INTERPRETASI

A. UJI KUALITAS DATA

1. Uji Validitas (Lolos)
R tabel ( n=265)
Df = n-2 = 265-2 = 263 jadi 0,1203
a. Marketing Mix (X1), Valid= sig < 0,05 (Valid)

X1.1 X1.2 X1.3 X1.4 X1.5

** ** **
X1.1 Pearson Correlation 1 .380 .191 .161 .195**
Sig. (2-tailed) .000 .002 .009 .001
N 265 265 265 265 265
** ** **
X1.2 Pearson Correlation .380 1 .337 .233 .172**
Sig. (2-tailed) .000 .000 .000 .005
N 265 265 265 265 265
X1.3 Pearson Correlation .191** .337** 1 .221** .280**
Sig. (2-tailed) .002 .000 .000 .000
N 265 265 265 265 265
** ** **
X1.4 Pearson Correlation .161 .233 .221 1 .464**
Sig. (2-tailed) .009 .000 .000 .000
N 265 265 265 265 265
** ** ** **
X1.5 Pearson Correlation .195 .172 .280 .464 1
Sig. (2-tailed) .001 .005 .000 .000
N 265 265 265 265 265
** * ** **
X1.6 Pearson Correlation .183 .141 .188 .251 .535**
Sig. (2-tailed) .003 .021 .002 .000 .000
N 265 265 265 265 265
X1.7 Pearson Correlation -.002 .096 .131* .180** .231**
Sig. (2-tailed) .980 .118 .034 .003 .000
N 265 265 265 265 265
X1.8 Pearson Correlation .000 -.019 .048 .100 .177**
Sig. (2-tailed) 1.000 .756 .439 .105 .004
N 265 265 265 265 265
*
X1.9 Pearson Correlation -.053 .044 .087 .142 .171**
Sig. (2-tailed) .386 .472 .157 .021 .005
N 265 265 265 265 265
**
X1.10 Pearson Correlation -.021 .080 .002 .177 .177**
Sig. (2-tailed) .740 .192 .972 .004 .004
 N 265 265 265 265 265
X1.11 Pearson Correlation -.034 .036 -.047 .103 .105
Sig. (2-tailed) .581 .554 .443 .096 .088
N 265 265 265 265 265
X1.12 Pearson Correlation -.027 .028 .025 .108 .080
Sig. (2-tailed) .667 .648 .686 .080 .196
N 265 265 265 265 265
X1.13 Pearson Correlation -.065 .015 -.056 -.018 .091
Sig. (2-tailed) .293 .802 .363 .776 .139
N 265 265 265 265 265
X1.14 Pearson Correlation .005 .000 -.066 -.051 .114
Sig. (2-tailed) .932 .999 .281 .407 .063
N 265 265 265 265 265
X1.15 Pearson Correlation -.073 -.058 -.067 -.104 -.014
Sig. (2-tailed) .233 .348 .280 .092 .815
N 265 265 265 265 265
** ** ** **
Marketing Mix (X1) Pearson Correlation .227 .324 .296 .394 .507**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 265 265 265 265 265
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).

b. Kebudayaan (X2) = sig < 0,05 (Valid)

Correlations
X2.1 X2.2 X2.3 X2.4 X2.5 X2.6
X2.1 Pearson Correlation 1 .441** .158** .131* .132* .114
Sig. (2-tailed) .000 .010 .033 .031 .065
N 265 265 265 265 265 265
X2.2 Pearson Correlation .441** 1 .378** .330** .228** .184**
Sig. (2-tailed) .000 .000 .000 .000 .003
N 265 265 265 265 265 265
** ** ** **
X2.3 Pearson Correlation .158 .378 1 .454 .184 .103
Sig. (2-tailed) .010 .000 .000 .003 .093
N 265 265 265 265 265 265
* ** ** **
X2.4 Pearson Correlation .131 .330 .454 1 .546 .472**
Sig. (2-tailed) .033 .000 .000 .000 .000
N 265 265 265 265 265 265
X2.5 Pearson Correlation .132* .228** .184** .546** 1 .800**
Sig. (2-tailed) .031 .000 .003 .000 .000
N 265 265 265 265 265 265
** ** **
X2.6 Pearson Correlation .114 .184 .103 .472 .800 1
Sig. (2-tailed) .065 .003 .093 .000 .000
N 265 265 265 265 265 265
X2.7 Pearson Correlation .025 -.009 -.035 .035 -.019 -.086
Sig. (2-tailed) .691 .890 .574 .572 .754 .163
N 265 265 265 265 265 265
Kebudayaan (X2) Pearson Correlation .483** .617** .541** .745** .739** .670**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000
N 265 265 265 265 265 265
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).

