 3,51 ,833 M2 200 1 5 3,51 ,833 M3 200 1 5 3,61 ,819 C2 200 1 4 2,31 ,761 C3 200 1 4 2,32 ,807 C4 200 1 4 2,32 ,849 B2 200 1 5 2,39 ,928 B3 200 1 5 2,39 ,923 B4 200 1 5 2,46 ,940 Valid N (listwise) 200

(10)

89 APPENDIX 14 REGRESSION WEIGHT

Regression Weights: (Group number 1 - Default model)

Estimate S.E. C.R. P COMPULSIVE_BUYING <--- MONEY_RETENTION -,371 ,085 -4,371 *** COMPULSIVE_BUYING <--- PEER_ACCEPTANCE ,289 ,072 4,045 *** COMPULSIVE_BUYING <--- POCKETMONEY ,041 ,051 ,805 ,421 BORROWING_HABIT <--- POCKETMONEY -,017 ,053 -,319 ,750 BORROWING_HABIT <--- COMPULSIVE_BUYING ,172 ,097 1,775 ,076 BORROWING_HABIT <--- PEER_ACCEPTANCE -,083 ,077 -1,077 ,282 BORROWING_HABIT <--- MONEY_RETENTION -,549 ,101 -5,418 ***

APPENDIX 15 STANDARDIZED REGRESSION WEIGHT Standardized Regression Weights: (Group number 1 - Default model)

Estimate COMPULSIVE_BUYING <--- MONEY_RETENTION -,360 COMPULSIVE_BUYING <--- PEER_ACCEPTANCE ,310 COMPULSIVE_BUYING <--- POCKETMONEY ,057 BORROWING_HABIT <--- POCKETMONEY -,021 BORROWING_HABIT <--- COMPULSIVE_BUYING ,158 BORROWING_HABIT <--- PEER_ACCEPTANCE -,082 BORROWING_HABIT <--- MONEY_RETENTION -,492

(11)

90 APPENDIX 16 THE OUTPUT OF CFA

(12)

(13)

92

APPENDIX 17 THE OUTPUT OF FULL SEM BEFORE MODIFICATION

(14)

93

APPENDIX 18 THE OUTPUT OF FULL SEM AFTER MODIFICATION

(15)

94

APPENDIX 19 THE RELATIONSHIP BETWEEN MONEY RETENTION AND BORROWING HABIT

Estimate S.E. C.R. P BORROWING_ HABIT <--- MONEY_RETENTION -,606 ,094 -6,423 *** M3 <--- MONEY_RETENTION 1,000 M2 <--- MONEY_RETENTION 1,018 ,095 10,720 *** M1 <--- MONEY_RETENTION ,918 ,092 9,996 *** B2 <--- BORROWING_HABIT 1,000 B3 <--- BORROWING_HABIT 1,050 ,083 12,727 *** B4 <--- BORROWING_HABIT 1,113 ,085 13,085 ***

Standardized Regression Weights: (Group number 1 - Default model) Estimate BORROWING_HABIT <--- MONEY_RETENTION -,543 M3 <--- MONEY_RETENTION ,811 M2 <--- MONEY_RETENTION ,812 M1 <--- MONEY_RETENTION ,732 B2 <--- BORROWING_HABIT ,799 B3 <--- BORROWING_HABIT ,844 B4 <--- BORROWING_HABIT ,879

(16)

95

APPENDIX 20 THE RELATIONSHIP BETWEEN MONEY RETENTION AND CBB Regression Weights: (Group number 1 - Default model)

Estimate S.E. C.R. P COMPULSIVE_BUYING <--- MONEY_RETENTION -,419 ,087 -4,794 *** M3 <--- MONEY_RETENTION 1,000 M2 <--- MONEY_RETENTION ,983 ,095 10,353 *** M1 <--- MONEY_RETENTION ,934 ,093 10,053 *** C4 <--- COMPULSIVE_BUYING 1,000 C3 <--- COMPULSIVE_BUYING ,951 ,089 10,721 *** C2 <--- COMPULSIVE_BUYING ,886 ,083 10,651 ***

Estimate COMPULSIVE_BUYING <--- MONEY_RETENTION -,412 M3 <--- MONEY_RETENTION ,817 M2 <--- MONEY_RETENTION ,790 M1 <--- MONEY_RETENTION ,750 C4 <--- COMPULSIVE_BUYING ,800 C3 <--- COMPULSIVE_BUYING ,801 C2 <--- COMPULSIVE_BUYING ,791

(17)

96 APPENDIX 21 THE MEDIATING EFFECT

Estimate S.E. C.R. P COMPULSIVE_BUYING <--- MONEY_RETENTION -,421 ,087 -4,818 *** BORROWING_HABIT <--- COMPULSIVE_BUYING ,141 ,090 1,560 ,119 BORROWING_HABIT <--- MONEY_RETENTION -,544 ,101 -5,401 *** M3 <--- MONEY_RETENTION 1,000 M2 <--- MONEY_RETENTION 1,005 ,092 10,875 *** M1 <--- MONEY_RETENTION ,913 ,090 10,112 *** C4 <--- COMPULSIVE_BUYING 1,000 C3 <--- COMPULSIVE_BUYING ,943 ,088 10,719 *** C2 <--- COMPULSIVE_BUYING ,889 ,083 10,717 *** B2 <--- BORROWING_HABIT 1,000 B3 <--- BORROWING_HABIT 1,044 ,082 12,743 *** B4 <--- BORROWING_HABIT 1,111 ,084 13,155 ***

