KUESIONER PENELITIAN PENGARUH ACTUAL DAN PERCEIVED FINANCIAL SOPHISTICATION TERHADAP AKUMULASI KEKAYAAN

(1)

59 1. Lampiran Kuisioner

KUESIONER PENELITIAN

PENGARUH ACTUAL DAN PERCEIVED FINANCIAL SOPHISTICATION TERHADAP AKUMULASI KEKAYAAN

Kepada responden yang terhormat,

Peneliti memohon kesediaan responden untuk mengisi kuesioner ini sesuai dengan pengetahuan dan sesuai dengan keadaan responden yang sebenarnya.

Pengisian kuesioner ini bertujuan sebagai data yang akan mendukung penelitian.

Bantuan responden sangat diharapkan demi terselesainya penelitian ini. Jawaban dan identitas responden akan dirahasiakan oleh peneliti. Atas perhatian dan kerjasamanya peneliti mengucapkan terima kasih.

I. Berilah tanda  pada kotak jawaban yang anda pilih.

1. Jenis Kelamin :  Laki – Laki  Perempuan 2. Pendidikan terakhir :  SD

 SMP  SMA  S-1  S-2

II. Berilah tanda silang (X) pada jawaban yang anda pilih.

1. Misalkan Anda memiliki uang sebesar € 100 pada rekening tabungan.

Bunga yang diberikan sebesar 2% per tahun dan Anda meninggalkan uang anda di tabungan tersebut selama 5 tahun. Bagaimana keadaan uang anda di rekening tabungan yang telah Anda tinggalkan setelah 5 tahun?

a. Lebih dari €102 b. € 102

c. Kurang dari € 102 d. Tidak tahu

2. Misalkan Anda memiliki uang sebesar €100 pada rekening tabungan dengan tingkat bunga 20% per tahun dan Anda meninggalkan uang anda di tabungan tersebut selama 5 tahun. Bagaimana keadaan uang anda di rekening tabungan yang telah Anda tinggalkan setelah 5 tahun?

a. Lebih dari €102

(2)

60 b. € 102

c. Kurang dari € 102 d. Tidak tahu

3. Dengan asumsi rekening tabungan Anda menghasilkan bunga 1% per tahun dan inflasi mencapai 2% per tahun. Apakah Anda mampu membeli lebih banyak, kurang, atau sebanyak hari ini dengan saldo rekening deposito Anda setelah satu tahun?

a. Lebih dari hari ini b. Sebanyak hari ini c. Kurang dari hari ini d. Tidak tahu

4. Misalkan pada tahun 2012 pendapatan Anda naik dua kali lipat dan harga semua barang juga naik dua kali lipat. Berapa banyak barang yang akan Anda dapatkan dengan penghasilan Anda di tahun 2012?

a. Lebih dari hari ini b. Sebanyak hari ini c. Kurang dari hari ini d. Tidak tahu

5. Manakah dari aset berikut yang menunjukkan volatilitas return tertinggi?

a. Buku Tabungan b. Obligasi

c. Saham d. Tidak tahu

6. Yang merupakan fungsi utama dari pasar saham adalah:

a. Pasar saham memprediksi pendapatan saham

b. Pasar saham menghasilkan peningkatan harga saham

c. Pasar saham mempertemukan orang-orang yang ingin membeli saham dengan orang-orang yang ingin menjual saham

d. Bukan dari salah satu di atas e. Tidak tahu.

7. Apakah pernyataan berikut benar atau salah: Investasi di saham tunggal kurang berisiko daripada investasi pada reksa dana saham?

a. Benar b. Salah c. Tidak tahu.

8. Manakah dari pernyataan berikut yang benar?

a. Jika Anda berinvestasi dalam reksadana, Anda tidak bisa menarik uang dalam tahun pertama (1 tahun) investasi Anda

b. Reksadana berinvestasi di beberapa kelas aset seperti saham dan obligasi

c. Reksadana menjamin tingkat suku bunga tetap yang berdasarkan kinerja masa lalu

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61

d. Tak satu pun dari pernyataan di atas adalah benar e. Tidak tahu.

9. Bagaimana harga obligasi tetap berpengaruh terhadap penurunan suku bunga?

a. Harga obligasi naik

b. Harga obligasi tetap konstan c. Harga obligasi menurun d. Tidak tahu.

10. Bagaimana Anda menilai pengetahuan keuangan Anda secara keseluruhan?

a. Sangat Rendah b. Rendah

c. Agak Rendah d. Netral

e. Agak Tinggi f. Tinggi

g. Sangat Tinggi

III. Isilah dengan sungguh-sungguh keadaan ekonomi Anda sekarang (satuan rupiah) pada kategori yang sudah disediakan pada kolom dibawah, jika tidak ada tidak perlu diisi.

Kategori Jumlah (Rupiah)

Pendapatan ……….

Business Equity (usaha bisnis) ……….

Tabungan ……….

Deposito ……….

Obligasi ……….

Saham ……….

Reksadana ……….

Properti (tanah atau rumah) ……….

Dana Cadangan ……….

Emas atau Perhiasan ……….

