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. Jarang c. Cukup Sering d. Sering e. Sangat Sering 5. Jika pernah menggunakan Uang Elektronik untuk kegiatan transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya? a. Sangat Jarang b. Jarang c. Cukup Sering d. Sering e. Sangat Sering 6. Jika pernah menggunakan Kartu Kredit untuk kegiatan transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya? a. Sangat Jarang b. Jarang c. Cukup Sering d. Sering e. Sangat Sering 7. Jika pernah menggunakan Kartu Debit untuk kegiatan transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya? a. Sangat Jarang b. Jarang c. Cukup Sering d. Sering e. Sangat Sering 8. Jika pernah menggunakan Mobile Banking untuk kegiatan transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya? a. Sangat Jarang b. Jarang c. Cukup Sering d. Sering e. Sangat Sering 9. Jika pernah menggunakan Phone Banking untuk kegiatan transfer, bagaimana frekuensi Bapak/Ibu/Sdr menggunakannya? a. Sangat Jarang b. Jarang c. Cukup Sering d. Sering 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 b. Lebih higienis daripada memegang uang tunai c. Manajemen uang tunai menjadi lebih mudah d. Keamanan (tidak perlu membawa banyak uang tunai) e. Mempermudah transaksi f. Transaksi lebih nyaman (tidak perlu menyimpan uang recehan) g. Tidak mempertebal dompet 3. Hambatan yang Bapak/Ibu/Sdr temui dalam menggunakan alat pembayaran non tunai : a. Infrastrukturpembayaran (Mesin EDC electronic data capture) di penjualmasihterbatas
b. Jaringan telekomunikasi masih tidak stabil c. Kekhawatiran transaksi tidak berjalan dengan tuntas (settle) d. Kurang pemahaman atau keahlian dalam penggunaan alat pembayaran non tunai e. Keterjaminan perlindungan konsumen terhadap transaksi f. Mahalnya jaringan komunikasi 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 Cumulative 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 KR 02 Jeniskelamin Frequency Cumulative laki-laki 25 50,0 50,0 50,0 perempuan 25 50,0 50,0 100,0 KR 03 Statuskawin Frequency Cumulative belum kawin 16 32,0 32,0 32,0 Kawin 33 66,0 66,0 98,0 cerai mati 1 2,0 2,0 100,0
KR 04 Pendidikan Frequency Cumulative 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 KR 08 Penghasilan Frequency Cumulative 1 33 66,0 66,0 66,0 2 14 28,0 28,0 94,0 3 3 6,0 6,0 100,0 PE 01 Penggunaan Frequency Cumulative pernah 46 92,0 93,9 93,9 tidak 3 6,0 6,1 100,0 49 98,0 100,0 Missing System 1 2,0 50 100,0 PE 3 Atm Frequency Cumulative pernah 50 100,0 100,0 100,0
Uangelektronik Frequency Cumulative pernah 3 6,0 6,0 6,0 tidak 47 94,0 94,0 100,0 Kartukredit Frequency Cumulative pernah 36 72,0 72,0 72,0 tidak 14 28,0 28,0 100,0 Kartudebet Frequency Cumulative pernah 41 82,0 82,0 82,0 tidak 9 18,0 18,0 100,0 Mobilebanking Frequency Cumulative pernah 34 68,0 68,0 68,0 tidak 16 32,0 32,0 100,0 Phonebanking Frequency Cumulative pernah 23 46,0 46,0 46,0 tidak 27 54,0 54,0 100,0
Internetbanking Frequency Cumulative pernah 33 66,0 66,0 66,0 tidak 17 34,0 34,0 100,0 Cekgiro Frequency Cumulative pernah 31 62,0 62,0 62,0 tidak 19 38,0 38,0 100,0 P6 Frequency Cumulative 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 P7 Frequency Cumulative 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
P8 Frequency Cumulative Sangatjarang 2 4,0 4,0 4,0 Jarang 13 26,0 26,0 30,0 Cukupsering 1 2,0 2,0 32,0 Sering 13 26,0 26,0 58,0 Sangatsering 21 42,0 42,0 100,0 P9 Frequency Cumulative Sangatjarang 8 16,0 16,0 16,0 Jarang 20 40,0 40,0 56,0 Sering 12 24,0 24,0 80,0 Sangatsering 10 20,0 20,0 100,0 P10 Frequency Cumulative Sangatjarang 6 12,0 12,0 12,0 Jarang 11 22,0 22,0 34,0 Sering 21 42,0 42,0 76,0 Sangatsering 12 24,0 24,0 100,0
