LAMPIRAN-LAMPIRAN Lampiran 1, Kuesioner Penelitian Yth. Bapak/Ibw/Sdr/i Jepara, 30 Desember 2019 Di tempat. Dengan hormat, Sehubungan dengan penyelesaian tugas akhir skripsi untuk memenuhi persyaratan dalam memperoleh gelar Strata 1 (SI) pada Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama’ Jepara, maka peneliti dengan judul “PENGARUH LITERASI KEUANGAN, FINANCIAL TECHNOLOGY (FINTECH) TERHADAP KINERJA KEUANGAN UMKM”. Saya betharap kesediaan Bapak/Ibu untuk menjadi responden dalam penelitian ini dengan cara mengisi kuesioner ini secara lengkap sesuai dengan keadaan yang sebenamya Mengingat kualitas penelitian ini sangat bergantung pada jawaban yang Saudara berikan, Maka dari itu, mohon menjawab kuesioner ini sesuai yang dialami, Sesuai dengan kode etik penelitian, semua data yang masuk akan dijamin kerahasiaannya. Saya yang bertanda tangan dibawah ini Nama : Anna Safitri NIM + 161110001948 Program Studi/Jurusan Manajemen/ Manajemen Keuangan Kesediaan Saudara dalam mengisi kuesioner ini merupakan bantuan yang sangat berarti. Atas segala bantuan dan partisipasi Saudara dalam pengisian kuesioner ini saya ucapkan terima kasih. Hormat saya, Anna Safitri CP. 082247030931 8788 PETUNJUK PENGISIAN KUESIONER Berilah tanda checklist (¥) pada jawaban yang anda pilih di lembar yang telah disediakan. Pilihlah jawaban yang sesuai dengan pe rasan, pendapat dan keadaan Bapak/Ibw/Sdi/i yang sebenarnya. Pilihan Jawaban Keterangan Skor TS Tidak Setuju 2 cS ‘Cukup Setuju Ss Setuju 4 SS Sangat Setuju 3 Contoh : No. Pernyat: o. ernyataan ois ws T, | Pengetahuan keuangan _sangat penting bagi setiap orang/individu. qv Dengan jawaban demikian, artinya Saudara setuju dengan peryataan tersebut, sehubungan sesuai dengan pendapat Saudara. Dalam menjawab pemyataan-pemyataan ini, tidak ada jawaban yang salah, Oleh sebab itu, Saudara isi dengan tidak ada peryataan jawaban yang dikosongkan89 KARAKTERISTIK RESPONDEN Berilah tanda checklist (1) sesuai jawaban yang anda pilih Nama Umur Jenis Kelamin () Lakitaki ()Perempuan Nama Usaha Lama Usaha Tingkat Pendidikan :( —) SD/Sederajat () SMP/Sederajat (_) SMA/Sederajat (-) D3/S1/S2/S3 ( ) Lainnya Pendapatanibulan —:(_) Rp. 0—Rp. 100.000 (_) Rp. 1000.00 - Rp. 3000.00 (Rp. 3000.000 — Rp. 5000.000 (> Rp. $000,0001. KINERJA KEUANGAN UMKM. 90 No. Pernyataan Pilihan Jawaban 1s cs s ss Dalam menjalankan usaha ini, selalu ‘memiliki kecukupan modal Usaha int mampu membayar utang usaha dan kegiatan usaha di setiap saat. Usaha int _mampumenghasilkan keuntungan/laba disetiap penjualan. FINANCIAL BEHAVIOR (PERILAKU KEUANGAN) Pernyataan Pilihan Jawaban STS Ts cs Ss Saya selalu membayar utang usaha secara tepat waktu. Saya membuat catatan keuangan untuk mengatur keluar masuknya keuangan. Saya melakukan _pemeriksaan Keuangan secara periodik. 4. [Saya selala menabung secara periodik. 3. [Saya menyediakan dana untuk kepentingan darurat3. FINANCIAL ATTITUDE (SIKAP KEUANGAN) a1 N Pernyatas Pilihan Jawaban “ srnyaaan sts] Ts | cs | S | ss 1 Saya selalu melakukan kontrol pengeluaran keuangan usaba. 2, [Saya selalu menabung di setiap waktu (minggu/bulan/tahun). 3. [Saya selalu_membandingkan manfaat pelayanan suatu bank (lembaga -keuangan) guna mendapatkan pelayanan yang paling baik. 4, [Sclain menabung, saya selalu menyisihkan dana cadangan untuk kebutuhan darurat 3. | Saya selalu menetapkan dana sesuai tujuan dan anggaran 4, FINANCIAL KNOWLEDGE (PENGETAHUAN KEUANGAN) No Pernyataan Pilihan Jawaban ~~ ‘ sts | Ts | cs Ss ss T. | Saya ‘dapat melakukan penganggaran yang tepat dalam menjalankan usaha, 2 [Saya mampu melaksanakan kebijakan keuangan yang tepat bagi usaha ini. 3. [Saya mengambil_kredit dari bank/lembaga keuangan _lainnya untuk menambah modal usaha. 