(4)

62 2. Lampiran Jawaban Kuesioner NO GEN FE AFS

1

AFS 2

AFS 3

AFS 4

AFS 5

AFS 6

AFS 7

AFS 8

AFS

9 PFS

1 Perempuan SMA c c c c d d c c b 6

2 Laki-Laki S-1 a a c b c c b e a 4

3 Laki-Laki SMP a a c b d d b b a 3

4 Perempuan SMA a b c a c a a a b 5

5 Perempuan S-1 b b c b c a a a b 6

6 Laki-Laki SMA b a c d c c b b a 4

7 Perempuan S-1 b b c b c c b b b 5

8 Perempuan SMA b a c b c a a a b 6

9 Laki-Laki S-1 d b c b d c b d a 4

10 Perempuan S-1 a c c a c d c b c 6

11 Laki-Laki SMA a b d b d c b b a 4

12 Laki-Laki S-1 c d c c a a b b a 6

13 Perempuan SMA b b a a c c b b b 6

14 Perempuan S-1 d c b a b b a e a 5

15 Laki-Laki SMP b a c b c d b b a 3

16 Perempuan S-1 d d c d d a c c d 7

17 Perempuan SMA b b a a c c b b a 5

18 Laki-Laki S-1 a a c b c a b b a 7

19 Perempuan SMA b b a b c c b b a 5

20 Laki-Laki S-1 a a c b c c b b a 4

21 Perempuan SMA b b a a a c b b a 5

22 Perempuan S-1 b d c b b b a e b 5

23 Laki-Laki SMA a a d c c c b b a 1

24 Laki-Laki S-1 a b c c c c b e a 4

25 Perempuan SMA b b c b c c a a b 5

26 Perempuan SMA a a d c d d c c d 6

28 Perempuan SMA b a c b c a a a b 6

29 Perempuan S-1 d b d b c c c e b 5

30 Laki-Laki SMA a a c d c c b b a 3

31 Perempuan SMA a a a a c c b a b 5

32 Perempuan S-1 b d a a c a a e d 5

33 Laki-Laki SMP b d c b c c b b a 2

34 Laki-Laki S-1 a a c b d c c c a 6

35 Perempuan SMA b b a a c c b a b 5

36 Perempuan SMA b b c b c c b b b 6

37 Laki-Laki S-1 a a c c c d b b a 6

(5)

63 NO GEN FE AFS

1

AFS 2

AFS 3

AFS 4

AFS 5

AFS 6

AFS 7

AFS 8

AFS

9 PFS

39 Perempuan SMA a a c b b b a a b 6

40 Laki-Laki S-1 a a c b a c b b a 5

41 Perempuan S-1 d b d a b b c b a 5

42 Laki-Laki S-1 b d b c d d b b a 6

43 Perempuan SMA a a c b c c a a b 7

44 Perempuan S-1 b c c b c c b e c 5

45 Laki-Laki SMP d a d b c c b b a 3

46 Perempuan SMA b b d b c c c c b 6

48 Laki-Laki SMA a a c a c c b b a 3

49 Perempuan S-1 a a c d b b b e a 5

50 Laki-Laki S-1 a b c b d d b b a 4

51 Perempuan SMA b a c b c c b a c 6

52 Perempuan S-1 a d b c c b c e a 6

53 Laki-Laki SMP a a d c c c b b a 4

54 Laki-Laki SMA a a c b c c b b a 4

55 Perempuan S-1 b a c c a a c c b 6

56 Laki-Laki SMA a a c b c d b b a 3

57 Laki-Laki S-1 a a d c b c b b b 4

58 Perempuan SMA a a c b c c a a c 5

59 Laki-Laki S-1 b b c b d c b b a 4

60 Laki-Laki SMA a a c b c b b b a 3

61 Perempuan S-1 b d c a c c d b a 6

62 Laki-Laki S-1 a a a d d a c b a 6

63 Perempuan SMA a a d c b b d e b 5

64 Laki-Laki S-1 a a c b c c b c a 6

65 Perempuan S-1 b d b b c c b e a 5

66 Laki-Laki S-1 a c c b c c b b a 6

67 Perempuan SMA a a c b c a c c b 5

68 Perempuan S-1 d a c d c c d b b 5

69 Laki-Laki S-1 a a c a b b a b c 5

70 Perempuan SMA b a c b c d c c b 6

71 Laki-Laki SMA d b d b c c b b a 4

72 Perempuan S-1 d d c b c d c e b 5

73 Perempuan SMA b a c b b b a a c 5

74 Laki-Laki SMA a a c b c d b e a 4

75 Laki-Laki S-1 b a d b c c b e a 4

(6)