P11 Frequency Cumulative sangatjarang 5 10,0 10,0 10,0 jarang 14 28,0 28,0 38,0 sering 19 38,0 38,0 76,0 sangatsering 12 24,0 24,0 100,0 AH01 Frequency Cumulative ya 46 92,0 92,0 92,0 tidak 4 8,0 8,0 100,0 AH0201 Frequency Cumulative setuju 50 100,0 100,0 100,0 AH0202 Frequency Cumulative setuju 41 82,0 82,0 82,0 tidaksetuju 9 18,0 18,0 100,0 AH0203 Frequency Cumulative setuju 48 96,0 96,0 96,0 tidaksetuju 2 4,0 4,0 100,0
AH0204 Frequency Cumulative setuju 49 98,0 98,0 98,0 tidaksetuju 1 2,0 2,0 100,0 AH0205 Frequency Cumulative setuju 48 96,0 96,0 96,0 tidaksetuju 2 4,0 4,0 100,0 AH0206 Frequency Cumulative setuju 49 98,0 98,0 98,0 tidaksetuju 1 2,0 2,0 100,0 AH0207 Frequency Cumulative setuju 50 100,0 100,0 100,0 AH0301 Frequency Cumulative setuju 42 84,0 84,0 84,0 tidaksetuju 8 16,0 16,0 100,0
AH0302 Frequency Cumulative setuju 41 82,0 82,0 82,0 tidaksetuju 9 18,0 18,0 100,0 AH0303 Frequency Cumulative setuju 37 74,0 74,0 74,0 tidaksetuju 13 26,0 26,0 100,0 AH0304 Frequency Cumulative setuju 36 72,0 72,0 72,0 tidaksetuju 14 28,0 28,0 100,0 AH0305 Frequency Cumulative setuju 39 78,0 78,0 78,0 tidaksetuju 11 22,0 22,0 100,0
AH0306 Frequency Cumulative setuju 39 78,0 78,0 78,0 tidaksetuju 11 22,0 22,0 100,0 prospekapmk Frequency Cumulative sedikitperubahan 8 16,0 16,0 16,0 cukupbanyakperubahan 16 32,0 32,0 48,0 sangatbanyakperubahan 26 52,0 52,0 100,0 Count umur * PE04 Crosstabulation PE04 sangat jarang jarang cukup sering Sering sangat sering 1 0 0 0 0 1 1 2 5 4 3 6 4 22 umur 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 Pearson Chi-Square 12,804 a 16,687 Likelihood Ratio 12,530 16,707 Linear-by-Linear Association,039 1,843 N of Cases 50 a. 23 cells (92,0%) have expected count less than 5. The minimum expected count is,16. Count umur * PE05 Crosstabulation PE05 0 sangat jarang cukup sering sangat jarang sering sering 1 0 0 1 0 0 0 1 2 7 4 4 1 3 3 22 umur 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 Chi-Square Tests Pearson Chi-Square 19,632 a 20,481 Likelihood Ratio 20,399 20,433 Linear-by-Linear Association 1,180 1,277 N of Cases 50 a. 28 cells (93,3%) have expected count less than 5. The minimum expected count is,06.
Count umur * PE06 Crosstabulation PE06 sangat jarang jarang sering sangat sering 1 0 1 0 0 1 2 3 2 8 9 22 umur 3 0 4 7 8 19 4 2 0 1 3 6 5 1 1 0 0 2 6 8 16 20 50 Chi-Square Tests Pearson Chi-Square 17,952 a 12,117 Likelihood Ratio 18,864 12,092 Linear-by-Linear Association 1,059 1,304 N of Cases 50 a. 16 cells (80,0%) have expected count less than 5. The minimum expected count is,12. Count umur * PE07 Crosstabulation PE07 sangat jarang jarang sering sangat sering 1 0 1 0 0 1 2 2 3 6 11 22 umur 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 Pearson Chi-Square 24,480 a 12,017 Likelihood Ratio 19,498 12,077 Linear-by-Linear Association,088 1,767 N of Cases 50 a. 16 cells (80,0%) have expected count less than 5. The minimum expected count is,04. Count umur * PE08 Crosstabulation PE08 sangat jarang jarang cukup sering sering sangat sering 1 0 1 0 0 0 1 2 2 5 0 7 8 22 umur 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 Chi-Square Tests Pearson Chi-Square 12,954 a 16,676 Likelihood Ratio 14,195 16,584 Linear-by-Linear Association,202 1,653 N of Cases 50 a. 21 cells (84,0%) have expected count less than 5. The minimum expected count is,02.
