Gozali,I., Fuad., Structural Equation Modelling. Teori Konsep dan Aplikasi, Badan Penerbit UNDIP, Semarang, Hall, D., Jones, R., Raffo, C

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127

LAMPIRAN A KUESIONER PENELITIAN

128

LAMPIRAN A KUESIONER PENELITIAN SURVEI PENERIMAAN TEKNOLOGI SMS BANKING PADA NASABAH PERBANKAN Dari kasil kuesioner ini, saya harapkan mendapat informasi mengenai SMS Banking dapat melayani anda lebih baik dan dapat memenuhi keinginan anda. Saya mohon Bapak/Ibu/Saudara untuk meluangkan waktu guna mengisi kuesioner ini. Informasi yang anda berikan benar dan lengkap. Hal ini akan sangat membantu untuk kepentingan akademik. Apakah yang dimaksud dengan SMS Banking? Salah satu produk layanan perbankan yang menyediakan bermacam-macam transaksi keuangan melalui ponsel anda, dengan perintah menggunakan SMS. Adapun layanan yang tersedia pada SMS Banking adalah transfer tunai, pembayaran bermacam-macam tagihan, pengisian pulsa, informasi saldo rekening, dan berbagai macam layanan via ponsel.

BAGIAN I Setiap pertanyaan, diberikan tanda pada kotak yang disediakan

“” atau mengisi detail pada bagian

1. Dalam sehari berapa kali anda menggunakan SMS (Hanya mengirimkan SMS)? <3

4

5

6

7

8

______

6

______

2. Berapa bank dimana anda menjadi nasabahnya? 1

2

3

4

5

3. Urutkan layanan perbankan yang sering anda gunakan (urutkan dari yang paling sering digunakan dengan angka 1) ___ Kantor Cabang ___ Anjungan Tunai Mandiri (ATM) ___ Phone Banking ___ Internet Banking menggunakan PC, akses menggunakan laptop, mobile phone (SIM Tool Kit/WAP) ___ SMS Banking melalui telepon selular 4. Seberapa sering anda menggunakan fasilitas perbankan yang telah anda urutkan tadi diatas dalam kurun waktu sebulan? ≤1

1-3

4-6

7-9

10-12

13-15

≥15

5. Pernahkah anda mendengar mengenai layanan SMS Banking sebelumnya? Ya Tidak (Langsung menjawab pertanyaan no. 11) 6. Dari mana sumber anda mengetahui mengenai SMS Banking? (Anda boleh memilih lebih dari satu jawaban)

129

Brosur / Iklan Bank Surat Kabar / Majalah Televisi /Radio Dari orang lain Buku SMS/SMS lain-lain, mohon disebutkan: ______________________________________ 7. Apakah anda mengetahui bank apa saja yang memiliki produk SMS Banking? Ya (sebutkan dua bank tsb) _______________________________________ Tidak 8. Apakah anda memiliki pengalaman menggunakan SMS Banking (sudah terdaftar menggunakan SMS Banking dan sudah pernah melakukan transaksi menggunakan SMS Banking minimal 1 kali) Ya (sebutkan nama bank tsb) ______________________________________ Tidak 9. Apakah adanya teknologi SMS Banking akan menjadi syarat anda saat membuka rekening baru? Ya Tidak 10. Seberapa sering anda menggunakan SMS Banking dalam seminggu? ≤1

1-3

4-6

7-9

10-12

13-15

≥16

/(Langsung menuju pertanyaan bagian II) 11. Beri tanda dibawah ini kenapa anda tidak menggunakan SMS Banking Tidak percaya pada keamanan SMS Banking Tidak memerlukan Layanan SMS Banking Tidak dapat menghubungi pihak Bank apabila terjadi masalah Respon SMS Banking dinilai lambat Tidak mau membayar fee SMS Banking Tidak merasa nyaman menggunakan SMS Banking pada jam kuliah atau pada saat dikampus Tidak memiliki pengetahuan dan peralatan yang memadai Tidak membutuhkan Lain-lain, mohon sebutkan___________________________________________ BAGIAN II 1. Untuk pertanyaan dibawah ini, pilih angka yang menggambarkan persepsi anda mengenai SMS Banking.

130

__1__

__2__

Sangat tidak setuju sekali

Sangat tidak setuju

__3__

__4__

Tidak setuju

Netral

__5__

__6__

__7__

Setuju

Sangat setuju

Sangat setuju sekali

A.

Menggunakan SMS Banking akan memberikan status lebih tinggi bagi ______ penggunanya.

B.

Pengguna SMS Banking akan lebih bergengsi dibandingkan orang lain ______ yang belum menggunakan.

C.

Pengguna SMS Banking akan lebih mengikuti trend dibandingkan orang ______ lain yang belum menggunakan.. ______ Penggunaan teknologi SMS Banking mudah dipahami dan dimengerti.

D. E.

SMS Banking sangat mudah digunakan tanpa memerlukan effort yang ______ lebih.

F.

Responden percaya dengan menggunakan SMS Banking akan dapat ______ melakukan transaksi apapun. ______ Tidak banyak usaha yang dilakukan dalam menggunakan SMS Banking.

G. H.

Responden tidak merasa yakin akan aspek keamanan dari layanan SMS ______ Banking.

I.

Responden percaya informasi transaksi menggunakan SMS Banking ______ tidak akan mudah diketahui oleh orang lain

J.

Responden percaya bahwa informasi transaksi SMS Banking tidak ______ mudah disalahgunakan oleh orang lain.

K.

SMS Banking membantu dalam menghemat waktu dalam mengatur ______ keuangan penggunanya.

L.

SMS Banking memiliki kelebihan dalam mengatur finansial responden ______ karena dapat dilakukan kapan saja dan dimana saja dengan menggunakan ponsel.

M.

SMS Banking merupakan salah satu cara telekomunikasi yang lebih ______ mudah, murah dan merupakan pilihan yang tepat untuk mengatur keuangan anda.

N.

SMS Banking penggunanya.

O.

SMS Banking dapat mengatur keuangan anda lebih efisien.

P.

SMS Banking merupakan cara yang tepat untuk mengatur keuangan ______ anda.

Q.

Anda tidak mengalami kesulitan dalam penggunaan SMS Banking untuk orang lain.

R.

Anda yakin bisa memberikan penjelasan kepada orang lain mengenai ______ kelebihan dan kekurangan SMS Banking.

memberikan

kontrol

penuh

terhadap

memberikan

keuangan ______ ______

petunjuk ______

131

S.

Menggunakan SMS Banking memberikan hasil yang lebih baik ______ dibandingkan menggunakan new e-channel lainnya (Phone Banking, Internet Banking)..

T.

Teman, akan berpengaruh pada keputusan anda mengunakan fasilitas ______ teknologi SMS Banking.

U.

Kerabat/saudara serta rekan kerja akan mempengaruhi responden dalam ______ pengambilan keputusan untuk menggunakan SMS Banking.

V.

Ketersediaan fasilitas penunjang teknologi SMS Banking (teknologi ______ mobile phone). akan mempengaruhi responden dalam pengambilan keputusan untuk menggunakan SMS Banking

2. Untuk pertanyaan dibawah ini, pilih angka yang menggambarkan persepsi anda mengenai SMS Banking __1__

__2__

Sangat tidak suka sekali

Sangat tidak suka

__3__

__4__

Tidak suka

__5__

__6__

__7__

Suka

Sangat suka

Sangat suka sekali

Netral

Apabila bank anda menyediakan layanan SMS Banking, anda akan: A.

Mendaftar untuk bisa mendapatkan layanan SMS Banking dalam waktu 6 bulan kedepan.. ______

B.

Menggunakan layanan SMS Banking secara reguler dalam waktu 6 bulan kedepan.

C.

menggunakan fasilitas finansial perbankan melalui new e-channel lainnya (Internet banking) dalam waktu 6 bulan kedepan.kedepan. ______ BAGIAN III

1. Jenis kelamin anda: Pria

Wanita

2. Usia anda: ≤17

18-20

21-23

24-26

27-29

30-35

≥36

3. Sekarang anda sedang studi untuk mendapatkan gelar: S1

S2

S3

Gelar profesional lainnya, mohon sebutkan: ______________________________ 4. Masa kuliah (Tahun ke-...): 1

2

3

4

5

_______________

5. Penghasilan anda rata-rata per bulan: ≤500rb

500rb-1jt

1,1jt-1,5jt

1,6jt-2jt

2,1jt-2,5jt ≥2,6jt

132

______

LAMPIRAN B DATA MENTAH RESPONDEN

133

LAMPIRAN B DATA MENTAH RESPONDEN Responden 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33

im1 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5 4 7 1 5

im2 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5 5 7 1 5

im3 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6 4 6 2 6

peou1 peou2 peou3 peou4 7 6 7 7 6 5 6 6 7 6 6 6 5 6 5 6 5 5 5 5 6 6 5 6 6 5 4 5 7 6 6 6 7 5 6 6 4 5 5 4 6 4 3 6 5 4 6 5 6 6 6 6 7 5 7 5 5 7 5 6 5 5 5 6 6 5 6 7 6 5 5 6 6 5 6 6 5 6 4 5 7 6 5 3 6 5 6 6 7 6 4 4 3 6 6 5 5 5 5 6 6 6 7 7 6 5 6 5 7 6 4 4 7 5 5 5 2 1 4 4 7 6 7 7 6 5 6 6 7 6 6 6

peou5 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5 2 6 5 6

prisk1 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5 2 6 4 4

prisk2 prisk3 pu1 pu2 pu3 6 6 6 6 6 2 5 5 4 4 4 4 6 6 6 6 6 4 4 2 5 5 5 3 4 4 5 5 4 5 5 5 5 5 5 5 3 5 5 6 7 6 7 6 6 5 5 5 6 4 7 5 5 4 5 4 4 4 4 4 6 6 6 7 6 3 3 5 6 5 1 1 4 5 6 4 4 5 4 4 4 4 5 5 4 4 5 5 6 5 5 6 6 5 7 5 5 5 5 5 3 1 5 6 7 6 6 5 6 6 7 7 6 4 7 5 5 5 6 7 5 6 6 5 5 5 5 7 6 6 2 2 5 5 5 6 5 4 5 3 4 4 5 5 5 2 2 2 1 1 6 6 6 6 6 2 5 5 4 4 4 4 6 6 6

134

rd1 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6 6 6 5 6

rd2 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6 4 6 7 6

rd3 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5 4 6 5 6

snorm1 snorm2 snorm3 5 5 6 2 2 3 5 6 5 1 1 2 5 5 4 7 3 4 1 1 2 1 1 1 1 1 1 3 3 4 7 5 6 5 4 5 6 6 5 6 6 5 5 3 4 6 5 6 6 6 5 5 4 6 5 4 4 5 4 6 4 5 6 6 6 5 7 4 6 6 6 5 3 2 4 6 6 5 6 7 5 4 4 4 4 4 5 2 2 1 5 5 6 2 2 3 5 6 5

intent1 intent2 intent3 6 6 6 3 3 3 6 6 5 3 3 2 5 5 4 5 6 5 5 5 6 5 6 6 5 5 4 6 5 5 5 6 5 5 4 4 6 6 6 6 7 7 5 5 5 4 5 3 1 2 2 5 6 6 6 6 5 5 5 4 3 2 3 6 6 6 6 6 6 5 5 6 5 6 5 7 6 7 6 7 6 4 3 4 4 5 4 2 2 2 6 6 6 3 3 3 6 6 5