c. Persepsi (X3) = Sig < 0,05 (Valid)

d.
Correlations
X3.1 X3.2 X3.3 X3.4 X3.5 Persepsi (X3)
** ** ** **
X3.1 Pearson Correlation 1 .458 .187 .202 .204 .573**
Sig. (2-tailed) .000 .002 .001 .001 .000
N 265 265 265 265 265 265
X3.2 Pearson Correlation .458** 1 .357** .308** .240** .667**
Sig. (2-tailed) .000 .000 .000 .000 .000
N 265 265 265 265 265 265
X3.3 Pearson Correlation .187** .357** 1 .416** .210** .624**
Sig. (2-tailed) .002 .000 .000 .001 .000
N 265 265 265 265 265 265
** ** ** **
X3.4 Pearson Correlation .202 .308 .416 1 .604 .785**
Sig. (2-tailed) .001 .000 .000 .000 .000
N 265 265 265 265 265 265
** ** ** **
X3.5 Pearson Correlation .204 .240 .210 .604 1 .713**
Sig. (2-tailed) .001 .000 .001 .000 .000
N 265 265 265 265 265 265
Persepsi (X3) Pearson Correlation .573** .667** .624** .785** .713** 1
Sig. (2-tailed) .000 .000 .000 .000 .000
N 265 265 265 265 265 265
**. Correlation is significant at the 0.01 level (2-tailed).

e. Minat Menabung (Y) = Sig < 0,05 (Valid)

f.
Correlations
Minat Menabung
Y1 Y2 Y3 Y4 Y5 (Y)
** ** *
Y1 Pearson Correlation 1 .453 .237 .123 .052 .549**
Sig. (2-tailed) .000 .000 .045 .396 .000
N 265 265 265 265 265 265
** ** **
Y2 Pearson Correlation .453 1 .431 .300 .101 .675**
Sig. (2-tailed) .000 .000 .000 .102 .000
N 265 265 265 265 265 265
** ** ** *
Y3 Pearson Correlation .237 .431 1 .437 .141 .667**
Sig. (2-tailed) .000 .000 .000 .022 .000
N 265 265 265 265 265 265
Y4 Pearson Correlation .123* .300** .437** 1 .623** .775**
Sig. (2-tailed) .045 .000 .000 .000 .000
N 265 265 265 265 265 265
* **
Y5 Pearson Correlation .052 .101 .141 .623 1 .617**
Sig. (2-tailed) .396 .102 .022 .000 .000
N 265 265 265 265 265 265
** ** ** ** **
Minat Menabung (Y) Pearson Correlation .549 .675 .667 .775 .617 1
Sig. (2-tailed) .000 .000 .000 .000 .000
N 265 265 265 265 265 265
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).

2. Uji Reliabilitas = Alpha > 0,60

a. Marketing Mix (X1) = 0,757 > 0,60 (Reliabel)

Reliability Statistics
Cronbach's
Alpha N of Items
.757 15
 b. Kebudayaan (X2) = 0,667 > 0,60 (Reliabel)

Reliability Statistics
Cronbach's
Alpha N of Items
.667 7

c. Persepsi (X3) = 0,702 > 0,60 (Reliabel)

d.
Reliability Statistics
Cronbach's
Alpha N of Items
.702 5

e. Minat Menabung (Y) = 0,670 > 0,60 (Reliabel)

Reliability Statistics
Cronbach's
Alpha N of Items
.670 5

B. UJI ASUMSI KLASIK

1. Normalitas = Sig sebesar 0,200 > 0,05 artinya berdistribusi normal

One-Sample Kolmogorov-Smirnov Test

Unstandardized
Residual
N 265
a,b
Normal Parameters Mean .0000000
Std. Deviation 1.30716802
Most Extreme Differences Absolute .045
Positive .045
Negative -.025
Test Statistic .045
Asymp. Sig. (2-tailed) .200c,d
a. Test distribution is Normal.
b. Calculated from data.
 c. Lilliefors Significance Correction.
d. This is a lower bound of the true significance.

Terlihat bahwa titik-titik menyebar di sekitar garis dan mengikuti garis diagonal,
artinya berdistribusi normal.

2. Multikolinearitas
VIF > 0,10
a. X1 = 1.018 > 0,10 (tidak terjadi multiko)
b. X2 = 1.017 > 0,10 (tidak terjadi multiko)
c. X3 = 1.034 > 0,10 (tidak terjadi multiko)

Tolerance < 10
a. X1 = 0,983 <10 (tidak terjadi multiko)
b. X2 = 0,984 <10 (tidak terjadi multiko)
c. X3 = 0,967 < 10 (tidak terjadi multiko)

Coefficientsa
Standardized
Unstandardized Coefficients Coefficients Collinearity Statist
Model B Std. Error Beta t Sig. Tolerance VI
1 (Constant) 1.816 1.658 1.095 .274
Marketing Mix (X1) .055 .018 .138 3.015 .003 .983
Kebudayaan (X2) .184 .037 .231 5.044 .000 .984
Persepsi (X3) .500 .040 .578 12.518 .000 .967
a. Dependent Variable: Minat Menabung (Y)

