Appendix 1 -Sample of Questionnaire Kepada Yth.
Bapak/Ibu/ Saudara/i
Kuesioner ini diedarkan untuk membantu penulis dalam rangka pelaksanaan riset untuk
penyusunan thesis jenjang Strata -1. Mohon berikan tanggapan anda, sesuai dengan keadaan
yang berlaku pada saat survey ini diadakan. Hasil dari kuesioner ini akan bersifat anonymous,
rahasia dan hanya akan digunakan untuk kepentingan penyusunan thesis dimaksud. Terima
kasih atas partisipasi anda.
(Paramita Mentari Kesuma Putri, BiNus International, Accounting 2003)
Mohon isi / pilih jawaban yang sesuai.1. Dalam 3 (tiga) tahun terakhir, pernahkah anda membaca laporan keuangan bank yang anda pilih (neraca, lapran laba rugi bank, dsb) ?
a. Ya b. Tidak
2. Dari mana anda dapat memperoleh atau membaca laporan keuangan? (dapat memilih lebih dari satu)
a. Koran
b. Tabloid / Majalah Finansial
c. Web site Bank yang bersangkutan atau web site bank Indonesia atau sumber lain di Internet
d. Web site Bank Indonesia e. Bursa Efek Jakarta f. Lainnya, sebutkan:
3. Apakah anda merasa mampu untuk membedakan bank yang berisiko dan yang tidak berisiko?
a. Ya b. Tidak
4. Apakah Anda memiliki deposito atau saldo tabungan sebesar Rp 100 Juta atau lebih yang anda tempatkan seluruhnya di (dapat memilih lebih dari satu) :
(Bila Iya silahkan isi jenis bank Anda, bila Tidak silakan melanjutkan ke pertanyaan berikutnya) a. Bank Pemerintah (Persero) di Indonesia,
nama bank (optional): b. Bank Swasta di Indonesia,
nama bank (optional): c. Bank Asing di Indonesia,
nama bank (optional):
5. Apakah anda memiliki deposito atau tabungan yang anda tempatkan di beberapa bank di Indonesia dan total dari deposito -deposito tersebut adalah lebih dari Rp 100 Juta ?
a. Ya b. Tidak
6. Apakah anda mengetahui bahwa sejak tanggal 22 Maret 2007, Lembaga Penjamin Simpanan hanya menjamin simpanan MAKSIMUM sebesar Rp 100 Juta untuk SETIAP nasabah pada SATU bank?
7. Informasi keuangan apakah yang anda anggap penting sebagai nasabah / depositor? Isi Angka 1 bila anda anggap penting, angka 0 bila anda anggap tidak penting, atau isi dengan TP (Tidak paham)
Tingkat Suku Bunga Deposito Bank
Rasio Kecukupan Modal (Capital Adequacy Ratio) Jumlah Kredit Macet (Non- Performing Loan) Likuiditas Bank
Laba Bersih Bank (Net Income)
8. Beri tanda ü pada kolom yang sesuai. Apabila anda tidak paham dengan maksud pertanyaan, silahkan isi kolom “tidak paham”.
Sangat
Setuju Setuju Setuju Tidak
Sangat Tidak Setuju Tidak Paham A
Menurut saya semakin tinggi tingkat suku bunga deposito suatu bank, semakin tinggi tingkat risiko bank tersebut.
B
Jika saya tahu bahwa Bank yang saya pilih memiliki Rasio Kecukupan Modal (Capital Adequacy Ratio/ CAR) di bawah 8%, saya akan memindahkan uang saya ke Bank lain yang CAR- nya di atas 8%.
C
Menurut saya laporan keuangan Bank (Neraca/ Laporan laba/ Rugi merupakan informasi yang penting bagi saya dalam pemilihan bank.
D Menurut saya laporan keuangan Bank saya cukup mudah didapatkan. E
Menurut saya Bank Persero milik pemerintah memiliki risiko yang lebih rendah daripada Bank Swasta.