4, [Saya selalu menyisihkan sebagian pendapatan untuk —_ditabung/ diinvestasikan, 3. [Saya selalu _mempertimbangkandampak/risiko di setiap keputusan keuangan yang saya buat. 92 5. FINANCIAL TECHNOLOGY (TEKNOLOGI KEUANGAN) Pilihan Jawaban No. Pernyataan . sts [Ts [ cs [ Ss | ss T. | Fintechiinovast teknologi _mampu ‘meningkatkan pendapatan usaha, 2. | Fintech (SMS Banking, M-Banking, E-Banking) sangat membantu usaha ini di setiap transaksi, Fintech mampu_ menjangkau konsumen lebih Iuas dan menaikkan jumlah pelanggan. Fintech (SMS Banking, M-Banking, E-Banking) memberikan kemudahan transaksi lebih efektif dan efisien dalam menjalankan usaha ini.93 Lampiran 2, Hasil Kuesioner Financial Behavior Jumlah 15 19 20 16 19. 22 19 16 18. 15 4 20 14 15 14 7 18 7 19 17 18. 18. 17 20 13 19. 16 17 21 20 18 16 14 17. XLS X14 Financial Behavior (X1) X12 | x13 XL Responden 10 WW 12 1B 14 15 16 7 18 19 20 21 22 24 25 26 27 28 29 30 32. 3494 17 14 18. 19) 7 15 12 14 7 17 18. 23 18 15 7 20 17 22 15 15 14 20 16 7 14 16 14 18. 19 22 16 18 15 16 16 7 20 37 38 40 ay 42 46 47 48 49 50 51 54 55 56 57 58. 59 60 61 62 63 65 66 67 68 69 70 1 2 74 Bs95 22 12 11 14 12 12 13 12 12 12 17 13 12 10 12 14 16 11 8 79 80 81 82 83 84 86 87 88 89 90 1 9296 Jumlah 20 16 19 19, 2B 16 12 16 19 10 7 16 16 17 12 15 16 14 18 15 14 18 14 15 13 19) 14 13 14 19) X25 4 4 X24 3 Financial Attitude (X2) X22 Lampiran 3, Hasil Kuesioner Financial Attitude Responden 10 il 12 13, 14 15 16 17 18 19) 20 21 24 25 28 29 337 17 14 16 12 15 12 16 16 u 16 16 20 18 1B 16 16 19 19 14 14 14 18 17 19 19 9 1B 14 19. 19 19) 13 16 i 14 2 37 40 41 43 45 46 47 48 49 50 52 34 55 56 37 58. 60 61 62 65 66 67 68 69 70 UU 74 1598 15 12 12 10 16 WW 16 12 18 14 2 13 1B 16 16 11 B 79 80 81 82 84 85 86 87 88 89 90 91 92Lampiran 4, Hasil Kuesioner Financial Knowledge Financial Knowledge (%3 Responden S37] x32 | X33 Sa 2 as | mah 1 3 4 4 4 4 9 2 4 3 3 3 3 16 3 3 4 4 4 4 21 4 4 3 3 4 3 19 3 3 4 3 1 4 15 6 5 4 4 4 4 21 7 4 3 5 1 3 16 8 3 3 3 3 3 15 9 4 3 3 4 3 7 10 4 3 4 3 3 7 ul 3 2 3 3 1 2 12 3 3 3 3 3 15 3B 4 2 4 5 2 7 4 2 3 2 1 3 i 5 4 3 3 3 3 16 16 3 2 3 3 2 B 7 4 3 3 4 3 7 18 4 3 3 3 3 16 19 3 4 4 3 3 19 20 3 4 4 4 4 9 21 3 3 4 3 3 16 2 4 4 4 4 4 20 B 4 3 4 4 3 18 24 4 3 3 4 3 7 25 4 3 5 4 3 9 26 3 3 2 2 3 1B 27 5 3 4 4 3 19 2B 4 2 3 3 2 4 29 4 4 2 4 4 18 30 3 4 4 3 4 20 31 4 3 3 2 3 15 32 4 4 4 5 4 21 33 5 3 4 3 3 18 34 4 2 3 3 2 4100 16 19) 15 16 20 12 14 B 20 23 22 18, 17 18, 20 20 14 B 16 21 19) 14 12 14 16 15 7 20 16 16 14 36 37 38, 39 40 41 42 a 45 46 47 48 49 50 51 52 34 55 56 37 58 59 60 61 62 63 4 65 66 67 68 69 70 nl101 15 14 21 18, 15 14 17 14 14 16 16 18 B 20 19 10 14 18 R B 7” 15 76 77 78 9 80 81 82 33 84 85 36 87 88 89) 90 o1 92Lampiran 5. Hasil Kuesioner Financial Technology Financial Technology (XA) Responden (ay [x42 | X43_| Xaa_| Jumlah 1 2 3 2 3 10 2 3 4 3 4 14 3 3 4 2 5 14 4 3 4 2 4 13 3 3 4 4 5 16 6 3 3 2 3 ul 7 2 2 2 2 8 8 3 4 3 4 14 9 2 3 2 3 10 10 2 3 2 3 10 1 2 2 2 2 8 12 1 2 1 2 6 13 2 3 1 4 10 14 2 2 2 2 8 15 3 2 1 2 8 16 2 3 2 3 10 17 3 4 3 4 14 18 3 3 2 3 1 19 3 4 3 5 15 20 4 5 3 4 16 21 3 3 3 4 1B 22 2 2 2 2 8 23 2 3 2 3 10 2 2 2 2 3 9 25 2 2 3 3 10 26 2 3 3 3 ul 27 2 2 2 3 9 28 3 4 3 5 15 29 2 3 2 3 10 30 2 4 3 4 3 31 3 3 3 4 13 32 2 2 3 3 10 33 2 3 2 3 10 34 2 3 2 2 9 102103 15 15 i 10 14 10 1 il 14 14 il 10 12 15 il 12 12 15 15 14 10 14 15 36 39 40 4 2 4 45 46 47 48 49 50. 52 58 60 61 62 65 66 67 68 69 70 n104 B 12 15 12 3 16 15 10 1 10 10 15 R 73 74 76 77 78 79 80 81 82 84 85 86 87 88 89 90 1 92Lampiran 6, Hasil Kuesioner Kinerja Kenangan Kinerja Keuangan (¥) Responden [af yg] Juma 1 3) 4 [4 i 2 3 3 4 10 3 4 4 5 13. 4 3 4 4 ll 5 -[3 [4 1 6 4[4]5 1B 7 3 5 4 12 8 3 3 4 10 9 3 [3 |4 10 10 3 | 4 [4 1 1 2 3 3 8 12 3 3 3 9 3 2 [3 |4 9 4 2 [213 7 1s 3 3 4 10 16 2 3 3 8 7 3) 3 | 4 10 18 3 [3 [4 10 19 4 4 5 13 20 4 4 4 12 21 3 4 3 10 22 4 [413 1 23 3 4 4 i 24 3 3 4 10 25 3 4 4 1 26 3 2 3 & 27 3) 4 [5 2 28 2 3 4 9 29 4 2 4 10 30 4 [41/5 1B 31 3 3 | 4 10 32, 4 4 4 12 33, 3 4 5 12 34 2 3 4 9 35 [2 [4 10 36 4+[45 B 105106 12 0 12 10 9 10 10 12 14 2 i i i 13 12 i 10 10 10 12 10 10 10 13 37 40 4 2 44 45 46 47 4B 49 51 52 34 56 37 58 59 60 61 62 63 64 65 66 67 68 0 70 i 2 B 74 5107 u i i 2 9 12. u B 10 B B 14 12 16 77 8 79 80 al 82 83 84 85 86 87 88 89 90 o 92.Lampiran 