BAB V SIMPULAN DAN SARAN
5.2. Saran
5.2.3 Saran Bagi Peneliti Selanjutnya
Penelitian ini tidak dapat menggambarkan intensi mahasiswa secara umum di lapangan serta masih terdapat variabel yang sikiranya belum dibahas dalam
mempengaruhi intensi mahasiswa menjadi nasabah bank syariah dalam penelitian ini. Maka peneliti memberikan rekomendasi untuk penelitian lanjutan, yaitu:
1. Disarankan untuk melakukan penelitian terkait intensi mahasiswa menjadi nasabah bank syariah dengan variabel yang berbeda, yaitu variabel yang belum diteliti dalam penelitian ini.
2. Perluasan objek penelitian yang tidak terbatas pada mahasiswa IBS semata tapi pada mahasiswa di wilayah DKI Jakarta atau wilayah yang lebih luas, agar dapat menghasilkan hasil yang lebih menyeluruh dan menggambarkan intensi mahasiswa secara umum dilapangan.
3. Pengukuran variabel pengetahuan riba dan sikap kepada bank syariah dapat menggunakan indikator yang lebih terperinci untuk dapat menghasilkan hasil yang lebih mendalam pada penelitian lanjutan.
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Saya Rizky Dwiputra, mahasiswa S1 Manajemen Keuangan dan Perbankan Syariah (MKPS) angkatan 2014 Indonesia Banking School (IBS). Saat ini saya sedang melakukan penelitian berupa analisis pengetahuan riba dan sikap kepada bank syariah terhadap intensi mahasiswa/i STIE IBS menjadi nasabah bank syariah pada angkatan 2014 – 2017.
Penelitian ini dilakukan guna melengkapi syarat saya untuk mencapai gelar sarjana ekonomi. Oleh karena itu, saya mohon bantuan teman-teman mahasiswa untuk meluangkan waktunya dalam mengisi kuesioner ini dengan penuh kejujuran dan sebagaimana mestinya. Atas partisipasi teman-teman dalam keberlangsungan penelitian ini, saya mengucapkan terima kasih
I. Profil Responden (Pilih salah satu)
1. Apakah anda sebelumnya pernah mempelajari riba?
o Ya
o Tidak (Tidak perlu melanjutkan kuesioner ini) 2. Apakah anda sudah menjadi nasabah bank syariah?
o Ya o Tidak
3. Dari mana awal anda mengenal riba?
o Orang tua/ kerabat dekat o SD
o SMP o SMA o Pesantren o Kuliah
o Komunitas/Kajian
4. Jenis kelamin anda o Laki-laki o Perempuan
5. Saya Mahasiswa/i IBS angkatan tahun o 2014
o 2015 o 2016 o 2017