Responden 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72

im1 2 5 4 5 4 4 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5 4 6 3 4

im2 1 5 4 5 3 4 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5 5 2 3 4

im3 3 6 5 5 4 4 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6 4 5 4 5

peou1 peou2 peou3 peou4 5 6 5 6 5 5 5 5 6 6 5 6 6 5 4 5 7 6 6 6 7 5 6 6 7 6 7 7 6 5 6 6 7 6 6 6 5 6 5 6 5 5 5 5 6 6 5 6 6 5 4 5 7 6 6 6 7 5 6 6 4 5 5 4 6 4 3 6 5 4 6 5 6 6 6 6 7 5 7 5 5 7 5 6 5 5 5 6 6 5 6 7 6 5 5 6 6 5 6 6 5 6 4 5 7 6 5 3 6 5 6 6 7 6 4 4 3 6 6 5 5 5 5 6 6 6 7 7 6 5 6 5 7 6 4 4 7 5 5 5 2 1 4 4 4 5 5 4 6 4 3 6 5 4 6 5

peou5 7 5 5 5 6 6 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5 2 5 5 4

prisk1 6 5 6 4 5 6 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5 2 6 6 5

prisk2 prisk3 pu1 pu2 pu3 6 6 4 4 2 5 5 5 3 4 4 5 5 4 5 5 5 5 5 5 5 3 5 5 6 7 6 7 6 6 6 6 6 6 6 2 5 5 4 4 4 4 6 6 6 6 6 4 4 2 5 5 5 3 4 4 5 5 4 5 5 5 5 5 5 5 3 5 5 6 7 6 7 6 6 5 5 5 6 4 7 5 5 4 5 4 4 4 4 4 6 6 6 7 6 3 3 5 6 5 1 1 4 5 6 4 4 5 4 4 4 4 5 5 4 4 5 5 6 5 5 6 6 5 7 5 5 5 5 5 3 1 5 6 7 6 6 5 6 6 7 7 6 4 7 5 5 5 6 7 5 6 6 5 5 5 5 7 6 6 2 2 5 5 5 6 5 4 5 3 4 4 5 5 5 2 2 2 1 1 5 5 5 6 4 7 5 5 4 5 4 4 4 4 4

135

rd1 4 5 6 3 4 4 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6 6 4 7 4

rd2 5 5 5 4 4 4 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6 4 3 6 5

rd3 4 5 6 4 5 5 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5 4 4 4 5

snorm1 snorm2 snorm3 1 1 2 5 5 4 7 3 4 1 1 2 1 1 1 1 1 1 5 5 6 2 2 3 5 6 5 1 1 2 5 5 4 7 3 4 1 1 2 1 1 1 1 1 1 3 3 4 7 5 6 5 4 5 6 6 5 6 6 5 5 3 4 6 5 6 6 6 5 5 4 6 5 4 4 5 4 6 4 5 6 6 6 5 7 4 6 6 6 5 3 2 4 6 6 5 6 7 5 4 4 4 4 4 5 2 2 1 3 3 4 7 5 6 5 4 5

intent1 intent2 intent3 3 3 2 5 5 4 5 6 5 5 5 6 5 6 6 5 5 4 6 6 6 3 3 3 6 6 5 3 3 2 5 5 4 5 6 5 5 5 6 5 6 6 5 5 4 6 5 5 5 6 5 5 4 4 6 6 6 6 7 7 5 5 5 4 5 3 1 2 2 5 6 6 6 6 5 5 5 4 3 2 3 6 6 6 6 6 6 5 5 6 5 6 5 7 6 7 6 7 6 4 3 4 4 5 4 2 2 2 6 5 5 5 6 5 5 4 4

Responden 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111

im1 7 3 3 6 5 6 2 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5 4 4 1

im2 7 3 3 5 5 6 1 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5 5 4 4

im3 6 4 4 6 5 6 2 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6 4 4 4


peou5 6 5 6 6 6 6 5 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5 2 4 5

prisk1 4 3 1 5 3 5 7 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5 2 5 4


136

rd1 6 5 5 6 4 5 5 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6 6 5 6

rd2 6 7 5 5 3 6 5 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6 4 5 7

rd3 5 6 4 6 4 5 6 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5 4 5 6



Responden 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150

im1 6 4 6 7 7 5 2 5 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5 4 4

im2 6 4 5 7 6 5 1 5 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5 5 5

im3 5 4 6 7 7 6 2 6 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6 4 4


peou5 6 7 6 4 6 4 5 5 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5 2 2

prisk1 6 7 4 4 3 4 5 5 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5 2 2


137

rd1 6 7 6 7 6 4 2 6 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6 6 6

rd2 6 7 5 6 6 4 3 6 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6 4 4

rd3 6 7 4 6 5 5 3 5 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5 4 4



Responden 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189

im1 7 1 5 2 5 4 5 4 4 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5 4

im2 7 1 5 1 5 4 5 3 4 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5 5

im3 6 2 6 3 6 5 5 4 4 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6 4


peou5 6 5 6 7 5 5 5 6 6 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5 2

prisk1 6 4 4 6 5 6 4 5 6 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5 2


138

rd1 6 5 6 4 5 6 3 4 4 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6 6

rd2 6 7 6 5 5 5 4 4 4 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6 4

rd3 6 5 6 4 5 6 4 5 5 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5 4



Responden 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228

im1 6 3 4 7 3 3 6 5 6 2 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2 5

im2 2 3 4 7 3 3 5 5 6 1 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1 5

im3 5 4 5 6 4 4 6 5 6 2 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2 6


peou5 5 5 4 6 5 6 6 6 6 5 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5 5

prisk1 6 6 5 4 3 1 5 3 5 7 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5 5


139

rd1 4 7 4 6 5 5 6 4 5 5 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2 6

rd2 3 6 5 6 7 5 5 3 6 5 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3 6

rd3 4 4 5 5 6 4 6 4 5 6 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3 5



Responden 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267

im1 4 4 1 6 4 6 7 7 5 2 5 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5 2

im2 5 4 4 6 4 5 7 6 5 1 5 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5 1

im3 4 4 4 5 4 6 7 7 6 2 6 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6 2


peou5 2 4 5 6 7 6 4 6 4 5 5 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4 5

prisk1 2 5 4 6 7 4 4 3 4 5 5 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4 5


140

rd1 6 5 6 6 7 6 7 6 4 2 6 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4 2

rd2 4 5 7 6 7 5 6 6 4 3 6 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4 3

rd3 4 5 6 6 7 4 6 5 5 3 5 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5 3



Responden 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306

im1 5 4 4 7 1 5 2 5 4 5 4 4 7 1 5 2 5 4 5 4 4 6 3 4 7 3 3 6 5 6 2 4 1 6 4 6 7 7 5

im2 5 5 5 7 1 5 1 5 4 5 3 4 7 1 5 1 5 4 5 3 4 2 3 4 7 3 3 5 5 6 1 4 4 6 4 5 7 6 5

im3 6 4 4 6 2 6 3 6 5 5 4 4 6 2 6 3 6 5 5 4 4 5 4 5 6 4 4 6 5 6 2 4 4 5 4 6 7 7 6


peou5 5 2 2 6 5 6 7 5 5 5 6 6 6 5 6 7 5 5 5 6 6 5 5 4 6 5 6 6 6 6 5 4 5 6 7 6 4 6 4

prisk1 5 2 2 6 4 4 6 5 6 4 5 6 6 4 4 6 5 6 4 5 6 6 6 5 4 3 1 5 3 5 7 5 4 6 7 4 4 3 4


141

rd1 6 6 6 6 5 6 4 5 6 3 4 4 6 5 6 4 5 6 3 4 4 4 7 4 6 5 5 6 4 5 5 5 6 6 7 6 7 6 4

rd2 6 4 4 6 7 6 5 5 5 4 4 4 6 7 6 5 5 5 4 4 4 3 6 5 6 7 5 5 3 6 5 5 7 6 7 5 6 6 4

rd3 5 4 4 6 5 6 4 5 6 4 5 5 6 5 6 4 5 6 4 5 5 4 4 5 5 6 4 6 4 5 6 5 6 6 7 4 6 5 5



Responden 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332

im1 2 5 4 6 3 4 7 3 3 6 5 6 2 7 1 5 2 5 4 5 4 4 6 3 4 7

im2 1 5 5 2 3 4 7 3 3 5 5 6 1 7 1 5 1 5 4 5 3 4 2 3 4 7

im3 2 6 4 5 4 5 6 4 4 6 5 6 2 6 2 6 3 6 5 5 4 4 5 4 5 6

peou1 peou2 peou3 peou4 7 6 4 4 7 5 5 5 2 1 4 4 4 5 5 4 6 4 3 6 5 4 6 5 6 6 6 6 7 5 7 5 5 7 5 6 5 5 5 6 6 5 6 7 6 5 5 6 6 5 6 6 7 6 7 7 6 5 6 6 7 6 6 6 5 6 5 6 5 5 5 5 6 6 5 6 6 5 4 5 7 6 6 6 7 5 6 6 4 5 5 4 6 4 3 6 5 4 6 5 6 6 6 6

peou5 5 5 2 5 5 4 6 5 6 6 6 6 5 6 5 6 7 5 5 5 6 6 5 5 4 6

prisk1 5 5 2 6 6 5 4 3 1 5 3 5 7 6 4 4 6 5 6 4 5 6 6 6 5 4

prisk2 prisk3 pu1 pu2 pu3 6 5 4 5 3 4 4 5 5 5 2 2 2 1 1 5 5 5 6 4 7 5 5 4 5 4 4 4 4 4 6 6 6 7 6 3 3 5 6 5 1 1 4 5 6 4 4 5 4 4 4 4 5 5 4 4 5 5 6 5 5 6 6 5 7 6 6 6 6 6 2 5 5 4 4 4 4 6 6 6 6 6 4 4 2 5 5 5 3 4 4 5 5 4 5 5 5 5 5 5 5 3 5 5 6 7 6 7 6 6 5 5 5 6 4 7 5 5 4 5 4 4 4 4 4 6 6 6 7 6