Estimate COMPULSIVE_BUYING <--- MONEY_RETENTION -,413 BORROWING_HABIT <--- COMPULSIVE_BUYING ,129 BORROWING_HABIT <--- MONEY_RETENTION -,489 M3 <--- MONEY_RETENTION ,816 M2 <--- MONEY_RETENTION ,806 M1 <--- MONEY_RETENTION ,732

(18)

97 C4 <--- COMPULSIVE_BUYING ,801 C3 <--- COMPULSIVE_BUYING ,795 C2 <--- COMPULSIVE_BUYING ,795 B2 <--- BORROWING_HABIT ,801 B3 <--- BORROWING_HABIT ,841 B4 <--- BORROWING_HABIT ,880

(19)

98

APPENDIX 21 RESPONDENTS’ CHARACTERISTICS NO STUDENT

NUMBER AGE GENDER ORIGIN

STAY IN/

WITH SAVING

1 232012177 22 L SURAKARTA KOS YA

2 232012141 19 P BEKASI KERABAT YA

3 212012134 19 P BEKASI KOS YA

4 212012179 19 L SEMARANG KOS TIDAK

5 232012206 20 L PURWODADI KOS YA

6 212012058 19 L KENDAL KERABAT YA

7 212011097 20 P SALATIGA ORTU TIDAK

8 232012180 19 L KALSEL KONTRAK YA 9 232012070 19 l SALATIGA ORTU YA 10 212012065 19 P PATI KOS YA 11 232012122 19 P KUDUS KOS YA 12 232012107 19 P BAWEN KOS YA 13 212012901 23 L KOREA KERABAT YA 14 2320 20 L SALATIGA ORTU YA 15 232010103 21 L AMBON KOS YA

16 232010182 21 P SULUT KOS TIDAK

17 222011023 20 P JATIM KOS YA

18 212012062 19 P PATI KOS YA

19 212012144 19 P BANJARNEGARA KOS YA

20 212012803 19 P KUDUS KOS YA

21 232012138 19 P SAMARINDA ORTU YA

22 232012040 20 P KAB. SMG ORTU TIDAK

23 212012063 19 P SALATIGA ORTU YA

24 212012047 20 P BATANG KOS YA

25 212012059 20 P LAMPUNG KOS TIDAK

27 232011229 20 P PEKALONGAN KOS YA 28 232008189 22 L SALATIGA ORTU YA 29 222009009 22 L SEMARANG ORTU YA 30 232011140 20 P UNGARAN KOS YA 31 232011187 20 P SALATIGA ORTU YA 32 232013055 18 P SALATIGA ORTU YA 33 232010102 21 P KENDARI KOS YA 34 232012026 19 L LAMPUNG KOS YA 35 232012183 19 P SALATIGA ORTU YA

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99 36 232012227 20 L MADIUN KOS YA 37 232013235 18 L UNGARAN ORTU YA 38 232012199 20 P TANGERANG KONTRAK YA 39 212011074 21 L AMBARAWA ORTU YA 40 212011122 20 L SALATIGA ORTU YA 41 232013014 19 L SALATIGA ORTU YA 42 232013339 18 L SUSUKAN ORTU YA 43 232013237 19 L BOYOLALI KOS YA 44 232013281 19 P SALATIGA ORTU YA 45 222012017 21 L SALATIGA ORTU YA 46 212012075 19 P SALATIGA ORTU YA 47 212010059 21 L SALATIGA ORTU YA 48 212010001 23 L AMBARAWA ORTU YA

49 232013282 19 P MAKASSAR KOS TIDAK

50 222009002 21 P BOGOR KOS YA 51 212013218 18 L ACEH KOS YA 52 212013213 18 L TEGAL KOS YA 53 212013125 18 L TEGAL KOS YA 54 232010023 22 P BOYOLALI KOS YA 55 232010008 21 P MEDAN KOS YA 56 212012154 22 P SALATIGA ORTU YA 57 212010056 21 P SALATIGA KOS YA

59 212011123 20 P SEMARANG KOS YA

60 212011022 20 P JEPARA KOS YA

61 232011112 21 P MAGETAN KOS YA

62 232011040 21 L SALATIGA ORTU YA

63 232011048 20 L LAMPUNG KOS YA

65 232010178 22 P BOYOLALI ORTU YA 66 212013239 22 P BOYOLALI KOS YA 67 212013230 17 P SALATIGA ORTU YA 68 232011087 20 P SALATIGA ORTU YA 69 232013342 18 P BLORA KOS YA 70 212010049 21 P BENGKULU KOS YA 71 232013305 19 P PATI KOS YA 72 212012183 22 L SUMBA KOS YA