1

AFS 2

AFS 3

AFS 4

AFS 5

AFS 6

AFS 7

AFS 8

AFS

9 PFS

76 Perempuan SMA b b c b b b a a c 5

77 Laki-Laki SMP a b c b c c b e a 2

78 Perempuan S-1 c b c b c c b e b 6

79 Perempuan SMA b b c b c c b a b 7

80 Laki-Laki S-1 a a c b c c b e a 4

81 Laki-Laki S-1 a a c d c c b b a 6

82 Perempuan SMA a b a c a a a a a 5

83 Laki-Laki SMA a a d c c c b b a 2

84 Perempuan S-1 d b c b c c b a d 5

86 Perempuan SMA b a d b d c a a b 6

87 Laki-Laki S-1 c a c b c a b b c 5

88 Perempuan S-1 d d b a c c b b b 5

89 Perempuan SMA b a c b c c c c b 6

90 Perempuan S-1 a a c b d c d e b 5

91 Laki-Laki SMA a a c b c c b e a 3

92 Perempuan S-1 a a c b c c d d b 7

94 Laki-Laki S-1 b b c b c c b e a 4

95 Perempuan SMA b c a a b c a a c 5

96 Laki-Laki S-1 a a c d d c b e a 4

97 Perempuan S-1 b b c b c c b e b 6

98 Laki-Laki SMP a a d c c c b b a 4

99 Perempuan S-1 b b c b c c b e b 5

100 Laki-Laki SMA b a c b c c b b a 3

101 Perempuan S-1 a b c a c b b a b 5

102 Laki-Laki SMA a a d b c c b b a 4

103 Perempuan S-1 b b c a c c d b a 6

104 Laki-Laki SMA a a c b a c b b a 3

105 Perempuan S-1 a a c b c c a a b 5

106 Laki-Laki S-1 b c d d c c b b c 6

107 Perempuan SMA a a c b c c a a b 5

108 Laki-Laki S-1 a a c b c a b b a 6

109 Laki-Laki S-1 a a c b c d b b a 4

110 Perempuan SMA b a c b b b a c b 6

111 Laki-Laki S-1 a c c b c c b b a 5

112 Perempuan S-1 c d b a b d a c a 5

113 Laki-Laki SMA a b c b c c b b a 3

(7)

1

AFS 2

AFS 3

AFS 4

AFS 5

AFS 6

AFS 7

AFS 8

AFS

9 PFS

114 Laki-Laki S-1 b d c a c c b b a 4

115 Perempuan S-1 d d b b c c c e b 6

117 Perempuan S-1 a a c b d d c e b 6

118 Laki-Laki S-1 a a d d d c a b d 6

119 Perempuan SMA b a c b c c b a c 5

120 Laki-Laki S-1 a a c b c d b b a 5

121 Laki-Laki S-1 b b c b c c b e a 4

122 Perempuan SMA a b c a c a b a a 6

123 Laki-Laki S-1 a d d d d c b b a 5

124 Laki-Laki SMA a a b b c c b b a 3

125 Laki-Laki S-1 d c d a c c b c a 5

126 Perempuan S-1 a a c d d d c e b 5

127 Laki-Laki SMA a a a b c c b b a 4

129 Perempuan S-1 b a c a d d a a c 6

130 Laki-Laki SMA a a c b c b b b a 4

131 Laki-Laki SMA a a c a c c b b a 3

132 Laki-Laki SMA d a c b c c b b a 3

133 Laki-Laki S-1 b b c a c c b b a 4

134 Perempuan SMA b b c b c c b b a 6

136 Perempuan S-1 b b d c c c c e c 5

137 Laki-Laki SMA a a c b d c b b a 3

(8)

66

2. Lampiran Jawaban Kuesioner (Sambungan)

NO INC USAHA

BISNIS TABUNGAN DEPOSITO OBLIGASI

1 5,000,000 18,500,000 25,000,000 15,500,000 -

2 4,500,000 24,000,000 35,000,000 12,500,000 75,000,000

3 2,500,000 30,000,000 15,000,000 - -

4 10,000,000 - 125,500,000 74,500,000 -

5 5,000,000 54,000,000 17,750,000 57,000,000 -

6 2,500,000 - 11,250,000 - -

7 15,000,000 - 99,250,000 - -

8 10,000,000 65,500,000 347,250,000 - 55,000,000

9 4,500,000 37,500,000 32,500,000 34,500,000 -

10 6,000,000 23,000,000 30,000,000 - -

11 7,500,000 - 49,500,000 - -

12 4,500,000 - 29,500,000 - 34,500,000

13 10,000,000 25,900,000 236,000,000 73,500,000 - 14 9,750,000 30,300,000 120,800,000 125,500,000 -

15 2,500,000 18,000,000 32,000,000 - -

16 6,100,000 - 23,200,000 20,000,000 -

17 15,000,000 96,000,000 100,000,000 - -

18 8,750,000 21,500,000 201,000,000 - -

19 15,000,000 500,000,000 138,500,000 - -

20 4,500,000 24,500,000 29,500,000 - -

21 10,000,000 45,000,000 430,000,000 - -

22 9,750,000 - 245,000,000 75,000,000 -

23 2,500,000 25,000,000 85,000,000 - -

24 7,500,000 250,000,000 15,000,000 12,500,000 -

25 10,000,000 - 50,000,000 55,000,000 -

26 5,500,000 - 86,000,000 10,000,000 -

27 5,400,000 50,500,000 12,500,000 - -

28 11,000,000 45,000,000 1,000,000,000 - -

29 9,750,000 30,000,000 250,000,000 90,000,000 -

30 8,000,000 - 42,000,000 - -

31 9,750,000 - 25,000,000 - -

32 9,750,000 250,000,000 225,000,000 - -

33 2,500,000 - 110,000,000 - -

34 4,500,000 50,000,000 50,000,000 - -

35 10,000,000 100,000,000 400,000,000 - -

36 15,000,000 1,000,000,000 500,000,000 - -

37 8,750,000 - 60,000,000 - 15,000,000

(9)

