49

1. Uji Reabilitas X1

Case Processing Summary

N %

Cases Valid 40 100.0

Excludeda 0 .0

Total 40 100.0

a. Listwise deletion based on all variables in the

procedure.

Reliability Statistics

Cronbach's
Alpha N of Items

.795 7

2. Uji Reabilitas X2

Case Processing Summary

N %

Cases Valid 40 100.0

Excludeda 0 .0

Total 40 100.0

a. Listwise deletion based on all variables in the

procedure.

Reliability Statistics

Cronbach's
Alpha N of Items

.706 7
 50

3. Uji Reabilitas Y1

Case Processing Summary

N %

Cases Valid 40 100.0

Excludeda 0 .0

Total 40 100.0

a. Listwise deletion based on all variables in the

procedure.

Reliability Statistics

Cronbach's
Alpha N of Items

.641 8

4. Uji Reabilitas Y2

2. Case Processing Summary

N %

Cases Valid 40 100.0

Excludeda 0 .0

Total 40 100.0

a. Listwise deletion based on all variables in the

procedure.

Reliability Statistics

Cronbach's
Alpha N of Items

.577 8
 51

LAMPIRAN 4

HASIL UJI NORMALITAS, MULTIKOLINEARITAS, DAN HETEROSKEDASTISITAS

1. UJI NORMALITAS

One-Sample Kolmogorov-Smirnov Test

Unstandardized
Residual

N 40

Normal Parametersa Mean .0000000

Std. Deviation 3.99638378

Most Extreme Differences Absolute .080

Positive .040

Negative -.080

Kolmogorov-Smirnov Z .503

Asymp. Sig. (2-tailed) .962

a. Test distribution is Normal.

One-Sample Kolmogorov-Smirnov Test

Unstandardized
Residual

N 40

Normal Parametersa Mean .0000000

Std. Deviation 3.59808771

Most Extreme Differences Absolute .148

Positive .083

Negative -.148

Kolmogorov-Smirnov Z .938

Asymp. Sig. (2-tailed) .342

a. Test distribution is Normal.

 52

One-Sample Kolmogorov-Smirnov Test

Unstandardized
Residual

N 40

Normal Parametersa Mean .0000000

Std. Deviation 3.59808771

Most Extreme Differences Absolute .148

Positive .083

Negative -.148

Kolmogorov-Smirnov Z .938

Asymp. Sig. (2-tailed) .342

2. UJI MULTIKOLINEARITAS Y1

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method

1 Financial
Technology,
. Enter
Literasi
Keuangana

a. All requested variables entered.

b. Dependent Variable: Inklusi Keuangan

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate

1 .298a .089 .039 4.103

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

 53

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 60.628 2 30.314 1.801 .179a

Residual 622.872 37 16.834

Total 683.500 39

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

b. Dependent Variable: Inklusi Keuangan

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients Collinearity Statistics

Model B Std. Error Beta t Sig. Tolerance VIF

1 (Constant) 15.907 3.146 5.056 .000

Literasi Keuangan .098 .113 .140 .866 .392 .938 1.066

Financial Technology .216 .152 .230 1.421 .164 .938 1.066

a. Dependent Variable: Inklusi Keuangan

Collinearity Diagnosticsa

Variance Proportions

Dimensi Literasi Financial

Model on Eigenvalue Condition Index (Constant) Keuangan Technology

1 1 2.914 1.000 .00 .01 .01

2 .060 6.972 .06 .94 .21

3 .026 10.546 .93 .05 .78

a. Dependent Variable: Inklusi Keuangan

3. UJI MULTIKOLINEARITAS Y2

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method
 54

1 Financial
Technology,
. Enter
Literasi
Keuangana

a. All requested variables entered.

b. Dependent Variable: UMKM

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate

1 .125a .016 -.037 3.694

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 8.072 2 4.036 .296 .746a

Residual 504.903 37 13.646

Total 512.975 39

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

b. Dependent Variable: UMKM

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients Collinearity Statistics