7. Hasil Output SPSS 1, Uji Reliabilitas dan Validitas X1. Financial Behavior Reliability Statistics Cronbach's Alpha Cronbach's Based on Item-Total Statistics Corrected Scale Mean if | Scale Variance | Item-Total Item Deleted |if'temDeleted| Correlation Squared Multiple Correlation 108 Cronba Alpha if em Deleted XLI 12,77 7,431 x12 12,90 5,738 X13 12,30 6,060 X14 13,04 5,185 X15 1411 8,098 1X2. Financial Attitude Reliability Statistics Cronbach's Alpha Based on Cronbach's Alpha Standardized Items 219 524 503 724 249 226 357 329 30 132, .73 590 602 486 698,109 Item-Total Statistics Corrected Squared | Cronbach's Scale Mean if |Scale Variance] Item-Total | Multiple | Alpha if Item Item Deleted. Correlation _| Correlation _| Deleted X21 x22 x23 x24 X25 X3. Financial Knowledge Reliability St: Cronbach's Alpha Based on Cronbach's Alpha Standardized Items ‘Item-Total Statistics Corrected Squared | Cronbach's Scale Variance] Item-Total | Multiple | Alpha if Item Correlation [Correlation | Deleted X3.1 12,79 6,056 461 243 619 X32 13,48 5,505 64 839 572 X33 13,25 5310 Ala 187 13,64 5,595 257 124 726 13,49 5,461 567 847 570 ‘X4, Financial Technology Reliability Statistics Cronbach's Alpha Cronbach's Based on Nof Alpha __| Standardized Items | Items 881 880 4110 Item-Total Statistics Corrected Squared | Cronbach's Scale Mean if |Scale Variance] Item-Total | Multiple | Alpha if Item Item Deleted. Correlation _| Correlation _| Deleted X41 8.46 5,152 600 845 x42 791 4,542 3 785 809 x43 8,85 5,779 47 907 X44 178 4.216 : 760 812 Y. Kinerja Keuangan UMKM. Reliability Statistics Cronbach's Alpha Cronbach's Based on Alpha ___| Standardized Items Item-Total Statistics Corrected Squared | Cronbach's Scale Mean if | Scale Variance] Item-Total_ | Multiple | Alpha if Item Item Deleted | if Item Deleted| Correlation | Correlation _|__Deleted2. Uji Asumsi Klasik One-Sample Kolmogorov-Smirnoy Test aa Unstandardized Residual N 2 Normal Parameters” Mean 0000000 Std. Deviation .77903068 Most Extreme Absolute 058 Differences Positive 4058 Negative ~036 Test Statistic 058 Asymp. Sig. (2-tailed) 200% Monte Carlo Sig. (2= ig, 903° tailed) 99% Confidence Interval Lower Bound 896 Upper Bound ou a. Test distribution is Normal. b, Calculated from data ‘orrection, Lilliefors Significan This is a lower bound of the true significance. ¢. Based on 10000 sampled tables with starting seed 2000000, 3. Regresi Linier Berganda del Summary” Adjusted | Std. Error of Model | __R__| R Square |__ Square 1 876° 168 738 197 a, Predictors: (Constant), X4, X1, X2, X3 b, Dependent Variable: ¥ stimate ANOVA? Model s ae 1 Regression Residual Total a. Dependent Variable: Y 72,101] 000"b, Predictors: (Constant), X4, X1, X2, X3 112 Coefficients" Standardized Unstandardized Coefficients | Coefficients Model B Std, Exror Beta t Sig. 1 (Constant) 3,143 659 4773 000 XL -078 035 -147 029 x2 -088 036 1S os x3 561 039 985] 14,364 000 X4 062 030 alti] 2,083 040 a. Dependent Variable: Y Umur Cumulative Frequency | Percent | Valid Percent | Percent Valid 25-31 tahun 9 98 98 98 32-38 tahun Bl 141 141 239 39045 tahun ai} 2.8 2,8 46,7 46-52 tahun ai} 2.8 2,8 696 53-59 tahun 18] 196 196 89,1 660-66 tahun 9 98 98 98.9 67-73 tahun 1 1d 1 1000 Total 2] 1000 100,0 Jenis.Kelamin Cumulative Frequency | Percent | Vatid Percent |__Percent Valid Leki-laki Bl 193 19,3 79,3 Perempuan 19] 20,7 20,7 100.0 Total s2] 100.0 100,0113 Lama.Usaha Cumulative Frequency | Percent _| Valid Percent | Percent Valid 3-7 tahun 21 22,8 22,8 22,8 8-12 tahun 29 31,5 315 543 13-17 tahun 21 22,8 22,8 712 18-22 tahun 14 15,2 15,2 92.4 23-27 tahun 4 43 43 96,7 28-32 tabun 3 33 33 100,0 Total g2} 100.0 100.0 Valid Valid Lainnya SD/Sederajat SMP/Sederajat SMAVSederajat Total Pendapatan Valid | Cumulativ Frequency Percent 16 11 100,0 Rp. 0- Rp. 1.000.000 Rp. 1.000.000-Rp. 3.000.000 Rp. 3.000.000- Rp. 5.000.000 > Rp. 5.000.000 Total 100,0 100,0Lampiran 8, Tabel r Tingkat signifikansi untuk uji satu arah aren) |_295[_0.025[ 0.01] 0.005] 0.0005 