142

rd1 2 6 6 4 7 4 6 5 5 6 4 5 5 6 5 6 4 5 6 3 4 4 4 7 4 6

rd2 3 6 4 3 6 5 6 7 5 5 3 6 5 6 7 6 5 5 5 4 4 4 3 6 5 6

rd3 3 5 4 4 4 5 5 6 4 6 4 5 6 6 5 6 4 5 6 4 5 5 4 4 5 5

snorm1 snorm2 snorm3 4 4 4 4 4 5 2 2 1 3 3 4 7 5 6 5 4 5 6 6 5 6 6 5 5 3 4 6 5 6 6 6 5 5 4 6 5 4 4 5 5 6 2 2 3 5 6 5 1 1 2 5 5 4 7 3 4 1 1 2 1 1 1 1 1 1 3 3 4 7 5 6 5 4 5 6 6 5

intent1 intent2 intent3 4 3 4 4 5 4 2 2 2 6 5 5 5 6 5 5 4 4 6 6 6 6 7 7 5 5 5 4 5 3 1 2 2 5 6 6 6 6 5 6 6 6 3 3 3 6 6 5 3 3 2 5 5 4 5 6 5 5 5 6 5 6 6 5 5 4 6 5 5 5 6 5 5 4 4 6 6 6

LAMPIRAN C UJI ASUMSI YANG HARUS DIPENUHI STRUCTURAL EQUATION MODELING

143

LAMPIRAN C.1 Uji Asumsi Yang Harus Dipenuhi Structural Equation Modelling 1. Normalitas Variable IM1 IM2 IM3 PEOU1 PEOU2 PEOU3 PEOU4 PEOU5 PRISK1 PRISK2 PRISK3 PU1 PU2 PU3 RD1 RD2 RD3 SNORM1 SNORM2 SNORM3 INTENT1 INTENT2 INTENT3 Valid N (listwise)

N Statistic 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332 332

Minimum Statistic 1.00 1.00 2.00 2.00 1.00 3.00 3.00 2.00 1.00 1.00 1.00 2.00 1.00 1.00 2.00 3.00 3.00 1.00 1.00 1.00 1.00 2.00 2.00

Maximum Statistic 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 6.00 7.00 7.00 7.00

Descriptive Statistics Mean Std. Deviation Statistic Statistic 4.4247 1.72341 4.1717 1.75304 4.7560 1.34999 5.7801 1.17752 5.2711 1.00693 5.3434 .97840 5.4940 .94083 5.3193 .98348 4.6928 1.36493 4.5873 1.51774 4.5572 1.47273 5.1084 .92970 4.9669 1.16162 5.0211 1.38273 5.1446 1.17766 5.1898 1.16215 5.0271 .90108 4.4608 1.91077 3.9880 1.77763 4.2952 1.55180 4.8404 1.30597 5.0090 1.39591 4.7289 1.40522

144

Skewness Statistic Std. Error -.287 .134 -.349 .134 -.468 .134 -1.264 .134 -2.154 .134 -.324 .134 -.629 .134 -1.021 .134 -.586 .134 -.452 .134 -.935 .134 -.626 .134 -1.099 .134 -.845 .134 -.506 .134 -.259 .134 -.053 .134 -.657 .134 -.332 .134 -.911 .134 -1.126 .134 -.935 .134 -.456 .134

Kurtosis Statistic Std. Error -.731 .267 -.592 .267 -.437 .267 1.786 .267 7.527 .267 -.327 .267 .041 .267 2.059 .267 .243 .267 -.258 .267 .283 .267 2.431 .267 2.138 .267 .818 .267 -.127 .267 -.708 .267 -.651 .267 -.790 .267 -1.029 .267 -.174 .267 1.042 .267 -.137 .267 -.691 .267

LAMPIRAN C.2 2. Uji Validasi IM1

IM1

.116

-.034

.242

.285

.361

.341

.171

.278

-.074 .142

.255

.326

.263

.418

.459

.446

.

.000

.000

.003

.710

.000

.000

.035

.534

.000

.000

.000

.000

.002

.000

.181

.000

.000

.000

.000

.000

.000

1

.865

-.015

-.050

.212

.258

-.009

-.208

.083

.075

.300

.249

.259

.453

.200

.313

.310

.396

.339

.230

.318

.332

.000

.

.000

.781

.360

.000

.000

.869

.000

.129

.172

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

Pearson Correlation .884

.865

1

-.108

.049

.240

.238

.047

-.179

.027

.025

.320

.270

.197

.385

.097

.224

.333

.422

.370

.339

.415

.368

.000

.000

.

.049

.375

.000

.000

.389

.001

.619

.656

.000

.000

.000

.000

.078

.000

.000

.000

.000

.000

.000

.000

Pearson Correlation -.162 -.015 -.108 1

.468

.249

.207

.436

.274

.248

.120

.554

.463

.470

-.071 .318

.407

.081

.120

.176

.244

.303

.303

.003

.000

.000

.000

.000

.000

.000

.029

.000

.000

.000

.199

.000

.000

.139

.029

.001

.000

.000

.000 .334


.468

1

.249

.222

.693

.087

.156

.130

.466

.597

.551

-.054 .168

.172

.164

.123

.243

.336

.269

.375

.000

.

.000

.000

.000

.113

.004

.018

.000

.000

.000

.331

.002

.002

.003

.025

.000

.000

.000

.000


.212

.240

.249

.249

1

.462

.266

-.138

-.155

-.007

.427

.499

.327

-.025 .176

.346

.072

.322

.031

.287

.245

.307

.000

.000

.000

.000

.000

.

.000

.000

.012

.005

.893

.000

.000

.000

.652

.001

.000

.192

.000

.579

.000

.000

.000


.258

.238

.207

.222

.462

1

.420

-.004

.139

.307

.422

.214

.145

.151

.083

.109

.127

.069

.012

.114

.300

.145

.000

.000

.000

.000

.000

.000

.

.000

.945

.011

.000

.000

.000

.008

.006

.133

.047

.021

.213

.834

.039

.000

.008

-.009 .047

.436

.693

.266

.420

1

.271

.422

.369

.481

.480

.415

.038

.187

.157

.111

.085

.138

.188

.196

.216

.869

.000

.000

.000

.000

.

.000

.000

.000

.000

.000

.000

.487

.001

.004

.043

.121

.012

.001

.000

.000

Pearson Correlation -.034 -.208 -.179 .274

.087

-.138

-.004

.271

1

.709

.684

.326

.039

.157

.035

.022

.311

.036

-.131

.094

.274

.249

.060


.000

.001

.000

.113

.012

.945

.000

.

.000

.000

.000

.476

.004

.522

.695

.000

.514

.017

.086

.000

.000

.272

.083

.027

.248

.156

-.155

.139

.422

.709

1

.791

.469

.232

.200

.057

-.046 .039

.013

-.059

.030

.307

.233

.200

.000

.129

.619

.000

.004

.005

.011

.000

.000

.

.000

.000

.000

.000

.299

.401

.477

.818

.284

.585

.000

.000

.000


.075

.025

.120

.130

-.007

.307

.369

.684

.791

1

.501

.159

.103

.114

.106

.171

.031

-.107

.043

.296

.246

.168

.000

.172

.656

.029

.018

.893

.000

.000

.000

.000

.

.000

.004

.062

.038

.054

.002

.575

.051

.437

.000

.000

.002


.300

.320

.554

.466

.427

.422

.481

.326

.469

.501

1

.636

.701

.251

.294

.494

.176

.211

.225

.564

.542

.480

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.

.000

.000

.000

.000

.000

.001

.000

.000

.000

.000

.000


.249

.270

.463

.597

.499

.214

.480

.039

.232

.159

.636

1

.646

-.038 .159

.157

.139

.341

.316

.494

.404

.559

.000

.000

.000

.000

.000

.000

.000

.000

.476

.000

.004

.000

.

.000

.485

.004

.004

.011

.000

.000

.000

.000

.000


.259

.197

.470

.551

.327

.145

.415

.157

.200

.103

.701

.646

1

.354

.400

.516

.345

.315

.356

.582

.549

.633

.002

.000

.000

.000

.000

.000

.008

.000

.004

.000

.062

.000

.000

.

.000

.000

.000

.000

.000

.000

.000

.000

.000


.453

.385

-.071

-.054

-.025

.151

.038

.035

.057

.114

.251

-.038 .354

1

.695

.571

.502

.337

.471

.194

.310

.168

.000

.000

.000

.199

.331

.652

.006

.487

.522

.299

.038

.000

.485

.

.000

.000

.000

.000

.000

.000

.000

.002

Sig. (2-tailed)

PU3

Sig. (2-tailed)

RD1

.389

.534

Sig. (2-tailed)

PU2

.035


Sig. (2-tailed)

PU1

.

.360

Sig. (2-tailed)

PRISK3

.049

-.050 .049

Sig. (2-tailed)

PRISK2

.781

.710

Sig. (2-tailed)

PRISK1

.009


Sig. (2-tailed)

PEOU5

RD3 SNORM1 SNORM2 SNORM3 INTENT1 INTENT2 INTENT3

.330

Sig. (2-tailed)

PEOU4

RD2

.259

Sig. (2-tailed)

PEOU3

RD1

.021

Sig. (2-tailed)

PEOU2

PU3

-.162

Sig. (2-tailed)

PEOU1

PU2

.884

Sig. (2-tailed)

IM3

IM3 PEOU1 PEOU2 PEOU3 PEOU4 PEOU5 PRISK1 PRISK2 PRISK3 PU1

.827

Sig. (2-tailed)

IM2

IM2

Pearson Correlation 1

Sig. (2-tailed)

145

.000

IM1

IM2

Pearson Correlation -.074 .200

IM3 PEOU1 PEOU2 PEOU3 PEOU4 PEOU5 PRISK1 PRISK2 PRISK3 PU1

PU2

PU3

RD1

RD2

RD3 SNORM1 SNORM2 SNORM3 INTENT1 INTENT2 INTENT3

.326

.273

.465

.247

.276

.263

.181

.000

.078

.000

.002

.001

.133

.001

.695

.401

.054

.000

.004

.000

.000

.

.000

.000

.000

.000

.000

.000

.000


.313

.224

.407

.172

.346

.109

.157

.311

.039

.171

.494

.157

.516

.571

.636

1

.344

.242

.366

.391

.466

.290

.009

.000

.000

.000

.002

.000

.047

.004

.000

.477

.002

.000

.004

.000

.000

.000

.

.000

.000

.000

.000

.000

.000

SNORM1 Pearson Correlation .255

.310

.333

.081

.164

.072

.127

.111

.036

.013

.031

.176

.139

.345

.502

.326

.344

1

.826

.828

.331

.397

.336

.000

.000

.000

.139

.003

.192

.021

.043

.514

.818

.575

.001

.011

.000

.000

.000

.000

.

.000

.000

.000

.000

.000


.396

.422

.120

.123

.322

.069

.085

-.131

-.059

-.107

.211

.341

.315

.337

.273

.242

.826

1

.785

.287

.283

.301

RD2

Sig. (2-tailed)

RD3

Sig. (2-tailed)

Sig. (2-tailed)

.097

.318

.168

.176

.083

.187

.022

-.046

.106

.294

.159

.400

.695

1

.636

.000

.000

.000

.029

.025

.000

.213

.121

.017

.284

.051

.000

.000

.000

.000

.000

.000

.000

.

.000

.000

.000

.000


.339

.370

.176

.243

.031

.012

.138

.094

.030

.043

.225

.316

.356

.471

.465

.366

.828

.785

1

.269

.274

.249

.000

.000

.000

.001

.000

.579

.834

.012

.086

.585

.437

.000

.000

.000

.000

.000

.000

.000

.000

.