6. Saya Mahasiswa/i IBS program studi o Akuntansi
o Manajemen
o Manajemen Syariah 7. Usia
o 17 o 18 o 19 o 20 o 21 o 22 o 23 o 24 o 25
8. Domisili tempat tinggal saat ini o Jakarta
o Bogor o Depok o Tangerang o Bekasi
II. Petunjuk Pengisian Kuesioner
Berikut ini terdapat sejumlah pertanyaan, silahkan baca dan pahami setiap pertanyaan yang diberikan. Anda diminta untuk mengemukakan apakah pertanyaan-pertanyaan tersebut sesuai dengan diri anda, dengan memilih salah satu kotak pilihan jawaban yang tersedia, yaitu:
SS : Sangat Setuju S : Setuju
R : Ragi-ragu KS : Kurang Setuju TS : Tidak Setuju
III. Kuesioner Penelitian Pengetahuan Riba
No Pertanyaan TS KS R S SS
1
Saya paham riba merupakan tambahan dari transaksi atau pinjam meminjam secara batil (tidak benar)
2
Saya paham riba merupakan perbuatan yang tidak adil karena hanya menguntungkan salah satu pihak
3
Saya paham bahwa perbuatan riba merupakan suatu
perbuatan dosa dan perbuatan yang tercela
4
Saya paham bahwa bank konvensional menerapkan praktik riba
5
Saya paham sistem bunga dapat membebankan seseorang yang membutuhkan dana 6 Saya paham bahwa bunga bank
adalah riba
Sikap Kepada Bank Syariah
No Pertanyaan TS KS R S SS
1
Saya menganggap memilih bank syariah merupakan hal yang bagus
2 Saya merasa nyaman jika menggunakan bank syariah 3 Saya merasa bank syariah
dapat memenuhi kepuasan saya 4 Saya menganggap bank syariah
lebih aman dan transparan 5
Saya menganggap bank syariah memberi manfaat kepada masyarakat
Intensi Menjadi Nasabah Bank Syariah
No Pertanyaan TS KS R S SS
1
Saya berencana untuk menjadi (atau tetap menjadi) nasabah bank syariah dalam waktu dekat ini
2
Saya cenderung untuk menjadi (atau tetap menjadi) nasabah bank syariah di kemudian hari 3 Saya akan menjadi (atau tetap menjadi) nasabah bank syariah 4 Saya yakin untuk menjadi (atau
tetap menjadi) nasabah bank syariah
5
Pengaruh kerabat/teman dekat akan membuat saya menjadi (atau tetap menjadi) nasabah bank syariah
LAMPIRAN 2: HASIL KUESIONER