Tingkat ikan: intuk uji dua arah or] 005] 002] oot] 0.001 1 | _o9e77 | _o9969 | a9995| 0.9999 | 1.0000 2] ov | o9s00[ osxo0| 09900 | 0.9990 3] ososa[ oa7s3 | 09343 | asse7 | o.99tt 4] ones | osna] osm] osim| oor s| ose | o7sas| oxx29| on7as | 0.9509 «| 062s | o70s7| 07867 | oases | ozo 7] 0ss22 | o.o4 | on4oa | o7o77 | __ 0.8983 a] osioa[ ossio[ o7tss| arses | 071 9[oszia[ oar | osssi[ 0.7348 [ 08470 10] cams | 03760] ose | 0.7079 | 0.8233 1] oar | oss29| 0639 | 00a35 | __ o.oi0 12|_oas7s| 0324] osiz0| 0.6614 | 0.7800 13| owas] oso] oso] oni] 07604 14|_oas9| oats | asta] onze | o74n 15|_oarze| oaxar | _oss77|_o.0ss |__ 0.7247 iw] osooo| oases | osaas| osao7| 07084 17|_osse7|oasss| oszes| os7si| 0.0932 18| oars anne] osiss| oseia| _o67ex 1] 03687 | o4s20| ososa | osae7 | 0.6652 2o| oases] oar] oaoat | ossea] 06524 ai{_o3sis| o4is2| oats] 05256] 0.6402 z2|_osax| aoa | oarie| osisi| _o62e7 2a|_ oases] svi] 04622 | 05052 | 0178 a4|_osza7| sear] oss] oavsa| 007s 25|_o3233| oaso9 | oaast | oasoo | _oso74 2| asin] osm] asm] o47es| 05800 a7|_osns| 036m | 0.297 070s [0.5790 2e| oso | ossio| o4226| 04029 | aston 20|_o3009| 03550] oaiss| 04556 | 05020 30| 02960] 03404 04053 [ oer | _0.ssat ai[_o2s| osao| osoxz| oaaat | _0.saes 32[ 2s | oases] 03972 [ 04357 | _ 05392 33] e226 03338] ossie[ a6 | 05322 a4|_o2es| sao] 03a] oma] 05254 as| _o2746| o7246| o2ai0] 04182 | _osino 36] 02709 | oxo] oso] oars | _osiz6 11437] 02673 | osi60[ 03712] 04076 [ 0.5066 380268 [ 03120 [03665 | oan [0.5007 39[ 02605 | o30si | o3e2i | 03978 | 0.4950 40] 0257s | oso4s | o3s7e| 03932 | _o.4n9e ai] o2s2[ o3008 | o3ss6[ oaee7 | _o.tsas #2|_o2si2[ 02973 | 03496 [03843 [0471 4302483 [02040 [03457 | osor [0.4742 44| 02455 [02007 [03420 | os7e1 [0.4604 45 0249[ 02876 | o3aee | os7a1 | o.46a7 4602403 | o2sas | 03348 [03083 [04601 a7[_o2s77|_oasie | oasia| oaea6 | 0.4557 48| 02353 [ 02787 | o3281[ osmio | o4sie 49|_02329[ 02759 | o32a9 | o3s7s [0447s so] o2so6| 02732 | oszix] o3sa2[ 04432 Tingkat signifikansi untuk uji satu arah area) 0.05] 0.025[ 0.01] 0.005 | 0.0005 Tingkat signifikansi untuk uji dua arah of 00s] 002] oor] 0.001 si] o2286| o2706[ osiss| 03509 | 0.4393 s2| 02202] o26si | osiss| 03477 | 0.4354 s3| 02a o26s6| osi2a| osaas | 0st s4|o22i| 0262] osio2| osais | 02no ss] o2201[ 02609[ 03078] osses | oanee so] o2isi | o2see[ osoas| 05357 | 042 s7| o2ie2| oase4| 03022] 0.3528 | 0.4176 se] o2i4e| 02542 [02907] oss01[ 0414s s9|_o2i26[ 02521 | 02972 | 03274 | oait0 oo] o2i08 | 02s00[ o2s48 | osz48 [0.4079 or| 02091 | o24s0| 2925 | 0.223 oss 62] 02075 o24e1[ 02902] 03198 | 0.4018 @3| 0205s [024i | o2eso| 03173 | 03988 4] 02082 | 02423 [ o2ess| 03150 | 03959 os] o2027| o2404|02837| 03126 [0931 66| 02012 o23e7[ oaeie| 0.104 | 0.3903 e7| ois | 02369 [02796] 03081 [03876 es] oie |02382[ 02776] 03060 [ 03850 | o1sex | o2sas| o27se | osnse [03823 7o| o19se[ o2si9| 0277 [03017 [03708 vi] ois40 | 02303 o27ix| 0.2907 [ 03773 | oin7| 0287 | o2700] 02977 [03748 11573[_o1sis] 02272 [0.2682 [02957 [03724 7a[oisoi | 02257 [0266 [0.2938 [03701 75| oises| 02242 [ 02647] 02919 [03678 76| 0.876 | 02227[ 02630] 0.2900 | 0.3655 770.1864 [02213 [02613 | 02882 [03638 7x 0.1852 [02199 [02597 [02864 [0368 79 | oissi | o2iss[o2sei | o2Ke7 [ose so] ois | 02172 [0256s] o2xi0 | 0see si] oisis|o2is9[ o2sso] o28i3 [0347 a2] oisor | o2ia6| 0.2835 03527 a3 | oss 02133] 02520 03507 sa] oi7ee | 02120[ 0.2505 03487 as] aims | 0210s] 02491 03468 6] 0.1765 | 02096 | 0.2877 03449 a7] 0.1755 [ 02084 | 0.2865 03430 ss] oi74s | o2072[ 02449 | 02702 | 03412 wo] 01735 | 02061 [0243s] 02687 [0.3393 90 | 0.1726 [02050 [02422 [02673 [03375 si 0176 [02039 [02409 | 0.2659 [0.3358 92 o.1707| 02028 | o2s96[ 0.2645 [0.3341 93| ors [02017 [02584 [ 02631 [03828 94 o16s9 [02006 [02371 [02617 [03307 9501680 [0.1996 [0.2359 | 0.2604 [0.3290 96 {over [ 01986 [0.2347 | 02501 [0.3274 97 | 0.1663 | 01975 [0.2335 [02578 [0.3258 ox | 0.1654 [0.1966 [0.2324 | 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1.65263] r9vz0s | 2s4sas | 2oo02 | s.u32i2 we] gests | t2ases| — 165259] —r9ra02 | asesas | 2noss | 3.13190 19} gers | i.2gse| 145255] roti96 | aaeses | zune | 3.13169) ano] osrsra | 12eseo | rosasi | usrio| aaasia| 2600s | s.stee125 Lampiran 10, Tabel f ‘af wntuk penyebut iD) sa| 750] #20] ase] saa | eon] 910 [ 919 [926] 932[ 907 | 941 | 9a [s 2sr| 300] sas] sas] 328] aa] saa] sas] aa7] ase] 329] sao] sao | « Ai 202 228] 236] 239] 241 | 242] 24s | 240] 246] 24a] 2s | 24s | 24s | 245 | 206 o ' 2 3 4] rar] 200] 205] 206 | 207 | 208] 208 | 208 | 208 | 208] 208 | 208 | 208 | 2 sso] tas] ise] 189] 149] 190] 180] 189] 190} 10] 189 | 190 | 180 | 1 6] soe] ure] are] a9 aso] uae | ase | are | ate fart] as | ase | ast | ae | a6 tT] asr| tro} asa] ase fam | us| ase] iro] 160 | 1.69] 169 | 68 | 168 | 168 | 168 st} 166] 167] 166 166 | 165] 164] a6 | 163) 163 | 163} 102 | 162 | 102 | 102 si} 162] 163 | 163] 162 | rot | 160] 160] 159] 130] ise} ise | ise | 157 wo} 149] 160] 160 159] 159 | 158] 157] 156] 256} iss] 1s | saz] use | ase] 137 | ase] rss} rsa] ssf oss | se] ase | ast fast | isi 12 145] 136 | 156] 135 | nse] rsa] rso] isi] asi] iso] 149 | 149 | 14s | ras as 14s] uss] ass] 133 | nse] rs] rso| 149] ray | cae] a7 | 47 | 147 | a6 | 16 us| ras] uss] ass] 1s2 | ast] rs0f rae] ras | nar] cas] tas | 4s | 14s | ae as} sas] use] ase] tsi a4] ras} rar | ras | sas 14s] tas | ae | 14s | as we] saz] isi asi] iso f nas] nar} nas | vas f sae} vas] tas | as | 14a | ee wr] caa] tsi aso] tas | nay] raf aas | igs f aas | cas] nae | vat fiat | ia as} rai] iso 49] 14s | 4s] ras} rae] ras] age | va] iar | 40] rao | 140 | 139 19] sar] ra] rao] 147 | nas] ras} ras | ia | oar var] tao] rao | ise | 139 | 138 a 40] 49] rae | 147 | 4s] ras} ras | 142] sar | cao] 19 | a9] ise | as | 17 ar} rao] vas] 4s | 146 | 4s] rar] rae | rar f sao] 39] 19 | as} iar | iar | 17 22| sao] vas] 47] 14s | nas] naz} rar rao} sae] .3e] tse | a7 | iar | 136 | 136 28 J 130] var] sar] as | nas] rar} rar | 140 | 139 | 13s] 137 | 137 | 136 | 36 | 3s 246 | i390] ver] sae] 144 | as] rar] rao] 139] sas] ae] 137 | 136 | 16 | as | 135 1 as| is9| var] as | 144 42] rar} rao] 139} sae] iar] 136 | 16] ras | as | 134 26 se] ves] 14s] 144] 42] rar] ise] vas] aa7] usr] 16 | as} iss | 1s | 136 ar ase] vas 1s] 14s | 142] rao] ra | rae] 137] 136] 13s] ras] a4] ae | as as | ise] vas] rss] 14s | rar] rao] rae | rae] 197] 16] 13s} se} isa} as | 13s 2} rze] 14s] ras] 143] rar | rao] rae] ra7] 136] 13s] 13s] ras | 1s | 13s | 132 30] ise] 4s] 14a] a2] sai | ase] ise] iar] 136] 13s] ise] ase | 1s | as | a2 at} usr] tas] 14a] 142] sao] ase] ise] isr] ise] ass] ise} iss | 1s | 132 | 132 32] iar] .4s | 4s] 142 | cao] rae} tar] ise | aas | use] ase] iss} ise fie | 11 a3] usr] tas] 14s] 142] 140 ase] is] ise | 3s] is4f as] iss] ise | 12 | isi a4} nar] tae] ras] 142] rao | nae] iar] rae | as] isa] 13s] 133] ose | rar | ran 38] is7] ies] ras] tar f rao] rae} tar] 16 f sas | is] tas] v2 fase fran | it 36] sar] ver] ras | rar | sao] rae} ise] vas] sae] uss] tas | a2 fiat | iat | 130 sr| ist] vas] ras] tai f rae] ra] ise] iss} ose] iss] tse | ase fist} ist | 130 38] ise] ver] ras] taf ae] nar} ase | iss] ise] uaa] ase | ase | iar | 130 | 130 39] sas ver] sas | rai | sao] rar} nse] ras | sae] uaa] tse | iar} iar | 10 | 130126 40 rs6] 144] 142] 40] 139] 137] 136] ras] 134] sas] 132] rar | iat | 130 | 130 at} uae] 14s] ra] rao] rae | nar] us| rae] ia] ta] a2} rar | 10 | 130 | 129 42] sae] 4s] raz] rao] rae | rar] nas] ase] sa] sa] ise} rar | tao | 130 | 129 43] ise] 14s] 142] rao] re | tar] 13s] ase] 1a] tz] iar} iar | 130 | 129 | 129 10 | 129 | 1.29 44} ise] 143] 142 | ao] ae | ase] 13s] ase] 133] 132] 11} ii | 1 30 | 129 | 139 as | rae] a3 | re | rao [rae | a6] ras | rae] aa] ie | ar | 30 ‘af untuk pembilang (N1) ‘af wotuk penyebut 2) a6 [136] 14s | 12 | rao] 3s [rae [13s aae | v2] 132 [ar | 20 | 130 | 129 [12s 47} sae] 143] 142] 140] 136 | rae] 13s] rae] 192] 132] rar} rao | 129 | 129 | 128 48} ise] 14s] if a3o] 13s | ase] 13s] aaa] 132] oar] iar] 