67

38 4,500,000 27,000,000 5,000,000 - -

39 10,500,000 150,000,000 50,000,000 - -

40 8,750,000 - 125,000,000 - -

41 9,750,000 500,000,000 50,000,000 - -

42 4,500,000 40,000,000 25,000,000 - -

43 15,000,000 200,000,000 50,000,000 - -

44 9,750,000 450,000,000 450,000,000 75,000,000 -

45 2,500,000 80,000,000 20,000,000 - -

46 5,750,000 - 82,500,000 - -

47 5,400,000 - 27,500,000 - -

48 8,000,000 80,500,000 12,000,000 - 150,000,000

49 12,500,000 - 250,000,000 - -

50 7,500,000 - 44,500,000 30,500,000 -

51 15,000,000 - 500,000,000 58,000,000 -

52 7,500,000 100,000,000 35,000,000 - -

53 2,500,000 25,000,000 41,000,000 37,500,000 -

54 5,400,000 - 108,000,000 - -

55 7,500,000 33,750,000 300,000,000 - -

56 8,000,000 125,000,000 25,000,000 -

57 4,500,000 - 25,000,000 - 200,000,000

58 15,000,000 - 45,000,000 -

59 7,500,000 - 50,000,000 37,500,000 -

60 8,000,000 60,000,000 50,000,000 - -

61 12,500,000 125,000,000 25,000,000 75,000,000 -

62 4,500,000 85,000,000 70,000,000 25,000,000 -

63 5,000,000 16,500,000 50,250,000 - -

64 8,750,000 - 78,000,000 - 87,500,000

65 12,500,000 1,200,000,000 45,500,000 - -

66 8,750,000 - 99,000,000 11,000,000 -

67 9,750,000 450,000,000 217,000,000 - -

68 12,500,000 - 89,500,000 5,500,000 -

69 4,500,000 77,500,000 12,000,000 9,500,000 -

70 6,250,000 - 37,500,000 - -

71 5,400,000 1,500,000 118,500,000 4,500,000 -

72 7,500,000 322,850,000 41,000,000 3,350,000 -

73 9,750,000 394,400,000 46,200,000 - -

74 7,500,000 - 40,000,000 - -

75 7,500,000 225,000,000 75,000,000 - 25,000,000

(10)

68

76 5,500,000 192,800,000 14,200,000 - -

77 2,500,000 - 45,000,000 25,000,000 -

78 9,750,000 485,000,000 50,000,000 50,000,000 -

79 9,750,000 - 100,000,000 325,000,000 -

80 4,500,000 89,000,000 35,500,000 - 65,000,000

81 8,750,000 22,500,000 177,500,000 - -

82 9,750,000 - 34,900,000 22,100,000 -

83 2,500,000 65,000,000 53,400,000 - -

84 12,500,000 - 139,600,000 - -

85 5,400,000 24,300,000 21,870,000 - -

86 5,000,000 20,250,000 182,250,000 - -

87 4,500,000 - 20,000,000 - -

88 7,500,000 - 75,000,000 25,000,000 -

89 9,750,000 - 122,500,000 - -

90 12,500,000 475,000,000 350,250,000 - -

91 4,500,000 - 15,000,000 - 210,000,000

92 15,000,000 225,000,000 25,000,000 - -

93 4,500,000 - 243,000,000 - -

94 7,500,000 - 37,500,000 - -

95 9,750,000 - 125,000,000 75,000,000 -

96 8,000,000 325,000,000 75,000,000 - -

97 12,500,000 - 49,250,000 39,890,000 -

98 2,500,000 - 37,500,000 - -

99 12,500,000 - 215,000,000 - 1,035,000,000

100 4,500,000 25,000,000 72,400,000 - -

101 7,500,000 - 273,375,000 - -

102 8,000,000 - 400,000,000 - -

103 12,500,000 136,100,000 1,025,000,000 88,900,000 -

104 8,000,000 - 25,000,000 - -

105 7,500,000 - 45,100,000 28,480,000 -

106 4,500,000 168,300,000 15,500,000 18,700,000 -

107 15,000,000 - 50,000,000 - -

108 8,750,000 - 690,525,000 - 85,250,000

109 4,500,000 15,500,000 20,900,000 - -

110 9,800,000 71,442,000 79,380,000 - -

111 8,750,000 - 267,300,000 - 29,700,000

112 6,000,000 - 3,000,000 2,000,000 -

113 4,500,000 97,500,000 127,500,000 - -

(11)

69

114 7,500,000 27,500,000 19,500,000 - -

115 10,000,000 - 965,000,000 35,000,000 -

116 5,400,000 - 27,700,000 - -

117 12,500,000 - 1,150,000,000 100,000,000 -

118 4,500,000 82,500,000 15,000,000 5,000,000 -

119 15,000,000 1,055,000,000 44,500,000 40,500,000 -

120 8,750,000 - 15,000,000 - 185,000,000

121 7,500,000 37,500,000 47,500,000 - -

122 9,750,000 - 97,500,000 25,500,000 -

123 4,500,000 - 75,000,000 - -

124 4,500,000 55,750,000 60,250,000 - -

125 4,500,000 - 65,500,000 - -

126 10,000,000 - 100,000,000 - -

127 8,000,000 40,000,000 67,000,000 - 33,500,000

128 5,400,000 - 213,300,000 - -

129 7,500,000 - 258,750,000 37,500,000 -

130 8,000,000 - 10,000,000 - -

131 4,500,000 60,500,000 144,500,000 - -

132 8,000,000 - 10,000,000 7,500,000 20,000,000

133 7,500,000 88,900,000 41,100,000 - -

134 15,000,000 - 125,000,000 - -

135 5,400,000 - 37,500,000 - -

136 10,000,000 795,000,000 76,725,000 - -

137 4,500,000 - 225,000,000 - -

(12)

