BAB V KESIMPULAN DAN SARAN
5.2 Saran
Penelitian ini masih memiliki kekurangan sehingga masih memerlukan penyempurnaan untuk penelitian di masa yang akan datang. Oleh karena itu, beberapa saran yang mungkin dapat diberikan untuk perbankan khususnya Bank Mandiri, Bank BCA serta Bank BRI dan untuk penelitian selanjutnya, yaitu sebagai berikut.
1. Bank diharapkan dapat memberikan layanan yang memudahkan nasabah untuk melakukan transaksi dimanapun dan kapanpun secara cepat, tepat dan nyaman. Serta bank diharapkan mampu memberikan keuntungan secara nyata untuk produk mobile banking.
2. Bank harus mampu memberikan tarif layanan yang lebih kompetitif, sehingga bisa disesuaikan dengan tingkat keuangan dan kebutuhan nasabah.
3. Bank juga harus selalu menjaga privasi dan keamanan nasabah, agar nasabah memberikan kepercayaan lebih kepada bank.
4. Untuk penelitian selanjutnya, dapat mengganti objek produk layanan yang mungkin nantinya akan semaking berkembang tidak hanya terhenti di produk e-banking. Serta mengganti atau menambah objek perusahaan perbankan, dan menambah variabel- variabel penelitian yang ada. Sehingga akan memperkaya penelitian dan diharapkan menghasilkan penelitian yang lebih mendalam dan bermanfaat.
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www.bankmandiri.co.id
LAMPIRAN
Lampiran 1 Kuisioner Penelitian
Lampiran 2 Hasil Uji Validitas dan Relibilitas Pre-Test
1. Perceived Relative Advantage Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .736
Bartlett's Test of Sphericity
Approx. Chi-Square 72.095
df 6
Sig. .000
Anti-image Matrices
PRA1 PRA2 PRA3 PRA4
Anti-image Covariance
PRA1 .121 -.092 -.006 .006
PRA2 -.092 .099 -.075 -.049
PRA3 -.006 -.075 .364 .014
PRA4 .006 -.049 .014 .832
Anti-image Correlation
PRA1 .692a -.839 -.029 .020
PRA2 -.839 .654a -.396 -.169
PRA3 -.029 -.396 .891a .026
PRA4 .020 -.169 .026 .932a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PRA1 1.000 .887
PRA2 1.000 .925
PRA3 1.000 .769
PRA4 1.000 .296
Extraction Method: Principal Component Analysis.
Lanjutan
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.876 71.903 71.903 2.876 71.903 71.903
2 .789 19.734 91.637
3 .276 6.893 98.530
4 .059 1.470 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PRA1 .942
PRA2 .962
PRA3 .877
PRA4 .544
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Lanjutan
Reliability Statistics Cronbach's
Alpha
N of Items
.862 4
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PRA1 15.80 10.250 .857 .762
PRA2 15.76 9.690 .898 .740
PRA3 16.16 9.473 .748 .813
PRA4 17.20 14.500 .386 .930
2. Perceived Ease of Use Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .772
Bartlett's Test of Sphericity
Approx. Chi-Square 88.195
df 6
Sig. .000
Anti-image Matrices
PEOU1 PEOU2 PEOU3 PEOU4
Anti-image Covariance
PEOU1 .354 -.029 .015 -.068
PEOU2 -.029 .235 .043 -.089
PEOU3 .015 .043 .200 -.097
PEOU4 -.068 -.089 -.097 .089
Anti-image Correlation
PEOU1 .911a -.099 .058 -.383
PEOU2 -.099 .810a .198 -.612
PEOU3 .058 .198 .760a -.723
PEOU4 -.383 -.612 -.723 .676a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PEOU1 1.000 .767
PEOU2 1.000 .823
PEOU3 1.000 .816
PEOU4 1.000 .947
