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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