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91

Lampiran 1 Instrumen Penelitian

No Kuesioner: _________

Kuesioner Penelitian Tesis

“Pengaruh Kesadaran Pensiun dan Faktor Demografi terhadap

Precautionary Motive dengan Perilaku Pengendalian Diri( self

control) dalam pengelolaan keuangan sebagai Variabel

Intervening”

92

Kuesioner Penelitian Tesis

Penyusunan pertanyaan dan pernyataan dalam

kuesioner ini digunakan untuk membantu penulis dalam

menyelesaikan Tesis sebagai syarat untuk memenuhi tugas

akhir sebagai mahasiswa Program Pascasarjana Magister

Manajemen Universitas Kristen Satya Wacana Salatiga dengan

judul “Pengaruh Kesadaran Pensiun dan Faktor Demografi

terhadap Precautionary Motive dengan Perilaku Pengendalian

Diri( self control) dalam pengelolaan keuangan sebagai Variabel

Intervening (Studi pada Pegawai Tetap Universitas Kristen

Satya Wacana Salatiga)”. Partisipasi Bpk/Ibu/Sdr-i,

merupakan kunci keberhasilan penelitian ilmiah ini. Atas

kerja sama serta bantuan Bpk/Ibu/Sdr-i, saya ucapkan

terima kasih.

Hormat Saya

Gracia M Matrutty

93

Profil Responden

Isilah titik-titik yang ada pada lembar jawaban berikut ini:

a. Umur :.................... tahun

b. Jenis Kelamin :Laki-laki/Perempuan

c. Lama Kerja : .................... tahun

d. Golongan : ....................

e. Pendidikan terakhir :

Diploma/S1/S2/..........

f. Pendapatan/bulan :

(i) Rp 1.000.000,00 – < Rp 2.000.000,00

(ii) Rp 2.000.000,00 – ≤ Rp 3.500.000,00

(iii) > Rp 3.500.000,00

g. Status Perkawinan :Sudah/Belum

h. Jumlah Anggota Keluarga :...................orang

i. Suami-Istri Bekerja :YA/TIDAK

j. Jumlah anak yang sudah bekerja:....................orang

94

Petunjuk Pengisian Kuesioner

Berikan pendapat Bpk/Ibu/Sdr-i dengan memberi tanda centang

(√) pada pilihan jawaban yang tersedia.

No. Pernyataan Tidak

Setuju

Kurang

Setuju

Ragu-

Ragu

Setuju Sangat

Setuju

I. Kesadaran Pensiun

1. Saya harus mengetahui dengan

baik cara perhitungan Rumus

Manfaat Pensiun yang ditetapkan

oleh Dana Pensiun Satya

Wacana.

2. Saya berpendapat bahwa

menyisihkan sebagian dari

pendapatan saat ini untuk

ditabung demi kepentingan masa

pensiun sangat perlu dilakukan.

3. Saya sudah harus melakukan

persiapan secara khusus seperti

melakukan investasi, menabung

dan mempersiapkan pekerjaan

tertentu setelah pensiun.

II. Self Control

4. Saya hanya akan memegang

uang tunai seperlunya saja

5. Saya mengeathui dengan baik

jumlah pendapatan dan

penegleuaran saya tiap waktu.

6. Saya cenderung untuk membuat

pos-pos anggaran untuk

95

kebutuhan keuangan saya.

7. Saya cenderung mengendalikan

setiap pengeluaran yang tidak

perlu.

8. Saya melakukan kegiatan

penghematan dengan

mengutamakan pengeluaran yang

lebih penting terlebih dahulu.

9. Saya lebih suka membiasakan

diri untuk menabung.

10. Saya harus menghindari kredit

untuk mengutamakan kebutuhan

yang lebih penting.

III. Precautionary Motive

11. Saya menyisihkan sebagian dari

penghasilan saya untuk

kebutuhan tak terduga dimasa

yang akan datang.

12. Saya melakukan setoran rutin

untuk kebutuhan tak terduga

13. Saya harus membatasi diri untuk

menggunakan dana darurat yang

disisihkan untuk kebutuhan tak

terduga.