.000

.000

.000

INTENT1 Pearson Correlation .418

.230

.339

.244

.336

.287

.114

.188

.274

.307

.296

.564

.494

.582

.194

.247

.391

.331

.287

.269

1

.874

.865

.000

.000

.000

.000

.000

.000

.039

.001

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.

.000

.000


.318

.415

.303

.269

.245

.300

.196

.249

.233

.246

.542

.404

.549

.310

.276

.466

.397

.283

.274

.874

1

.851

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.000

.

.000


.332

.368

.303

.334

.307

.145

.216

.060

.200

.168

.480

.559

.633

.168

.263

.290

.336

.301

.249

.865

.851

1

.000

.000

.000

.000

.000

.000

.008

.000

.272

.000

.002

.000

.000

.000

.002

.000

.000

.000

.000

.000

.000

.000

.

Sig. (2-tailed)

Sig. (2-tailed)

Sig. (2-tailed)

Sig. (2-tailed)

Sig. (2-tailed)

** Correlation is significant at the 0.01 level (2-tailed). * Correlation is significant at the 0.05 level (2-tailed).

146

3. Uji Reliabilitas R E L I A B I L I T Y A N A L Y S I S - S C A L E (A L P H A) Item-total Statistics Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted IM1 8.9667 9.2747 .8800 .9131 IM2 9.2000 9.2690 .8692 .9231 IM3 8.6333 11.3437 .9146 .9047 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .9403 Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted PEOU1 21.3667 8.7920 .4619 PEOU2 21.8667 8.8782 .5859 PEOU3 21.8000 10.0966 .4039 PEOU4 21.6667 10.0920 .4201 PEOU5 21.8333 8.6264 .6604 Reliability Coefficients N of Cases = 30.0 N of Items = 5 Alpha = .7390 Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted PRISK1 9.1000 8.5069 .7358 PRISK2 9.2000 7.2000 .8276 PRISK3 9.2333 7.4264 .8069 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .8920

.7147 .6611 .7277 .7219 .6332

.8907 .8110 .8296

Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted PU1 10.0000 5.6552 .7405 .7813 PU2 10.1333 4.8782 .6980 .7889 PU3 10.0667 3.7885 .7446 .7682 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .8421 R E L I A B I L I T Y A N A L Y S I S - S C A L E (A L P H A)

Item-total Statistics Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted RD1 10.2333 3.7023 .7109 .7749 RD2 10.2000 3.6138 .7616 .7188 RD3 10.3667 4.8609 .6681 .8229 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .8397

147

Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted SNORM1 8.3667 9.9644 .8734 SNORM2 8.8333 10.9713 .8383 SNORM3 8.5333 12.4644 .8363 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .9228 Scale Scale Corrected Mean Variance ItemAlpha if Item if Item Total if Item Deleted Deleted Correlation Deleted INTENT1 9.7333 7.6506 .9078 INTENT2 9.5667 7.2195 .8922 INTENT3 9.8333 7.2471 .8885 Reliability Coefficients N of Cases = 30.0 N of Items = 3 Alpha = .9502

.8675 .8926 .9019

.9195 .9298 .9326

148

LAMPIRAN D STRUCTURAL EQUATION MODELING

149

LAMPIRAN D.1 Validasi Model Konstruk Norma Subyektif Uji Structural Equation Modelling dengan LISREL 8.3 Tesis Observed variables SNORM1-SNORM3 Correlation matrix from file rani1.cor Sample size 332 Latent variables SNORM Relationships SNORM1-SNORM3 = SNORM Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix SNORM1 SNORM2 SNORM3 -------- -------- -------SNORM1 1.00 SNORM2 0.87 1.00 SNORM3 0.94 0.89 1.00

Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations SNORM1 = 0.95*SNORM, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 SNORM2 = 0.91*SNORM, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 SNORM3 = 0.98*SNORM, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12 Correlation Matrix of Independent Variables SNORM -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect ! Tesis Standardized Solution LAMBDA-X SNORM -------SNORM1 0.95 SNORM2 0.91 SNORM3 0.98

150

PHI SNORM -------1.00 Tesis Completely Standardized Solution LAMBDA-X SNORM -------SNORM1 0.95 SNORM2 0.91 SNORM3 0.98 PHI SNORM -------1.00 THETA-DELTA SNORM1 SNORM2 -------- -------- -------0.09 0.18 0.03

SNORM3

151

LAMPIRAN D.2 Validasi Model Konstruk Pencitraan Tesis Observed variables IM1-IM3 Correlation matrix from file rani1.cor Sample size 332 Latent variables IM Relationships IM1-IM3 = IM Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix IM1 IM2 IM3 -------- -------- -------IM1 1.00 IM2 0.87 1.00 IM3 0.94 0.89 1.00 Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations IM1 = 0.95*IM, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 IM2 = 0.91*IM, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 IM3 = 0.98*IM, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12 Correlation Matrix of Independent Variables IM -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect !

Tesis Standardized Solution LAMBDA-X IM -------IM1 0.95 IM2 0.91 IM3 0.98 PHI

152

IM -------1.00 Tesis Completely Standardized Solution LAMBDA-X IM -------IM1 0.95 IM2 0.91 IM3 0.98 PHI IM -------1.00 THETA-DELTA IM1 IM2 IM3 -------- -------- -------0.09 0.18 0.03 Time used: 0.031 Seconds

153

LAMPIRAN D.3 Validasi Model Konstruk Demonstrabilitas Hasil Tesis Observed variables RD1-RD3 Correlation matrix from file rani1.cor Sample size 332 Latent variables RD Relationships RD1-RD3 = RD Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix RD1 RD2 RD3 -------- -------- -------RD1 1.00 RD2 0.87 1.00 RD3 0.94 0.89 1.00 Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations RD1 = 0.95*RD, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 RD2 = 0.91*RD, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 RD3 = 0.98*RD, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12 Correlation Matrix of Independent Variables RD -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect ! Tesis Standardized Solution LAMBDA-X RD -------RD1 0.95 RD2 0.91 RD3 0.98 PHI RD -------1.00

154

Tesis Completely Standardized Solution LAMBDA-X RD -------RD1 0.95 RD2 0.91 RD3 0.98 PHI RD -------1.00 THETA-DELTA RD1 RD2 RD3 -------- -------- -------0.09 0.18 0.03 Time used: 0.047 Seconds

155

LAMPIRAN D.4 Validasi Model Konstruk Resiko yang Dirasa Tesis Observed variables PRISK1-PRISK3 Correlation matrix from file rani1.cor Sample size 332 Latent variables PRISK Relationships PRISK1-PRISK3 = PRISK Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix PRISK1 PRISK2 PRISK3 -------- -------- -------PRISK1 1.00 PRISK2 0.87 1.00 PRISK3 0.94 0.89 1.00 Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations PRISK1 = 0.95*PRISK, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 PRISK2 = 0.91*PRISK, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 PRISK3 = 0.98*PRISK, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12 Correlation Matrix of Independent Variables PRISK -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect !

Tesis Standardized Solution LAMBDA-X PRISK -------PRISK1 PRISK2 PRISK3

0.95 0.91 0.98

156

PHI PRISK -------1.00 Tesis Completely Standardized Solution LAMBDA-X PRISK -------PRISK1 PRISK2 PRISK3

0.95 0.91 0.98

PHI PRISK -------1.00 THETA-DELTA PRISK1 PRISK2 PRISK3 -------- -------- -------0.09 0.18 0.03 Time used: 0.016 Seconds

157

LAMPIRAN D.5 Validasi Model Konstruk Kegunaan yang Dirasa Tesis Observed variables PU1-PU3 Correlation matrix from file rani1.cor Sample size 332 Latent variables PU Relationships PU1-PU3 = PU Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix PU1 -------PU1 PU2 PU3

PU2 PU3 -------- -------1.00 0.87 1.00 0.94 0.89

1.00

Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations PU1 = 0.95*PU, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 PU2 = 0.91*PU, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 PU3 = 0.98*PU, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12

Correlation Matrix of Independent Variables PU -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect !

Tesis Standardized Solution LAMBDA-X PU -------PU1 0.95 PU2 0.91 PU3 0.98

158

PHI PU -------1.00 Tesis Completely Standardized Solution LAMBDA-X PU -------PU1 0.95 PU2 0.91 PU3 0.98 PHI PU -------1.00 THETA-DELTA PU1 PU2 PU3 -------- -------- -------0.09 0.18 0.03 Time used: 0.016 Seconds

159

LAMPIRAN D.7 Validasi Model Konstruk Kemudahan yang Dirasa Tesis Observed variables PEOU1-PEOU5 Correlation matrix from file rani1.cor Sample size 332 Latent variables PEOU Relationships PEOU1-PEOU5 = PEOU Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix to be Analyzed PEOU1 PEOU2 -------- -------- -------PEOU1 1.00 PEOU2 0.87 1.00 PEOU3 0.94 0.89 PEOU4 -0.17 -0.02 PEOU5 0.02 -0.02

PEOU3 PEOU4 -------- --------

1.00 -0.14 0.01

1.00 0.32

PEOU5

1.00

Tesis Number of Iterations = 5 LISREL Estimates (Maximum Likelihood) PEOU1 = 0.95*PEOU, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.39 7.97 PEOU2 = 0.91*PEOU, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.39 11.16 PEOU3 = 0.99*PEOU, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.80 3.10 PEOU4 = - 0.14*PEOU, Errorvar.= 0.98 , R² = 0.020 (0.055) (0.076) -2.53 12.86 PEOU5 = 0.010*PEOU, Errorvar.= 1.00 , R² = 0.00011 (0.056) (0.078) 0.18 12.86 Correlation Matrix of Independent Variables PEOU -------1.00 Goodness of Fit Statistics Degrees of Freedom = 5 Minimum Fit Function Chi-Square = 80.81 (P = 0.00) Normal Theory Weighted Least Squares Chi-Square = 66.09 (P = 0.00) Estimated Non-centrality Parameter (NCP) = 61.09 90 Percent Confidence Interval for NCP = (38.48 ; 91.15) Minimum Fit Function Value = 0.24 Population Discrepancy Function Value (F0) = 0.18 90 Percent Confidence Interval for F0 = (0.12 ; 0.28) Root Mean Square Error of Approximation (RMSEA) = 0.19 90 Percent Confidence Interval for RMSEA = (0.15 ; 0.23) P-Value for Test of Close Fit (RMSEA < 0.05) = 0.00