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100

73 222013008 19 P SULAWESI KOS YA

74 232012193 20 L BATAM KOS TIDAK

75 212012081 20 L SALATIGA ORTU YA 76 212012073 19 L SALATIGA ORTU YA 77 212012074 20 L SALATIGA ORTU YA 78 232012225 21 L SALATIGA KERABAT YA 79 232012238 19 L JAKARTA KOS YA 80 232012243 20 L SALATIGA ORTU YA 81 212012067 19 L SALATIGA ORTU YA 82 212012117 19 L SALATIGA ORTU YA

83 232013312 19 P SULAWESI KOS TIDAK

85 232011172 20 P LAMPUNG KOS YA

87 232011079 20 L SURAKARTA KOS YA

88 232013343 18 L BOYOLALI KOS YA

89 232013009 18 P DENPASAR KERABAT TIDAK

90 232012245 19 P TORAJA KOS YA

91 232013198 18 P SEMARANG KOS TIDAK

92 232013345 18 L AMBARAWA KOS YA 93 232012190 19 L SALATIGA ORTU YA 94 222013018 21 P TEMANGGUNG KOS YA 95 212012112 19 P SALATIGA ORTU YA 96 212012138 20 L KALSEL KOS YA 97 212012085 19 P BOYOLALI KOS YA 98 212012606 20 P BAWEN ORTU YA

99 212012024 19 P TEGAL KOS TIDAK

100 212013141 19 P LAMPUNG KERABAT YA 101 212012172 20 L SALATIGA ORTU YA 102 212013801 19 P SALATIGA ORTU YA 103 212012101 19 L SALATIGA ORTU YA 104 232013151 18 P SALATIGA ORTU YA 105 232013192 18 L LAMPUNG KOS YA 106 232011217 21 L SALATIGA ORTU YA

107 232011104 20 P MANADO KOS TIDAK

108 212013181 19 P JEPARA KOS YA

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101

110 232008164 23 P HALMAHERA KOS YA

112 212012201 19 L BALIKPAPAN KOS YA

113 212012130 21 L KALBAR KOS TIDAK

114 212012183 22 L SEMARANG KOS TIDAK

116 ARDI SURYA 19 L PURWOREJO KOS YA

117 232012181 20 L UNGARAN KOS YA

118 ADITIA 20 L SALATIGA ORTU TIDAK

119 232012257 20 L SALATIGA ORTU YA 120 212012081 20 L SALATIGA ORTU YA 121 232013140 19 P SALATIGA ORTU YA 122 232011180 21 P SALATIGA ORTU YA 123 232010101 21 L MAGELANG KOS YA 124 212012108 19 L PURWOREJO KOS YA 125 212012217 19 L SEMARANG KOS YA 126 212012155 19 L KALIMANTAN KOS YA 127 212012174 19 L KAB. SMG KERABAT YA

128 212012141 20 L CILACAP KOS TIDAK

129 232011034 21 L TEGAL KOS YA

130 212013122 19 P YOGYAKARTA KOS TIDAK

131 232012255 19 P LAMPUNG KOS YA 132 232011052 20 P SOLO KOS YA 133 212011029 20 P SEMARANG KOS YA 134 232011218 20 P BOYOLALI KOS YA 135 232011267 20 P KENDAL KOS YA 136 232011270 20 P BEKASI KERABAT YA 137 232011075 20 P SALATIGA ORTU YA

138 232011142 20 P SEMARANG KOS TIDAK

139 232011193 20 L BOYOLALI KOS TIDAK

140 232011235 21 L LAMPUNG KOS YA 141 232011189 21 P KAB. SMG ORTU YA 142 232011063 20 L SALATIGA ORTU YA 143 232011123 20 P SALATIGA ORTU YA 144 232009239 23 P PALEMBANG KONTRAK YA 145 222013005 18 L SALATIGA ORTU YA 146 232012265 20 P SULAWESI ORTU YA

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102

147 212011029 19 P JEPARA KOS YA

148 232010159 22 P SULAWESI KOS YA

149 212013192 20 L SALATIGA ORTU TIDAK

150 232013288 19 P SEMARANG ORTU YA 151 232013318 18 P SEMARANG KOS YA 152 232013336 18 P BOGOR KONTRAK YA 153 212013186 19 P MAKASSAR KOS YA 154 222012014 21 P SEMARANG KERABAT YA 155 222012019 19 P UNGARAN KERABAT YA 156 222012023 18 P SALATIGA ORTU YA