No. PR1 PR2 PR3 PR4 PR5 PR6 PRt S1 S2 S3 S4 S5 St I1 I2 I3 I4 I5 It 1 4 4 4 4 4 4 24 4 4 4 3 4 19 4 4 4 4 4 20 2 5 4 5 5 5 5 29 5 5 5 5 5 25 5 5 5 5 5 25 3 5 5 5 5 5 5 30 3 3 3 3 5 17 4 4 4 4 4 20 4 2 3 4 5 4 4 22 1 2 3 2 3 11 1 3 3 3 3 13 5 5 5 4 4 5 5 28 4 3 3 3 3 16 3 3 3 3 3 15 6 5 4 5 5 4 4 27 4 4 4 4 4 20 3 3 3 3 4 16 7 2 2 1 1 1 1 8 4 4 4 4 4 20 3 4 3 3 2 15 8 4 3 4 4 3 4 22 3 3 3 3 3 15 3 2 2 2 2 11 9 3 3 3 3 3 3 18 3 3 3 3 4 16 4 3 3 3 3 16 10 5 4 5 5 5 5 29 4 3 3 3 3 16 3 3 3 3 3 15 11 3 3 3 3 3 3 18 3 3 3 3 3 15 3 3 3 3 3 15 12 5 5 5 4 5 5 29 5 5 5 5 5 25 5 2 5 5 5 22 13 5 3 5 5 5 5 28 4 4 4 3 4 19 4 4 4 4 4 20 14 4 4 3 3 3 3 20 3 3 3 3 3 15 3 3 3 3 3 15 15 4 4 4 3 5 3 23 5 5 3 4 4 21 4 4 4 3 2 17 16 5 4 5 4 5 5 28 4 3 3 3 3 16 2 3 3 2 2 12 17 5 2 3 3 3 3 19 4 4 4 4 4 20 4 4 4 4 4 20 18 4 4 4 5 5 3 25 4 3 3 3 5 18 2 3 4 3 1 13 19 4 4 4 4 4 4 24 4 3 3 3 4 17 3 3 3 3 3 15 20 3 3 3 3 3 3 18 4 3 3 3 3 16 3 3 3 3 3 15 21 4 4 4 5 5 5 27 3 3 2 3 3 14 2 2 3 3 3 13 22 5 5 5 5 2 5 27 5 5 5 5 5 25 5 5 5 5 5 25 23 3 3 4 5 4 5 24 4 4 4 4 4 20 3 3 3 3 3 15 24 5 5 5 5 5 5 30 5 5 4 4 5 23 3 4 4 4 3 18 25 3 5 5 2 4 4 23 4 4 4 4 4 20 3 4 3 3 4 17 26 5 5 5 3 5 5 28 5 3 3 3 5 19 5 5 3 3 3 19 27 5 5 5 3 4 4 26 5 4 4 4 4 21 4 4 4 4 5 21 28 5 5 5 5 5 5 30 4 4 3 3 4 18 4 4 4 4 4 20 29 5 5 5 4 5 5 29 5 5 5 5 5 25 5 5 5 5 5 25 30 5 5 5 5 5 5 30 3 3 4 4 4 18 4 4 4 4 4 20 31 3 5 4 4 5 4 25 4 3 4 4 4 19 4 4 4 4 4 20 32 4 3 3 4 3 4 21 3 3 3 4 4 17 4 4 3 3 4 18 33 5 5 5 5 5 5 30 3 3 3 4 4 17 2 2 3 3 3 13 34 5 5 5 4 4 4 27 3 3 3 4 3 16 2 3 3 3 3 14 35 3 3 3 4 2 5 20 4 3 3 3 3 16 2 3 2 2 3 12 36 4 4 4 4 4 4 24 4 4 3 3 4 18 4 4 4 4 3 19 37 4 5 5 5 5 5 29 4 3 3 3 3 16 3 4 4 4 3 18 38 5 5 5 5 5 5 30 5 4 4 4 5 22 5 4 5 5 5 24 39 5 5 4 3 4 3 24 3 3 4 3 4 17 3 4 4 4 4 19 40 4 5 5 5 4 5 28 5 4 4 4 4 21 4 4 3 3 5 19 41 5 5 5 5 5 5 30 5 4 4 5 5 23 5 5 5 5 5 25 42 5 5 5 4 5 4 28 4 4 4 4 4 20 4 4 4 4 4 20 43 5 5 5 5 5 5 30 5 5 5 5 5 25 5 5 5 5 5 25 44 5 5 5 5 5 5 30 5 5 5 5 5 25 5 5 5 5 5 25 45 4 4 5 4 5 5 27 5 3 3 4 5 20 4 4 4 4 4 20 46 4 5 5 4 5 3 26 5 4 4 4 5 22 5 5 5 4 4 23 47 4 4 5 4 4 4 25 5 4 4 5 5 23 3 4 4 4 4 19 48 3 5 5 5 5 5 28 5 4 5 5 5 24 5 4 4 4 3 20 49 4 4 4 4 4 3 23 3 3 3 3 3 15 3 3 3 3 3 15 50 5 5 5 4 4 4 27 5 5 5 4 5 24 4 4 5 4 4 21