Terima Kasih

GOD BLESS US

96

Lampiran 2 Karakteristik Responden

FD1_StatusPegawai

Frequency Percent Valid Percent Cumulative

Percent

Valid

Non Akademik 96 59.3 59.3 59.3

Akademik 66 40.7 40.7 100.0

Total 162 100.0 100.0

FD2_Umur

Frequency Percent Valid Percent Cumulative

Percent

Valid

22-40 Tahun 53 32.7 32.7 32.7

41-60 Tahun 108 66.7 66.7 99.4

61 Tahun ke atas 1 .6 .6 100.0

Total 162 100.0 100.0

FD3_JenisKelamin

Frequency Percent Valid Percent Cumulative

Percent

Valid

Perempuan 65 40.1 40.1 40.1

Laki-Laki 97 59.9 59.9 100.0

Total 162 100.0 100.0

97

FD4_LamaKerja

Frequency Percent Valid Percent Cumulative

Percent

Valid

Baru Bekerja 56 34.6 34.6 34.6

Cukup Lama Bekerja 52 32.1 32.1 66.7

Sudah Lama Bekerja 54 33.3 33.3 100.0

Total 162 100.0 100.0

FD5_Golongan

Frequency Percent Valid Percent Cumulative

Percent

Valid

IIa 8 4.9 4.9 4.9

IIb 8 4.9 4.9 9.9

IIc 8 4.9 4.9 14.8

IId 13 8.0 8.0 22.8

IIIa 35 21.6 21.6 44.4

IIIb 37 22.8 22.8 67.3

IIIc 15 9.3 9.3 76.5

IIId 19 11.7 11.7 88.3

IVa 8 4.9 4.9 93.2

IIIb 5 3.1 3.1 96.3

IVc 5 3.1 3.1 99.4

IVe 1 .6 .6 100.0

Total 162 100.0 100.0

98

FD6_PendidikanTerakhir

Frequency Percent Valid Percent Cumulative

Percent

Valid

SD 1 .6 .6 .6

SMP 2 1.2 1.2 1.9

SMA 41 25.3 25.3 27.2

Diploma 19 11.7 11.7 38.9

S1 28 17.3 17.3 56.2

S2 62 38.3 38.3 94.4

S3 9 5.6 5.6 100.0

Total 162 100.0 100.0

FD7_Pendapatan

Frequency Percent Valid Percent Cumulative

Percent

Valid

Rp 1.000.000 - < Rp

2.000.000 61 37.7 37.7 37.7

Rp 2.000.000 - </- Rp

3.500.000 46 28.4 28.4 66.0

> Rp 3.500.000 55 34.0 34.0 100.0

Total 162 100.0 100.0

FD8_StatusPerkawinan

Frequency Percent Valid Percent Cumulative

Percent

Valid

Belum Menikah 17 10.5 10.5 10.5

Sudah Menikah 144 88.9 88.9 99.4

11.00 1 .6 .6 100.0

Total 162 100.0 100.0

99

FD9_JumlahAnggotaKeluarga

Frequency Percent Valid Percent Cumulative

Percent

Valid

.00 9 5.6 5.6 5.6

1 17 10.5 10.5 16.0

2 35 21.6 21.6 37.7

3 60 37.0 37.0 74.7

4 27 16.7 16.7 91.4

5 12 7.4 7.4 98.8

6 1 .6 .6 99.4

7 1 .6 .6 100.0

Total 162 100.0 100.0

FD10_SuamiIstriBekerja

Frequency Percent Valid Percent Cumulative

Percent

Valid

Tidak 56 34.6 34.6 34.6

Ya 106 65.4 65.4 100.0

Total 162 100.0 100.0

FD11_JumlahAnakYgSudahBekerja

Frequency Percent Valid Percent Cumulative

Percent

Valid

Belum ada 125 77.2 77.2 77.2