F
Menurut saya Bank Asing memiliki tingkat risiko lebih rendah daripada Bank Lokal (Persero/Swasta).
G
Menurut saya Bank dengan jumlah Kantor Cabang yang banyak dan skala nasional memiliki ris iko yang lebih rendah dibandingkan dengan Bank bercabang sedikit dan tidak berskala nasional (hanya ada di daerah tertentu).
H
Menurut saya Bank dengan Brand (nama bank) terkenal memiliki risiko lebih rendah daripada bank dengan Brand yang tidak terkenal.
I
Menurut saya Bank yang rajin beriklan di media massa (cetak / elektronik) memiliki risiko yang lebih rendah daripada Bank yang tidak pernah beriklan sama sekali.
J
Menurut saya Pemerintah bertanggung jawab sepenuhnya untuk mengidentifikasi bank yang tidak sehat / berisiko.
K
Menurut saya, saya juga memiliki tanggung jawab untuk mengidentifikasi bank yang tidak sehat.
Usia : 20-30 30-40 40-50 >50
Jenis Kelamin : L / P
Pendidikan Terakhir : a. S MA/SMEA/SMK b. S1, bidang:
c. S2, bidang: d. Lainnya:
Appendix 2
Results of Independent Samples t-Test for Hypothesis 1
Levene's Test for Equality of Variances
t-test for Equality of Means
95% Confidence Interval of the Difference Question No. Questions Variable Names F Sig. t df Sig. (2-tailed) Mean Difference Std. Error Difference Lower Upper Equal variances assumed 2.204 136 .029 .22 .099 .022 .412 3
Do you feel that you are able to differentiate which are the banks that have high risk and
those that are not? RISK Equal variances not
assumed 1.600 .208 2.221 54.319 .031 .22 .098 .021 .413 Equal variances assumed 2.847 136 .005 .28 .098 .085 .471 6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN
Equal variances not assumed 8.107 .005 2.939 56.536 .005 .28 .095 .089 .467 Equal variances assumed 1.048 136 .296 .22 .214 -.199 .647 8A
In my opinion, the higher interest rate that a bank has, the higher risk it possesses.
OINTRST
Equal variances not assumed .066 .798 1.036 52.633 .305 .22 .216 -.210 .659 Equal variances assumed .804 136 .423 .18 .225 -.264 .626 8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR
Equal variances not assumed .134 .715 .813 54.653 .419 .18 .222 -.265 .627 Equal variances assumed 1.658 136 .100 .36 .219 -.070 .797 8J
In my opinion, I also have the responsibility for identifying unhealthy banks/ banks with
high risks. OPERSONL Equal variances not
assumed
2.442 .120
Appendix 3
Group Statistics Results of Independent Samples t -Test for Hypothesis 1
Question No.
Questions Variable
Names DEPOSIT 1 N Mean
Std. Deviation
Std. Error Mean
Depositor with Rp 100 millions
deposit in a bank 33 .64 .489 .085
3 Do you feel that you are able to differentiate which are
the banks that have high risk and those that are not? RISK Depositor without Rp 100 millions
deposit in a bank 105 .42 .496 .048
Depositor with Rp 100 millions
deposit in a bank 33 .70 .467 .081
6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN
Depositor without Rp 100 millions
deposit in a bank 105 .42 .496 .048
Depositor with Rp 100 millions
deposit in a bank 33 2.76 1.091 .190
8A In my opinion, the higher interest rate that a bank has,
the higher risk it possesses. OINTRST Depositor without Rp 100 millions
deposit in a bank 105 2.53 1.066 .104
Depositor with Rp 100 millions
deposit in a bank 33 1.33 1.109 .193
8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR
Depositor without Rp 100 millions
deposit in a bank 105 1.15 1.133 .111
Depositor with Rp 100 millions
deposit in a bank 33 2.70 .951 .166
8J In my opinion, I also have the responsibility for
identifying unhealthy banks/ banks with high risks. OPERSONL Depositor without Rp 100 millions
Appendix 4
One-way Group Statistics of Responses for Hypothesis 2
95% Confidence Interval for Mean
Question
No. Questions
Variable
Names EDUCATION N Mean
Std.