51 5 5 5 4 5 5 29 4 4 4 5 4 21 3 3 4 4 4 18 52 4 4 5 3 5 5 26 3 3 3 4 4 17 4 4 4 4 4 20 53 5 5 5 5 5 5 30 4 4 4 5 5 22 4 4 5 5 5 23 54 4 4 5 5 4 5 27 3 3 3 3 5 17 3 3 3 3 4 16 55 3 3 3 4 4 4 21 3 3 3 3 3 15 3 3 3 2 3 14 56 4 4 4 4 3 3 22 4 3 4 4 4 19 3 4 4 4 4 19 57 3 3 3 3 3 3 18 3 3 3 3 3 15 3 3 3 3 3 15 58 5 4 4 4 5 5 27 5 4 4 4 4 21 4 5 4 4 4 21 59 3 5 4 4 4 4 24 3 2 2 3 3 13 1 3 1 3 1 9 60 5 5 5 5 5 5 30 5 3 3 3 4 18 2 3 3 3 3 14 61 4 4 4 5 3 5 25 4 4 4 5 5 22 4 4 4 4 5 21 62 5 4 5 5 4 5 28 4 4 4 5 5 22 3 5 5 4 5 22 63 4 4 3 3 3 3 20 4 3 3 3 3 16 4 4 3 3 3 17 64 3 3 3 3 3 3 18 3 3 4 3 3 16 4 3 3 3 3 16 65 4 4 5 5 3 4 25 3 3 3 3 5 17 3 3 3 3 5 17 66 4 2 3 5 4 4 22 2 2 2 2 3 11 2 2 2 2 1 9 67 3 5 5 5 5 5 28 4 4 3 3 4 18 3 4 4 4 3 18 68 3 4 4 4 4 4 23 5 4 5 4 4 22 4 4 5 4 5 22 69 5 5 5 5 5 5 30 5 5 5 5 5 25 5 5 5 5 5 25 70 5 5 5 4 5 5 29 4 4 4 4 4 20 4 4 4 4 4 20 71 5 5 5 5 5 5 30 5 4 3 4 5 21 5 5 5 5 5 25 72 4 4 4 4 4 4 24 4 3 3 3 4 17 3 3 3 3 3 15 73 2 3 2 4 4 4 19 3 2 3 3 4 15 3 3 3 2 2 13 74 4 4 4 4 4 4 24 3 3 2 4 4 16 1 4 4 3 3 15 75 5 3 4 5 3 5 25 3 3 3 4 3 16 2 3 3 3 3 14 76 4 5 5 4 4 5 27 3 3 3 3 4 16 3 4 4 4 3 18 77 4 4 5 4 4 4 25 2 3 3 3 3 14 3 3 3 3 4 16 78 4 3 3 3 3 3 19 4 4 4 4 4 20 3 3 3 3 3 15 79 4 3 4 4 5 4 24 4 4 4 5 5 22 3 4 4 4 4 19 80 4 4 4 5 5 5 27 4 4 4 5 5 22 4 5 5 5 4 23 81 5 5 5 3 3 3 24 3 3 2 3 3 14 2 3 3 3 2 13 82 4 4 4 5 5 3 25 4 4 4 4 4 20 4 4 4 5 4 21 83 4 4 4 4 4 4 24 4 4 4 4 4 20 4 4 4 4 4 20 84 3 4 4 5 4 5 25 3 3 3 3 3 15 3 3 3 3 2 14 85 1 1 1 1 1 1 6 3 3 3 2 3 14 2 2 2 2 2 10 86 4 4 4 4 4 5 25 4 4 4 4 5 21 4 4 4 4 2 18 87 5 4 5 5 5 5 29 4 4 4 3 4 19 4 4 4 4 2 18 88 5 5 5 4 4 4 27 4 4 4 4 4 20 3 3 3 3 4 16 89 4 2 4 5 5 5 25 5 4 3 3 5 20 3 4 5 3 4 19 90 3 2 5 5 5 5 25 3 3 4 4 5 19 3 4 4 4 5 20 91 4 2 5 5 5 4 25 3 3 2 2 3 13 3 3 3 3 5 17 92 2 3 3 4 3 3 18 3 3 3 3 3 15 3 4 3 3 3 16 93 3 4 3 4 3 3 20 3 2 4 2 4 15 4 3 4 3 4 18 94 4 4 4 4 3 4 23 3 3 3 4 4 17 3 4 3 4 3 17 95 4 4 5 4 4 4 25 5 4 4 4 4 21 5 5 4 4 4 22 96 4 4 4 4 4 4 24 3 3 3 3 3 15 4 3 4 4 3 18 97 4 4 4 1 3 1 17 3 3 3 3 3 15 3 3 3 3 3 15 98 5 5 5 5 5 5 30 4 4 3 3 3 17 3 4 3 3 3 16 99 3 3 3 3 3 3 18 3 3 3 3 3 15 4 3 3 3 3 16 100 3 4 4 3 4 4 22 4 4 3 3 4 18 4 3 4 4 3 18