161 232011210 20 L KLATEN KERABAT YA

162 232011263 20 P KUPANG KONTRAK YA

163 212012190 19 P PEKALONGAN KOS YA

164 212012192 18 P MANADO KOS TIDAK

165 232011050 20 P AMBON KOS TIDAK

166 232010051 21 P JAYAPURA KOS YA

167 232013120 20 L PAPUA KONTRAK YA

168 212009124 23 L PAPUA KOS YA

169 232009155 23 L PAPUA KOS TIDAK

170 232009178 22 P KENDARI KOS YA

171 232008081 23 P PEKALONGAN KOS YA

173 232008122 24 L SALATIGA ORTU TIDAK

174 232009121 23 L MEDAN KOS YA

175 222012022 20 L MALUKU KONTRAK TIDAK

176 232012016 19 L CIREBON KOS YA

179 232013200 18 L TORAJA KOS YA

180 232013324 24 P WONOSOBO KONTRAK TIDAK

181 23201337 18 P TORAJA KOS YA

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103

184 232013185 18 P CIREBON KOS YA

185 232013177 19 L MAGELANG KERABAT YA

186 232010106 21 P JAKARTA KOS YA

187 232011112 21 P MAGETAN KOS YA

188 232011239 21 L BEKASI KERABAT TIDAK

189 232011235 21 L BEKASI KOS TIDAK

190 212012122 20 P KALIMANTAN KOS YA 191 212012027 20 P TEGAL KOS YA 192 232012044 19 P REMBANG KOS YA 193 232012041 19 P SALATIGA ORTU YA 194 232011205 21 L LAMPUNG ORTU YA 195 232011064 20 L JAYAPURA KONTRAK YA 196 232011006 20 L PEKALONGAN KOS YA

197 232011011 20 L PEKALONGAN KOS TIDAK

198 232011030 21 L TEGAL KOS YA

199 232011603 23 L KAB. SMG ORTU YA

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104 APPENDIX 22 RESPONDENTS’ ANSWER

NO POCKET MONEY BORROWING HABIT CBB PEER ACCEPTANCE MONEY RETENTION B1 B2 B3 B4 C1 C2 C3 C4 P1 P2 P3 P4 M1 M2 M3 M4 1 500,000 – 950,000 1 1 1 1 3 2 2 1 2 3 2 3 5 4 5 3 2 500,000 – 950,000 2 3 3 3 3 3 3 3 2 3 3 3 2 3 3 3 3 1,500,000-1,950,000 1 1 3 3 1 2 1 1 1 1 1 3 3 3 3 3 4 < 500,000 2 1 1 1 3 2 3 1 1 1 1 1 4 5 5 4 5 500,000 – 950,000 2 2 1 2 5 2 1 2 3 3 3 3 4 5 4 4 6 500,000 – 950,000 4 2 2 2 4 2 2 2 2 3 2 2 4 4 4 2 7 500,000 – 950,000 1 3 4 3 5 4 3 4 3 4 3 3 3 2 2 2 8 1,000,000-1,450,000 5 1 1 1 4 3 2 3 2 2 2 4 3 3 3 5 9 500,000 – 950,000 2 2 2 3 3 3 2 2 2 2 3 4 3 3 3 3 10 1,500,000-1,950,000 3 3 3 3 4 3 4 3 3 3 3 3 3 3 3 3 11 500,000 – 950,000 3 1 1 2 3 1 1 1 3 3 3 3 5 5 5 5 12 < 500,000 3 1 1 1 4 1 2 2 3 3 3 3 4 4 4 3 13 > 2,000,000 4 3 3 3 4 2 3 3 2 2 2 4 3 3 3 3 14 500,000 – 950,000 3 3 3 3 4 3 3 4 2 2 2 3 3 2 3 3 15 1,500,000-1,950,000 2 2 3 2 2 1 2 1 1 1 1 1 3 4 4 2 16 500,000 – 950,000 2 4 4 5 2 1 1 1 1 2 1 1 4 3 4 1 17 1,000,000-1,450,000 2 2 2 3 4 3 3 4 2 2 3 2 3 2 3 4 18 1,000,000-1,450,000 1 2 2 1 4 3 3 2 2 3 2 3 3 4 3 3 19 500,000 – 950,000 2 3 2 2 4 2 3 3 2 2 1 4 3 4 4 5

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105 20 < 500,000 3 4 3 3 5 3 3 3 2 3 2 3 5 4 5 3 21 < 500,000 2 2 2 2 4 3 3 3 2 2 2 3 2 3 3 2 22 < 500,000 2 3 3 3 4 4 4 3 3 3 2 3 3 3 3 2 23 < 500,000 2 4 4 4 5 3 2 2 2 3 3 2 4 3 4 2 24 < 500,000 1 2 1 1 5 1 2 2 2 2 2 2 3 3 4 5 25 1,000,000-1,450,000 3 4 4 3 4 3 2 2 3 3 2 2 3 3 3 3 26 < 500,000 1 4 3 4 3 2 2 2 1 1 1 1 2 1 2 2 27 500,000 – 950,000 2 2 3 3 4 3 3 4 2 2 2 3 4 4 4 3 28 500,000 – 950,000 5 1 1 1 3 2 1 2 2 3 2 2 2 4 5 3 29 < 500,000 1 2 1 1 2 2 2 1 2 1 1 2 4 4 4 4 30 < 500,000 2 2 3 3 3 3 3 3 2 3 3 3 3 3 4 3 31 < 500,000 1 2 2 2 3 2 3 3 2 3 2 1 3 4 4 1 32 500,000 – 950,000 4 1 1 1 5 2 2 3 3 3 2 1 3 5 5 4 33 1,500,000-1,950,000 1 2 2 1 2 1 1 2 2 3 2 1 4 5 5 3 34 1,000,000-1,450,000 1 2 2 3 4 3 3 1 2 3 3 1 3 3 4 3 35 < 500,000 2 2 2 3 3 2 2 2 1 2 2 2 3 2 2 4 36 1,000,000-1,450,000 2 3 3 4 4 2 2 2 2 2 2 2 2 3 3 1 37 500,000 – 950,000 1 4 3 4 4 3 2 2 2 2 3 2 4 4 4 1 38 500,000 – 950,000 2 4 3 3 1 3 3 2 2 2 3 3 3 3 3 4 39 500,000 – 950,000 1 2 2 1 2 1 2 1 1 2 1 3 4 4 4 3 40 500,000 – 950,000 1 2 2 2 1 3 2 3 3 3 3 2 4 4 4 4 41 < 500,000 2 4 3 3 2 2 2 2 2 3 2 1 4 3 4 2 42 < 500,000 1 1 2 1 5 1 1 1 1 1 1 3 5 5 5 4