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 3.354 83.848 83.848 3.354 83.848 83.848
2 .322 8.051 91.899
3 .262 6.544 98.443
4 .062 1.557 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PEOU1 .876
PEOU2 .907
PEOU3 .903
PEOU4 .973
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.933 4
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PEOU1 16.72 13.793 .783 .931
PEOU2 16.72 13.877 .830 .917
PEOU3 16.76 12.690 .824 .921
PEOU4 16.52 13.177 .948 .880
3. Perceived Compatibility Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .731
Bartlett's Test of Sphericity
Approx. Chi-Square 33.343
df 3
Sig. .000
Anti-image Matrices
PCB1 PCB2 PCB3
Anti-image Covariance
PCB1 .464 -.193 -.121
PCB2 -.193 .377 -.203
PCB3 -.121 -.203 .445
Anti-image Correlation
PCB1 .763a -.461 -.266
PCB2 -.461 .691a -.495
PCB3 -.266 -.495 .747a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PCB1 1.000 .769
PCB2 1.000 .831
PCB3 1.000 .781
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.381 79.359 79.359 2.381 79.359 79.359
2 .360 11.998 91.357
3 .259 8.643 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PCB1 .877
PCB2 .911
PCB3 .884
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.869 3
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PCB1 9.88 6.110 .727 .838
PCB2 10.20 5.083 .789 .779
PCB3 9.84 5.557 .740 .824
4. Perceived Competence Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .756
Bartlett's Test of Sphericity
Approx. Chi-Square 81.752
df 3
Sig. .000
Anti-image Matrices
PCT1 PCT2 PCT3
Anti-image Covariance
PCT1 .163 -.076 -.025
PCT2 -.076 .099 -.078
PCT3 -.025 -.078 .149
Anti-image Correlation
PCT1 .807a -.593 -.158
PCT2 -.593 .689a -.638
PCT3 -.158 -.638 .787a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PCT1 1.000 .918
PCT2 1.000 .956
PCT3 1.000 .924
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.799 93.287 93.287 2.799 93.287 93.287
2 .135 4.511 97.798
3 .066 2.202 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PCT1 .958
PCT2 .978
PCT3 .961
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.964 3
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PCT1 9.36 5.323 .907 .958
PCT2 9.44 4.923 .949 .928
PCT3 9.60 5.250 .913 .954
5. Perceived Benevolence Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .666
Bartlett's Test of Sphericity
Approx. Chi-Square 51.965
df 3
Sig. .000
Anti-image Matrices
PB1 PB2 PB3
Anti-image Covariance
PB1 .227 -.151 .020
PB2 -.151 .165 -.138
PB3 .020 -.138 .421
Anti-image Correlation
PB1 .660a -.780 .064
PB2 -.780 .604a -.524
PB3 .064 -.524 .782a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PB1 1.000 .849
PB2 1.000 .925
PB3 1.000 .755
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.528 84.275 84.275 2.528 84.275 84.275
2 .369 12.297 96.572
3 .103 3.428 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PB1 .921
PB2 .962
PB3 .869
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.904 3
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PB1 9.68 6.227 .809 .862
PB2 9.76 6.023 .901 .786
PB3 10.64 6.323 .725 .935
6. Perceived Integrity Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .780
Bartlett's Test of Sphericity