101 5 5 5 5 4 4 28 2 2 2 3 4 13 3 3 3 3 3 15 102 4 5 4 4 5 4 26 3 3 3 3 3 15 3 3 3 3 3 15 103 5 5 5 5 5 5 30 5 5 5 4 5 24 4 5 5 5 4 23 104 5 5 5 5 5 5 30 5 5 5 5 5 25 5 5 5 5 4 24 105 2 3 5 5 4 5 24 3 3 3 5 5 19 3 3 4 4 2 16 106 4 4 4 4 4 4 24 3 3 3 3 3 15 3 3 3 3 2 14 107 5 3 4 5 4 5 26 5 3 3 4 4 19 3 3 3 4 4 17 108 5 5 5 5 5 5 30 5 4 4 4 4 21 3 3 4 3 3 16 109 5 4 5 5 5 5 29 5 5 5 5 5 25 3 4 4 4 3 18 110 5 5 5 5 5 5 30 5 5 5 5 5 25 5 5 5 5 5 25 111 3 4 4 4 4 4 23 4 4 4 4 4 20 4 3 3 3 4 17 112 3 5 4 3 3 4 22 3 3 3 4 3 16 3 3 2 4 3 15 113 3 4 4 3 4 3 21 3 3 3 3 3 15 1 3 3 3 5 15 114 4 4 4 5 5 5 27 4 4 3 4 5 20 3 3 3 2 4 15 115 5 5 5 5 5 5 30 5 5 5 5 5 25 4 5 4 5 4 22 116 4 4 4 5 4 4 25 3 3 3 3 3 15 3 3 3 3 3 15 117 4 5 5 4 4 4 26 3 3 3 3 3 15 3 3 3 3 3 15 118 4 3 4 5 4 3 23 4 2 3 3 4 16 2 2 2 2 3 11 119 5 5 5 3 4 4 26 4 4 4 4 4 20 4 4 4 4 3 19 120 5 5 4 5 3 3 25 4 3 3 4 5 19 5 3 3 3 4 18 121 4 4 4 4 4 4 24 3 3 3 3 3 15 3 3 3 3 3 15 122 4 4 3 4 4 5 24 3 3 3 3 3 15 5 2 2 2 2 13 123 3 4 4 3 4 4 22 3 3 3 3 4 16 3 3 3 3 2 14 124 5 5 5 5 5 5 30 3 3 3 3 3 15 3 3 3 3 3 15 125 5 3 4 4 4 4 24 4 3 3 3 3 16 3 3 3 3 3 15 126 2 3 2 3 5 2 17 2 2 3 3 5 15 1 3 3 3 3 13 127 4 4 5 4 5 4 26 3 5 4 3 4 19 3 3 3 3 4 16 128 4 4 4 4 4 4 24 4 5 4 5 4 22 4 3 3 4 4 18 129 5 5 5 3 5 3 26 5 3 3 5 5 21 3 3 3 3 4 16 130 4 4 5 5 5 4 27 3 3 3 4 4 17 3 4 4 4 4 19 131 4 4 4 4 4 4 24 4 3 3 3 3 16 3 3 3 3 3 15 132 5 4 4 5 4 5 27 4 4 4 4 4 20 3 4 3 3 4 17 133 4 3 3 5 4 3 22 3 3 3 3 4 16 3 3 3 3 4 16 134 4 4 4 4 4 4 24 3 3 3 3 4 16 3 4 4 3 4 18 135 3 2 2 4 3 3 17 3 3 4 3 5 18 2 3 3 3 4 15 136 5 5 5 3 5 3 26 3 3 3 3 5 17 4 5 2 3 5 19 137 4 3 3 4 5 3 22 3 3 3 3 3 15 2 3 3 3 2 13 138 4 4 4 5 4 5 26 4 4 2 4 3 17 3 4 2 3 2 14 139 5 5 5 3 3 3 24 4 3 3 3 3 16 3 3 3 3 1 13 140 4 4 4 2 4 2 20 3 3 3 3 3 15 2 3 2 3 4 14 141 3 5 5 5 5 5 28 2 3 3 1 3 12 3 3 2 2 2 12 142 4 4 3 3 3 5 22 3 3 3 3 4 16 3 3 3 3 3 15 143 4 4 1 5 4 4 22 3 3 3 3 3 15 1 3 3 3 3 13 144 4 5 5 3 4 4 25 5 3 5 4 4 21 4 4 5 5 5 23 145 4 4 3 4 4 4 23 4 3 3 4 4 18 4 4 4 3 3 18 146 4 4 4 3 3 3 21 3 3 3 3 3 15 3 3 2 2 2 12 147 3 3 3 3 3 3 18 3 3 3 3 3 15 3 3 3 3 3 15 148 5 4 4 5 5 4 27 3 3 3 4 4 17 3 3 3 3 3 15 149 4 4 5 5 5 5 28 5 5 5 5 5 25 5 5 5 5 3 23 150 4 4 4 4 4 4 24 4 4 4 4 4 20 4 4 4 4 4 20 151 3 4 4 4 4 4 23 3 3 2 4 4 16 2 2 2 3 2 11
LAMPIRAN 3: HASIL PENGOLAHAN DATA DENGAN SPSS 21 UJI VALIDITAS DAN RELIABLITIAS