3. Heterokedastisitas (Lolos)
Sig > 0,05 artinya tidak terdapat hetero
a. X1 = 0,246 > 0,05 (tidak terdapat hetero)
 b. X2 = 0,443 > 0,05 (tidak terdapat hetero)
c. X3 = 0,465 > 0,05 (tidak terdapat hetero)

4.
Coefficientsa
Standardized
Unstandardized Coefficients Coefficients
Model B Std. Error Beta t Sig.
1 (Constant) 1.707 1.021 1.671 .096
Marketing Mix (X1) -.013 .011 -.072 -1.162 .246
Kebudayaan (X2) .017 .023 .048 .768 .443
Persepsi (X3) -.018 .025 -.046 -.731 .465
a. Dependent Variable: Abs_RES

5.

6. Autokorelasi (Lolos)
Banyak X (k) = 3
Banyak data (n) = 265, yang mendekati 265 yakni 260 maka:
dl = 1,781
du = 1,812
Hasil Durbin-Watson

dl du 4 – dl 4 – du DW Keputusan
1,781 1,812 2,219 2,188 1,970 Tidak Ada Autokorelasi
Kesimpulan:

du < dw < 4-du

1,812 < 1,970 < 2,188 = tidak ada autokorelasi

Model Summaryb
Adjusted R Std. Error of the
Model R R Square Square Estimate Durbin-Watson
1 .680a .462 .456 1.31466 1.970
a. Predictors: (Constant), Persepsi (X3), Kebudayaan (X2), Marketing Mix (X1)
b. Dependent Variable: Minat Menabung (Y)

7.
C. UJI HIPOTESIS
1. Regresi linear berganda
Y = α + b1X1 + b2X2 + b3X3 + ε2

Y = 1,816 + 0,138 + 0,231 + 0,578 + ε2

Coefficientsa
Standardized
Unstandardized Coefficients Coefficients
Model B Std. Error Beta t Sig.
1 (Constant) 1.816 1.658 1.095 .274
Marketing Mix (X1) .055 .018 .138 3.015 .003
Kebudayaan (X2) .184 .037 .231 5.044 .000
Persepsi (X3) .500 .040 .578 12.518 .000
a. Dependent Variable: Minat Menabung (Y)

2. Koefisien determinasi
R2 = 0,462
= 46,2%
Sisa = 53,8 % (dijelaskan oleh variabel lain)

Model Summary
Adjusted R Std. Error of the
Model R R Square Square Estimate
1 .680a .462 .456 1.31466
a. Predictors: (Constant), Persepsi (X3), Kebudayaan (X2), Marketing
Mix (X1)
b. Dependent Variable: Minat Menabung (Y)

3. Uji t
Keputusan = Terima Ha, jika thitung > ttabel

thitung X1 = 3,015

thitung X2 = 5,044

thitung X3 = 12,518
 α
ttabel = ,n–k
2

0 , 05
= , 265 – 3
2

= 0,025 ; 262 ( memakai n= 200, karena mendekati 262)

= 1,972

Keputusan;
X1 = berpengaruh positif dan signifikan
3,015 > 1,972
0,003 < 0,05
X2 = berpengaruh positif dan signifikan
5,044 > 1,972
0,000 < 0,05
X3 = berpengaruh positif dan signifikan
12,518 > 1,972
0,000 < 0,05

Coefficientsa
Standardized
Unstandardized Coefficients Coefficients
Model B Std. Error Beta t Sig.
1 (Constant) 1.816 1.658 1.095 .274
Marketing Mix (X1) .055 .018 .138 3.015 .003
Kebudayaan (X2) .184 .037 .231 5.044 .000
Persepsi (X3) .500 .040 .578 12.518 .000
a. Dependent Variable: Minat Menabung (Y)

4. Uji f
Keputusan: Terima Ha, Jika nilai Fhitung > Ftabel

Fhitung = 74,763

Ftabel = F (α), (V1, V2)

= F (0,05), (p, n – p – 1)

= F (0,05), (3, 265 – 3 – 1)

 = F (0,05), (3, 261)

= 2,64

Jadi Fhitung > Ftabel

74,763 > 2,64 = berpengaruh secara simultan

Sig < 0,05 = 0,000 < 0,05

ANOVAa
Model Sum of Squares df Mean Square F Sig.
1 Regression 387.646 3 129.215 74.763 .000b
Residual 451.094 261 1.728
Total 838.740 264
a. Dependent Variable: Minat Menabung (Y)
b. Predictors: (Constant), Persepsi (X3), Kebudayaan (X2), Marketing Mix (X1)