Lampiran 1
Kuesioner
I.
Karakteristik Responden
1. Umur
:
2. Jenis Kelamin
:
3. Status Kawin
:
4. Pendidikan Tertinggi yang Ditamatkan
:
a. Tidak pernah sekolah
b. Tidak tamat SD
c. Tamat SD
d. Tamat SMP
e. Tamat SMA/SMK
f. Tamat Akademi (D1-D3)
g. Tamat PT (Perguruan Tinggi)
5. Penghasilan rata-rata Sebulan
:
6. Berapa rata-rata uang tunai yang dipegang sehari-hari ?
7. Apakah pasangan Bapak/Ibu sudah bekerja ?
II.
Pengenalan Terhadap Alat Pembayaran Non – Tunai
1. Apakah Bapak/Ibu/Sdr pernah menggunakan alat pembayaran
non-tunai ?
2. Alat pembayaran Non-Tunai yang Bapak/Ibu/Sdr paham/tahu ?
a. ATM (utk transfer)
b. UangelektroniksptE-toll, Brizz, dll.
c. Kartukredit
d. Kartudebet
e. Mobile Banking
f. Telephone Banking
g. Internet Banking/Payment
h. Cheque/Giro
3. Jenis Alat Pembayaran yang pernah Bapak/Ibu/Sdr gunakan ?
a. ATM (utk transfer)
b. UangelektroniksptE-toll, Brizz, dll.
c. Kartukredit
d. Kartudebet
e. Mobile Banking
f. Telephone Banking
g. Internet Banking/Payment
h. Cheque/Giro
4. Jika pernah menggunakan ATM untuk kegiatan transfer,
bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
5. Jika pernah menggunakan Uang Elektronik untuk kegiatan
transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
6. Jika pernah menggunakan Kartu Kredit untuk kegiatan transfer,
bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
7. Jika pernah menggunakan Kartu Debit untuk kegiatan transfer,
bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
8. Jika pernah menggunakan Mobile Banking untuk kegiatan
transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
9. Jika pernah menggunakan Phone Banking untuk kegiatan transfer,
bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
10. Jika pernah menggunakan Internet Banking untuk kegiatan
transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
11. Jika pernah menggunakan Cek/Giro untuk kegiatan transfer,
bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya ?
a. Sangat Jarang
b. Jarang
c. Cukup Sering
d. Sering
e. Sangat Sering
III.
Alasan Pendorong dan Penghambat Dalam Penggunaan Alat
Pembayaran Non-Tunai
1. Untuk transaksi sehari-hari apakah Bapak/Ibu/Saudara msih sering
menggunakan transaksi tunai (dengan uang cash) ?
a. Iya
b. Tidak
2. Alasan Bapak/Ibu/Sdr menggunakan alat pembayaran non tunai:
a. Mempercepat transaksi
(Setuju/Tidak Setuju)
b. Lebih higienis daripada memegang uang tunai
(Setuju/Tidak Setuju)
c. Manajemen uang tunai menjadi lebih mudah
(Setuju/Tidak Setuju)
d. Keamanan (tidak perlu membawa banyak uang tunai)
(Setuju/Tidak Setuju)
e. Mempermudah transaksi
(Setuju/Tidak Setuju)
f. Transaksi lebih nyaman (tidak perlu menyimpan uang recehan)
(Setuju/Tidak Setuju)
g. Tidak mempertebal dompet
(Setuju/Tidak Setuju)
3. Hambatan yang Bapak/Ibu/Sdr temui dalam menggunakan alat
pembayaran non tunai :
a. Infrastrukturpembayaran (Mesin EDC electronic data capture)
di penjualmasihterbatas
b. Jaringan telekomunikasi masih tidak stabil
(Setuju/Tidak Setuju)
c. Kekhawatiran transaksi tidak berjalan dengan tuntas (settle)
(Setuju/Tidak Setuju)
d. Kurang pemahaman atau keahlian dalam penggunaan alat
pembayaran non tunai
(Setuju/Tidak Setuju)
e. Keterjaminan perlindungan konsumen terhadap transaksi
(Setuju/Tidak Setuju)
f. Mahalnya jaringan komunikasi
(Setuju/Tidak Setuju)
4. Jika Bapak/Ibu/Sdr adalah pengusaha, apakah anda menerima
pembayaran secara non tunai?