70

2. Lampiran Jawaban Kuesioner (Sambungan) NO SAHAM REKSADANA TANAH

/RUMAH

DANA CADANGAN

EMAS/

PERHIASAN 1 - 20,500,000 150,000,000 8,000,000 12,500,000

2 50,000,000 18,500,000 - 10,000,000 -

3 - - 75,000,000 5,000,000 -

4 - - 750,000,000 - 50,000,000

5 - 15,750,000 80,000,000 14,000,000 11,500,000

6 - - 100,000,000 13,750,000 -

7

- 75,000,000

1,300,000,00

0 - 25,750,000

8 - - 435,500,000 53,250,000 43,500,000

9 - - 120,500,000 - -

10 - 37,500,000 195,000,000 1,500,000 13,000,000

11 70,000,000 - 250,000,000 5,500,000 -

12 - 56,500,000 100,000,000 4,500,000 -

13 - 37,900,000 540,500,000 9,700,000 76,500,000

14 - - 678,000,000 5,400,000 15,000,000

15 - - 75,000,000 - -

16 - - 220,000,000 6,800,000 35,000,000

17

- -

1,250,000,00

0 - 54,000,000

18 88,000,000 - 555,000,000 9,500,000 -

19 - - 775,000,000 11,500,000 75,000,000

20 - - 150,000,000 21,000,000 -

21 - - 500,000,000 - 25,000,000

22 - - 550,000,000 40,000,000 65,000,000

23 - 5,000,000 - 5,000,000 5,000,000

24 - - 85,000,000 12,500,000 -

25 - - 895,000,000 - -

26 - - 150,000,000 2,000,000 27,000,000

27 - 7,000,000 200,000,000 - -

28 - - - - 55,000,000

29 - - 600,000,000 5,000,000 -

30 - - 350,000,000 8,000,000 -

31 - - 875,000,000 - 75,000,000

32 - - 500,000,000 - -

33 - 15,000,000 - - -

34 - - 125,000,000 - -

(13)

71

NO SAHAM REKSADANA TANAH /RUMAH

EMAS/

PERHIASAN

35 - - 450,000,000 50,000,000 -

36 - - - - -

37 300,000,000 - 500,000,000 - -

38 - - 230,000,000 8,000,000 -

39 - - 850,000,000 - -

40 500,000,000 - 250,000,000 - -

41 - - 380,000,000 - 45,000,000

42 - - 145,000,000 15,000,000 -

43

- -

1,250,000,00

0 - -

44 - - - - -

45 - - - 15,000,000 10,000,000

46 - - 200,000,000 - 5,000,000

47 - 45,000,000 197,500,000 - -

48 150,000,000 - - 7,500,000 -

49 1,000,000,000 - - - -

50 - - 300,000,000 - -

51 - - 880,000,000 - 62,000,000

52 - - 227,000,000 13,000,000 -

53 - 15,000,000 - 6,500,000 -

54 - - 150,000,000 12,000,000 -

55 - - - 3,750,000 37,500,000

56 250,000,000 - - - -

57 - - - - -

58

- -

1,050,000,00

0 405,000,000 -

59 - 37,500,000 250,000,000 - -

60 - 40,000,000 250,000,000 - -

61

- -

1,000,000,00

0 - 25,000,000

62 - 45,000,000 - - -

63 - - 150,750,000 7,500,000 25,000,000

64 - - 709,500,000 - -

65 - - - 4,500,000 -

66 575,000,000 - 125,000,000 65,000,000 -

67 - 15,500,000 225,000,000 54,000,000 13,500,000

(14)

72

EMAS/

PERHIASAN 68

- -

1,150,000,00

0 - 5,000,000

69 - 2,500,000 115,000,000 8,500,000 -

70 - - 237,500,000 25,000,000 12,500,000

71 - - 135,000,000 10,500,000 -

72 - 2,500,000 - - 5,300,000

73 - - 420,000,000 50,800,000 63,600,000

74 - 335,000,000 - - -

75 - - - 50,000,000 -

76 - - - - 68,000,000

77 - - - 55,000,000 -

78 - - 325,000,000 - 65,000,000

79 - 550,000,000 - - -

80 - 10,500,000 - 25,000,000 -

81 675,000,000 - - - -

82 - - 900,000,000 18,000,000 -

83 - - - 6,600,000 -

84

- -

1,105,000,00

0 - 5,400,000

85 - 27,000,000 196,830,000 - -

86 - - - 22,500,000 25,000,000

87 - 25,000,000 180,000,000 - -

88 - - 275,000,000 - -

89 - - 800,000,000 - 52,500,000

90 - 77,500,000 277,500,000 - 69,750,000

91 - - - - -

92

- -

1,250,000,00

0 - -

93 - - - 27,000,000 -

94 - - 337,500,000 - -

95 - - 645,000,000 55,000,000 75,000,000

96 - - - - -

97 757,500,000 44,320,000 359,040,000 - -

98 - - 75,000,000 12,500,000 -

99 - - - - -

100 - 120,000,000 7,600,000 -

101 - 30,375,000 - 33,750,000 37,500,000

(15)