160

Expected Cross-Validation Index (ECVI) = 0.26 90 Percent Confidence Interval for ECVI = (0.19 ; 0.35) ECVI for Saturated Model = 0.091 ECVI for Independence Model = 4.08 Chi-Square for Independence Model with 10 Degrees of Freedom = 1339.87 Independence AIC = 1349.87 Model AIC = 86.09 Saturated AIC = 30.00 Independence CAIC = 1373.90 Model CAIC = 134.14 Saturated CAIC = 102.08 Root Mean Square Residual (RMR) = 0.089 Standardized RMR = 0.089 Goodness of Fit Index (GFI) = 0.93 Adjusted Goodness of Fit Index (AGFI) = 0.78 Parsimony Goodness of Fit Index (PGFI) = 0.31 Normed Fit Index (NFI) = 0.94 Non-Normed Fit Index (NNFI) = 0.89 Parsimony Normed Fit Index (PNFI) = 0.47 Comparative Fit Index (CFI) = 0.94 Incremental Fit Index (IFI) = 0.94 Relative Fit Index (RFI) = 0.88 Critical N (CN) = 62.81

The Modification Indices Suggest to Add an Error Covariance Between and Decrease in Chi-Square New Estimate PEOU3 PEOU1 25.8 -0.91 PEOU3 PEOU2 7.9 0.34 PEOU4 PEOU2 24.5 0.12 PEOU5 PEOU4 35.1 0.32

Tesis Standardized Solution LAMBDA-X PEOU -------PEOU1 0.95 PEOU2 0.91 PEOU3 0.99 PEOU4 -0.14 PEOU5 0.01 PHI PEOU -------1.00 Tesis Completely Standardized Solution LAMBDA-X PEOU -------PEOU1 0.95 PEOU2 0.91

161

PEOU3 PEOU4 PEOU5

0.99 -0.14 0.01

PHI PEOU -------1.00 THETA-DELTA PEOU1 PEOU2 PEOU3 PEOU4 -------- -------- -------- -------- -------0.09 0.18 0.03 0.98 1.00

The Problem used Time used:

PEOU5

4832 Bytes (= 0.0% of Available Workspace)

0.016 Seconds

162

LAMPIRAN D.8 Validasi Model Konstruk Kemudahan yang Dirasa (Modifikasi) Tesis Observed variables PEOU1-PEOU4 Correlation matrix from file rani1.cor Sample size 332 Latent variables PEOU Relationships PEOU1-PEOU4 = PEOU Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix to be Analyzed PEOU1 PEOU2 PEOU3 PEOU4 -------- -------- -------- -------PEOU1 1.00 PEOU2 0.87 1.00 PEOU3 0.94 0.89 1.00 PEOU4 -0.17 -0.02 -0.14 1.00 Tesis Number of Iterations = 4 LISREL Estimates (Maximum Likelihood) PEOU1 = 0.95*PEOU, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.39 7.97 PEOU2 = 0.91*PEOU, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.39 11.16 PEOU3 = 0.99*PEOU, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.80 3.10 PEOU4 = - 0.14*PEOU, Errorvar.= 0.98 , R² = 0.020 (0.055) (0.076) -2.53 12.86 Correlation Matrix of Independent Variables PEOU -------1.00 Goodness of Fit Statistics Degrees of Freedom = 2 Minimum Fit Function Chi-Square = 29.80 (P = 0.00) Normal Theory Weighted Least Squares Chi-Square = 28.41 (P = 0.00) Estimated Non-centrality Parameter (NCP) = 26.41 90 Percent Confidence Interval for NCP = (12.75 ; 47.51) Minimum Fit Function Value = 0.090 Population Discrepancy Function Value (F0) = 0.080 90 Percent Confidence Interval for F0 = (0.039 ; 0.14) Root Mean Square Error of Approximation (RMSEA) = 0.20 90 Percent Confidence Interval for RMSEA = (0.14 ; 0.27) P-Value for Test of Close Fit (RMSEA < 0.05) = 0.00 Expected Cross-Validation Index (ECVI) = 0.13 90 Percent Confidence Interval for ECVI = (0.093 ; 0.20) ECVI for Saturated Model = 0.060 ECVI for Independence Model = 3.92 Chi-Square for Independence Model with 6 Degrees of Freedom = 1288.83 Independence AIC = 1296.83 Model AIC = 44.41

163

Saturated AIC = 20.00 Independence CAIC = 1316.05 Model CAIC = 82.86 Saturated CAIC = 68.05 Root Mean Square Residual (RMR) = 0.036 Standardized RMR = 0.036 Goodness of Fit Index (GFI) = 0.96 Adjusted Goodness of Fit Index (AGFI) = 0.79 Parsimony Goodness of Fit Index (PGFI) = 0.19 Normed Fit Index (NFI) = 0.98 Non-Normed Fit Index (NNFI) = 0.93 Parsimony Normed Fit Index (PNFI) = 0.33 Comparative Fit Index (CFI) = 0.98 Incremental Fit Index (IFI) = 0.98 Relative Fit Index (RFI) = 0.93 Critical N (CN) = 103.31 The Modification Indices Suggest to Add an Error Covariance Between and Decrease in Chi-Square New Estimate PEOU3 PEOU1 24.6 -0.89 PEOU4 PEOU2 24.6 0.12 Tesis Standardized Solution LAMBDA-X PEOU -------PEOU1 0.95 PEOU2 0.91 PEOU3 0.99 PEOU4 -0.14 PHI PEOU -------1.00 Tesis Completely Standardized Solution LAMBDA-X PEOU -------PEOU1 0.95 PEOU2 0.91 PEOU3 0.99 PEOU4 -0.14 PHI PEOU -------1.00 THETA-DELTA PEOU1 PEOU2 PEOU3 PEOU4 -------- -------- -------- -------0.09 0.18 0.03 0.98 The Problem used 3528 Bytes (= 0.0% of Available Workspace) Time used: 0.000 Seconds

164

LAMPIRAN D.9 Validasi Model Konstruk Niat Adopsi Tesis Observed variables INTENT1-INTENT3 Correlation matrix from file rani1.cor Sample size 332 Latent variables INTENT Relationships INTENT1-INTENT3 = INTENT Options: SC EF WP AD=OFF Path diagram End of problem Sample Size = 332 Tesis Correlation Matrix INTENT1 INTENT2 INTENT3 -------- -------- -------INTENT1 1.00 INTENT2 0.87 1.00 INTENT3 0.94 0.89 1.00 Tesis Number of Iterations = 0 LISREL Estimates (Maximum Likelihood) Measurement Equations INTENT1 = 0.95*INTENT, Errorvar.= 0.089 , R² = 0.91 (0.041) (0.011) 23.38 7.97 INTENT2 = 0.91*INTENT, Errorvar.= 0.18 , R² = 0.82 (0.042) (0.016) 21.41 11.14 INTENT3 = 0.98*INTENT, Errorvar.= 0.030 , R² = 0.97 (0.040) (0.0096) 24.79 3.12 Correlation Matrix of Independent Variables INTENT -------1.00 Goodness of Fit Statistics Degrees of Freedom = 0 Minimum Fit Function Chi-Square = 0.00 (P = 1.00) Normal Theory Weighted Least Squares Chi-Square = 0.00 (P = 1.00) The Model is Saturated, the Fit is Perfect ! Tesis Standardized Solution LAMBDA-X INTENT -------INTENT1 INTENT2 INTENT3

0.95 0.91 0.98

PHI INTENT -------1.00

165

Tesis Completely Standardized Solution LAMBDA-X INTENT -------INTENT1 INTENT2 INTENT3

0.95 0.91 0.98

PHI INTENT -------1.00 THETA-DELTA INTENT1 INTENT2 INTENT3 -------- -------- -------0.09 0.18 0.03 Time used: 0.016 Seconds

166

LAMPIRAN D.10 Estimasi LISREL 8.3 untuk Model dari Korelasi antar Variabel Laten L I S R E L 8.30 BY Karl G. Jöreskog & Dag Sörbom This program is published exclusively by Scientific Software International, Inc. 7383 N. Lincoln Avenue, Suite 100 Chicago, IL 60646-1704, U.S.A. Phone: (800)247-6113, (847)675-0720, Fax: (847)675-2140 Copyright by Scientific Software International, Inc., 1981-99 Use of this program is subject to the terms specified in the Universal Copyright Convention. Website: www.ssicentral.com The following lines were read from file F:\RANI\TESIS\DATASP~1\TAMX.SPL: Tesis Observed variables SNORM1-SNORM3 IM1-IM3 RD1-RD3 PRISK1-PRISK3 PU1-PU3 PEOU1-PEOU5 INTENT1-INTENT3 Correlation matrix from file rani1.cor Sample size 332 Latent variables SNORM IM RD PRISK PU PEOU INTENT Relationships SNORM1-SNORM3 = SNORM IM1-IM3 = IM RD1-RD3 = RD PRISK1-PRISK3 = PRISK PU1-PU3 = PU PEOU1-PEOU4 = PEOU INTENT1-INTENT3 = INTENT INTENT = SNORM INTENT = SNORM PU IM = SNORM INTENT = IM PU INTENT = RD PU INTENT = PRISK PU INTENT = PEOU PU INTENT = PEOU Options: AD=OFF Path diagram End of problem Sample Size = 332

W_A_R_N_I_N_G: Matrix to be analyzed is not positive definite, ridge option taken with ridge constant = 0.100 Tesis Covariance Matrix to be Analyzed IM1 IM2 IM3 INTENT1 INTENT2 -------- -------- -------- -------- -------- --------

INTENT3

167

IM1 1.10 IM2 0.32 1.10 IM3 0.31 0.20 1.10 INTENT1 0.23 0.26 0.46 1.10 INTENT2 0.38 0.13 0.37 0.91 1.10 INTENT3 0.35 0.28 0.43 0.94 0.91 1.10 SNORM1 -0.17 0.02 0.31 0.49 0.40 0.46 SNORM2 -0.02 -0.02 0.26 0.29 0.29 0.36 SNORM3 -0.14 0.01 0.29 0.40 0.37 0.39 RD1 0.15 0.18 0.53 0.17 0.28 0.16 RD2 0.37 0.66 0.25 0.17 0.11 0.19 RD3 0.24 -0.09 -0.18 0.24 0.21 0.00 PRISK1 0.27 0.01 -0.18 0.29 0.16 0.17 PRISK2 0.11 0.04 -0.01 0.34 0.22 0.17 PRISK3 0.55 0.23 0.48 0.68 0.58 0.53 PU1 0.42 0.46 0.56 0.56 0.41 0.61 PU2 0.48 0.52 0.33 0.57 0.48 0.60 PU3 -0.03 -0.01 -0.09 0.23 0.32 0.17 PEOU1 0.38 0.13 0.21 0.27 0.35 0.32 PEOU2 0.45 0.12 0.36 0.45 0.54 0.32 PEOU3 0.02 0.06 0.01 0.36 0.47 0.36 PEOU4 0.10 0.03 0.40 0.41 0.41 0.38 Covariance Matrix to be Analyzed SNORM1 SNORM2 SNORM3 RD1 RD2 -------- -------- -------- -------- -------- -------SNORM1 1.10 SNORM2 0.87 1.10 SNORM3 0.94 0.89 1.10 RD1 0.42 0.35 0.31 1.10 RD2 0.14 0.02 0.02 0.46 1.10 RD3 -0.07 -0.24 -0.25 -0.02 0.28 1.10 PRISK1 0.23 0.08 -0.02 0.14 0.44 0.73 PRISK2 0.30 0.14 0.01 0.28 0.43 0.73 PRISK3 0.46 0.41 0.42 0.48 0.37 0.30 PU1 0.45 0.39 0.32 0.21 0.36 -0.08 PU2 0.13 0.22 0.14 0.10 0.39 0.21 PU3 0.29 0.46 0.41 0.15 0.08 0.10 PEOU1 -0.10 0.19 0.09 0.04 0.18 0.01 PEOU2 0.15 0.33 0.25 0.11 0.17 0.36 PEOU3 0.21 0.25 0.27 0.15 0.10 0.10 PEOU4 0.34 0.42 0.45 0.10 -0.01 -0.22