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106 43 1,000,000-1,450,000 2 2 2 2 2 3 2 2 2 3 2 3 2 3 4 3 44 < 500,000 1 2 2 1 1 2 3 3 4 4 3 3 4 5 5 5 45 < 500,000 3 1 1 1 5 1 1 1 2 1 1 1 5 5 4 5 46 1,000,000-1,450,000 2 2 2 2 3 2 2 2 3 3 3 3 3 4 4 3 47 < 500,000 1 1 2 2 4 2 3 3 3 3 3 2 4 3 4 4 48 500,000 – 950,000 1 1 2 1 3 1 2 1 1 2 1 1 4 5 4 2 49 500,000 – 950,000 2 3 2 2 3 3 3 2 2 3 3 3 4 4 4 3 50 500,000 – 950,000 1 2 2 1 3 1 2 1 2 2 2 2 4 3 4 3 51 500,000 – 950,000 1 2 2 2 3 2 2 1 3 3 2 1 5 3 5 3 52 < 500,000 2 3 2 3 3 1 1 1 2 2 1 2 4 4 4 4 53 500,000 – 950,000 1 2 2 3 2 2 1 1 1 1 1 2 4 4 4 4 54 < 500,000 3 3 4 3 3 3 3 4 3 3 2 3 3 3 3 3 55 1,000,000-1,450,000 2 3 3 4 2 3 4 4 2 3 2 2 4 4 4 3 56 < 500,000 2 2 3 3 3 2 2 3 2 3 2 2 3 4 4 3 57 < 500,000 4 2 2 3 4 2 2 3 3 4 3 2 4 3 4 3 58 < 500,000 1 2 3 2 2 2 1 1 1 2 1 2 5 4 4 1 59 500,000 – 950,000 1 1 1 1 4 1 2 1 3 3 4 1 5 5 5 4 60 500,000 – 950,000 1 2 1 1 4 2 2 2 1 2 1 2 5 5 5 4 61 1,000,000-1,450,000 2 3 2 3 2 2 2 2 2 2 2 2 4 4 3 3 62 < 500,000 1 2 1 2 3 2 3 2 3 4 3 4 4 3 3 5 63 1,000,000-1,450,000 1 3 4 3 5 2 2 3 2 3 2 4 3 3 4 4 64 500,000 – 950,000 1 3 2 3 4 3 4 3 3 3 2 2 4 4 3 3 65 < 500,000 1 1 1 2 3 2 1 2 1 2 1 1 4 4 4 3

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107 66 500,000 – 950,000 1 1 2 1 1 2 1 1 1 1 1 1 4 5 4 3 67 < 500,000 1 2 2 3 4 4 3 4 1 2 1 2 4 3 3 2 68 < 500,000 2 2 2 2 4 2 2 3 2 3 2 2 4 4 4 4 69 500,000 – 950,000 4 2 2 2 1 3 4 4 1 1 1 4 3 4 3 5 70 1,500,000-1,950,000 2 3 3 4 2 4 3 4 3 3 2 3 2 2 2 5 71 500,000 – 950,000 1 1 1 2 5 3 2 3 1 2 1 1 3 4 4 3 72 500,000 – 950,000 2 2 3 3 4 2 1 1 1 2 1 1 3 3 3 3 73 1,000,000-1,450,000 2 2 4 4 4 1 2 1 2 2 2 1 4 3 4 2 74 1,000,000-1,450,000 1 3 3 3 5 3 3 2 3 2 2 2 3 4 4 2 75 < 500,000 3 3 4 4 3 3 2 2 4 3 3 2 4 3 4 4 76 < 500,000 2 5 5 4 4 1 1 2 2 2 3 1 3 3 3 1 77 < 500,000 1 3 4 3 5 3 2 2 4 3 4 3 3 2 3 3 78 < 500,000 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 79 500,000 – 950,000 2 2 2 2 2 2 2 2 2 3 2 2 4 4 4 2 80 < 500,000 3 3 3 3 3 3 3 3 3 3 3 3 2 3 3 3 81 < 500,000 2 3 3 3 3 2 3 3 3 4 4 2 4 4 3 2 82 < 500,000 1 3 2 2 3 2 2 2 3 3 2 2 3 4 3 3 83 1,000,000-1,450,000 3 3 3 3 4 3 3 3 3 2 3 2 2 2 2 4 84 500,000 – 950,000 1 2 2 2 2 1 1 1 2 1 2 2 4 3 4 3 85 1,000,000-1,450,000 2 2 2 2 4 3 3 3 2 3 2 2 4 3 4 3 86 < 500,000 2 2 2 2 3 2 3 2 3 3 2 4 4 4 3 4 87 1,000,000-1,450,000 2 2 2 2 4 2 3 2 3 2 2 4 4 4 4 4 88 500,000 – 950,000 1 2 3 3 3 1 2 2 3 3 3 2 4 4 4 3