PENGETAHUAN RIBA
Reliability Statistics Cronbach's
Alpha
Cronbach's Alpha Based on
Standardized Items
N of Items
.858 .858 6
Correlations
PR1 PR2 PR3 PR4 PR5 PR6 Pengetahuan Riba
PR1
Pearson Correlation 1 .548** .604** .365** .444** .430** .736**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 151 151 151 151 151 151 151
PR2
Pearson Correlation .548** 1 .668** .205* .451** .394** .709**
Sig. (2-tailed) .000 .000 .012 .000 .000 .000
N 151 151 151 151 151 151 151
PR3
Pearson Correlation .604** .668** 1 .430** .601** .582** .847**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 151 151 151 151 151 151 151
PR4
Pearson Correlation .365** .205* .430** 1 .528** .711** .710**
Sig. (2-tailed) .000 .012 .000 .000 .000 .000
N 151 151 151 151 151 151 151
PR5
Pearson Correlation .444** .451** .601** .528** 1 .559** .779**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 151 151 151 151 151 151 151
PR6
Pearson Correlation .430** .394** .582** .711** .559** 1 .806**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 151 151 151 151 151 151 151
Pengetahuan Riba
Pearson Correlation .736** .709** .847** .710** .779** .806** 1
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 151 151 151 151 151 151 151
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Squared Multiple Correlation
Cronbach's Alpha if Item
Deleted
PR1 20.6821 12.205 .611 .423 .841
PR2 20.6954 12.360 .574 .505 .847
PR3 20.5629 11.248 .762 .633 .812
PR4 20.6358 12.246 .570 .557 .848
PR5 20.6159 11.945 .671 .469 .830
PR6 20.6490 11.496 .700 .609 .824
SIKAP KEPADA BANK SYARIAH
Correlations
S1 S2 S3 S4 S5 Sikap
S1
Pearson Correlation 1 .721** .635** .633** .554** .849**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
S2
Pearson Correlation .721** 1 .749** .671** .525** .870**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
S3
Pearson Correlation .635** .749** 1 .648** .569** .852**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
S4
Pearson Correlation .633** .671** .648** 1 .644** .856**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
S5
Pearson Correlation .554** .525** .569** .644** 1 .779**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