1 orang 26 16.0 16.0 93.2

2 orang 8 4.9 4.9 98.1

3 orang 3 1.9 1.9 100.0

Total 162 100.0 100.0

100

Lampiran 3 Data Jawaban Responden

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

1 3 5 4 4 2 2 2 4 4 3 5 4 3

2 1 3 4 4 4 4 4 4 4 5 5 5 4

3 5 5 5 4 4 4 4 5 5 4 4 3 3

4 1 4 4 4 4 4 4 4 4 4 4 4 4

5 2 4 4 2 4 4 4 4 4 2 4 2 4

6 4 4 4 4 4 4 4 4 4 4 4 4 4

7 2 4 3 4 5 5 4 5 4 4 3 2 4

8 1 5 4 4 4 4 3 4 4 4 4 3 4

9 3 5 4 4 4 4 4 4 5 4 5 5 4

10 1 4 5 4 3 4 4 4 4 3 4 3 4

11 3 5 3 4 4 4 3 4 4 4 4 4 4

12 1 4 3 4 3 3 4 4 4 5 4 4 5

13 3 5 4 4 3 4 4 4 4 4 3 4 4

14 3 5 5 5 5 4 4 5 5 5 4 3 4

15 3 3 4 3 4 3 3 4 3 4 4 4 4

16 4 4 3 4 4 4 4 4 4 4 4 4 4

17 1 5 1 5 3 3 5 5 3 5 1 3 1

18 3 3 3 4 4 3 4 3 4 4 3 3 3

101

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

19 2 5 4 4 4 4 4 4 4 4 4 4 4

20 1 4 4 4 4 4 4 4 4 4 4 4 4

21 1 4 4 5 4 4 5 5 4 4 4 4 4

22 4 5 5 5 4 4 4 5 3 5 5 4 5

23 1 5 4 5 4 4 4 5 5 4 4 4 5

24 4 5 5 4 4 3 4 3 4 3 4 5 3

25 2 4 4 4 4 2 2 4 2 2 4 2 4

26 1 5 4 4 4 4 4 4 2 4 4 4 4

27 1 5 3 5 1 2 3 3 3 3 5 5 5

28 1 4 4 4 4 2 4 4 4 3 4 2 4

29 1 3 3 2 4 4 4 4 3 4 3 3 4

30 1 4 2 4 2 4 2 4 2 5 2 1 4

31 1 5 4 5 2 4 4 4 4 5 5 5 5

32 2 4 1 4 5 4 4 5 4 5 1 1 1

33 3 5 5 4 3 4 4 4 3 2 4 4 4

34 1 4 4 4 4 2 4 4 4 4 4 4 4

35 2 4 4 5 4 4 5 4 5 5 4 4 4

36 5 5 5 5 5 5 4 5 3 4 4 4 4

37 1 5 1 5 4 4 5 5 1 1 1 1 4

38 4 5 4 5 4 4 5 4 4 2 4 3 4

39 2 4 5 3 3 4 4 2 4 3 4 4 4

102

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

40 5 5 4 3 4 3 4 4 4 3 4 3 4

41 4 5 3 2 4 3 3 4 3 4 4 4 4

42 5 4 3 4 4 3 4 4 5 3 3 3 3

43 5 5 4 2 4 3 4 4 4 5 3 3 3

44 4 4 5 4 4 5 4 3 4 3 4 3 3

45 3 5 4 4 4 4 4 3 4 5 4 3 4

46 5 5 5 5 4 4 4 5 5 3 4 4 4

47 4 5 4 4 4 4 4 4 4 5 4 1 4

48 3 5 3 5 5 4 4 5 4 5 4 3 5

49 3 4 4 4 4 4 4 4 4 4 4 4 4

50 3 4 3 4 4 3 4 4 3 4 3 3 3

52 3 5 4 4 4 4 5 4 4 5 4 3 4

53 3 5 3 5 3 4 4 4 3 3 4 3 4

54 2 5 4 3 5 4 3 3 4 5 4 2 2

55 3 4 3 5 4 4 4 4 4 4 4 3 4

56 2 4 2 4 5 4 4 4 2 2 4 3 4

57 2 5 4 5 4 5 5 5 4 4 4 4 4

58 4 4 2 5 4 3 5 4 3 2 3 2 4

59 1 4 2 4 1 1 4 5 1 5 1 2 3

60 2 5 2 5 4 2 3 4 3 3 2 3 3

63 4 5 4 5 5 4 5 5 5 5 5 5 5

103

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

64 3 5 5 2 5 5 5 4 3 3 4 5 5

65 1 4 4 5 4 2 3 4 5 5 4 4 4

66 1 4 4 5 3 1 3 4 4 5 4 4 4

67 4 5 4 5 4 4 4 4 4 4 4 2 4

68 1 4 4 4 4 5 4 4 4 4 4 4 4

69 1 4 4 4 4 4 4 4 4 4 4 3 4