Approx. Chi-Square 83.995
df 3
Sig. .000
Anti-image Matrices
PI1 PI2 PI3
Anti-image Covariance
PI1 .118 -.059 -.072
PI2 -.059 .155 -.054
PI3 -.072 -.054 .123
Anti-image Correlation
PI1 .754a -.434 -.597
PI2 -.434 .826a -.391
PI3 -.597 -.391 .766a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
PI1 1.000 .946
PI2 1.000 .929
PI3 1.000 .943
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.818 93.940 93.940 2.818 93.940 93.940
2 .106 3.546 97.486
3 .075 2.514 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
PI1 .973
PI2 .964
PI3 .971
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.966 3
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
PI1 10.00 7.583 .938 .946
PI2 9.84 6.807 .919 .960
PI3 9.76 7.190 .934 .946
7. Attitude Toward Using Mobile Banking Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .711
Bartlett's Test of Sphericity
Approx. Chi-Square 88.948
df 3
Sig. .000
Anti-image Matrices
AT1 AT2 AT3
Anti-image Covariance
AT1 .060 -.058 -.055
AT2 -.058 .076 .004
AT3 -.055 .004 .237
Anti-image Correlation
AT1 .636a -.865 -.466
AT2 -.865 .684a .033
AT3 -.466 .033 .870a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
AT1 1.000 .965
AT2 1.000 .939
AT3 1.000 .876
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 2.780 92.681 92.681 2.780 92.681 92.681
2 .184 6.142 98.823
3 .035 1.177 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
AT1 .982
AT2 .969
AT3 .936
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.960 3
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
AT1 10.84 7.140 .960 .907
AT2 10.84 7.140 .931 .930
AT3 11.04 8.373 .862 .980
8. Behavioral Intention Toward Using Mobile Banking Factor Analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .857
Bartlett's Test of Sphericity
Approx. Chi-Square 130.826
df 6
Sig. .000
Anti-image Matrices
BI1 BI2 BI3 BI4
Anti-image Covariance
BI1 .076 -.027 -.049 -.005
BI2 -.027 .103 -.028 -.057
BI3 -.049 -.028 .071 -.019
BI4 -.005 -.057 -.019 .246
Anti-image Correlation
BI1 .819a -.311 -.667 -.036
BI2 -.311 .883a -.323 -.356
BI3 -.667 -.323 .814a -.144
BI4 -.036 -.356 -.144 .935a
a. Measures of Sampling Adequacy(MSA)
Communalities
Initial Extraction
BI1 1.000 .940
BI2 1.000 .941
BI3 1.000 .948
BI4 1.000 .847
Extraction Method: Principal Component Analysis.
Total Variance Explained
Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative %
1 3.676 91.904 91.904 3.676 91.904 91.904
2 .204 5.097 97.001
3 .076 1.906 98.907
4 .044 1.093 100.000
Extraction Method: Principal Component Analysis.
Component Matrixa
Component 1
BI1 .970
BI2 .970
BI3 .974
BI4 .920
Extraction Method:
Principal Component Analysis.
a. 1 components extracted.
Reliability
Scale: ALL VARIABLES
Case Processing Summary
N %
Cases
Valid 25 100.0
Excludeda 0 .0
Total 25 100.0
a. Listwise deletion based on all variables in the procedure.
Reliability Statistics Cronbach's
Alpha
N of Items
.969 4
Item-Total Statistics Scale Mean if
Item Deleted
Scale Variance if Item Deleted
Corrected Item- Total Correlation
Cronbach's Alpha if Item
Deleted
BI1 17.00 15.000 .942 .953
BI2 17.08 15.577 .945 .954
BI3 17.08 14.577 .949 .950
BI4 17.36 14.657 .863 .978
