Institutional Repository | Satya Wacana Christian University: Compulsive Buying Behavior: The Effects of Pocket Money, Peer Acceptance, Money Retention And Its Impact On Borrowing Habit

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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

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

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

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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

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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

Valid

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

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

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APPENDIX 5 STATISTIC DESCRIPTIVE OF POCKET MONEY

POCKET

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

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

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APPENDIX 7 STATISTIC DESCRIPTIVE OF AVERAGE MONEY RETENTION

AVERAGEMONEYRETENTION

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

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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

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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

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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

M3 <--- MONEY_RETENTION ,812

C4 <--- COMPULSIVE_BUYING ,805

B2 <--- BORROWING_HABIT ,801

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

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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

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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 <--- PEER_ACCEPTANCE ,310

COMPULSIVE_BUYING <--- POCKETMONEY ,057

BORROWING_HABIT <--- POCKETMONEY -,021

BORROWING_HABIT <--- PEER_ACCEPTANCE -,082

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APPENDIX 19 THE RELATIONSHIP BETWEEN MONEY RETENTION AND BORROWING HABIT

Regression Weights: (Group number 1 - Default model)

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 ***

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

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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 ***

C4 <--- COMPULSIVE_BUYING 1,000

C3 <--- COMPULSIVE_BUYING ,951 ,089 10,721 ***

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

Estimate

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96 APPENDIX 21 THE MEDIATING EFFECT

Regression Weights: (Group number 1 - Default model)

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 ***

M2 <--- MONEY_RETENTION 1,005 ,092 10,875 ***

C4 <--- COMPULSIVE_BUYING 1,000

B2 <--- BORROWING_HABIT 1,000

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

Estimate COMPULSIVE_BUYING <--- MONEY_RETENTION -,413

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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

29 222009009 22 L SEMARANG ORTU YA

30 232011140 20 P UNGARAN KOS YA

32 232013055 18 P SALATIGA ORTU YA

33 232010102 21 P KENDARI KOS YA

34 232012026 19 L LAMPUNG KOS YA

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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

42 232013339 18 L SUSUKAN ORTU YA

43 232013237 19 L BOYOLALI KOS 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

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

63 232011048 20 L LAMPUNG KOS YA

65 232010178 22 P BOYOLALI ORTU YA

66 212013239 22 P BOYOLALI KOS YA

69 232013342 18 P BLORA KOS YA

70 212010049 21 P BENGKULU KOS YA

71 232013305 19 P PATI KOS YA

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73 222013008 19 P SULAWESI KOS YA

74 232012193 20 L BATAM KOS TIDAK

78 232012225 21 L SALATIGA KERABAT YA

79 232012238 19 L JAKARTA KOS 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

94 222013018 21 P TEMANGGUNG KOS YA

96 212012138 20 L KALSEL KOS YA

98 212012606 20 P BAWEN ORTU YA

99 212012024 19 P TEGAL KOS TIDAK

100 212013141 19 P LAMPUNG KERABAT YA

105 232013192 18 L LAMPUNG KOS YA

107 232011104 20 P MANADO KOS TIDAK

108 212013181 19 P JEPARA KOS YA

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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

115 212012172 20 L SALATIGA ORTU YA

116 ARDI SURYA 19 L PURWOREJO KOS YA

117 232012181 20 L UNGARAN KOS YA

118 ADITIA 20 L SALATIGA ORTU TIDAK

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

135 232011267 20 P KENDAL KOS YA

136 232011270 20 P BEKASI KERABAT 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

144 232009239 23 P PALEMBANG KONTRAK YA

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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

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

159 222012008 20 P SALATIGA ORTU TIDAK 160 232012101 19 P SALATIGA ORTU TIDAK

161 232011210 20 L KLATEN KERABAT YA

162 232011263 20 P KUPANG KONTRAK 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

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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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

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

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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

(27)

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

(28)

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

(29)

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

(30)

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

(31)

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

(32)

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

(33)

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

(34)

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.

(35)

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.

(36)

69 meminjam uang.

15.

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

16.

Saya tidak terbiasa meminjam uang ketika kekurangan uang.