73

EMAS/

PERHIASAN

102 - - - - -

103 - - - - -

104 - - 335,000,000 40,000,000 -

105 - - 256,320,000 27,550,000 17,550,000

106 - 22,500,000 - - -

107 1,450,000,000 - - - -

108 - - - 22,500,000 76,725,000

109 - - 188,600,000 - -

110 - - 644,978,000 86,200,000 98,000,000

111 578,000,000 - - - -

112 - - 290,000,000 - 5,000,000

113 - - - - -

114 - 293,250,000 - 34,750,000 -

115 - - - - -

116 - - 242,300,000 - -

117 - - - - -

118 - 7,500,000 95,500,000 15,000,000 4,500,000

119 - - 291,600,000 32,400,000 36,000,000

120 675,000,000 - - - -

121 - - 261,000,000 29,000,000 -

122 - - 843,480,000 - 8,520,000

123 - 25,700,000 124,300,000 - -

124 - - 109,000,000 - -

125 - 94,000,000 - 65,500,000 -

126 - - 900,000,000 - -

127 - 125,000,000 - 134,500,000 -

128 - - - 56,700,000 -

129 - - - 45,000,000 33,750,000

130 - 240,500,000 144,500,000 - 5,000,000

131 - - - 20,000,000 -

132 - 362,500,000 - -

133 - 45,000,000 200,000,000 - -

134

-

1,375,000,00

0 - -

135 232,500,000 - - - -

136 - - - 84,500,000 43,775,000

137 - - - - -

(16)

74

3. Lampiran Transformasi Variabel Income dan Akumulasi Kekayaan

NO INC AKUMULASI

KEKAYAAN Ln_INC Ln_AK

1 5,000,000 250,000,000 15.42 19.34 2 4,500,000 225,000,000 15.32 19.23 3 2,500,000 125,000,000 14.73 18.64 4 10,000,000 1,000,000,000 16.12 20.72 5 5,000,000 250,000,000 15.42 19.34 6 2,500,000 125,000,000 14.73 18.64 7 15,000,000 1,500,000,000 16.52 21.13 8 10,000,000 1,000,000,000 16.12 20.72 9 4,500,000 225,000,000 15.32 19.23 10 6,000,000 300,000,000 15.61 19.52 11 7,500,000 375,000,000 15.83 19.74 12 4,500,000 225,000,000 15.32 19.23 13 10,000,000 1,000,000,000 16.12 20.72 14 9,750,000 975,000,000 16.09 20.7 15 2,500,000 125,000,000 14.73 18.64 16 6,100,000 305,000,000 15.62 19.54 17 15,000,000 1,500,000,000 16.52 21.13 18 8,750,000 875,000,000 15.98 20.59 19 15,000,000 1,500,000,000 16.52 21.13 20 4,500,000 225,000,000 15.32 19.23 21 10,000,000 1,000,000,000 16.12 20.72 22 9,750,000 975,000,000 16.09 20.7 23 2,500,000 125,000,000 14.73 18.64 24 7,500,000 375,000,000 15.83 19.74 25 10,000,000 1,000,000,000 16.12 20.72 26 5,500,000 275,000,000 15.52 19.43

27 5,400,000 240,000,000 15.5 19.3

28 11,000,000 1,100,000,000 16.21 20.82 29 9,750,000 975,000,000 16.09 20.7 30 8,000,000 400,000,000 15.89 19.81 31 9,750,000 975,000,000 16.09 20.7 32 9,750,000 975,000,000 16.09 20.7 33 2,500,000 125,000,000 14.73 18.64 34 4,500,000 225,000,000 15.32 19.23 35 10,000,000 1,000,000,000 16.12 20.72 36 15,000,000 1,500,000,000 16.52 21.13 37 8,750,000 875,000,000 15.98 20.59

(17)

75

NO INC AKUMULASI

38 4,500,000 270,000,000 15.32 19.41 39 10,500,000 1,050,000,000 16.17 20.77 40 8,750,000 875,000,000 15.98 20.59 41 9,750,000 975,000,000 16.09 20.7 42 4,500,000 225,000,000 15.32 19.23 43 15,000,000 1,500,000,000 16.52 21.13 44 9,750,000 975,000,000 16.09 20.7 45 2,500,000 125,000,000 14.73 18.64 46 5,750,000 287,500,000 15.56 19.48 47 5,400,000 270,000,000 15.5 19.41 48 8,000,000 400,000,000 15.89 19.81 49 12,500,000 1,250,000,000 16.34 20.95 50 7,500,000 375,000,000 15.83 19.74 51 15,000,000 1,500,000,000 16.52 21.13 52 7,500,000 375,000,000 15.83 19.74 53 2,500,000 125,000,000 14.73 18.64 54 5,400,000 270,000,000 15.5 19.41 55 7,500,000 375,000,000 15.83 19.74 56 8,000,000 400,000,000 15.89 19.81 57 4,500,000 225,000,000 15.32 19.23 58 15,000,000 1,500,000,000 16.52 21.13 59 7,500,000 375,000,000 15.83 19.74 60 8,000,000 400,000,000 15.89 19.81 61 12,500,000 1,250,000,000 16.34 20.95 62 4,500,000 225,000,000 15.32 19.23 63 5,000,000 250,000,000 15.42 19.34 64 8,750,000 875,000,000 15.98 20.59 65 12,500,000 1,250,000,000 16.34 20.95 66 8,750,000 875,000,000 15.98 20.59 67 9,750,000 975,000,000 16.09 20.7 68 12,500,000 1,250,000,000 16.34 20.95 69 4,500,000 225,000,000 15.32 19.23 70 6,250,000 312,500,000 15.65 19.56 71 5,400,000 270,000,000 15.5 19.41 72 7,500,000 375,000,000 15.83 19.74 73 9,750,000 975,000,000 16.09 20.7 74 7,500,000 375,000,000 15.83 19.74 75 7,500,000 375,000,000 15.83 19.74