a. Ya
b. Tidak
5. Menurut Bapak/Ibu/Sdr, bagaimana prospek penggunaan alat
pembayaran non tunai dalam 5 (lima) tahun ke depan?
a. Tidak ada perubahan
b. Sedikit perubahan
c. Cukup banyak perubahan
d. Sangat banyak perubahan
Lampiran II
Hasil Pengolahan Data melalui SPSS
KR 01
Umur
Frequency Percent Valid Percent Cumulative
Percent Valid 1 1 2,0 2,0 2,0 2 22 44,0 44,0 46,0 3 19 38,0 38,0 84,0 4 6 12,0 12,0 96,0 5 2 4,0 4,0 100,0 Total 50 100,0 100,0
KR 02
JeniskelaminFrequency Percent Valid Percent Cumulative
Percent Valid laki-laki 25 50,0 50,0 50,0 perempuan 25 50,0 50,0 100,0 Total 50 100,0 100,0
KR 03
StatuskawinFrequency Percent Valid Percent Cumulative
Percent Valid belum kawin 16 32,0 32,0 32,0 Kawin 33 66,0 66,0 98,0 cerai mati 1 2,0 2,0 100,0 Total 50 100,0 100,0
KR 04
Pendidikan
Frequency Percent Valid Percent Cumulative
Percent
Valid
tamat sma/smk 14 28,0 28,0 28,0
tamat akademi (d3-d1) 8 16,0 16,0 44,0
tamat perguruan tinggi 28 56,0 56,0 100,0
Total 50 100,0 100,0
KR 08
Penghasilan
Frequency Percent Valid Percent Cumulative
Percent Valid 1 33 66,0 66,0 66,0 2 14 28,0 28,0 94,0 3 3 6,0 6,0 100,0 Total 50 100,0 100,0
PE 01
PenggunaanFrequency Percent Valid Percent Cumulative
Percent Valid pernah 46 92,0 93,9 93,9 tidak 3 6,0 6,1 100,0 Total 49 98,0 100,0 Missing System 1 2,0 Total 50 100,0
PE 3
AtmFrequency Percent Valid Percent Cumulative
Percent
Uangelektronik
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 3 6,0 6,0 6,0 tidak 47 94,0 94,0 100,0 Total 50 100,0 100,0 Kartukredit
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 36 72,0 72,0 72,0 tidak 14 28,0 28,0 100,0 Total 50 100,0 100,0 Kartudebet
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 41 82,0 82,0 82,0 tidak 9 18,0 18,0 100,0 Total 50 100,0 100,0 Mobilebanking
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 34 68,0 68,0 68,0 tidak 16 32,0 32,0 100,0 Total 50 100,0 100,0 Phonebanking
Frequency Percent Valid Percent Cumulative
Percent
Valid
pernah 23 46,0 46,0 46,0
tidak 27 54,0 54,0 100,0
Internetbanking
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 33 66,0 66,0 66,0 tidak 17 34,0 34,0 100,0 Total 50 100,0 100,0 Cekgiro
Frequency Percent Valid Percent Cumulative
Percent Valid pernah 31 62,0 62,0 62,0 tidak 19 38,0 38,0 100,0 Total 50 100,0 100,0 P6
Frequency Percent Valid Percent Cumulative
Percent Valid sangatjarang 6 12,0 12,0 12,0 jarang 8 16,0 16,0 28,0 sering 16 32,0 32,0 60,0 sangatsering 20 40,0 40,0 100,0 Total 50 100,0 100,0 P7
Frequency Percent Valid Percent Cumulative
Percent Valid sangatjarang 2 4,0 4,0 4,0 jarang 7 14,0 14,0 18,0 sering 17 34,0 34,0 52,0 sangatsering 24 48,0 48,0 100,0 Total 50 100,0 100,0
P8
Frequency Percent Valid Percent Cumulative
Percent Valid Sangatjarang 2 4,0 4,0 4,0 Jarang 13 26,0 26,0 30,0 Cukupsering 1 2,0 2,0 32,0 Sering 13 26,0 26,0 58,0 Sangatsering 21 42,0 42,0 100,0 Total 50 100,0 100,0 P9
Frequency Percent Valid Percent Cumulative