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108 89 500,000 – 950,000 1 4 4 3 4 3 2 3 2 2 2 1 2 2 3 4 90 1,500,000-1,950,000 2 2 3 2 3 2 3 2 2 2 1 2 3 3 3 3 91 < 500,000 2 3 4 3 4 3 3 3 3 3 3 2 4 3 3 2 92 500,000 – 950,000 2 2 2 2 3 3 2 2 4 4 3 3 4 3 4 4 93 < 500,000 2 2 2 3 2 2 2 1 2 3 3 2 2 4 4 2 94 500,000 – 950,000 2 4 3 3 2 2 1 2 2 3 2 1 3 4 4 3 95 500,000 – 950,000 2 2 2 2 4 3 2 3 3 3 3 2 4 4 4 3 96 500,000 – 950,000 2 3 3 2 3 3 3 3 3 2 3 3 3 3 3 5 97 < 500,000 2 2 2 2 3 2 2 3 2 2 2 3 3 3 4 3 98 < 500,000 2 4 4 4 3 3 2 3 2 3 2 3 2 3 2 3 99 500,000 – 950,000 3 3 3 3 3 3 3 2 2 3 2 2 3 3 3 3 100 1,000,000-1,450,000 2 4 2 2 4 2 3 3 2 3 3 2 5 3 5 3 101 500,000 – 950,000 2 2 3 2 3 2 2 2 4 4 4 2 3 3 4 3 102 < 500,000 1 4 2 2 4 3 3 4 3 4 3 2 2 3 2 4 103 < 500,000 2 4 3 3 4 3 3 3 3 3 3 1 4 4 4 2 104 < 500,000 2 3 2 3 5 4 3 3 2 3 2 3 4 4 4 3 105 500,000 – 950,000 2 3 2 3 5 4 4 4 3 3 3 2 4 3 4 2 106 500,000 – 950,000 3 2 1 2 2 2 1 1 2 2 2 2 5 4 4 3 107 > 2,000,000 2 3 3 2 4 4 4 4 3 3 3 3 3 3 3 2 108 1,000,000-1,450,000 1 3 2 3 4 3 3 4 2 3 2 3 4 5 4 3 109 < 500,000 1 2 1 1 2 2 2 1 1 2 1 3 4 3 4 2 110 1,000,000-1,450,000 2 2 2 3 4 4 3 3 3 3 2 4 2 3 2 4 111 500,000 – 950,000 1 1 1 1 2 2 2 2 5 5 5 1 4 3 3 4

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109 112 500,000 – 950,000 2 2 3 3 4 3 2 2 2 3 2 3 3 3 4 3 113 1,000,000-1,450,000 1 1 2 1 4 1 2 2 3 3 3 2 4 3 4 3 114 500,000 – 950,000 2 3 3 3 4 3 3 2 3 3 4 3 2 3 2 3 115 500,000 – 950,000 3 4 3 3 4 2 2 3 3 3 3 4 3 3 4 3 116 1,000,000-1,450,000 1 2 2 1 3 2 2 2 1 2 2 2 4 4 5 4 117 500,000 – 950,000 3 3 3 4 4 2 3 2 1 2 1 2 3 2 2 4 118 < 500,000 2 3 3 3 4 3 4 3 4 3 3 3 3 3 3 3 119 < 500,000 1 2 2 2 2 2 2 2 2 3 3 2 5 4 4 3 120 < 500,000 2 3 4 4 4 3 3 3 3 2 3 4 4 4 2 2 121 500,000 – 950,000 2 3 2 3 5 3 4 4 4 3 4 2 4 3 3 3 122 500,000 – 950,000 1 1 2 1 3 2 2 2 2 3 3 3 4 3 4 3 123 1,000,000-1,450,000 2 4 4 4 4 2 3 2 2 3 2 2 3 2 2 4 124 500,000 – 950,000 4 2 1 2 3 2 1 2 1 2 2 1 3 4 4 2 125 1,000,000-1,450,000 1 1 1 2 3 2 2 3 2 3 2 2 4 4 4 3 126 1,000,000-1,450,000 2 3 2 3 5 3 3 3 3 3 3 3 4 3 4 3 127 < 500,000 4 2 2 2 4 3 3 2 3 4 3 2 3 3 4 4 128 500,000 – 950,000 1 1 3 3 3 3 3 3 3 3 3 1 3 3 3 3 129 1,000,000-1,450,000 4 2 2 2 3 1 2 2 4 4 4 2 3 3 4 5 130 500,000 – 950,000 3 2 1 2 4 2 2 3 3 3 2 2 5 4 4 3 131 < 500,000 1 2 2 2 3 3 2 2 2 2 2 2 3 3 3 4 132 < 500,000 1 2 2 1 3 2 2 2 2 3 2 3 3 4 3 2 133 < 500,000 4 1 1 1 2 2 3 3 2 3 2 3 4 5 4 3 134 500,000 – 950,000 1 3 2 3 1 3 3 3 1 1 1 2 4 4 4 3