Deviation Std. Error Lower Bound
Upper
Bound Minimum Maximum
HIGHSCHOOL/SECONDARY LEVEL 10 .70 .483 .153 .35 1.05 0 1
UNDERGRADUATE STUDENT 50 .42 .499 .071 .28 .56 0 1
GRADUATE LEVEL 65 .45 .501 .062 .32 .57 0 1
POST-GRADUATE LEVEL 11 .73 .467 .141 .41 1.04 0 1
3
Do you feel that you are able to differentiate which are the banks that have high risk and those that are not?
RISK Total 136 .47 .501 .043 .39 .56 0 1 HIGHSCHOOL/SECONDARY LEVEL 10 .50 .527 .167 .12 .88 0 1 UNDERGRADUATE STUDENT 50 .34 .479 .068 .20 .48 0 1 GRADUATE LEVEL 65 .55 .501 .062 .43 .68 0 1 POST-GRADUATE LEVEL 11 .73 .467 .141 .41 1.04 0 1 6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN Total 136 .49 .502 .043 .40 .57 0 1 HIGHSCHOOL/SECONDARY LEVEL 10 2.30 1.252 .396 1.40 3.20 0 3 UNDERGRADUATE STUDENT 50 2.60 .926 .131 2.34 2.86 0 4 GRADUATE LEVEL 65 2.69 .999 .124 2.44 2.94 0 4 POST-GRADUATE LEVEL 11 2.36 1.690 .509 1.23 3.50 0 4
8A In my opinion, the higher interest rate that a bank has, the higher risk it possesses.
OINTRST Total 136 2.59 1.072 .091 2.41 2.77 0 4 HIGHSCHOOL/SECONDARY LEVEL 10 1.20 1.317 .416 .26 2.14 0 3 UNDERGRADUATE STUDENT 50 1.02 1.116 .158 .70 1.34 0 3 GRADUATE LEVEL 65 1.32 1.077 .134 1.06 1.59 0 3 POST-GRADUATE LEVEL 11 1.18 1.250 .377 .34 2.02 0 3 8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR Total 136 1.20 1.126 .096 1.01 1.39 0 3 HIGHSCHOOL/SECONDARY LEVEL 10 2.20 1.229 .389 1.32 3.08 0 3 UNDERGRADUATE STUDENT 50 2.44 1.033 .146 2.15 2.73 0 4 GRADUATE LEVEL 65 2.46 1.105 .137 2.19 2.74 0 4 POST-GRADUATE LEVEL 11 2.27 1.489 .449 1.27 3.27 0 4 8J
In my opinion, I also have the responsibility for identifying unhealthy banks/ banks with high risks.
OPERSONL
Appendix 5
ANOVA Test Results of Responses for Hypothesis 2
Question No. Questions Variable Names Sum of Squares df
Mean Square F Sig. Between
Groups 1.861 4 .465 1.902 .114 Within
Groups 32.523 133 .245 3 Do you feel that you are able to differentiate which are the
banks that have high risk and those that are not?
RISK Total 34.384 137 Between Groups 2.008 4 .502 2.056 .090 Within Groups 32.463 133 .244 6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN Total 34.471 137 Between Groups 4.465 4 1.116 .970 .426 Within Groups 152.992 133 1.150 8A In my opinion, the higher interest rate that a bank has, the
higher risk it possesses.
OINTRST Total 157.457 137 Between Groups 2.786 4 .696 .542 .705 Within Groups 170.932 133 1.285 8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR Total 173.717 137 Between Groups .868 4 .217 .173 .952 Within Groups 166.756 133 1.254 8J In my opinion, I also have the responsibility for identifying
unhealthy banks/ banks with high risks.