70 1 5 4 5 5 3 4 5 4 5 3 3 3

71 1 4 4 2 2 4 2 4 2 4 4 4 4

72 1 4 4 4 4 4 4 4 4 3 4 3 3

73 1 5 3 4 3 3 3 4 4 3 4 4 4

74 1 5 4 4 5 4 4 4 4 4 3 3 3

75 1 5 5 5 4 4 5 5 5 5 5 5 5

76 3 5 5 4 4 5 4 4 4 4 4 4 4

77 3 4 2 4 4 3 3 4 3 4 4 3 4

78 1 5 4 4 3 3 4 5 4 4 5 5 4

79 1 4 4 4 4 4 3 4 4 5 4 3 4

81 1 4 1 4 4 4 5 4 3 1 1 1 1

82 3 4 4 5 5 4 5 5 3 4 5 4 5

83 2 4 2 4 4 4 4 4 4 4 4 4 4

85 4 5 4 4 4 4 4 4 4 3 4 4 4

86 2 4 2 4 4 4 4 4 4 4 4 2 4

104

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

88 3 5 4 5 5 4 4 4 4 5 5 4 5

89 3 5 3 4 4 4 4 4 4 3 4 4 3

90 3 5 4 4 3 3 3 4 3 4 4 3 4

92 5 5 4 4 2 4 4 5 3 3 3 3 3

94 4 4 4 5 4 4 4 4 4 4 5 5 5

96 1 3 3 2 4 4 3 4 3 4 3 3 3

97 2 4 4 4 4 3 3 3 4 4 4 4 4

99 1 5 5 5 5 5 5 5 5 5 5 5 5

102 1 5 5 4 4 4 3 4 4 2 4 4 4

103 1 5 1 4 4 1 1 4 4 4 1 1 1

104 4 4 4 4 4 4 4 4 4 4 4 4 4

105 2 3 3 3 4 4 4 4 3 5 3 3 3

106 3 4 4 4 4 4 4 4 3 3 4 4 4

107 4 3 5 4 4 2 4 4 3 4 4 3 4

109 3 4 4 4 4 4 4 4 4 5 4 4 4

110 4 4 4 4 4 3 4 4 4 5 4 3 3

111 2 5 2 4 2 2 3 2 2 4 2 2 4

112 1 5 2 2 4 2 4 2 1 1 1 1 4

115 3 4 4 5 5 5 5 5 5 5 4 4 4

116 1 5 4 2 1 1 1 1 1 4 2 2 2

117 1 4 3 2 2 2 3 4 1 3 2 2 3

105

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

118 3 5 5 5 5 5 5 5 5 3 5 5 5

119 1 5 4 5 5 5 4 5 5 5 5 4 5

120 1 5 3 3 3 4 4 4 4 5 4 3 4

121 1 3 1 3 3 3 3 3 3 3 3 3 3

122 3 5 4 4 3 4 4 4 4 4 4 3 4

123 2 5 4 4 4 5 3 4 4 3 4 4 4

124 1 5 4 4 4 3 3 4 3 3 4 4 4

127 2 5 2 4 4 2 4 4 4 2 4 2 2

128 3 4 2 5 3 4 4 4 3 4 3 3 2

129 1 5 1 5 5 5 5 5 1 1 5 5 1

130 1 4 3 4 2 1 3 4 4 2 2 3 2

131 4 5 3 5 5 4 4 5 4 5 4 3 3

132 1 4 2 3 4 4 4 4 4 4 4 4 4

135 2 5 4 5 4 4 4 4 4 4 3 2 2

136 4 5 5 5 4 4 5 5 5 4 5 5 5

137 1 4 2 5 4 3 2 4 4 4 3 2 3

138 4 5 4 4 4 4 4 4 5 5 4 4 4

139 4 5 4 4 4 4 5 5 4 4 5 4 4

140 2 4 4 3 2 3 4 3 2 4 4 4 4

141 1 5 2 5 4 2 5 5 5 4 5 5 4

142 4 5 5 2 3 2 3 4 4 3 4 3 4

106

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

143 2 5 5 4 4 4 4 4 4 5 4 2 4

144 2 4 4 4 4 4 4 5 4 4 4 4 2

145 4 5 5 4 4 2 4 4 4 2 4 2 4

146 3 4 4 4 4 4 3 4 5 5 4 4 4

147 3 5 4 4 4 4 4 4 4 4 4 4 4

148 2 5 4 4 4 4 4 4 4 4 4 4 4

149 2 4 4 4 4 4 3 4 4 3 4 4 4

150 1 5 3 2 4 4 3 5 3 2 4 4 4

151 5 5 4 4 4 4 5 5 4 3 3 3 3

152 1 3 2 5 4 3 2 4 4 4 3 2 1

153 1 5 1 5 5 5 5 5 1 1 5 5 2

154 1 4 3 4 2 1 3 4 4 2 2 3 4

155 2 4 4 2 4 4 4 4 4 2 4 2 5

156 3 5 2 4 3 4 5 4 3 2 4 4 4