Percent Valid Sangatjarang 8 16,0 16,0 16,0 Jarang 20 40,0 40,0 56,0 Sering 12 24,0 24,0 80,0 Sangatsering 10 20,0 20,0 100,0 Total 50 100,0 100,0 P10
Frequency Percent Valid Percent Cumulative
Percent Valid Sangatjarang 6 12,0 12,0 12,0 Jarang 11 22,0 22,0 34,0 Sering 21 42,0 42,0 76,0 Sangatsering 12 24,0 24,0 100,0 Total 50 100,0 100,0
P11
Frequency Percent Valid Percent Cumulative
Percent Valid sangatjarang 5 10,0 10,0 10,0 jarang 14 28,0 28,0 38,0 sering 19 38,0 38,0 76,0 sangatsering 12 24,0 24,0 100,0 Total 50 100,0 100,0 AH01
Frequency Percent Valid Percent Cumulative
Percent Valid ya 46 92,0 92,0 92,0 tidak 4 8,0 8,0 100,0 Total 50 100,0 100,0 AH0201
Frequency Percent Valid Percent Cumulative
Percent
Valid setuju 50 100,0 100,0 100,0
AH0202
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 41 82,0 82,0 82,0 tidaksetuju 9 18,0 18,0 100,0 Total 50 100,0 100,0 AH0203
Frequency Percent Valid Percent Cumulative
Percent
Valid
setuju 48 96,0 96,0 96,0
tidaksetuju 2 4,0 4,0 100,0
AH0204
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 49 98,0 98,0 98,0 tidaksetuju 1 2,0 2,0 100,0 Total 50 100,0 100,0 AH0205
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 48 96,0 96,0 96,0 tidaksetuju 2 4,0 4,0 100,0 Total 50 100,0 100,0 AH0206
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 49 98,0 98,0 98,0 tidaksetuju 1 2,0 2,0 100,0 Total 50 100,0 100,0 AH0207
Frequency Percent Valid Percent Cumulative
Percent
Valid setuju 50 100,0 100,0 100,0
AH0301
Frequency Percent Valid Percent Cumulative
Percent
Valid
setuju 42 84,0 84,0 84,0
tidaksetuju 8 16,0 16,0 100,0
AH0302
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 41 82,0 82,0 82,0 tidaksetuju 9 18,0 18,0 100,0 Total 50 100,0 100,0 AH0303
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 37 74,0 74,0 74,0 tidaksetuju 13 26,0 26,0 100,0 Total 50 100,0 100,0 AH0304
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 36 72,0 72,0 72,0 tidaksetuju 14 28,0 28,0 100,0 Total 50 100,0 100,0 AH0305
Frequency Percent Valid Percent Cumulative
Percent
Valid
setuju 39 78,0 78,0 78,0
tidaksetuju 11 22,0 22,0 100,0
AH0306
Frequency Percent Valid Percent Cumulative
Percent Valid setuju 39 78,0 78,0 78,0 tidaksetuju 11 22,0 22,0 100,0 Total 50 100,0 100,0 prospekapmk
Frequency Percent Valid Percent Cumulative
Percent Valid sedikitperubahan 8 16,0 16,0 16,0 cukupbanyakperubahan 16 32,0 32,0 48,0 sangatbanyakperubahan 26 52,0 52,0 100,0 Total 50 100,0 100,0
umur * PE04 Crosstabulation Count
PE04 Total
sangat jarang jarang cukup sering Sering sangat sering
umur 1 0 0 0 0 1 1 2 5 4 3 6 4 22 3 2 4 4 7 2 19 4 1 1 2 2 0 6 5 0 1 0 0 1 2 Total 8 10 9 15 8 50
Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 12,804a 16 ,687 Likelihood Ratio 12,530 16 ,707 Linear-by-Linear Association ,039 1 ,843 N of Valid Cases 50
a. 23 cells (92,0%) have expected count less than 5. The minimum expected count is ,16.