OPERSONL
Appendix 6
One-way Group Statistics of Responses for Hypothesis 3
95% Confidence Interval for Mean
Question
No. Questions
Variable
Names EDUCATION N Mean
Std.
Deviation Std. Error Lower Bound Upper Bound Min imum Maximum 20-30 YEARS OLD 97 .48 .502 .051 .38 .59 0 1 31-40 YEARS OLD 15 .33 .488 .126 .06 .60 0 1 41-50 YEARS OLD 19 .47 .513 .118 .23 .72 0 1
MORE THAN 50 YEARS OLD 7 .57 .535 .202 .08 1.07 0 1
3
Do you feel that you are able to differentiate which are the banks that have high risk and those that are not?
RISK
Total 138 .47 .501 .043 .39 .56 0 1
20-30 YEARS OLD 97 .39 .491 .050 .29 .49 0 1
31-40 YEARS OLD 15 .67 .488 .126 .40 .94 0 1
41-50 YEARS OLD 19 .74 .452 .104 .52 .95 0 1
MORE THAN 50 YEARS OLD 7 .71 .488 .184 .26 1.17 0 1
6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN
Total 138 .49 .502 .043 .40 .57 0 1
20-30 YEARS OLD 97 2.56 1.030 .105 2.35 2.76 0 4
31-40 YEARS OLD 15 2.60 1.242 .321 1.91 3.29 0 4
41-50 YEARS OLD 19 2.53 1.264 .290 1.92 3.14 0 4
MORE THAN 50 YEARS OLD 7 3.14 .690 .261 2.50 3.78 2 4
8A In my opinion, the higher interest rate that a bank has, the higher risk it possesses.
OINTRST
Total 138 2.59 1.072 .091 2.41 2.77 0 4
20-30 YEARS OLD 97 1.02 1.127 .114 .79 1.25 0 3
31-40 YEARS OLD 15 1.27 .961 .248 .73 1.80 0 3
41-50 YEARS OLD 19 1.74 1.195 .274 1.16 2.31 0 3
MORE THAN 50 YEARS OLD 7 2.00 .000 .000 2.00 2.00 2 2
8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR
Total 138 1.20 1.126 .096 1.01 1.39 0 3
20-30 YEARS OLD 97 2.45 1.080 .110 2.24 2.67 0 4
31-40 YEARS OLD 15 2.60 1.298 .335 1.88 3.32 0 4
41-50 YEARS OLD 19 2.11 1.100 .252 1.57 2.64 0 3
MORE THAN 50 YEARS OLD 7 2.43 1.134 .429 1.38 3.48 0 3
8M
In my opinion, I also have the responsibility for identifying unhealthy banks/ banks with high risks.
OPERSONL
Appendix 7
ANOVA Test Results of Responses for Hypothesis 4
Question No. Questions Variable Names Sum of Squares df Mean Square F Sig. Between Groups .373 3 .124 .490 .690 Within Groups 34.011 134 .254 3 Do you feel that you are able to differentiate which are the banks that
have high risk and those that are not?
RISK Total 34.384 137 Between Groups 2.911 3 .970 4.121 .008 Within Groups 31.560 134 .236 6
Are you aware that since March 22, 2007, Lembaga Penjamin Simpanan only insures deposits with a maximum amount of Rp 100 millions in one bank for each depositor?
REGULTN Total 34.471 137 Between Groups 2.324 3 .775 .669 .572 Within Groups 155.132 134 1.158 8A In my opinion, the higher interest rate that a bank has, the higher risk it
possesses. OINTRST Total 157.457 137 Between Groups 13.141 3 4.380 3.655 .014 Within Groups 160.576 134 1.198 8B
If I know that the Capital Adequacy Ratio (CAR) that my bank has is below 8%, I would take my deposits out of that bank and place it in other bank that has CAR above 8%.