157 3 4 2 4 4 4 4 4 3 3 5 5 5

158 1 2 4 4 3 2 5 5 3 3 4 4 4

159 3 3 3 2 2 2 4 4 4 5 5 4 4

160 2 3 4 4 5 5 5 5 3 3 3 4 5

161 3 3 3 3 4 4 4 4 4 5 5 5 5

162 3 5 3 3 3 4 4 4 4 5 4 3 4

163 1 3 1 3 3 3 3 3 3 3 3 3 3

107

No

Kuesioner

Kesadaran

Pensiun

Self Control Precautionary

Motive

X1 X2 X3 X4 X5 X6 X7 X8 X9 X10 Y1 Y2 Y3

164 2 4 4 4 4 5 4 5 4 4 3 4 2

165 5 5 5 4 4 2 4 4 4 2 4 2 4

166 3 4 4 4 4 2 3 4 5 5 5 4 4

167 3 5 5 4 4 3 4 3 4 3 4 5 3

168 2 4 4 4 3 2 2 4 2 2 4 2 4

169 3 5 4 4 4 4 4 4 2 4 4 4 4

170 2 5 3 5 1 5 3 4 4 4 3 5 5

171 2 5 4 4 4 4 3 4 4 4 4 3 4

172 2 5 3 4 4 3 4 4 5 4 5 5 4

173 3 4 5 4 3 4 4 4 4 3 4 3 4

174 2 4 4 2 4 4 4 4 4 2 4 2 5

175 4 5 4 4 2 3 4 4 2 5 4 1 4

176 1 5 3 5 5 5 4 5 4 5 4 3 5

177 1 4 3 2 4 4 3 4 4 4 5 4 4

178 3 4 3 4 4 3 4 4 3 4 4 3 5

179 3 5 4 4 4 4 5 4 4 5 4 5 4

180 2 4 5 3 3 3 3 3 4 4 4 4 4

181 1 1 2 2 2 3 3 3 3 3 4 4 4

108

Lampiran 4 Uji Validitas dan Reliabilitas

a. Kesadaran Pensiun

Reliability Statistics

Cronbach's

Alpha

N of Items

.613 3

Item-Total Statistics

Scale Mean if

Item Deleted

Scale Variance

if Item Deleted

Corrected Item-

Total

Correlation

Cronbach's

Alpha if Item

Deleted

KP1 7.97 1.968 .384 .327

KP2 5.92 3.602 .270 .513

KP3 6.77 2.479 .372 .334

R tabel = 0,154 untuk df = 150 α = 0,05

109

b. Perilaku Pengendalian Diri (self control) dalam

Pengelolaan Keuangan

Reliability Statistics

Cronbach's

Alpha

N of Items

.705 7

Item-Total Statistics

Scale Mean if

Item Deleted

Scale Variance

if Item Deleted

Corrected Item-

Total

Correlation

Cronbach's

Alpha if Item

Deleted

SC1 22.65 10.824 .400 .676

SC2 22.86 10.280 .506 .649

SC3 23.06 10.090 .463 .659

SC4 22.80 10.884 .454 .664

SC5 22.53 11.145 .526 .655

SC6 22.96 10.452 .431 .668

SC7 22.88 11.259 .217 .732

R tabel = 0,154 untuk df = 150 α = 0,05

110

c. Precautionary Motive

Reliability Statistics

Cronbach's

Alpha

N of Items

.764 3

Item-Total Statistics

Scale Mean if

Item Deleted

Scale Variance

if Item Deleted

Corrected Item-

Total

Correlation

Cronbach's

Alpha if Item

Deleted

PM1 7.20 2.607 .723 .541

PM2 7.57 2.532 .585 .704

PM3 7.23 3.159 .499 .784

R tabel = 0,154 untuk df = 150 α = 0,05

111

Lampiran 5 Statistik Deskriptif

A. Kesadaran Pensiun

Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

KP1 162 1.00 5.00 2.3580 1.24420