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110 135 < 500,000 3 1 1 1 3 2 2 2 3 4 3 1 3 4 4 2 136 500,000 – 950,000 2 4 3 3 4 2 2 3 2 2 3 4 3 3 4 3 137 < 500,000 5 2 1 2 4 3 2 3 2 2 2 2 3 4 4 3 138 500,000 – 950,000 1 1 1 1 4 3 2 2 1 2 1 4 4 4 3 4 139 1,000,000-1,450,000 5 1 2 3 3 2 3 2 3 3 3 2 3 3 4 5 140 500,000 – 950,000 1 5 4 4 4 4 4 4 3 3 3 1 5 5 5 2 141 < 500,000 2 3 4 3 2 2 1 2 3 3 4 1 4 4 3 4 142 < 500,000 2 3 3 2 3 2 2 2 2 2 2 2 4 4 4 4 143 < 500,000 1 1 1 2 5 3 3 3 2 3 3 3 4 4 4 3 144 1,000,000-1,450,000 2 2 3 3 3 1 2 1 1 1 1 3 3 4 4 5 145 < 500,000 1 1 2 2 3 2 2 1 2 2 2 2 4 4 4 4 146 500,000 – 950,000 1 2 2 2 4 2 3 2 2 3 2 2 4 3 3 3 147 1,000,000-1,450,000 1 2 2 2 5 2 2 2 2 2 2 3 4 4 3 2 148 1,500,000-1,950,000 2 2 2 3 4 3 4 3 3 3 2 3 2 2 3 2 149 500,000 – 950,000 2 3 3 3 3 2 3 3 3 3 3 3 3 3 3 4 150 < 500,000 2 2 3 2 3 2 2 2 2 3 2 1 4 4 5 3 151 500,000 – 950,000 1 2 3 2 4 3 4 3 3 4 3 2 2 1 1 4 152 500,000 – 950,000 2 2 1 1 3 3 3 3 2 3 3 3 3 3 4 3 153 500,000 – 950,000 3 4 4 4 4 3 3 3 2 2 2 3 1 2 2 3 154 < 500,000 1 1 1 1 3 2 2 1 1 2 1 2 4 5 4 4 155 < 500,000 4 2 2 2 2 2 2 2 2 3 2 2 4 4 4 4 156 < 500,000 2 2 3 2 3 3 2 3 3 4 3 4 4 4 4 4 157 < 500,000 4 1 2 1 3 2 2 2 1 2 2 2 3 4 3 4

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111 158 < 500,000 2 2 2 2 3 1 2 2 1 1 1 1 5 4 4 4 159 < 500,000 2 2 3 3 3 2 2 2 3 2 3 3 3 3 4 4 160 < 500,000 1 3 3 4 3 3 3 3 1 2 1 3 3 3 3 3 161 < 500,000 5 3 3 3 5 3 3 3 1 1 1 3 3 3 2 3 162 1,000,000-1,450,000 1 2 3 3 5 2 3 2 2 3 3 1 4 4 4 3 163 < 500,000 2 3 3 3 4 2 3 2 2 2 3 2 3 3 4 3 164 500,000 – 950,000 2 2 2 3 2 3 2 2 2 3 2 3 3 4 4 2 165 1,500,000-1,950,000 1 3 2 3 5 3 3 3 2 3 2 3 4 3 3 3 166 1,000,000-1,450,000 1 2 1 1 4 1 1 1 2 3 3 2 5 5 5 3 167 500,000 – 950,000 4 2 2 2 2 2 2 2 4 4 4 2 4 4 4 2 168 < 500,000 4 2 2 3 4 2 2 1 2 3 2 2 4 4 5 3 169 500,000 – 950,000 4 3 3 4 3 2 2 3 3 3 2 3 3 3 3 2 170 500,000 – 950,000 5 3 4 3 3 3 2 2 4 4 4 3 4 3 4 2 171 1,000,000-1,450,000 2 3 4 3 4 3 3 3 1 2 1 4 4 3 3 3 172 1,000,000-1,450,000 2 2 2 2 4 2 2 2 1 2 2 2 4 4 4 2 173 1,000,000-1,450,000 1 2 2 2 3 1 1 1 3 3 3 1 2 1 2 3 174 500,000 – 950,000 2 4 4 3 4 2 3 2 1 2 2 2 5 4 4 3 175 1,000,000-1,450,000 1 4 2 4 2 2 1 1 2 3 3 1 3 3 2 5 176 1,000,000-1,450,000 2 3 3 3 3 3 3 3 2 3 2 3 3 4 3 3 177 1,500,000-1,950,000 1 3 2 2 3 2 1 2 2 2 2 2 4 4 4 4 178 500,000 – 950,000 2 3 3 3 2 2 2 2 2 3 2 2 3 3 3 3 179 < 500,000 4 4 4 5 5 3 1 1 1 1 1 1 1 2 1 3 180 500,000 – 950,000 4 2 2 3 4 3 2 2 3 3 2 4 3 4 4 2