OCAR Total 173.717 137 Between Groups 2.478 3 .826 .670 .572 Within Groups 165.145 134 1.232 8J In my opinion, I also have the responsibility for identifying unhealthy
banks/ banks with high risks.
OPERSONL
Jl. Alam Elok V/24,
Pondok Indah, Jakarta Selatan INDONESIA 12310
0817 983 83 92/ 021-7693930 [email protected]
Resume
Paramita Mentari Kesuma Putri, B.Comm, SE
D.O.B. August 3, 1985 (Jakarta, Indonesia) Gender Female GPA 3.33 Working Experience
•
Feb 2007- April 2007 (contract), Deloitte Indonesia, Enterprise Risk System•
Jan 2007- now, Bank Indonesia Analyst, Research Assistant•
Sep 2006 - Jan 2007, BiNus International University, Teaching Assistant (Cost Accounting)•
Jun- Jul 2006, BII Corporate Banking Division, Assistant AO (Internship)•
2005 – 2006, Jakarta & Kep. Seribu Tourism Board, Jakarta Youth Tourism Ambassador•
2004 – 2007, Private & Motivational Tutor•
Nov 2004, “Essence”: Jakarta International Community Center, Junior Accounting Consultant (Internship)Organizational Experience
•
2006, Earth Day PADI Project A.W.A.R.E Dive•
2006, Pemilihan Abang None Jakarta 2006 Committee•
2005-2006, Treasurer, BiNus International Musician Club•
2005, Head of R&D, “D’ABC”, Accounting & Business Competition•
2005, Mentor Coordinator, Orientation Days Binusian•
2003-2005, Vice President, Student Committee of BiNus International University•
2004, Head of Event Handler, e.COM 2004•
2004, Organizer Coordinator, Orientation Days BiNusian•
2003, Liasion Officer, e.COM 2003•
2002, Vice President, Singapore International Foundation’s ASEAN Scholars Gathering (Singapore)•
2002, Social Secretary, Nanyang Girls’ Boarding School’s Junior Common Room Committee (Singapore)•
2002, Event Handler, Piano Recital Fund- Raising Event(Singapore)•
2001-2002, Singapore Girl Guides, 19th Company (Singapore)•
1998-1999, Head of Academic Division, Student Body, SLTP AIPL AcademicAchievements
•
2003, Entry Test Scholarship, Bina Nusantara International University•
2001, Full Educational Scholarship (2 Years), Singapore International Foundation & Methodist Girls’ School (Singapore).•
2000, Overall results top scorer, SLTP AI- Izhar Pondok Labu•
1999, Student Exchange Chosen Representative: Woodleigh’s St. Paul School, Melbour ne, AustraliaNon-Academic Achievements
•
2005, Best Mentor , O’Days Binusian 2009•
2005, Favourite None, Abang None Jakarta Kepulauan Seribu 2005•
2002, Second Winner, Nanyang Girls’ Boarding School 2002 Talent Show•
2001, Miss Congeniality , Nanyang Girls’ Boarding School (Singapore).•
2000, Most Talented Actress, English Drama Competition 2000•
2000, First Runner-up , Art Writing Competition 2000, Jakarta Art Board•
1998, First Winner, Synopsis Writing Competition in "The Language Month"•
1998, First Winner, Synopsis Writing Competition in the MGMP level EducationalBackground
•
2003 - 2007, Bina Nusantara International University – Curtin University (Double-Degree) ,School of Accounting, minor in Applied Technology Accounting
•
2003, Ijazah Persamaan STTB SMU, Ministry of Education of Indonesia•
2001 - 2002, Methodist Girls’ School Upper Secondary, Special Stream (Singapore).•
Jul- Oct 2000, SMU AI-Izhar Pondok Labu (Indonesia).•
1997 - 2000, SLTP AI-Izhar Pondok Labu (Indonesia).•
1991 - 1997, SD Bakti Mulya 400 (Indonesia). AdditionalCourses
ACADEMIC