umur * PE05 Crosstabulation Count PE05 Total 0 sangat jarang jarang cukup sering sering sangat sering umur 1 0 0 1 0 0 0 1 2 7 4 4 1 3 3 22 3 4 3 6 2 4 0 19 4 1 3 0 1 1 0 6 5 2 0 0 0 0 0 2 Total 14 10 11 4 8 3 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided)
Pearson Chi-Square 19,632a 20 ,481
Likelihood Ratio 20,399 20 ,433
Linear-by-Linear Association 1,180 1 ,277
N of Valid Cases 50
a. 28 cells (93,3%) have expected count less than 5. The minimum expected count is ,06.
umur * PE06 Crosstabulation Count
PE06 Total
sangat jarang jarang sering sangat sering
umur 1 0 1 0 0 1 2 3 2 8 9 22 3 0 4 7 8 19 4 2 0 1 3 6 5 1 1 0 0 2 Total 6 8 16 20 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 17,952a 12 ,117 Likelihood Ratio 18,864 12 ,092 Linear-by-Linear Association 1,059 1 ,304 N of Valid Cases 50
a. 16 cells (80,0%) have expected count less than 5. The minimum expected count is ,12.
umur * PE07 Crosstabulation Count
PE07 Total
sangat jarang jarang sering sangat sering
umur 1 0 1 0 0 1 2 2 3 6 11 22 3 0 1 9 9 19 4 0 0 2 4 6 5 0 2 0 0 2 Total 2 7 17 24 50
Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 24,480a 12 ,017 Likelihood Ratio 19,498 12 ,077 Linear-by-Linear Association ,088 1 ,767 N of Valid Cases 50
a. 16 cells (80,0%) have expected count less than 5. The minimum expected count is ,04.
umur * PE08 Crosstabulation Count
PE08 Total
sangat jarang jarang cukup sering sering sangat sering
umur 1 0 1 0 0 0 1 2 2 5 0 7 8 22 3 0 4 1 3 11 19 4 0 2 0 3 1 6 5 0 1 0 0 1 2 Total 2 13 1 13 21 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 12,954a 16 ,676 Likelihood Ratio 14,195 16 ,584 Linear-by-Linear Association ,202 1 ,653 N of Valid Cases 50
a. 21 cells (84,0%) have expected count less than 5. The minimum expected count is ,02.
umur * PE09 Crosstabulation Count
PE09 Total
sangat jarang\ jarang sering sangat sering
umur 1 0 1 0 0 1 2 4 9 3 6 22 3 3 7 5 4 19 4 1 3 2 0 6 5 0 0 2 0 2 Total 8 20 12 10 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 11,140a 12 ,517 Likelihood Ratio 12,133 12 ,435 Linear-by-Linear Association ,197 1 ,657 N of Valid Cases 50
a. 17 cells (85,0%) have expected count less than 5. The minimum expected count is ,16.
umur * PE10 Crosstabulation Count
PE10 Total
sangat jarang jarang sering sangat sering
umur 1 0 1 0 0 1 2 3 5 7 7 22 3 2 4 10 3 19 4 1 1 3 1 6 5 0 0 1 1 2 Total 6 11 21 12 50
Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 7,476a 12 ,825 Likelihood Ratio 7,541 12 ,820 Linear-by-Linear Association ,546 1 ,460 N of Valid Cases 50
a. 17 cells (85,0%) have expected count less than 5. The minimum expected count is ,12.
umur * PE11 Crosstabulation Count
PE11 Total
sangat jarang jarang sering sangat sering
umur 1 0 0 0 1 1 2 2 8 7 5 22 3 1 5 9 4 19 4 2 0 2 2 6 5 0 1 1 0 2 Total 5 14 19 12 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 11,224a 12 ,510 Likelihood Ratio 11,953 12 ,449 Linear-by-Linear Association ,041 1 ,840 N of Valid Cases 50
a. 15 cells (75,0%) have expected count less than 5. The minimum expected count is ,10.
penghasilan * PE04 Crosstabulation Count
PE04 Total
sangat jarang Jarang cukup sering sering sangat sering
Penghasilan 1 7 7 6 8 5 33 2 1 2 2 7 2 14 3 0 1 1 0 1 3 Total 8 10 9 15 8 50 Chi-Square Tests
Value Df Asymp. Sig.