KP2 162 1.00 5.00 4.4074 .71848

KP3 162 1.00 5.00 3.5617 1.06288

KesadaranPensiun 162 1.33 5.00 3.4422 .73476

Valid N (listwise) 162

B. Self Control

Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

SC1 162 2.00 5.00 3.9691 .87351

SC2 162 1.00 5.00 3.7593 .87623

SC3 162 1.00 5.00 3.5679 .97086

SC4 162 1.00 5.00 3.8272 .79267

SC5 162 1.00 5.00 4.0926 .65755

SC6 162 1.00 5.00 3.6667 .92582

SC7 162 1.00 5.00 3.7407 1.04884

SelfControl 162 1.57 5.00 3.8034 .53227

Valid N (listwise) 162

112

C. Precautionary Motive

Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

PM1 162 1.00 5.00 3.8025 .91121

PM2 162 1.00 5.00 3.4259 1.04439

PM3 162 1.00 5.00 3.7716 .90048

PrecautionaryMotive 162 1.00 5.00 3.6670 .78655

Valid N (listwise) 162

113

Lampiran 6 Uji Asumsi Klasik

a. Uji Normalitas Data

One-Sample Kolmogorov-Smirnov Test

KP_Total SC_Total PM_Total

N 162 162 162

Normal Parametersa,b

Mean 10.33 26.62 11.00

Std. Deviation 2.203 3.727 2.359

Most Extreme Differences

Absolute .102 .097 .177

Positive .102 .070 .163

Negative -.088 -.097 -.177

Kolmogorov-Smirnov Z 1.301 1.234 2.247

Asymp. Sig. (2-tailed) .068 .095 .082

a. Test distribution is Normal.

b. Calculated from data.

114

b. Uji Heterokedastisitas

115

c. Uji Multikolinearitas

Coefficientsa

Model Unstandardized

Coefficients

Standardized

Coefficients

T Sig. Collinearity Statistics

B Std. Error Beta Tolerance VIF

1

(Constan

t) 3.254 1.286

2.531 .012

KP_Total .249 .080 .232 3.096 .002 .900 1.112

SC_Total .194 .048 .307 4.090 .000 .900 1.112

a. Dependent Variable: PM_Total

116

Lampiran 7. Pengujian Hipotesis

a. Hasil Pengujian Hipotesis Pertama

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .345a .119 .108 2.22779

a. Predictors: (Constant), KP, FD1

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 106.874 2 53.437 11.767 .000b

Residual 789.126 159 4.963

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), KP, FD1

117

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 7.250 .845 8.583 .000

FD1 .495 .359 .103 1.738 .070

KP .344 .080 .321 4.305 .000

a. Dependent Variable: PM

b. Hasil Pengujian Hipotesis Kedua

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .340a .116 .105 2.23214

a. Predictors: (Constant), FD3, KP

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 103.794 2 51.897 11.316 .000b