Sikap
Pearson Correlation .849** .870** .852** .856** .779** 1
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
**. Correlation is significant at the 0.01 level (2-tailed).
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Squared Multiple Correlation
Cronbach's Alpha if Item
Deleted
S1 14.5099 7.158 .746 .580 .874
S2 14.7815 7.452 .792 .681 .863
S3 14.8013 7.547 .766 .620 .869
S4 14.6556 7.347 .764 .592 .869
S5 14.3113 7.909 .659 .470 .891
INTENSI MENJADI NASABAH BANK SYARIAH
Correlations
I1 I2 I3 I4 I5 Intensi
I1
Pearson Correlation 1 .609** .611** .623** .476** .801**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
I2
Pearson Correlation .609** 1 .708** .718** .520** .839**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
I3
Pearson Correlation .611** .708** 1 .834** .574** .885**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
I4
Pearson Correlation .623** .718** .834** 1 .586** .891**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
I5
Pearson Correlation .476** .520** .574** .586** 1 .767**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
Intensi
Pearson Correlation .801** .839** .885** .891** .767** 1
Sig. (2-tailed) .000 .000 .000 .000 .000
N 151 151 151 151 151 151
**. Correlation is significant at the 0.01 level (2-tailed).
Cronbach's Alpha
Cronbach's Alpha Based on
Standardized Items
N of Items
.896 .897 5
Reliability Statistics Cronbach's
Alpha
Cronbach's Alpha Based on
Standardized Items
N of Items
.887 .893 5
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Squared Multiple Correlation
Cronbach's Alpha if Item
Deleted
I1 13.9603 8.865 .670 .460 .878
I2 13.7550 9.346 .753 .587 .859
I3 13.8079 8.716 .813 .730 .843
I4 13.8344 8.952 .828 .743 .842
I5 13.8609 9.041 .616 .386 .892
LAMPIRAN 4: STATISTIK DESKRIPTIF
Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
PR1 151 1.00 5.00 4.0861 .87132
PR2 151 1.00 5.00 4.0728 .88015
PR3 151 1.00 5.00 4.2053 .90420
PR4 151 1.00 5.00 4.1325 .90683
PR5 151 1.00 5.00 4.1523 .86216
PR6 151 1.00 5.00 4.1192 .91599
S1 151 1.00 5.00 3.7550 .87153
S2 151 2.00 5.00 3.4834 .77334
S3 151 2.00 5.00 3.4636 .77266
S4 151 1.00 5.00 3.6093 .81628
S5 151 3.00 5.00 3.9536 .77750
I1 151 1.00 5.00 3.3444 .96641
I2 151 2.00 5.00 3.5497 .79740
I3 151 1.00 5.00 3.4967 .87082
I4 151 2.00 5.00 3.4702 .81493
I5 151 1.00 5.00 3.4437 .98411
Valid N (listwise) 151
LAMPIRAN 5: UJI ASUMSI KLASIK NORMALITAS
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
N 151
Normal Parametersa,b Mean .0000000
Std. Deviation 2.11017843
Most Extreme Differences
Absolute .085
Positive .043
Negative -.085
Kolmogorov-Smirnov Z 1.042
Asymp. Sig. (2-tailed) .228
Monte Carlo Sig. (2-tailed)
Sig. .217c
99% Confidence Interval Lower Bound .207
Upper Bound .228
a. Test distribution is Normal.
b. Calculated from data.
c. Based on 10000 sampled tables with starting seed 2000000.
MULTIKOLINIERITAS
a. Dependent Variable: Intensi
HETEROSKEDASTISITAS
a. Dependent Variable: AbsUt
Model Collinearity Statistics
Tolerance VIF
(Constant)
1 Pengetahuan Riba .781 1.280
Sikap .781 1.280
Model Unstandardized Coefficients Standardized Coefficients
t Sig.
B Std. Error Beta
1
(Constant) .591 .633 .934 .352
Pengetahuan Riba .031 .026 .112 1.220 .225
Sikap .022 .031 .064 .696 .487
LAMPIRAN 6: UJI REGRESI MODEL 1
Model Summaryb Model R R Square Adjusted R
Square
Std. Error of the Estimate
1 .468a .219 .213 2.99394
a. Predictors: (Constant), Pengetahuan Riba b. Dependent Variable: Sikap
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1
Regression 373.814 1 373.814 41.703 .000b
Residual 1335.590 149 8.964
Total 1709.404 150
a. Dependent Variable: Sikap
b. Predictors: (Constant), Pengetahuan Riba
Coefficientsa
Model Unstandardized
Coefficients
Standardized Coefficients
t Sig. Collinearity Statistics
B Std.