(2-sided)
Pearson Chi-Square 6,481a 8 ,593
Likelihood Ratio 7,475 8 ,486
Linear-by-Linear Association 1,507 1 ,220
N of Valid Cases 50
a. 10 cells (66,7%) have expected count less than 5. The minimum expected count is ,48.
penghasilan * PE05 Crosstabulation Count
PE05 Total
0 sangat jarang jarang cukup sering sering sangat sering
Penghasilan
1 9 7 7 2 5 3 33
2 3 2 4 2 3 0 14
3 2 1 0 0 0 0 3
Chi-Square Tests
Value df Asymp. Sig.
(2-sided)
Pearson Chi-Square 6,672a 10 ,756
Likelihood Ratio 8,381 10 ,592
Linear-by-Linear Association ,875 1 ,349
N of Valid Cases 50
a. 14 cells (77,8%) have expected count less than 5. The minimum expected count is ,18.
penghasilan * PE06 Crosstabulation Count
PE06 Total
sangat jarang jarang sering sangat sering
Penghasilan 1 4 4 12 13 33 2 2 4 4 4 14 3 0 0 0 3 3 Total 6 8 16 20 50
•
•
Chi-Square TestsValue df Asymp. Sig.
(2-sided) Pearson Chi-Square 6,962a 6 ,324 Likelihood Ratio 7,766 6 ,256 Linear-by-Linear Association ,068 1 ,794 N of Valid Cases 50
a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is ,36.
penghasilan * PE07 Crosstabulation Count
PE07 Total
sangat jarang jarang sering sangat sering
Penghasilan 1 1 3 13 16 33 2 1 4 3 6 14 3 0 0 1 2 3 Total 2 7 17 24 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 4,885a 6 ,559 Likelihood Ratio 5,015 6 ,542 Linear-by-Linear Association ,264 1 ,607 N of Valid Cases 50
a. 9 cells (75,0%) have expected count less than 5. The minimum expected count is ,12.
penghasilan * PE08 Crosstabulation Count
PE08 Total
sangat jarang jarang cukup sering sering sangat sering
Penghasilan
1 2 7 0 8 16 33
2 0 6 0 3 5 14
3 0 0 1 2 0 3
Chi-Square Tests
Value df Asymp. Sig.
(2-sided)
Pearson Chi-Square 23,080a 8 ,003
Likelihood Ratio 14,897 8 ,061
Linear-by-Linear Association ,539 1 ,463
N of Valid Cases 50
a. 11 cells (73,3%) have expected count less than 5. The minimum expected count is ,06.
penghasilan * PE09 Crosstabulation Count
PE09 Total
sangat jarang\ jarang sering sangat sering
Penghasilan 1 6 14 8 5 33 2 2 5 3 4 14 3 0 1 1 1 3 Total 8 20 12 10 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 2,067a 6 ,913 Likelihood Ratio 2,467 6 ,872 Linear-by-Linear Association 1,517 1 ,218 N of Valid Cases 50
a. 7 cells (58,3%) have expected count less than 5. The minimum expected count is ,48.
penghasilan * PE10 Crosstabulation Count
PE10 Total
sangat jarang jarang sering sangat sering
Penghasilan 1 1 10 13 9 33 2 4 1 7 2 14 3 1 0 1 1 3 Total 6 11 21 12 50 Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 10,780a 6 ,095 Likelihood Ratio 11,581 6 ,072 Linear-by-Linear Association ,665 1 ,415 N of Valid Cases 50
a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is ,36.
penghasilan * PE11 Crosstabulation Count
PE11 Total
sangat jarang jarang sering sangat sering
Penghasilan
1 5 12 9 7 33
2 0 2 9 3 14
3 0 0 1 2 3
Chi-Square Tests
Value df Asymp. Sig.
(2-sided) Pearson Chi-Square 11,164a 6 ,083 Likelihood Ratio 12,645 6 ,049 Linear-by-Linear Association 6,884 1 ,009 N of Valid Cases 50
a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is ,30.