(18)

76

NO INC AKUMULASI

76 5,500,000 275,000,000 15.52 19.43 77 2,500,000 125,000,000 14.73 18.64 78 9,750,000 975,000,000 16.09 20.7 79 9,750,000 975,000,000 16.09 20.7 80 4,500,000 225,000,000 15.32 19.23 81 8,750,000 875,000,000 15.98 20.59 82 9,750,000 975,000,000 16.09 20.7 83 2,500,000 125,000,000 14.73 18.64 84 12,500,000 1,250,000,000 16.34 20.95 85 5,400,000 270,000,000 15.5 19.41 86 5,000,000 250,000,000 15.42 19.34 87 4,500,000 225,000,000 15.32 19.23 88 7,500,000 375,000,000 15.83 19.74 89 9,750,000 975,000,000 16.09 20.7 90 12,500,000 1,250,000,000 16.34 20.95 91 4,500,000 225,000,000 15.32 19.23 92 15,000,000 1,500,000,000 16.52 21.13 93 4,500,000 270,000,000 15.32 19.41 94 7,500,000 375,000,000 15.83 19.74 95 9,750,000 975,000,000 16.09 20.7 96 8,000,000 400,000,000 15.89 19.81 97 12,500,000 1,250,000,000 16.34 20.95 98 2,500,000 125,000,000 14.73 18.64 99 12,500,000 1,250,000,000 16.34 20.95 100 4,500,000 225,000,000 15.32 19.23 101 7,500,000 375,000,000 15.83 19.74 102 8,000,000 400,000,000 15.89 19.81 103 12,500,000 1,250,000,000 16.34 20.95 104 8,000,000 400,000,000 15.89 19.81 105 7,500,000 375,000,000 15.83 19.74 106 4,500,000 225,000,000 15.32 19.23 107 15,000,000 1,500,000,000 16.52 21.13 108 8,750,000 875,000,000 15.98 20.59 109 4,500,000 225,000,000 15.32 19.23

110 9,800,000 980,000,000 16.1 20.7

111 8,750,000 875,000,000 15.98 20.59 112 6,000,000 300,000,000 15.61 19.52 113 4,500,000 225,000,000 15.32 19.23

(19)

77

NO INC AKUMULASI

114 7,500,000 375,000,000 15.83 19.74 115 10,000,000 1,000,000,000 16.12 20.72 116 5,400,000 270,000,000 15.5 19.41 117 12,500,000 1,250,000,000 16.34 20.95 118 4,500,000 225,000,000 15.32 19.23 119 15,000,000 1,500,000,000 16.52 21.13 120 8,750,000 875,000,000 15.98 20.59 121 7,500,000 375,000,000 15.83 19.74 122 9,750,000 975,000,000 16.09 20.7 123 4,500,000 225,000,000 15.32 19.23 124 4,500,000 225,000,000 15.32 19.23 125 4,500,000 225,000,000 15.32 19.23 126 10,000,000 1,000,000,000 16.12 20.72 127 8,000,000 400,000,000 15.89 19.81 128 5,400,000 270,000,000 15.5 19.41 129 7,500,000 375,000,000 15.83 19.74 130 8,000,000 400,000,000 15.89 19.81 131 4,500,000 225,000,000 15.32 19.23 132 8,000,000 400,000,000 15.89 19.81 133 7,500,000 375,000,000 15.83 19.74 134 15,000,000 1,500,000,000 16.52 21.13 135 5,400,000 270,000,000 15.5 19.41 136 10,000,000 1,000,000,000 16.12 20.72 137 4,500,000 225,000,000 15.32 19.23

(20)

78 4. Lampiran Statistik Deskriptif

Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

AFS 137 11.00% 100.00% 60.7883% 25.10256%

PFS 137 0 1 .64 .483

INCOME 137 2500000.0 15000000.0 7873357.664 3396110.7248

AK 137 125000000.0 1500000000.0 622700729.927 443950457.8707 Valid N (listwise) 137

(21)

79 5. Lampiran Uji Multikolinearitas

Coefficients^a

Model

Unstandardized Coefficients

Standardize d Coefficients

t Sig.

Collinearity Statistics

B Std. Error Beta

Toleranc

e VIF

1 (Constant) -1.998 .741 -2.696 .008

AFS .004 .001 .136 3.699 .000 .299 3.348

D_PFS .380 .056 .240 6.814 .000 .327 3.055

D_GENDER .083 .070 .054 1.189 .237 .193 5.170

FORMAL

EDUCATION -.024 .008 -.071 -2.899 .004 .667 1.500

Ln_income 1.380 .053 .847 25.988 .000 .381 2.627

a. Dependent Variable: Ln_AK

Coefficient Correlations^a

Model Ln_Income APS

FORMAL

EDUCATION D_PFS

D_GENDE R

1 Correlations Ln_Income 1.000 -.553 -.376 -.161 .665

AFS -.553 1.000 .299 .330 -.622

FORMAL EDUCATION

-.376 .299 1.000 -.307 -.486

D_PFS -.161 .330 -.307 1.000 .295

D_GENDER .665 -.622 -.486 .295 1.000

Covariances Ln_Income .003 -3.297E-5 .000 .000 .002

AFS -3.297E-5 1.263E-6 2.809E-6 2.066E-5 -4.888E-5 FORMAL

EDUCATION .000 2.809E-6 6.989E-5 .000 .000

D_PFS .000 2.066E-5 .000 .003 .001

D_GENDER .002 -4.888E-5 .000 .001 .005

(22)

80 6. Lampiran Uji t

7. Lampiran Uji F

ANOVA^a

Model Sum of Squares df Mean Square F Sig.