Count umur * PE09 Crosstabulation PE09 sangat jarang\ jarang sering sangat sering 1 0 1 0 0 1 2 4 9 3 6 22 umur 3 3 7 5 4 19 4 1 3 2 0 6 5 0 0 2 0 2 8 20 12 10 50 Chi-Square Tests Pearson Chi-Square 11,140 a 12,517 Likelihood Ratio 12,133 12,435 Linear-by-Linear Association,197 1,657 N of Cases 50 a. 17 cells (85,0%) have expected count less than 5. The minimum expected count is,16. Count umur * PE10 Crosstabulation PE10 sangat jarang jarang sering sangat sering 1 0 1 0 0 1 2 3 5 7 7 22 umur 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 Pearson Chi-Square 7,476 a 12,825 Likelihood Ratio 7,541 12,820 Linear-by-Linear Association,546 1,460 N of Cases 50 a. 17 cells (85,0%) have expected count less than 5. The minimum expected count is,12. Count umur * PE11 Crosstabulation PE11 sangat jarang jarang sering sangat sering 1 0 0 0 1 1 2 2 8 7 5 22 umur 3 1 5 9 4 19 4 2 0 2 2 6 5 0 1 1 0 2 5 14 19 12 50 Chi-Square Tests Pearson Chi-Square 11,224 a 12,510 Likelihood Ratio 11,953 12,449 Linear-by-Linear Association,041 1,840 N of Cases 50 a. 15 cells (75,0%) have expected count less than 5. The minimum expected count is,10.
Count penghasilan * PE04 Crosstabulation PE04 sangat jarang Jarang cukup sering sering sangat sering 1 7 7 6 8 5 33 Penghasilan 2 1 2 2 7 2 14 3 0 1 1 0 1 3 8 10 9 15 8 50 Chi-Square Tests Value Df Asymp. Sig. (2- Pearson Chi-Square 6,481 a 8,593 Likelihood Ratio 7,475 8,486 Linear-by-Linear Association 1,507 1,220 N of Cases 50 a. 10 cells (66,7%) have expected count less than 5. The minimum expected count is,48. Count penghasilan * PE05 Crosstabulation PE05 0 sangat jarang jarang cukup sering sering sangat sering 1 9 7 7 2 5 3 33 Penghasilan 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 Pearson Chi-Square 6,672 a 10,756 Likelihood Ratio 8,381 10,592 Linear-by-Linear Association,875 1,349 N of Cases 50 a. 14 cells (77,8%) have expected count less than 5. The minimum expected count is,18. Count penghasilan * PE06 Crosstabulation PE06 sangat jarang jarang sering sangat sering 1 4 4 12 13 33 Penghasilan 2 2 4 4 4 14 3 0 0 0 3 3 6 8 16 20 50 Chi-Square Tests Pearson Chi-Square 6,962 a 6,324 Likelihood Ratio 7,766 6,256 Linear-by-Linear Association N of Cases 50,068 1,794 a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is,36.
Count penghasilan * PE07 Crosstabulation PE07 sangat jarang jarang sering sangat sering 1 1 3 13 16 33 Penghasilan 2 1 4 3 6 14 3 0 0 1 2 3 2 7 17 24 50 Chi-Square Tests Pearson Chi-Square 4,885 a 6,559 Likelihood Ratio 5,015 6,542 Linear-by-Linear Association,264 1,607 N of Cases 50 a. 9 cells (75,0%) have expected count less than 5. The minimum expected count is,12. Count penghasilan * PE08 Crosstabulation PE08 sangat jarang jarang cukup sering sering sangat sering 1 2 7 0 8 16 33 Penghasilan 2 0 6 0 3 5 14 3 0 0 1 2 0 3 2 13 1 13 21 50
Chi-Square Tests Pearson Chi-Square 23,080 a 8,003 Likelihood Ratio 14,897 8,061 Linear-by-Linear Association,539 1,463 N of Cases 50 a. 11 cells (73,3%) have expected count less than 5. The minimum expected count is,06. Count penghasilan * PE09 Crosstabulation PE09 sangat jarang\ jarang sering sangat sering 1 6 14 8 5 33 Penghasilan 2 2 5 3 4 14 3 0 1 1 1 3 8 20 12 10 50 Chi-Square Tests Pearson Chi-Square 2,067 a 6,913 Likelihood Ratio 2,467 6,872 Linear-by-Linear Association 1,517 1,218 N of Cases 50 a. 7 cells (58,3%) have expected count less than 5. The minimum expected count is,48.
Count penghasilan * PE10 Crosstabulation PE10 sangat jarang jarang sering sangat sering 1 1 10 13 9 33 Penghasilan 2 4 1 7 2 14 3 1 0 1 1 3 6 11 21 12 50 Chi-Square Tests Pearson Chi-Square 10,780 a 6,095 Likelihood Ratio 11,581 6,072 Linear-by-Linear Association,665 1,415 N of Cases 50 a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is,36. Count penghasilan * PE11 Crosstabulation PE11 sangat jarang jarang sering sangat sering 1 5 12 9 7 33 Penghasilan 2 0 2 9 3 14 3 0 0 1 2 3 5 14 19 12 50
Chi-Square Tests Pearson Chi-Square 11,164 a 6,083 Likelihood Ratio 12,645 6,049 Linear-by-Linear Association 6,884 1,009 N of Cases 50 a. 8 cells (66,7%) have expected count less than 5. The minimum expected count is,30.