RD3

Covariance Matrix to be Analyzed PRISK1 PRISK2 PRISK3 PU1 PU2 PU3 -------- -------- -------- -------- -------- -------PRISK1 1.10 PRISK2 0.85 1.10 PRISK3 0.49 0.55 1.10 PU1 0.19 0.14 0.62 1.10 PU2 0.22 0.20 0.72 0.62 1.10 PU3 0.14 0.23 0.37 -0.01 0.40 1.10 PEOU1 -0.05 0.16 0.34 0.16 0.44 0.72 PEOU2 0.04 0.28 0.60 0.13 0.58 0.63 PEOU3 0.06 0.09 0.18 0.03 0.29 0.59 PEOU4 -0.14 -0.17 0.23 0.37 0.27 0.31 Covariance Matrix to be Analyzed PEOU1 PEOU2 -------- -------- -------PEOU1 1.10 PEOU2 0.71 1.10 PEOU3 0.33 0.38 PEOU4 0.24 0.23

PEOU3 --------

1.10 0.74

PEOU4

1.10

168

Tesis Number of Iterations = 49 LISREL Estimates (Maximum Likelihood) IM1 = 0.45*IM, Errorvar.= 0.90 , R² = 0.18 (0.073) (0.082) 6.15 10.96 IM2 = 0.38*IM, Errorvar.= 0.95 , R² = 0.13 (0.073) (0.082) 5.28 11.58 IM3 = 0.69*IM, Errorvar.= 0.62 , R² = 0.44 (0.084) (0.10) 8.27 6.13 INTENT1 = 0.95*INTENT, Errorvar.= 0.15 , R² = 0.86 (0.066) (0.020) 14.31 7.36 INTENT2 = 0.91*INTENT, Errorvar.= 0.22 , R² = 0.79 (0.065) (0.023) 13.90 9.47 INTENT3 = 0.93*INTENT, Errorvar.= 0.18 , R² = 0.83 (0.066) (0.021) 14.15 8.36

SNORM1 = 0.96*SNORM, Errorvar.= 0.19 , R² = 0.83 (0.045) (0.023) 21.19 8.18 SNORM2 = 0.92*SNORM, Errorvar.= 0.26 , R² = 0.76 (0.046) (0.026) 19.80 9.94 SNORM3 = 0.98*SNORM, Errorvar.= 0.14 , R² = 0.87 (0.044) (0.022) 22.06 6.65 RD1 = 0.11*RD, Errorvar.= 1.09 , R² = 0.012 (0.051) (0.084) 2.25 12.90 RD2 = 0.39*RD, Errorvar.= 0.95 , R² = 0.14 (0.060) (0.076) 6.52 12.50 RD3 = 0.72*RD, Errorvar.= 0.58 , R² = 0.47 (0.067) (0.078) 10.82 7.45 PRISK1 = 0.93*PRISK, Errorvar.= 0.24 , R² = 0.78 (0.047) (0.030) 19.83 7.90 PRISK2 = 0.91*PRISK, Errorvar.= 0.27 , R² = 0.75 (0.047) (0.031) 19.25 8.68 PRISK3 = 0.57*PRISK, Errorvar.= 0.77 , R² = 0.30 (0.055) (0.063) 10.35 12.32 PU1 = 0.30*PU, Errorvar.= 1.01 , R² = 0.080

169

(0.055) 5.38

(0.078) 12.93

PU2 = 0.51*PU, Errorvar.= 0.84 , R² = 0.24 (0.057) (0.068) 8.96 12.44 PU3 = 0.75*PU, Errorvar.= 0.53 , R² = 0.52 (0.057) (0.059) 13.25 9.04 PEOU1 = 0.76*PEOU, Errorvar.= 0.52 , R² = 0.53 (0.052) (0.048) 14.58 10.80 PEOU2 = 0.79*PEOU, Errorvar.= 0.47 , R² = 0.57 (0.052) (0.046) 15.36 10.29 PEOU3 = 0.60*PEOU, Errorvar.= 0.74 , R² = 0.33 (0.056) (0.061) 10.84 12.07 PEOU4 = 0.43*PEOU, Errorvar.= 0.91 , R² = 0.17 (0.058) (0.073) 7.41 12.55

IM = 0.24*SNORM, Errorvar.= 0.94, R² = 0.058 (0.080) 3.01 INTENT = 0.47*IM + 0.22*SNORM + 0.092*RD + 0.078*PRISK + 0.14*PU + 0.15*PEOU, Errorvar.= 0.46, R² = 0.54 (0.087) (0.092) (0.13) (0.13) (0.13) (0.11) 5.34 2.33 0.73 0.62 1.05 1.35

Correlation Matrix of Independent Variables SNORM RD PRISK PU -------- -------- -------- -------- -------SNORM 1.00 RD

-0.17 (0.08) -2.17

1.00

PRISK 0.16 1.11 (0.06) (0.07) 2.76 15.54 PU

PEOU

1.00

0.53 0.33 0.38 (0.06) (0.10) (0.07) 8.70 3.45 5.49

1.00

PEOU 0.29 0.32 0.16 1.14 (0.06) (0.08) (0.07) (0.05) 4.79 3.74 2.45 23.28

1.00

Covariance Matrix of Latent Variables IM INTENT SNORM RD PRISK -------- -------- -------- -------- -------- -------IM 1.00 INTENT 0.55 1.00 SNORM 0.24 0.44 1.00 RD -0.04 0.22 -0.17 1.00 PRISK 0.04 0.31 0.16 1.11 1.00

PU

170

PU 0.13 0.55 0.53 0.33 0.38 1.00 PEOU 0.07 0.45 0.29 0.32 0.16 1.14 Covariance Matrix of Latent Variables PEOU -------PEOU 1.00

Goodness of Fit Statistics Degrees of Freedom = 192 Minimum Fit Function Chi-Square = 4336.79 (P = 0.0) Normal Theory Weighted Least Squares Chi-Square = 2774.11 (P = 0.0) Estimated Non-centrality Parameter (NCP) = 2582.11 90 Percent Confidence Interval for NCP = (2415.48 ; 2756.08) Minimum Fit Function Value = 13.10 Population Discrepancy Function Value (F0) = 7.80 90 Percent Confidence Interval for F0 = (7.30 ; 8.33) Root Mean Square Error of Approximation (RMSEA) = 0.20 90 Percent Confidence Interval for RMSEA = (0.19 ; 0.21) P-Value for Test of Close Fit (RMSEA < 0.05) = 0.00 Expected Cross-Validation Index (ECVI) = 8.75 90 Percent Confidence Interval for ECVI = (8.25 ; 9.28) ECVI for Saturated Model = 1.53 ECVI for Independence Model = 23.51 Chi-Square for Independence Model with 231 Degrees of Freedom = 7736.87 Independence AIC = 7780.87 Model AIC = 2896.11 Saturated AIC = 506.00 Independence CAIC = 7886.58 Model CAIC = 3189.22 Saturated CAIC = 1721.70 Root Mean Square Residual (RMR) = 0.20 Standardized RMR = 0.18 Goodness of Fit Index (GFI) = 0.57 Adjusted Goodness of Fit Index (AGFI) = 0.43 Parsimony Goodness of Fit Index (PGFI) = 0.43 Normed Fit Index (NFI) = 0.44 Non-Normed Fit Index (NNFI) = 0.34 Parsimony Normed Fit Index (PNFI) = 0.37 Comparative Fit Index (CFI) = 0.45 Incremental Fit Index (IFI) = 0.45 Relative Fit Index (RFI) = 0.33 Critical N (CN) = 19.36

The Modification Indices Suggest to Add the Path to from Decrease in Chi-Square New Estimate SNORM1 RD 26.0 0.13 SNORM1 PRISK 66.3 0.25 SNORM1 PU 20.1 -0.14 SNORM1 PEOU 25.3 -0.16 SNORM2 PU 20.4 0.15 SNORM2 PEOU 11.1 0.12 SNORM3 RD 49.5 -0.17 SNORM3 PRISK 47.7 -0.21 RD1 SNORM 44.9 0.40 RD1 PRISK 16.5 0.45 RD1 PU 11.9 0.20 RD3 SNORM 19.8 -0.48 RD3 PRISK 18.9 -1.25

171

PRISK1 SNORM 11.9 PRISK1 PU 61.3 PRISK1 PEOU 31.6 PRISK2 RD 13.3 PRISK2 PU 11.4 PRISK3 SNORM 62.2 PRISK3 PU 88.0 PRISK3 PEOU 92.1 PU1 SNORM 26.8 PU1 PEOU 8.5 PU2 PRISK 8.4 PU2 PEOU 40.5 PU3 PRISK 14.8 PU3 PEOU 18.4 PEOU1 SNORM 25.8 PEOU2 PRISK 16.7 PEOU4 SNORM 37.4 PEOU4 RD 21.4 PEOU4 PRISK 15.6 PEOU4 PU 9.0 IM INTENT 23.3 IM PU 39.8 IM PEOU 22.7

-0.14 -0.30 -0.24 0.30 0.13 0.41 0.46 0.52 0.35 -0.35 0.18 1.05 -0.33 -1.12 -0.27 0.22 0.36 -0.22 -0.23 0.28 1.01 0.50 0.39

The Modification Indices Suggest to Add an Error Covariance Between and Decrease in Chi-Square New Estimate IM2 IM1 12.1 0.21 IM3 IM2 8.3 -0.23 INTENT1 IM1 28.9 -0.15 INTENT2 IM1 19.2 0.13 INTENT2 IM2 15.2 -0.12 SNORM1 IM1 19.3 -0.12 SNORM1 INTENT1 26.6 0.07 SNORM2 IM1 16.5 0.13 SNORM2 INTENT1 27.1 -0.08 SNORM3 SNORM1 10.4 0.15 RD1 IM3 67.4 0.44 RD1 INTENT2 11.5 0.10 RD1 SNORM1 13.5 0.11 RD2 IM2 113.5 0.56 RD2 RD1 53.4 0.40 RD3 INTENT2 18.9 0.09 RD3 INTENT3 31.9 -0.11 RD3 SNORM2 30.0 -0.12 PRISK1 IM1 20.6 0.15 PRISK1 IM3 39.1 -0.19 PRISK1 INTENT3 11.4 0.06 PRISK1 RD1 18.8 -0.16 PRISK2 IM1 16.9 -0.14 PRISK2 IM3 9.3 0.10 PRISK2 SNORM1 10.7 0.06 PRISK2 SNORM2 9.9 0.06 PRISK2 SNORM3 25.5 -0.08 PRISK3 IM1 25.8 0.25 PRISK3 IM3 40.3 0.29 PRISK3 SNORM3 9.9 0.08 PRISK3 RD1 50.4 0.37 PRISK3 RD3 8.1 -0.10 PU1 IM2 24.5 0.27 PU1 IM3 13.7 0.19 PU1 INTENT2 30.0 -0.16 PU1 INTENT3 26.2 0.14 PU1 SNORM1 25.5 0.14 PU1 SNORM3 13.3 -0.10 PU1 RD2 28.0 0.28 PU1 RD3 10.9 -0.13 PU1 PRISK2 11.3 -0.11 PU1 PRISK3 57.6 0.37 PU2 IM1 13.8 0.18

