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