Lampiran 2: Path Diagram Measurement Model Fit
Lampiran 3: Path Diagram Overall Fit
Lampiran 4: Assesment of Normality
Variable min max skew c.r. kurtosis c.r.
AT1 1.000 7.000 -1.288 -6.816 1.721 4.553 AT2 1.000 7.000 -1.349 -7.137 1.789 4.732 AT3 1.000 7.000 -1.116 -5.905 1.483 3.924 BI4 1.000 7.000 -.905 -4.786 .280 .742 BI3 1.000 7.000 -1.082 -5.727 .760 2.011 BI2 1.000 7.000 -1.074 -5.682 .932 2.465 BI1 1.000 7.000 -1.153 -6.099 1.037 2.743 PI1 1.000 7.000 -.533 -2.819 -.220 -.581 PI2 1.000 7.000 -.634 -3.353 .006 .015 PI3 1.000 7.000 -.598 -3.165 .273 .721 PB1 1.000 7.000 -1.012 -5.356 .633 1.675 PB2 1.000 7.000 -.780 -4.127 .416 1.100 PB3 1.000 7.000 -.385 -2.037 -.124 -.328 PCT1 1.000 7.000 -.592 -3.135 -.025 -.067 PCT2 1.000 7.000 -.515 -2.725 -.253 -.670 PCT3 1.000 7.000 -.524 -2.772 -.122 -.322 PCB1 1.000 7.000 -.747 -3.955 .012 .031 PCB2 1.000 7.000 -.597 -3.158 -.117 -.310 PCB3 1.000 7.000 -.619 -3.275 -.133 -.353 PEOU1 1.000 7.000 -1.025 -5.423 .776 2.053 PEOU2 1.000 7.000 -.947 -5.011 .608 1.609 PEOU3 1.000 7.000 -.873 -4.618 .341 .903 PEOU4 1.000 7.000 -.956 -5.061 .545 1.442 PRA1 1.000 7.000 -1.115 -5.898 .999 2.642 PRA2 1.000 7.000 -1.196 -6.331 1.145 3.030 PRA3 1.000 7.000 -.975 -5.161 .695 1.839 PRA4 1.000 7.000 -.315 -1.665 -.444 -1.174
Multivariate 309.418 50.673
Lampiran 5: Standardized Regression Weight
Estimate PRA4 <--- PRA .660 PRA3 <--- PRA .831 PRA2 <--- PRA .937 PRA1 <--- PRA .909 PEOU4 <--- PEOU .864 PEOU3 <--- PEOU .710 PEOU2 <--- PEOU .891 PEOU1 <--- PEOU .842 PCB3 <--- PCB .904 PCB2 <--- PCB .809 PCB1 <--- PCB .889 PCT3 <--- PCT .945 PCT2 <--- PCT .950 PCT1 <--- PCT .907 PB3 <--- PB .764 PB2 <--- PB .914 PB1 <--- PB .856 PI3 <--- PI .822 PI2 <--- PI .956 PI1 <--- PI .869 BI1 <--- BI .920 BI2 <--- BI .980 BI3 <--- BI .960 BI4 <--- BI .922 AT3 <--- AT .890 AT2 <--- AT .891 AT1 <--- AT .963
Lampiran 6: Hasil Perhitungan Construct Reliability dan Variance Extracted
Variabel
Laten Indikator Factor
Loading Uji Validitas Uji Reliabilitas AVE Kesimpulan CR Kesimpulan Perceived
Relative Advantage
PRA1 0.909
0.708 Valid 0.905 Reliabel
PRA2 0.937
PRA3 0.831
PRA4 0.660
Perceived Ease of Use
PEOU1 0.842
0.688 Valid 0.898 Reliabel
PEOU2 0.891
PEOU3 0.710
PEOU4 0.864
Perceived Compatibility
PCB1 0.889
0.754 Valid 0.902 Reliabel
PCB2 0.809
PCB3 0.904
Perceived Competence
PCT1 0.907
0.873 Valid 0.954 Reliabel
PCT2 0.950
PCT3 0.945
Perceived Benevolence
PB1 0.856
0.717 Valid 0.884 Reliabel
PB2 0.914
PB3 0.764
Perceived Integrity
PI1 0.869
0.782 Valid 0.914 Reliabel
PI2 0.956
PI3 0.822
Attitude AT1 0.963
0.838 Valid 0.939 Reliabel
AT2 0.891
AT3 0.890
Behavioral Intention
BI1 0.920
0.895 Valid 0.971 Reliabel
BI2 0.980
BI3 0.960
BI4 0.922
Lampiran 7: Model Fit Summary (Overall Model Fit)
CMIN
Model NPAR CMIN DF P CMIN/DF
Default model 62 1489.713 316 .000 4.714
Saturated model 378 .000 0
Independence model 27 5776.710 351 .000 16.458
RMR, GFI
Model RMR GFI AGFI PGFI
Default model .898 .589 .508 .492 Saturated model .000 1.000
Independence model 1.087 .089 .019 .082
Baseline Comparisons
Model NFI
Delta1 RFI
rho1 IFI
Delta2 TLI
rho2 CFI Default model .742 .714 .785 .760 .784
Saturated model 1.000 1.000 1.000