172

PU2 PU2 PU2 PU2 PU2 PU2 PU2 PU3 PU3 PU3 PU3 PEOU1 PEOU1 PEOU1 PEOU1 PEOU1 PEOU1 PEOU1 PEOU1 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU2 PEOU3 PEOU3 PEOU3 PEOU3 PEOU3 PEOU3 PEOU3 PEOU4 PEOU4 PEOU4 PEOU4 PEOU4 PEOU4

IM2 INTENT2 INTENT3 RD2 PRISK2 PRISK3 PU1 IM1 IM3 PRISK1 PU1 IM1 INTENT1 INTENT3 SNORM1 SNORM2 RD3 PRISK2 PU3 IM1 IM2 IM3 INTENT2 INTENT3 SNORM2 RD3 PRISK1 PRISK2 PRISK3 PEOU1 IM1 INTENT2 PRISK3 PU2 PU3 PEOU1 PEOU2 IM3 PRISK2 PU1 PU3 PEOU2 PEOU3

63.0 17.0 22.7 25.1 29.3 49.7 87.5 20.7 35.5 10.7 38.9 20.9 10.2 8.7 62.4 14.2 46.0 35.7 33.6 27.6 9.0 24.5 17.0 40.0 8.1 55.9 63.0 13.8 19.5 35.4 8.7 11.2 11.0 8.0 10.3 21.1 14.0 24.5 8.7 20.7 10.9 12.7 126.8

0.39 -0.11 0.12 0.24 -0.17 0.31 0.48 -0.17 -0.21 0.08 -0.27 0.19 -0.07 0.06 -0.17 0.09 -0.22 0.16 0.25 0.21 -0.12 0.19 0.09 -0.13 0.07 0.25 -0.21 0.10 0.16 0.25 -0.14 0.09 -0.14 -0.13 0.13 -0.18 -0.15 0.25 -0.10 0.25 -0.13 -0.15 0.53

The Problem used 86856 Bytes (= 0.1% of Available Workspace) Time used: 0.234 Seconds

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L I S R E L 8.30 BY Karl G. Jöreskog & Dag Sörbom This program is published exclusively by Scientific Software International, Inc. 7383 N. Lincoln Avenue, Suite 100 Chicago, IL 60646-1704, U.S.A. Phone: (800)247-6113, (847)675-0720, Fax: (847)675-2140 Copyright by Scientific Software International, Inc., 1981-99 Use of this program is subject to the terms specified in the Universal Copyright Convention. Website: www.ssicentral.com The following lines were read from file F:\RANI\TESIS\DATASP~1\TAMX.SPL: Tesis Observed variables SNORM1-SNORM3 IM1-IM3 RD1-RD3 PRISK1-PRISK3 PU1-PU3 PEOU1-PEOU5 INTENT1-INTENT3 Correlation matrix from file rani1.cor Sample size 332 Latent variables SNORM IM RD PRISK PU PEOU INTENT Relationships SNORM1-SNORM3 = SNORM IM1-IM3 = IM RD1-RD3 = RD PRISK1-PRISK3 = PRISK PU1-PU3 = PU PEOU1-PEOU4 = PEOU INTENT1-INTENT3 = INTENT SNORM = INTENT SNORM PU = INTENT SNORM = IM IM PU = INTENT RD PU = INTENT PRISK PU = INTENT PEOU PU = INTENT PEOU = INTENT Options: AD=OFF Path diagram End of problem Sample Size = 332 W_A_R_N_I_N_G: Matrix to be analyzed is not positive definite, ridge option taken with ridge constant = 0.100 Tesis Covariance Matrix to be Analyzed SNORM1 SNORM2 SNORM3 IM1 IM2 -------- -------- -------- -------- -------- -------SNORM1 1.10 SNORM2 0.87 1.10 SNORM3 0.94 0.89 1.10 IM1 -0.17 -0.02 -0.14 1.10 IM2 0.02 -0.02 0.01 0.32 1.10 IM3 0.31 0.26 0.29 0.31 0.20 1.10 RD1 0.42 0.35 0.31 0.15 0.18 0.53

IM3

174

RD2 RD3 PRISK1 PRISK2 PRISK3 PU1 PU2 PU3 PEOU1 PEOU2 PEOU3 PEOU4 INTENT1 INTENT2 INTENT3

0.14 -0.07 0.23 0.30 0.46 0.45 0.13 0.29 -0.10 0.15 0.21 0.34 0.49 0.40 0.46

0.02 -0.24 0.08 0.14 0.41 0.39 0.22 0.46 0.19 0.33 0.25 0.42 0.29 0.29 0.36

0.02 0.37 0.66 -0.25 0.24 -0.09 -0.02 0.27 0.01 0.01 0.11 0.04 0.42 0.55 0.23 0.32 0.42 0.46 0.14 0.48 0.52 0.41 -0.03 -0.01 0.09 0.38 0.13 0.25 0.45 0.12 0.27 0.02 0.06 0.45 0.10 0.03 0.40 0.23 0.26 0.37 0.38 0.13 0.39 0.35 0.28

0.25 -0.18 -0.18 -0.01 0.48 0.56 0.33 -0.09 0.21 0.36 0.01 0.40 0.46 0.37 0.43

Covariance Matrix to be Analyzed RD1 RD2 RD3 PRISK1 PRISK2 PRISK3 -------- -------- -------- -------- -------- -------RD1 1.10 RD2 0.46 1.10 RD3 -0.02 0.28 1.10 PRISK1 0.14 0.44 0.73 1.10 PRISK2 0.28 0.43 0.73 0.85 1.10 PRISK3 0.48 0.37 0.30 0.49 0.55 1.10 PU1 0.21 0.36 -0.08 0.19 0.14 0.62 PU2 0.10 0.39 0.21 0.22 0.20 0.72 PU3 0.15 0.08 0.10 0.14 0.23 0.37 PEOU1 0.04 0.18 0.01 -0.05 0.16 0.34 PEOU2 0.11 0.17 0.36 0.04 0.28 0.60 PEOU3 0.15 0.10 0.10 0.06 0.09 0.18 PEOU4 0.10 -0.01 -0.22 -0.14 -0.17 0.23 INTENT1 0.17 0.17 0.24 0.29 0.34 0.68 INTENT2 0.28 0.11 0.21 0.16 0.22 0.58 INTENT3 0.16 0.19 0.00 0.17 0.17 0.53 Covariance Matrix to be Analyzed PU1 PU2 PU3 PEOU1 -------- -------- -------- -------- -------PU1 1.10 PU2 0.62 1.10 PU3 -0.01 0.40 1.10 PEOU1 0.16 0.44 0.72 1.10 PEOU2 0.13 0.58 0.63 0.71 PEOU3 0.03 0.29 0.59 0.33 PEOU4 0.37 0.27 0.31 0.24 INTENT1 0.56 0.57 0.23 0.27 INTENT2 0.41 0.48 0.32 0.35 INTENT3 0.61 0.60 0.17 0.32

PEOU2 --------

1.10 0.38 0.23 0.45 0.54 0.32

PEOU3

1.10 0.74 0.36 0.47 0.36

Covariance Matrix to be Analyzed PEOU4 INTENT1 INTENT2 INTENT3 -------- -------- -------- -------PEOU4 1.10 INTENT1 0.41 1.10 INTENT2 0.41 0.91 1.10 INTENT3 0.38 0.94 0.91 1.10 Tesis Number of Iterations = 48 LISREL Estimates (Maximum Likelihood) SNORM1 = 0.96*SNORM, Errorvar.= 0.17 , R² = 0.84 (0.055) (0.023) 17.67 7.46 SNORM2 = 0.90*SNORM, Errorvar.= 0.28 , R² = 0.74 (0.055) (0.028) 16.43 10.27

175

SNORM3 = 0.98*SNORM, Errorvar.= 0.14 , R² = 0.87 (0.055) (0.022) 17.95 6.43 IM1 = 0.63*IM, Errorvar.= 0.70 , R² = 0.36 (0.090) (0.081) 7.00 8.73 IM2 = 0.45*IM, Errorvar.= 0.90 , R² = 0.18 (0.077) (0.079) 5.79 11.35 IM3 = 0.52*IM, Errorvar.= 0.83 , R² = 0.24 (0.080) (0.078) 6.45 10.61 RD1 = 0.46*RD, Errorvar.= 0.89 , R² = 0.19 (0.088) (0.096) 5.24 9.30 RD2 = 0.99*RD, Errorvar.= 0.12 , R² = 0.89 (0.17) (0.31) 5.90 0.38 RD3 = 0.27*RD, Errorvar.= 1.03 , R² = 0.067 (0.070) (0.083) 3.84 12.33 PRISK1 = 0.88*PRISK, Errorvar.= 0.33 , R² = 0.70 (0.054) (0.053) 16.45 6.17 PRISK2 = 0.95*PRISK, Errorvar.= 0.19 , R² = 0.83 (0.054) (0.056) 17.77 3.37 PRISK3 = 0.59*PRISK, Errorvar.= 0.75 , R² = 0.32 (0.056) (0.063) 10.48 12.00 PU1 = 0.72*PU, Errorvar.= 0.58 , R² = 0.47 (0.068) (0.060) 10.50 9.71 PU2 = 0.85*PU, Errorvar.= 0.37 , R² = 0.66 (0.080) (0.061) 10.63 6.11 PU3 = 0.33*PU, Errorvar.= 0.99 , R² = 0.099 (0.065) (0.079) 5.07 12.51 PEOU1 = 0.46*PEOU, Errorvar.= 0.89 , R² = 0.19 (0.062) (0.073) 7.43 12.12 PEOU2 = 0.50*PEOU, Errorvar.= 0.85 , R² = 0.23 (0.061) (0.071) 8.16 11.93 PEOU3 = 0.86*PEOU, Errorvar.= 0.37 , R² = 0.67 (0.061) (0.059) 14.02 6.20 PEOU4 = 0.79*PEOU, Errorvar.= 0.48 , R² = 0.56 (0.060) (0.059) 13.24 8.17