130 | 129 | 129 | 12s 49} 136] 143] 141 | 139] 137] ase] 134] ras] 12] iar | iar} rao | 129 | 129 | 128 so iss] vas] 141] 129] 137] 136] 134] 133] 132] iat] 130 | 130] 120 | 12s | 128 st iss] .ez] isi] 139] 137] 136] asa] 133] o32] ust] 130 | 130] 129 | 128 | 128 st} iss] vez] asi] 139] 137] 136] rsa] 133] age] ist] 130 | 129 | 12 | 12s | 128 ss| iss] 142] iar] 139] aay] ras} rsa] 133} sae] vat] 130 | 129 | 129 | 128 | 128 ss iss] vez] asi] 139] 137] 13s} rsa] 133] 132] ist] 130 | 129 | 129 | 2s | 127 ss 13s] 142] isi] 139] a3r] 13s] asa] iss] sae] ist] 130 | 129 | 129 | 128 | 127 s6J as] .4zf rai] 139] ar] nas} rsa] iss faa | vat] aso {129} 28 f 12s | 127 s7J 13s] .a2] ai] 139] ar] 13s] asa] is2f oar ast] 130 | 129 | 126 | 12s | 127 se 13s] 142] asi] 139] ar] 13s] asa] 132] sae] 130] 130 | 129 | 126 | 12s | 127 59] 135] 142] ai] 139] var] ras] ase] iz] sar] iso] 130 | 129} 28 | 12s | 12% 60} sss] 142] 10 f ase] 197] vas] iss] ise] var] aso] 129} 129 | ras | a7 | at o1 | ias] vez] io] ras | ar] ras] ras] 12] sar] 130] 129 | 120] 28} 127 | 127 er iss] ier] 40] 138 | a6] ras} rss] 132] sar] iso] 129 | v9 | i2e | iar | iar 6 J sas] ve] rao] ras | ras] ras} iss] 12] sar 130] 129 | ve | ae | 127 | 127 64} 135] 142] 140] as] 136 | ras] 13s] 132] iar] 130] 129] ras | 128 | 27 | 27 68} 13s] 142] 140] ase] 136] 13s] 133] 132] var] 130] 129] 128 | 128 | 27 | 27 66 | 13s] 142] 140] rae] 136] ras] iss] ia2] iar] 130] 129] 12s | 128 | 127 | 126 67} 13s] 142] 140] rae] 136 | 134] 13s] 132] ra] 130] 129] 128 | 128 | 127 | 126 6 13s] ver] so] 138] 136] 136] ras] 12] rar | 130] 129 | 28 | 127 | 127 | 126 | 13s] 1a] 140] 13s | 36] 134} ass] 132] sat | 130] 129 | 128 | 127 | 127 | 126 go} rss] var} 140] 138 | 136] 136} ras 12] rar | 130] 129 | 128 | 127 | 127 | 126 miss] iar] aso] 138 | 136] 1346] 1s | 132] 130] 130] 129 | 128 | 127 | 127 | 126 m2} iss] iar] 140] ass] 136 | 134] iss] asi] 130] 12] 129} 12s | 127 | 127 | 126 mJ isa] iar} aso] 18 | 136] 134} ras] ist] iso | 129] 129 | vas | 127 | 127 | 126 rs] isa] car] iso] 1s | 136] 134] iss] ist] 30 129] 129 | a8 | 12 | 126 | 126 7s isa] var] aso] 138 | 136] 136] rss] rat] raf 129] 128 | a8 | 127 | 126 | 126 76 J rsa] iar] 140] tas | ras] r34f ras] rar} sao | 129] 128 | vas | iar | 26 | 126 a} ist] car f ao] tae | ras] n34f ass] iat} sao] 129] 128 | vas | 127 | 126 | 126 me} isa] iar} aso] iss | ase] 136} ase] ist | aso} 129} 128 | vas | 127 | 126 | 126127 | a4] usr] 140 13s | 16] 136] 132] ra] sao] 129] 128 | 127 | 127 | 126 | 126 a0} iss] iat] 140] ras] 136 14] 132] iar] 130) 129] 128} 127 | 127 | 126 | 126 st} iss] ua] aso] 137 | 36] 134] 132] rat] sao] 129] 128] 27 | 127 | 126 | 126 we| iss] ua] iso] 137 r36} 132] 131] 130] 129] 128] 127 | 127 | 126 | 125 | ist] ua] iso] 137 a6] ise] vat] rao] 137 ss] isa] vat] ise] 137 | 13s] 136] 12] 131] sa0 | 129] 128} 27 | 127 | 126 | 12s a6] rss] tar] 19] tar] 13s] naa] 132] iar] 130] 129] 128} 127 | 127 | 126 rs4} 132] iat] 130] 129] 128] 27 | 127 | 126 | 125 ra} tsa] it] 130] 129) 128} a7 | 127 | 126 | 12s sr} isa] vat] ase] 137] 13s] 136} asa] rst] sa0 | 129] 128 | 127 | 126 | 126 | 12s a8] isa] tat] ase] 137] as] 1346} asa] ist} sso | 129] 128 | 127 | 126 | 126 | 12s 8] ose] iar] aso] 137 | vas] r34} rae] iar} aso 129] 128 | 27 | 126 | 26 | 2s go | uss | vai | 139 | 137 | as [13s] 132 | ii | 30 | 29 [12s | 127 | 126 | 136 | 13s <4 untuk pembilang (N1) ‘af untuk pemenat a a). =] e] 7) 2°] »| =] ef 8] sos gf ae] vat [139 | 137 [vas | nas [132 [ar | a0 [a2 | 22s [aa [ae | a26 | 12s gz} isa] vat] ase] 137 | 13s] 13} 132] iat} aso 129] 128 | rar | 126 | 126 | 12s 9] isa] iar] aso] 197 fas] nae} rae] ist faa} 129) 128 | 127 | 126} 126 | 12s 94} sss] ar] i39 far] sas | ras] ise] rar] sao] 129] 128} 127 | 126 | 126 | 12s os isa] car f ase] 137 aas] ras} ase] vst fsa ve] 128 | 27 | 126 | a6 | 12s 96 J 134] var] ase] 137] nas] 133} ase] ist faa] .2e] 128} rar | 126 | 126 | 12s 97} ase] var] ise] 137 | vas] ras} ise] rar fsa] .ae] 12s | 27 | a6 | as | as 98 | iss] ue] 139] 137 | as] 133] 132] 130] 129] .2e] 128 | 127 | 126 | as | 125 99} 136] rar] 139] 137] 13s] 133] 132] 130] 129] 128] 128} 127 | 126 | 12s | 12s roo} y34] arf vs] a7 | vas} uss] 132] 130 | v20f rae] 27] 127 | as | ras | 12s wor} ise] var] r39] 137} sas] 133] 132] ra} 229] ie] 127 | aar | 126 | as | 12s wor] 34] sar] 139] 137 | 3s} ass] 32] 130 | 229] 128] 127] 127 | 126 | 12s | 12s ros | 134] var 139] 137 | 13s | rss] 132] 130 | 129] 128] 127 | 127 | 126 125 wos] 34] 140] 139] 137 | vas} 13s] 132] 130 | 129] 12s | 127 | 27 | 126 12s os] 34) 140] 139] 137 | 13s} rss] 132] 130 | 29] rae} 127] 127 | 126 | 12s | 12s 106] 34] 140] 139] 137 | 13s} rss] 132] 130 | 129] tas} tar] 127 | 2s | 12s | 12s wor | 134] 140] 139] 137] 13s} 1ss] 132] 130 | 129] 12] a2r | 127 | 126 | 12s | 12s tos} i34] 140] ise] 137} sas] 133] 132] 130} oa] ie) 127 | 126] 126 | as | 125 wos] isa] tao] ase] ar] as} iss] 32] 130 | 129] tas} a2r | 126 | 2s | 12s | 12s so] s34] tao] ase] asy | vas} sss} ust] 130 | .20] tae] 127] 126 | 12s | ras | ras sr] isa] tao] 139] 137 {vs} asa fast] 130} 29] taf tar] 16 | ias | ras | 12a uz] 34] 140 | a9] 137 | vas} assf ast] 130 | 129] 1a} 127] 126 | i26 | ras | 128 us] ys4] 140 as] rs7 | vas} ass f ust] 130 | 129] 128] 27] 126 | a6 | ras | 124 uid} ass] .40] r39 | 137} sas] 133] tat | 130} 229] 128] 127 | 26] 126 | as | 126 us} ss4] 140] 139 137} sas] 133] tar | rao} 129] 128] 127 | 26] 126 | as | 126 use] isa] tao] ase] as7 | ras} usaf ast] 130 | o29| 12] 127] 126 | 126 | ras | 124 ur] saa] tof ase] rar | vas | ass} ust | ago | 20] rae] tar | 126 | as | 12s | 124128 uss | 134 140] 139] 137 { vas] uss] ust] 130 | 129] rae] 27] 126 | a6 | ras | 124 uy | 134] 140] v39] rar | vas} nas ust] 130 | 129] tae} a7] 126 | as | ras | 124 so] ssa] 140] va] rar vas} nas] ust] 130 | 20] tae] a7] 126 | uas | ras | 124 sat] isa] 140] a3] rar] vas} ass] ust] 130 | 20] rae] tar] 126 | as | 12s | 124 a2] a4] 140] 139] a7 ase] ass] ast] 130 | 229 | rae] 127] 126 | as | 12s | 124 tas] 134] tao] 139] 136 {134} ass} iat] 130 | 129] rae] 127] 126 | as | 12s | 124 st] 34] 140] r39] rae va4} uss} vat] 130 | 129] rae} 127] 126 | as | ras | 124 us] 4] 140] 139] 136 | 134] ass] ur] 130 | 129] 1a} 127] 126 | as | 12s | 12 126] 34] 140] 139] 136 | 134] 133] ut] 130 | 129] tas} 127] 126 ua7| 134] 140 139] 136 134] nas] nat] 130 | 129] 128} 127] 126 12s | 124 125 | 124 2s] 4] 140] 139] 136 | 134] ass ust] 130 | 129] 128] 127] 126 | as | 12s | 124 129] 34] 140] 139] 136 | 134] 13s] ust] 130 | 29] 12s] 127 | 126 | as | 12s | 1.24 130] y34] 140 139] 136 | v3} asa} ast] 130 | 29] 128} 127] 126 | vas | 12s | 124 sar] is4] 140] 139] 136 134} tsa] ast] 130 | 120] tas} ize] 16 | as | 12s | 124 tz] 134] 140] 139] 136 | 134] 13s] at] 130 | 129] 1a} a27 | 126 | 12s | 12s | 124 a3] ya] 140] a9] raf raf aaa f ast] 130 | 120] 128 ta¢] yaa] sao] ra] rae | va4 fuss | iat] 130 | 120] 128 L as | 133 | tao | 130 | 136 | 134] nas | isi | 30 | 120 | ae | rz | 26 | 126 | 19s | 125 | 124 s | 2s | 124 s | 12s | 124 ‘Funtak pening (1) at untak remot {TT 2] 3] | s] | 7] *| 9°] ™| =] 8| 3] «| 3 wae asf iao] ase f 136 [ae | aaa] aa [v0 | a9 Pia 126 | as | 1as | 128 at }iss] tao] ase 136] rae] a3] usr | iso} 29} aa] 127 | 126 fas | ras ) 120 ss] a3] v40f rse] 136] 136] ssf rst] v0] 129] v26f tar] 26 | 2s | 12s | 120 39} asf tao] rae | ase] ra¢] ase] rar | oso] v2] 12] 127 | 126 | 12s | ras) 124 wo} iss] 140] ase] ise | rae] ase] ust | iso} 20] uae] 127] a6 | uas | 126) 124 ut | aa uaa | 136] va¢] tse] arf ra0] 129} 128 | 127 | 126 ae | 124 ua | 133 use| a6] 134] 132] tat] a0 | 129] 128] 127] 26 | 12s | 126 | 120 14s | 3 use| 136 134] 32] ast] 30 | rae] iar] rar] 126 | 12s | 126 | 120 wat | 133 uae | 136] a4] tse] arf 130] ae] tar] 127 | 126 | 12s Lt ws] 13] 140] vse] rae | 134} ise] ust] 130 | cae] tar] 27] 126 | as | 12s | 124 use] 133] 140] rae] 136 | 136] nse] iar] 130 | rae] tar} r27 | 126 | aas | a2 | 128 wat} iss] 140] isa] 136] ass] 132] ast] iso} sas] ir] 127 | 126] 12s | ie | 126 ras | 53] 140] rae] 136 | 136} nse f iar] 130 | rae] rar} rar | 16 fas | a2 | 128 wo | iss] ia] rae] 136] 13s] 132] asi] iso} oa] 27] 127 | 126] 12s | ize | 126 rso] 33] 140] ase] 136 134] ase] ast] 130 | cas] tar] ize | 126 | as | 12s | 124 ast] 33] 140] ase] 136 | 134} asf ast] 130 | a28] tar} 126] 126 J ias | a2 | 12 ast] 13] 140] ase] ase | 134} ase ust] 130 | 2s] tar} ize] 126 | as | a2 | 128 ass] 133] 140] ae] 136 | 134} nsf ist] 130 | rae] tar} r26 | 126 | ias | a2 | 124 ass] 133] 140] ise] tse | i34} tse ist] 129] as] tar] 26] 126 | as | 12s | 124 rat} 129] 12s] 127] 126} 126 | 12s | 26 | 120 ass] isa] 140 use] ise | a4 | nae sa ust ia | ras} 127 126] 26 | 12s | a2e | 126 as6| iss] tao] ase} ase | a4 | a129 ast] 133] 140] ise | ref v34] sae] ust] 129 | cae tar] 26] 126 | vas | 12s | 124 ast] 33] 140] 13s] 136 | 134} asf at] 129 | as] rar} 126] 126 | as | 12s | 12 as] 33] 140] ase] rae | 134] 132] ast] 129 | cae] rar] 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fuse} uso] 129 | i2e| tar] 26] as | as | 126 re] ia] sao] uae] rae | ua4f naz] uso] 129 | a2e| tar} 26] 12s | 120 | 126 199] 133] 140] ase] ras v.34] 132] 130] 129 | ve] tar} 126] 12s | 120 | 126 200} iss] 140] 13x | 136] 134 | 132] 130] 129] 1a] 127 | 126] 12s | 124 | 126 aor | 133] 140] vse] 136 | 134] 132] 130] 129 | 12s] rar} 126] 12s | 124 | 126 202} iss] 140] 138] 136] 136] 132] 130] 129] 128] 127 126] 12s | 124 | 126 203} iss] 140] 138 | 136] 136 | 132] 130] 129] 128] 127 | 126] 12s | 124 | 126 aos] 33] 140] 138] 136 | 134] 132] 130] 129] cae] tar} i26] 12s | 124 | 128 zos} iss] 140] 13x] 136] 134] 132] 130] 129] 19K] 127 | 126] 12s | 124 | 126 206] 133] 140] 138 | 136] 136 | 132] 130] 129] 198] 127 | 126] 12s | 124 | 126 207} 133] 140] 18 | 136] 138 | 132 208 | 33] 140 ase] 136 | 134 | 12 sav] 28] iar] 126] 12s | ia | 128 aos | 13] 140] ise] 136 | 134} 132] 130] 129] vs] tar} 26] 12s | 124 } 126 no] 133] 140] 13] 136 134] 132] 130] 129] 126] tar] 26] 12s | 124 | 126 an] ia] sao] ase] ase {194} ase} aso] 129 | ve] tar} 26] 12s | ia | a2 az] iar] sao] ise] rae | va4] use] iso] 129 | ve] tar] 26] 12s | 124 | 126 as} iss] 140] tx] 136] 134] 132] 130} 129] 1a] 127 | 126] 12s | 124 | 126 as] iss] 140] ise] 136 | 134} 1s} 130] 129} v8] tar} 126] as | ia } 128 ais} iss] 140] iss] 136] 134 | 132] 130} 129] va] 127 | 126} 2s | 124 | 126 aie} iss] 140] 138 | 136] 136 | 132] 130] 129] 128] 127 126] 125 | 124 | 126 air} iss] 140] 138 136] 134 | 132] 130] 129] 128] 127] 126] 12s | 124 | 126 as] ia] sao] use] rae va4} use] 130] 129 | ve] tar] 26] 12s | 124 | 126 29} iss] 140] 138 | 136] 134 | 132] 130] 129] 128] 127 126] 12s | 124 | 126 zo | 33] 140] ase] 136 | 134] 132] 130] 129 | 226] 127] 126] 12s | 124 | 126 aa} 13s] 140] 138 | 136] 13] 132] 130] 129] 19] 127 | 126] 12s | 124 | 126 aa 26] var] 126] 12s | 12a | 128 2a} iss] 139] 13 | 136] 136 | 132] 130] 129] 128] 127 | 126] 12s | 124 | 126 23} iss] 139] 138 | 136] 136 | 132 a4} iss] 139] 138 | 136] 138 | 132 129 | 28] i297 126] 12s | 124 | 128 gas | uss] s9[ 13x] v36] 13s | 132] 130 | 129 | ae | 127] 126 | 12s | 124 | 126 raf ae] var] 126] 12s | 124 | 128131 Dooce in| LUNIVERSITAS ISLAM NAHDLATUL ULAMA’(UNISNU) JEPARA FAKULTAS EKONOMI DAN BISNIS (FEB) PROGRAM STUDI MANAJEMEN Mechecrfomenn ___ Mande Opera TE Tomansnwa Peng) Toman para SHY Tel (201) HD f(T) SD Tse rans acid hieler abasionae Surat Betecangan Bebas Blagiarisme Program Studi Manajemen Fakutas Ekonomi dan Bisnis (FEB) Universitas slam Nahata ‘Ulama Jepora(UNISNU) Jepra telah melaksanakan pengecckan plagiacsmeterhadap sksps yang dsusun oleh Nama ‘Anna Sait’ NIM 61110001948 Judul + Pengaruh literasi keuangnn, financial technology (fntech) terhadap kinerja keuangen umkm (Studi Kasus pada UMIKM_ Tobapan + Pasea Uji Pengecekanplagrisme dilasanakan sebagai beriku: Aplikasi —:_plagiarisma.net Tanggal + 0S Mei 2020 Hast + eunikan 96% emikin surat keterangan ini dibuat dengan hen, untuk dapat dipengunaksn sebagaimana Separa, 0S Mei 2020, T8021 06 O41