Residual 792.206 159 4.982

Total 896.000 161

a. Dependent Variable: PM

118

b. Predictors: (Constant), FD3, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 7.177 .857 8.371 .000

KP .347 .080 .324 4.332 .000

FD3 .205 .359 .184 2.128 .026

a. Dependent Variable: PM

119

c. Hasil Pengujian Hipotesis Ketiga

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .397a .158 .147 2.17845

a. Predictors: (Constant), FD4, KP

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 141.440 2 70.720 14.902 .000b

Residual 754.560 159 4.746

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD4, KP

120

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 8.152 .863 9.441 .000

KP .364 .078 .340 4.667 .000

FD4 -.052 .017 -.222 -3.044 .003

a. Dependent Variable: PM

d. Hasil Pengujian Hipotesis Keempat

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .366a .134 .123 2.20870

a. Predictors: (Constant), FD6, KP

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 120.344 2 60.172 12.335 .000b

Residual 775.656 159 4.878

Total 896.000 161

121

a. Dependent Variable: PM

b. Predictors: (Constant), FD6, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 6.296 .966 6.515 .000

KP .327 .080 .306 4.097 .000

FD6 .275 .127 .162 2.166 .032

a. Dependent Variable: PM

e. Hasil Pengujian Hipotesis Kelima

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .356a .126 .115 2.21877

a. Predictors: (Constant), FD11, KP

122

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 113.252 2 56.626 11.502 .000b

Residual 782.748 159 4.923

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD11, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 7.540 .844 8.930 .000

KP .350 .079 .327 4.404 .000

FD11 -.479 .267 -.133 -1.791 .075

a. Dependent Variable: PM

123

f. Hasil Pengujian Hipotesis Keenam

Kesadaran Pensiun & Faktor Demografi 1(Status Pegawai)-Self Control

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .322a .104 .093 3.54980

a. Predictors: (Constant), FD1, KP

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 232.460 2 116.230 9.224 .000b

Residual 2003.571 159 12.601

Total 2236.031 161

a. Dependent Variable: SC

b. Predictors: (Constant), FD1, KP

124

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 21.183 1.346 15.739 .000

KP .544 .127 .322 4.272 .000

FD1 .353 .080 .330 3.992 .009

a. Dependent Variable: SC

Kesadaran Pensiun & Faktor Demografi 1(Status Pegawai)-Self Control-

Precautionary Motive

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .456a .208 .193 2.11892

a. Predictors: (Constant), SC, FD1, KP

125

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 186.611 3 62.204 13.854 .000b

Residual 709.389 158 4.490

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), SC, FD1, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 3.024 1.285 2.354 .020

FD1 .585 .342 .122 1.710 .089

KP .236 .080 .220 2.935 .004

SC .199 .047 .315 4.214 .000

a. Dependent Variable: PM

126

g. Hasil Pengujian Hipotesis Ketujuh

Kesadaran Pensiun & Faktor Demografi 3(Jenis Kelamin)-Self Control

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .360a .129 .118 3.49914

a. Predictors: (Constant), FD3, KP

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 289.235 2 144.618 11.811 .000b

Residual 1946.796 159 12.244

Total 2236.031 161

a. Dependent Variable: SC

b. Predictors: (Constant), FD3, KP

127

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 21.653 1.344 16.110 .000

KP .556 .125 .329 4.434 .000

FD3 -1.292 .562 -.171 -2.298 .023

a. Dependent Variable: SC

Kesadaran Pensiun & Faktor Demografi 1(Jenis Kelamin)-Self Control-

Precautionary Motive

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .461a .213 .198 2.11280

a. Predictors: (Constant), FD3, KP, SC

128

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 190.697 3 63.566 14.240 .000b