Independence model .000 .000 .000 .000 .000
Parsimony-Adjusted Measures
Model PRATIO PNFI PCFI
Default model .900 .668 .706 Saturated model .000 .000 .000 Independence model 1.000 .000 .000
NCP
Model NCP LO 90 HI 90
Default model 1173.713 1057.377 1297.554
Saturated model .000 .000 .000
Independence model 5425.710 5182.723 5675.111
FMIN
Model FMIN F0 LO 90 HI 90
Default model 8.920 7.028 6.332 7.770
Model FMIN F0 LO 90 HI 90 Saturated model .000 .000 .000 .000 Independence model 34.591 32.489 31.034 33.983
RMSEA
Model RMSEA LO 90 HI 90 PCLOSE
Default model .149 .142 .157 .000
Independence model .304 .297 .311 .000
AIC
Model AIC BCC BIC CAIC
Default model 1613.713 1638.691 1807.399 1869.399 Saturated model 756.000 908.288 1936.858 2314.858 Independence model 5830.710 5841.588 5915.057 5942.057
ECVI
Model ECVI LO 90 HI 90 MECVI
Default model 9.663 8.966 10.405 9.813 Saturated model 4.527 4.527 4.527 5.439 Independence model 34.914 33.459 36.408 34.980
HOELTER
Model HOELTER
.05 HOELTER
Default model 41 .01 43
Independence model 12 13
Lampiran 8: Regression Weight
Estimate S.E. C.R. P Label AT <--- PRA .280 .067 4.208 ***
AT <--- PEOU .436 .058 7.554 ***
AT <--- PCB .270 .049 5.569 ***
AT <--- PCT -.071 .078 -.907 .364 AT <--- PB -.026 .083 -.308 .758 AT <--- PI .260 .049 5.356 ***
BI <--- AT .940 .095 9.864 ***
PRA4 <--- PRA 1.000
PRA3 <--- PRA 1.212 .138 8.774 ***
PRA2 <--- PRA 1.303 .135 9.668 ***
PRA1 <--- PRA 1.247 .132 9.480 ***
PEOU4 <--- PEOU 1.000
PEOU3 <--- PEOU .946 .092 10.305 ***
PEOU2 <--- PEOU 1.013 .068 14.832 ***
PEOU1 <--- PEOU .966 .069 13.998 ***
PCB3 <--- PCB 1.000
PCB2 <--- PCB .987 .075 13.116 ***
PCB1 <--- PCB 1.091 .071 15.262 ***
PCT1 <--- PCT 1.000
PCT2 <--- PCT 1.071 .050 21.392 ***
PCT3 <--- PCT 1.008 .047 21.456 ***
PB1 <--- PB 1.000
PB2 <--- PB 1.110 .063 17.597 ***
PB3 <--- PB .971 .086 11.292 ***
PI1 <--- PI 1.000
PI2 <--- PI 1.078 .063 17.121 ***
PI3 <--- PI .874 .066 13.304 ***
AT1 <--- AT 1.000
AT2 <--- AT .957 .069 13.922 ***
AT3 <--- AT 1.006 .089 11.312 ***
BI4 <--- BI 1.000
BI3 <--- BI 1.004 .051 19.532 ***
BI2 <--- BI .986 .046 21.214 ***
BI1 <--- BI .980 .058 16.867 ***
DAFTAR RIWAYAT HIDUP
Nama : Adinda Endah Permatasari
Alamat : Jl Umar Ling X No 86, Medan/Jl Kemang Barat No 7G, Jakarta Selatan Nomor Hp : 085761243528/082114046516
Email : [email protected] [email protected] Line & Twitter : dinda/dinda1004
DATA PRIBADI
Tempat, Tanggal Lahir : Medan, 30 November 1992 Kewarganegaraan : Indonesia
Status Perkawinan : Belum Menikah
Agama : Islam
Kegemaran : Membaca buku, mendengarkan musik, travelling
No. Identitas :
IPK : 3,08
PENDIDIKAN FORMAL
TK Pertiwi Medan : 1996-1998
SD Pertiwi Medan : 1998-2004
SMP Muhammadiyah 2 Yogyakarta : 2004-2007 SMA Negeri 27 Jakarta : 2007-2008 SMA Negeri 3 Medan : 2008-2010 STIE Indonesia Banking School : 2010-2014
PENDIDIKAN NON FORMAL
Kursus Bahasa Inggris ELTI Tahun 2005-2007
Kursus Bahasa Inggris George Mansion University Tahun 2010-2013 Bimbingan Belajar Ganesha Operation Tahun 2009-2010
Pelatihan Service ExcellentTahun 2011 Pelatihan Customer Service Tahun 2011 Pelatihan Credit Analysis Tahun 2013 Pelatihan Basic Treasury Tahun 2014