Error
Beta Tolerance VIF
1 (Constant) 8.693 1.502 5.787 .000
Pengetahuan Riba .386 .060 .468 6.458 .000 1.000 1.000
a. Dependent Variable: Sikap
MODEL 2
Model Summaryb Model R R Square Adjusted R
Square
Std. Error of the Estimate
1 .821a .674 .669 2.12439
a. Predictors: (Constant), Sikap, Pengetahuan Riba b. Dependent Variable: Intensi
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1
Regression 1380.059 2 690.029 152.897 .000b
Residual 667.928 148 4.513
Total 2047.987 150
a. Dependent Variable: Intensi
b. Predictors: (Constant), Sikap, Pengetahuan Riba
Coefficientsa
Model Unstandardized
Coefficients
Standardized Coefficients
t Sig. Collinearity Statistics
B Std. Error Beta Tolerance VIF
1
(Constant) -.809 1.180 -.686 .494
Pengetahuan Riba .132 .048 .146 2.750 .007 .781 1.280
Sikap .813 .058 .742 13.979 .000 .781 1.280
a. Dependent Variable: Intensi
LAMPIRAN 7: UJI SOBEL
******************************************************************
*******
Preacher And Hayes (2004) SPSS Script For Simple Mediation Written by Andrew F. Hayes, The Ohio State University http://www.comm.ohio-state.edu/ahayes/
VARIABLES In SIMPLE MEDIATION MODEL Y Y
X X M M
DESCRIPTIVES STATISTICS And PEARSON CORRELATIONS Mean SD Y X M Y 17.3046 3.6950 1.0000 .4932 .8107 X 24.7682 4.0848 .4932 1.0000 .4676 M 18.2649 3.3758 .8107 .4676 1.0000
SAMPLE SIZE 151
DIRECT And TOTAL EFFECTS
Coeff s.e. t Sig(two) b(YX) .4461 .0645 6.9208 .0000 b(MX) .3865 .0598 6.4578 .0000 b(YM.X) .8126 .0581 13.9787 .0000 b(YX.M) .1321 .0480 2.7502 .0067
INDIRECT EFFECT And SIGNIFICANCE USING NORMAL DISTRIBUTION
Value s.e. LL 95 CI UL 95 CI Z Sig(two) Effect .3140 .0537 .2088 .4192 5.8501 .0000
BOOTSTRAP RESULTS For INDIRECT EFFECT
Data Mean s.e. LL 95 CI UL 95 CI LL 99 CI UL 99 CI
Effect .3140 .3191 .0691 .1981 .4609 .1582 .5271
NUMBER OF BOOTSTRAP RESAMPLES 1000
********************************* NOTES
**********************************
--- END MATRIX ---
latarbelakang biru
DATA PRIBADI
Nama Lengkap : Rizky Dwiputra Jenis Kelamin : Laki-laki Kewarganegaraan : Indonesia
Tempat, Tanggal lahir : Jakarta, 12 Mei 1996 Agama : Islam
Alamat : Jl. Sampit IV No. 6 Kebayoran Baru, Jakarta Selatan Nomer telepon/handphone : 082122758425
Email : [email protected]
RIWAYAT PENDIDIKAN Pendidikan Formal
2002 – 2008 : SD Islam Al-Azhar 17 Bintaro
2008 – 2011 : SMP Islam Al-Azhar 3 Bintaro
2011 – 2014 : SMA Islam Al-Azhar 1 Jakarta
2014 – 2018 : STIE Indonesia Banking School
Pendidikan Non-formal
2014 : Kesamaptaan, RINDAM JAYA
2014 : The British Institute
2017 : Bank Risk Management 1, Lembaga Sertifikasi
Profesi Perbankan
2018 : General Banking 1, Lembaga Sertifikasi Profesi
Perbankan