1 Regression 75.650 5 15.130 468.225 .000^b

Residual 4.233 131 .032

Total 79.883 136

b. Predictors: (Constant), Ln_Income, AFS, FORMAL EDUCATION, D_PFS, D_GENDER Coefficients^a

Model

Unstandardized Coefficients

Standardized Coefficients

t Sig.

B Std. Error Beta

1 (Constant) -1.998 .741 -2.696 .008

AFS .004 .001 .136 3.699 .000

D_PFS .380 .056 .240 6.814 .000

D_GENDER .083 .070 .054 1.189 .237

FORMAL EDUCATION -.024 .008 -.071 -2.899 .004

Ln_income 1.380 .053 .847 25.988 .000

(23)

81 8. Lampiran Uji Koefisien Determinasi

Variables Entered/Removed^a

Model

Variables Entered

Variables

Removed Method 1 Ln_Income,

AFS, FORMAL EDUCATION, D_PFS, D_GENDER^b

. Enter

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

Model Summary^b

Model R R Square

Adjusted R Square

Std. Error of the Estimate

1 .973^a .947 .945 .17976

a. Predictors: (Constant), Ln_Income, AFS, FORMAL EDUCATION, D_PFS, D_GENDER

b. Dependent Variable: Ln_AK

(24)

82 9. Lampiran Crosstabulation

AFS * PFS Crosstabulation Count

PFS

Total Rendah Tinggi

AFS Rendah 0 48 48

Tinggi 50 39 89

Total 50 87 137

GENDER * AFS Crosstabulation Count

AFS

Total Rendah Tinggi

GENDER Laki-Laki 9 62 71

Perempuan 39 27 66

Total 48 89 137

GENDER * PFS Crosstabulation Count

PFS

Total Rendah Tinggi

GENDER Laki-Laki 50 21 71

Perempuan 0 66 66

Total 50 87 137

GENDER * FORMAL EDUCATION Crosstabulation Count

FORMAL EDUCATION

Total

SMP SMA S-1

GENDER Laki-Laki 7 27 37 71

Perempuan 0 33 33 66

Total 7 60 70 137

(25)

83

FORMAL EDUCATION * PFS Crosstabulation Count

PFS

Total Rendah Tinggi

FORMAL EDUCATION SMP 7 0 7

SMA 27 33 60

S-1 16 54 70

Total 50 87 137

GENDER * INCOME Crosstabulation Count

INCOME

Total Rendah Menengah Tinggi Sangat Tinggi

GENDER Laki-Laki 4 24 17 26 71

Perempuan 6 18 20 22 66

Total 10 42 37 48 137

FORMAL EDUCATION * AFS Crosstabulation Count

AFS

Total Rendah Tinggi

FORMAL EDUCATION SMP 0 7 7

SMA 19 41 60

S-1 29 41 70

Total 48 89 137

(26)

84

INCOME * AFS Crosstabulation Count

AFS

Total Rendah Tinggi

INCOME Rendah 6 4 10

Menengah 19 23 42

Tinggi 10 27 37

Sangat Tinggi 13 35 48

Total 48 89 137

INCOME * PFS Crosstabulation Count

PFS

Total Rendah Tinggi

INCOME Rendah 1 9 10

Menengah 15 27 42

Tinggi 12 25 37

Total 50 87 137

INCOME * FORMAL EDUCATION Crosstabulation

Count

FORMAL EDUCATION

Total

SMP SMA S-1

INCOME Rendah 0 4 6 10

Menengah 1 16 25 42

Tinggi 2 17 18 37

Sangat Tinggi 4 23 21 48

Total 7 60 70 137

(27)

85

AKUMULASI KEKAYAAN * AFS Crosstabulation Count

AFS

Total Rendah Tinggi

AKUMULASI KEKAYAAN Rendah 25 15 40

Menengah 5 22 27

Tinggi 10 24 34

Total 48 89 137

AKUMULASI KEKAYAAN * PFS Crosstabulation Count

PFS

Total Rendah Tinggi

Menengah 11 16 27

Tinggi 12 22 34

Total 50 87 137

AKUMULASI KEKAYAAN * GENDER Crosstabulation Count

GENDER

Total Laki-Laki Perempuan

Menengah 14 13 27

Tinggi 15 19 34

Total 71 66 137

(28)

86

AKUMULASI KEKAYAAN * FORMAL EDUCATION Crosstabulation Count

FORMAL EDUCATION

Total

SMP SMA S-1

AKUMULASI KEKAYAAN Rendah 1 20 32 53

Menengah 2 13 12 27

Tinggi 2 16 16 34

Sangat Tinggi 2 11 10 23

Total 7 60 70 137

AKUMULASI KEKAYAAN * INCOME Crosstabulation Count

INCOME

Total Rendah Menengah Tinggi Sangat Tinggi

AKUMULASI KEKAYAAN Rendah 10 42 1 0 53

Menengah 0 0 27 0 27

Tinggi 0 0 9 23 32

Sangat Tinggi 0 0 0 25 25

Total 10 42 37 48 137