Model B Std. Error Beta t Sig. Tolerance VIF

1 (Constant) 20.262 2.833 7.153 .000

Literasi Keuangan -.010 .102 -.016 -.095 .925 .938 1.066

Financial Technology .105 .137 .128 .763 .450 .938 1.066

a. Dependent Variable: UMKM

 55

Collinearity Diagnosticsa

Variance Proportions

Dimensi Literasi Financial

Model on Eigenvalue Condition Index (Constant) Keuangan Technology

1 1 2.914 1.000 .00 .01 .01

2 .060 6.972 .06 .94 .21

3 .026 10.546 .93 .05 .78

a. Dependent Variable: UMKM

4. UJI HETEROSKEDASTISITAS Y1

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method

1 Financial
Tecnology,
. Enter
Literasi
Keuangana

a. All requested variables entered.

b. Dependent Variable: RES2

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate

1 .202a .041 -.011 2.35604

a. Predictors: (Constant), Financial Tecnology, Literasi Keuangan

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 8.762 2 4.381 .789 .462a

Residual 205.383 37 5.551

Total 214.145 39
 56

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 8.762 2 4.381 .789 .462a

Residual 205.383 37 5.551

Total 214.145 39

a. Predictors: (Constant), Financial Tecnology, Literasi Keuangan

b. Dependent Variable: RES2

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients

Model B Std. Error Beta t Sig.

1 (Constant) 2.268 1.807 1.255 .217

Literasi Keuangan -.051 .065 -.129 -.776 .443

Financial Tecnology .101 .087 .191 1.150 .258

a. Dependent Variable: RES2

5. UJI HETEROSKEDASTISITAS Y2

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method

1 Financial
Technology,
. Enter
Literasi
Keuangana

a. All requested variables entered.

b. Dependent Variable: RES2

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate
 57

1 .466a .218 .175 1.88748

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 36.640 2 18.320 5.142 .011a

Residual 131.815 37 3.563

Total 168.455 39

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

b. Dependent Variable: RES2

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients

Model B Std. Error Beta t Sig.

1 (Constant) 5.260 1.447 3.634 .001

Literasi Keuangan .088 .052 .252 1.679 .102

Financial Technology -.215 .070 -.460 -3.064 .004

a. Dependent Variable: RES2

 58

LAMPIRAN 5

UJI PATH ANALYSIS

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method

1 Financial
Technology,
. Enter
Literasi
Keuangana

a. All requested variables entered.

b. Dependent Variable: Pencapaian Inklusi

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate

1 .298a .089 .039 4.10297

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 60.628 2 30.314 1.801 .179a

Residual 622.872 37 16.834

Total 683.500 39

a. Predictors: (Constant), Financial Technology, Literasi Keuangan

b. Dependent Variable: Pencapaian Inklusi

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients

Model B Std. Error Beta t Sig.

 59

1 (Constant) 15.907 3.146 5.056 .000

Literasi Keuangan .098 .113 .140 .866 .392

Financial Technology .216 .152 .230 1.421 .164

a. Dependent Variable: Pencapaian Inklusi

Regresi II

Variables Entered/Removedb

Variables Variables
Model Entered Removed Method

1 Pencapaian
Inklusi, Literasi
Keuangan, . Enter
Financial
Technologya

a. All requested variables entered.

b. Dependent Variable: Peningkatan Kinerja UMKM

Model Summary

Adjusted R Std. Error of the

Model R R Square Square Estimate

1 .446a .199 .132 3.37824

a. Predictors: (Constant), Pencapaian Inklusi, Literasi Keuangan,

Financial Technology

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 102.125 3 34.042 2.983 .044a

Residual 410.850 36 11.412

Total 512.975 39

a. Predictors: (Constant), Pencapaian Inklusi, Literasi Keuangan, Financial Technology

b. Dependent Variable: Peningkatan Kinerja UMKM

 60

Coefficientsa

Standardized
Unstandardized Coefficients Coefficients

Model B Std. Error Beta t Sig.

1 (Constant) 26.444 3.369 7.850 .000

Literasi Keuangan .028 .094 .047 .302 .765

Financial Technology .189 .129 .232 1.466 .151

Pencapaian Inklusi -.389 .135 -.449 -2.871 .007

a. Dependent Variable: Peningkatan Kinerja UMKM

 61

LAMPIRAN 6

UJI SEM – PLS