Residual 705.303 158 4.464

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD3, KP, SC

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 2.602 1.317 1.976 .050

KP .229 .080 .214 2.854 .005

SC .211 .048 .334 4.412 .000

FD3 .678 .345 .141 1.964 .051

a. Dependent Variable: PM

129

h. Hasil Pengujian Hipotesis Kedelapan

Kesadaran Pensiun & Faktor Demografi 4 (Lama Bekerja)-Self Control

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .320a .102 .091 3.55304

a. Predictors: (Constant), FD4, KP

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 228.801 2 114.400 9.062 .000b

Residual 2007.230 159 12.624

Total 2236.031 161

a. Dependent Variable: SC

b. Predictors: (Constant), FD4, KP

130

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 21.336 1.408 15.151 .000

KP .539 .127 .319 4.240 .000

FD4 .249 .080 .232 3.096 .002

a. Dependent Variable: SC

Kesadaran Pensiun & Faktor Demografi 4 (Lama Bekerja)-Self Control-

Precautionary Motive

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .487a .237 .223 2.08004

a. Predictors: (Constant), FD4, SC, KP

131

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 212.400 3 70.800 16.364 .000b

Residual 683.600 158 4.327

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD4, SC, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 4.140 1.289 3.212 .002

KP .263 .079 .245 3.343 .001

SC .188 .046 .297 4.050 .000

FD4 -.049 .016 -.209 -2.999 .003

a. Dependent Variable: PM

132

i. Hasil Pengujian Hipotesis Kesembilan

Kesadaran Pensiun & Faktor Demografi 6 (Pendidikan Terakhir)-Self

Control

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .322a .104 .093 3.55008

a. Predictors: (Constant), FD6, KP

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 232.138 2 116.069 9.210 .000b

Residual 2003.893 159 12.603

Total 2236.031 161

a. Dependent Variable: SC

b. Predictors: (Constant), FD6, KP

133

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

T Sig.

B Std. Error Beta

1

(Constant) 21.697 1.553 13.967 .000

KP .551 .128 .326 4.289 .000

FD6 .194 .048 .307 4.090 .000

a. Dependent Variable: SC

Kesadaran Pensiun & Faktor Demografi 6 (Pendidikan Terakhir)-Self

Control-Preacautionary Motive

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .475a .225 .211 2.09597

a. Predictors: (Constant), FD6, SC, KP

134

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 201.892 3 67.297 15.319 .000b

Residual 694.108 158 4.393

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD6, SC, KP

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 1.919 1.369 1.402 .163

KP .216 .080 .202 2.700 .008

SC .202 .047 .319 4.308 .000

FD6 .307 .121 .180 2.543 .012

a. Dependent Variable: PM

135

j. Hasil Pengujian Hipotesis Kesepuluh

Kesadaran Pensiun & Faktor Demografi 11 (Jumlah anak yg sudah bekerja)-

Self Control

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .318a .101 .090 3.55531

a. Predictors: (Constant), FD11, KP

ANOVAa

Model Sum of Squares Df Mean Square F Sig.

1

Regression 226.231 2 113.115 8.949 .000b

Residual 2009.800 159 12.640

Total 2236.031 161

a. Dependent Variable: SC

b. Predictors: (Constant), FD11, KP

136

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 21.149 1.353 15.631 .000

KP .535 .127 .316 4.205 .000

FD11 .241 .046 .381 5.209 .000

a. Dependent Variable: SC

Kesadaran Pensiun & Faktor Demografi 11 (Jumlah anak yg sudah bekerja)-

Self Control-Precautionary Motive

Model Summary

Model R R Square Adjusted R

Square

Std. Error of the

Estimate

1 .457a .209 .194 2.11780

a. Predictors: (Constant), FD11, KP, SC

137

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 187.356 3 62.452 13.924 .000b

Residual 708.644 158 4.485

Total 896.000 161

a. Dependent Variable: PM

b. Predictors: (Constant), FD11, KP, SC

Coefficientsa

Model Unstandardized Coefficients Standardized

Coefficients

t Sig.

B Std. Error Beta

1

(Constant) 3.479 1.284 2.710 .007

KP .247 .080 .231 3.091 .002

SC .192 .047 .303 4.065 .000

FD11 -.449 .255 -.125 -1.759 .081

a. Dependent Variable: PM

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