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112 181 500,000 – 950,000 1 2 4 3 5 3 2 3 1 2 1 3 4 4 5 4 182 < 500,000 2 3 3 3 3 2 3 3 3 3 3 3 3 3 4 3 183 1,000,000-1,450,000 3 3 4 4 3 2 2 2 1 2 1 2 4 4 3 3 184 500,000 – 950,000 1 2 3 3 4 2 2 3 2 3 2 3 4 3 3 2 185 500,000 – 950,000 4 2 2 2 2 2 2 2 4 3 4 3 3 4 3 2 186 1,000,000-1,450,000 1 3 2 2 3 3 3 2 3 4 3 2 3 3 4 3 187 500,000 – 950,000 1 2 3 2 2 2 2 2 1 2 2 2 4 4 4 4 188 500,000 – 950,000 2 4 3 4 3 2 1 2 1 1 2 3 3 3 4 3 189 500,000 – 950,000 2 3 4 4 4 2 2 2 3 3 3 2 4 4 3 3 190 > 2,000,000 3 3 3 4 5 3 4 4 2 3 3 3 3 3 3 3 191 < 500,000 1 1 1 1 3 1 1 2 1 1 1 2 4 5 4 4 192 < 500,000 1 2 2 2 4 2 2 3 3 3 2 1 5 5 4 3 193 < 500,000 1 4 3 3 3 1 1 2 1 2 2 2 5 5 5 5 194 500,000 – 950,000 1 3 2 3 3 2 2 2 2 3 2 1 2 3 3 3 195 500,000 – 950,000 1 2 2 1 3 3 3 2 2 3 2 3 3 3 4 3 196 1,000,000-1,450,000 1 1 1 2 3 2 2 3 3 2 2 2 4 5 4 4 197 1,000,000-1,450,000 1 3 3 3 1 1 1 1 1 1 1 3 4 3 3 5 198 < 500,000 1 1 1 2 3 2 3 3 3 3 3 1 4 3 4 5 199 1,500,000-1,950,000 1 1 1 1 1 2 3 3 3 3 3 3 4 5 4 3 200 500,000 – 950,000 1 2 2 2 4 1 1 2 1 2 1 1 4 4 5 4

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67 APPENDIX 23 QUESTIONNAIRE

Isilah pertanyaan-pertanyaan demografis di bawah ini dan lingkari pilihan anda!

1. NIM : ... 2. Usia : ... 3. Jenis Kelamin : L / P

4. Daerah Asal : ... 5. Uang Saku (per bulan) :

a. < 500.000

b. 500.000– 950.000 c. 1.000.000 – 1.450.000 d. 1.500.000 – 1.950.000 e. > 2.000.000

6. Apakah anda menyisihkan uang untuk ditabung? Ya / Tidak

7. Jika uang saku habis sebelum waktunya, anda meminta lagi pada orang tua: Ya / Tidak

8. Jika tidak, bagaimana anda mengatasi kekurangan uang tersebut?

... 9. Sebutkan tiga pengeluaran terbesar anda!

... ...

Bacalah setiap pertanyaan dengan teliti dan berikan tanda () pada kotak yang sesuai dengan jawaban anda!

No. Pertanyaan STS (Sangat Tidak Setuju) TS (Tidak Setuju) N (Netral) S (Setuju) SS (Sangat Setuju) 1.

Saya tahu benar jumlah uang yang saya keluarkan setiap hari. 2.

Bagi saya meminjam uang merupakan cara termudah untuk

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68 mendapatkan uang

ketika

membutuhkannya.

3.

Saya sering memiliki keinginan yang sangat kuat untuk membeli sesuatu yang muncul secara spontan.

4. Saya akan berpikir panjang sebelum memutuskan untuk meminjam uang.

5. Saya mampu mengatur uang saku saya sehingga jarang mengalami kekurangan.

6. Saya dapat dengan mudah menahan diri untuk tidak belanja. 7. Saya sering membeli

produk yang sebenarnya tidak saya butuhkan. 8.

Jika memiliki uang lebih saya biasanya menyisihkannya untuk ditabung.

9.

Saya menggunakan produk yang ngetrend

agar diterima teman-teman.

10.

Saya menggunakan produk yang berkualitas agar diterima teman-teman.

11.

Bagi saya belanja merupakan sebuah cara

menghadapi stres. 12. Saya tidak mudah

mengeluarkan uang. 13.

Saya sering ikut membeli produk yang dibeli teman-teman saya.

14. Saya berusaha sedapat mungkin jangan sampai

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69 meminjam uang.

15.

Saya suka menggunakan produk yang juga disukai oleh teman-teman saya.

16.

Saya tidak terbiasa meminjam uang ketika kekurangan uang.