176

INTENT1 = 0.97*INTENT, Errorvar.= 0.16 , R² = 0.85 (0.044) (0.020) 21.76 8.15 INTENT2 = 0.93*INTENT, Errorvar.= 0.24 , R² = 0.78 (0.046) (0.024) 20.26 9.96 INTENT3 = 0.97*INTENT, Errorvar.= 0.17 , R² = 0.85 (0.044) (0.020) 21.75 8.17

SNORM = - 0.40*IM + 0.71*INTENT, Errorvar.= 0.72, R² = 0.28 (0.12) (0.13) -3.22 5.57 IM = 0.66*INTENT, Errorvar.= 0.56, R² = 0.44 (0.11) 6.12 RD = 0.23*INTENT, Errorvar.= 0.95, R² = 0.052 (0.069) 3.27 PRISK = 0.32*INTENT, Errorvar.= 0.90, R² = 0.10 (0.061) 5.28 PU = 0.75*INTENT, Errorvar.= 0.44, R² = 0.56 (0.087) 8.59 PEOU = 0.55*INTENT, Errorvar.= 0.70, R² = 0.30 (0.068) 8.03 Correlation Matrix of Independent Variables INTENT -------1.00 Covariance Matrix of Latent Variables SNORM IM RD PRISK PU PEOU -------- -------- -------- -------- -------- -------SNORM 1.00 IM 0.07 1.00 RD 0.10 0.15 1.00 PRISK 0.14 0.21 0.07 1.00 PU 0.33 0.50 0.17 0.24 1.00 PEOU 0.24 0.36 0.12 0.18 0.41 1.00 INTENT 0.44 0.66 0.23 0.32 0.75 0.55 Covariance Matrix of Latent Variables INTENT -------INTENT 1.00 Goodness of Fit Statistics Degrees of Freedom = 202 Minimum Fit Function Chi-Square = 4662.22 (P = 0.0) Normal Theory Weighted Least Squares Chi-Square = 3091.43 (P = 0.0) Estimated Non-centrality Parameter (NCP) = 2889.43 90 Percent Confidence Interval for NCP = (2713.13 ; 3073.06) Minimum Fit Function Value = 14.09 Population Discrepancy Function Value (F0) = 8.73

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90 Percent Confidence Interval for F0 = (8.20 ; 9.28) Root Mean Square Error of Approximation (RMSEA) = 0.21 90 Percent Confidence Interval for RMSEA = (0.20 ; 0.21) P-Value for Test of Close Fit (RMSEA < 0.05) = 0.00 Expected Cross-Validation Index (ECVI) = 9.65 90 Percent Confidence Interval for ECVI = (9.12 ; 10.20) ECVI for Saturated Model = 1.53 ECVI for Independence Model = 23.51 Chi-Square for Independence Model with 231 Degrees of Freedom = 7736.87 Independence AIC = 7780.87 Model AIC = 3193.43 Saturated AIC = 506.00 Independence CAIC = 7886.58 Model CAIC = 3438.49 Saturated CAIC = 1721.70 Root Mean Square Residual (RMR) = 0.20 Standardized RMR = 0.18 Goodness of Fit Index (GFI) = 0.54 Adjusted Goodness of Fit Index (AGFI) = 0.42 Parsimony Goodness of Fit Index (PGFI) = 0.43 Normed Fit Index (NFI) = 0.40 Non-Normed Fit Index (NNFI) = 0.32 Parsimony Normed Fit Index (PNFI) = 0.35 Comparative Fit Index (CFI) = 0.41 Incremental Fit Index (IFI) = 0.41 Relative Fit Index (RFI) = 0.31 Critical N (CN) = 18.87 The Modification Indices Suggest to Add the Path to from Decrease in Chi-Square New Estimate SNORM1 RD 20.1 0.13 SNORM1 PRISK 65.8 0.24 SNORM3 PRISK 57.1 -0.22 IM1 SNORM 28.1 -0.36 IM1 RD 11.1 0.19 IM2 RD 86.5 0.54 IM2 PU 27.9 0.47 IM3 SNORM 38.9 0.39 IM3 PU 15.7 0.36 RD1 SNORM 43.5 0.37 RD2 IM 23.9 0.46 RD2 PRISK 10.5 0.18 RD2 PU 15.8 0.36 RD3 SNORM 13.3 -0.21 RD3 PRISK 120.0 0.66 PRISK1 PEOU 9.8 -0.14 PRISK2 IM 18.8 -0.22 PRISK2 PU 19.6 -0.21 PRISK3 SNORM 56.9 0.39 PRISK3 IM 133.9 0.73 PRISK3 RD 8.1 0.15 PRISK3 PU 173.9 0.76 PRISK3 PEOU 49.9 0.39 PU1 SNORM 19.3 0.24 PU1 IM 29.4 0.49 PU1 RD 9.4 0.15 PU2 SNORM 27.1 -0.26 PU2 IM 22.9 0.41 PU2 RD 15.0 0.18 PU3 SNORM 30.0 0.34 PU3 IM 22.9 -0.44 PU3 PEOU 87.0 0.67 PEOU1 IM 25.3 0.38 PEOU1 PU 21.2 0.32 PEOU2 IM 48.7 0.52 PEOU2 PRISK 18.9 0.25 PEOU2 PU 43.1 0.45 PEOU3 IM 48.5 -0.48 PEOU3 PU 23.8 -0.32 PEOU4 SNORM 22.1 0.23

178

PEOU4 RD PEOU4 PRISK IM RD IM PU RD IM RD PRISK RD PU PRISK RD PU IM PU RD

8.3 36.6 61.2 55.6 61.2 57.2 37.1 57.2 55.6 37.1

-0.14 -0.29 0.54 0.97 0.91 0.49 0.71 0.46 0.76 0.33

The Modification Indices Suggest to Add an Error Covariance Between and Decrease in Chi-Square New Estimate RD IM 61.2 0.51 PRISK RD 57.2 0.44 PU IM 55.6 0.43 PU RD 37.1 0.31 SNORM3 SNORM1 10.2 -0.21 SNORM3 SNORM2 17.7 0.22 IM1 SNORM1 22.3 -0.12 IM1 SNORM2 21.1 0.14 RD1 SNORM1 8.5 0.08 RD1 IM3 75.0 0.44 RD2 IM1 10.3 0.15 RD2 IM2 117.7 0.54 RD3 SNORM1 16.8 0.12 RD3 SNORM2 9.1 -0.10 RD3 SNORM3 21.5 -0.13 RD3 IM1 9.0 0.16 RD3 IM2 26.5 -0.28 RD3 IM3 29.8 -0.29 RD3 RD1 16.9 -0.32 RD3 RD2 9.9 0.54 PRISK1 IM1 29.1 0.18 PRISK1 IM3 50.0 -0.25 PRISK1 RD1 20.3 -0.16 PRISK1 RD2 11.6 0.11 PRISK1 RD3 18.6 0.16 PRISK2 SNORM1 22.2 0.08 PRISK2 SNORM3 30.3 -0.10 PRISK2 IM1 25.8 -0.17 PRISK2 RD3 23.4 0.18 PRISK2 PRISK1 115.7 2.32 PRISK3 SNORM3 21.6 0.11 PRISK3 IM1 22.0 0.21 PRISK3 IM3 44.3 0.31 PRISK3 RD1 41.1 0.30 PRISK3 RD3 8.8 -0.15 PRISK3 PRISK1 11.6 -0.25 PU1 SNORM1 30.4 0.13 PU1 SNORM3 9.4 -0.07 PU1 IM2 8.5 0.13 PU1 IM3 39.9 0.28 PU1 RD2 11.0 0.14 PU1 RD3 27.0 -0.24 PU1 PRISK3 13.2 0.15 PU2 SNORM1 26.3 -0.11 PU2 SNORM2 11.6 0.09 PU2 IM1 17.4 0.17 PU2 IM2 30.4 0.23 PU2 RD1 14.4 -0.16 PU2 RD2 21.8 0.18 PU2 RD3 8.2 0.12 PU2 PRISK3 25.0 0.19 PU3 SNORM1 17.5 -0.12 PU3 SNORM2 17.0 0.13 PU3 SNORM3 10.7 0.09 PU3 IM3 9.6 -0.17 PU3 PU1 50.1 -0.35

179

PU3 PU2 PEOU1 SNORM1 PEOU1 SNORM2 PEOU1 IM1 PEOU1 PRISK1 PEOU1 PRISK2 PEOU1 PRISK3 PEOU1 PU2 PEOU1 PU3 PEOU2 SNORM1 PEOU2 SNORM2 PEOU2 IM1 PEOU2 RD3 PEOU2 PRISK1 PEOU2 PRISK2 PEOU2 PRISK3 PEOU2 PU1 PEOU2 PU2 PEOU2 PU3 PEOU2 PEOU1 PEOU3 IM1 PEOU3 IM3 PEOU3 PRISK3 PEOU3 PU1 PEOU3 PU3 PEOU3 PEOU1 PEOU3 PEOU2 PEOU4 SNORM3 PEOU4 IM3 PEOU4 RD3 PEOU4 PRISK2 PEOU4 PU1 PEOU4 PU2 PEOU4 PU3 PEOU4 PEOU1 PEOU4 PEOU2 PEOU4 PEOU3 INTENT1 SNORM1 INTENT1 SNORM2 INTENT1 IM1 INTENT1 RD3 INTENT2 IM1 INTENT2 IM2 INTENT2 RD1 INTENT2 RD2 INTENT2 RD3 INTENT2 PU1 INTENT2 PU3 INTENT2 PEOU2 INTENT2 PEOU3 INTENT3 RD1 INTENT3 RD3 INTENT3 PRISK2 INTENT3 PRISK3 INTENT3 PU1 INTENT3 PU3 INTENT3 PEOU2

29.4 57.9 24.5 22.8 22.9 12.5 9.8 15.5 69.4 9.8 14.5 30.5 39.4 35.4 16.9 54.5 25.2 46.1 33.4 117.8 9.5 47.4 32.2 45.4 35.2 12.0 7.9 8.3 49.6 46.6 29.4 56.7 16.8 13.5 20.7 46.1 124.5 25.0 34.4 43.6 33.1 11.8 31.0 22.9 38.8 15.8 28.5 15.2 15.4 13.4 8.0 50.2 8.7 8.4 8.4 22.9 36.2

0.27 -0.20 0.15 0.24 -0.17 0.12 0.15 0.16 0.44 -0.08 0.12 0.27 0.33 -0.21 0.14 0.34 -0.22 0.28 0.30 0.56 -0.12 -0.28 -0.21 -0.24 0.25 -0.18 -0.15 0.06 0.30 -0.30 -0.15 0.28 -0.14 -0.16 -0.22 -0.34 0.96 0.07 -0.09 -0.17 0.16 0.10 -0.17 0.14 -0.17 0.12 -0.14 0.12 0.11 0.09 -0.07 -0.20 -0.05 -0.07 0.07 -0.13 -0.15

The Problem used 78152 Bytes (= 0.1% of Available Workspace) Time used: 0.191 Seconds

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Gozali,I., Fuad., Structural Equation Modelling. Teori Konsep dan Aplikasi, Badan Penerbit UNDIP, Semarang, Hall, D., Jones, R., Raffo, C

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