Reliability and Validity Test

Reliability FAMILY RELATIONSHIP

Scale: ALL VARIABLES
Case Processing Summary
N
Cases

Valid
Excluded

Total

%
60

22.2

210

77.8

270

100.0

a. Listwise deletion based on all variables in the

procedure.
Reliability Statistics
Cronbach's
Alpha

N of Items

.943

2
Item Statistics
Mean

family relationship_Q1
family relationship_Q2

Std. Deviation

3.97
3.90

1.008
1.069

60
60

Item-Total Statistics
Scale Mean if
Item Deleted
family relationship_Q1
family relationship_Q2

Scale Variance if Corrected Item- Cronbach's Alpha

Item Deleted Total Correlation if Item Deleted

3.90
3.97

1.142
1.016

.894
.894

a. The value is negative due to a negative average covariance among items. This violates reliability
model assumptions. You may want to check item codings.
Scale Statistics
Mean
7.87

Variance
4.084

Std. Deviation

N of Items

2.021

Reliability FINANCIAL RISK TOLERANCE

82

.a
.a

Scale: ALL VARIABLES

Case Processing Summary
N
Cases

Valid
Excluded

Total

60

22.2

210

77.8

270

100.0

a. Listwise deletion based on all variables in the

procedure.
Reliability Statistics
Cronbach's
Alpha

N of Items

.721

8
Item Statistics
Mean

financial risk tolerance_Q1

financial risk tolerance_Q2
financial risk tolerance_Q3
financial risk tolerance_Q4
financial risk tolerance_Q5
financial risk tolerance_Q6
financial risk tolerance_Q7
financial risk tolerance_Q8

Std. Deviation

2.35
2.10
2.13
2.48
2.07
2.40
2.47
2.25

.799
1.145
.911
.748
.841
.867
.853
.728

60
60
60
60
60
60
60
60

Item-Total Statistics
Scale Mean if
Item Deleted
financial risk tolerance_Q1
financial risk tolerance_Q2
financial risk tolerance_Q3
financial risk tolerance_Q4
financial risk tolerance_Q5
financial risk tolerance_Q6
financial risk tolerance_Q7
financial risk tolerance_Q8

Scale Variance if Corrected Item- Cronbach's Alpha

Item Deleted Total Correlation if Item Deleted

15.90
16.15
16.12
15.77
16.18
15.85
15.78
16.00

13.075
11.960
12.545
14.012
13.678
11.791
13.529
13.831

83

.464
.394
.468
.326
.323
.646
.341
.376

.683
.704
.681
.709
.710
.642
.707
.701

Scale Statistics
Mean
18.25

Variance
16.394

Std. Deviation

N of Items

4.049

Reliability FINANCIAL KNOWLEDGE

84

Scale: ALL VARIABLES

Case Processing Summary
N
Cases

Valid
Excluded

Total

60

22.2

210

77.8

270

100.0

a. Listwise deletion based on all variables in the

procedure.
Reliability Statistics
Cronbach's
Alpha

N of Items

.760

4
Item Statistics
Mean

financial knowledge_Q1
financial knowledge_Q2
financial knowledge_Q3
financial knowledge_Q4

Std. Deviation

3.18
2.85
2.97
2.98

.596
.659
.520
.537

60
60
60
60

Item-Total Statistics
Scale Mean if
Item Deleted
financial knowledge_Q1
financial knowledge_Q2
financial knowledge_Q3
financial knowledge_Q4

Scale Variance if Corrected Item- Cronbach's Alpha

Item Deleted Total Correlation if Item Deleted

8.80
9.13
9.02
9.00

2.129
1.609
1.881
2.000

Scale Statistics
Mean
11.98

Variance
3.135

Std. Deviation

N of Items

1.771

85

.374
.653
.690
.558

.801
.648
.640
.705

Descriptive Statistics Test

Descriptive Analysis Test of Gender
Frequencies
Statistics
gender of respondents
N

Valid
Missing

270
0
gender of respondents
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

Men

116

43.0

43.0

43.0

women

154

57.0

57.0

100.0

Total

270

100.0

100.0

86

Descriptive Analysis Test of Major

Frequencies
Statistics
major of respondents
N

Valid
Missing

270
0
major of respondents
Frequency

Valid

management

Percent

Valid Percent

Cumulative
Percent

163

60.4

60.4

60.4

accounting

94

34.8

34.8

95.2

IE

13

4.8

4.8

100.0

270

100.0

100.0

Total

87

Descriptive Analysis Test of Financial Subject

Frequencies
Statistics
financial subject that already
taken
N

Valid
Missing

270
0
financial subject that already taken
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

1 course

17

6.3

6.3

6.3

2 courses

64

23.7

23.7

30.0

3 courses

58

21.5

21.5

51.5

more than 3 courses

131

48.5

48.5

100.0

Total

270

100.0

100.0

88

Descriptive Analysis Test of Fathers Last Education

Frequencies
Statistics
husband last education
N

Valid
Missing

270
0
father last education
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

no degree

.4

.4

.4

elementary school

1.5

1.5

1.9

junior high school

16

5.9

5.9

7.8

senior high school

74

27.4

27.4

35.2

D3

.7

.7

35.9

S1

143

53.0

53.0

88.9

S2

21

7.8

7.8

96.7

S3

3.3

3.3

100.0

270

100.0

100.0

Total

89

Descriptive Analysis Test of Mothers Last Education

Frequencies
Statistics
wife last education
N

Valid
Missing

270
0
mother last education
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

elementary school

10

3.7

3.7

3.7

junior high school

25

9.3

9.3

13.0

senior high school

81

30.0

30.0

43.0

D3

19

7.0

7.0

50.0

S1

125

46.3

46.3

96.3

S2

3.0

3.0

99.3

S3

.7

.7

100.0

270

100.0

100.0

Total

90

Descriptive Analysis Test of Fathers Occupation

Frequencies
Statistics
husband occupation
N

Valid
Missing

270
0
father occupation
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

Unemployed

1.9

1.9

1.9

Labours

1.9

1.9

3.7

employees/office workers

45

16.7

16.7

20.4

PNS

46

17.0

17.0

37.4

educator (lecturer or teacher)

15

5.6

5.6

43.0

1.9

1.9

44.8

113

41.9

41.9

86.7

managers and professionals

17

6.3

6.3

93.0

Traders

19

7.0

7.0

100.0

270

100.0

100.0

doctor or nurse
Entrepreneurs

Total

91

Descriptive Analysis Test of Mothers Occupation

Frequencies
Statistics
wife occupation
N

Valid
Missing

270
0
mother occupation
Frequency

Valid

Percent

Valid Percent

Cumulative
Percent

Unemployed

96

35.6

35.6

35.6

employees/office workers

17

6.3

6.3

41.9

PNS

34

12.6

12.6

54.4

educator (lecturer or teacher)

18

6.7

6.7

61.1

doctor or nurse

3.0

3.0

64.1

Entrepreneurs

65

24.1

24.1

88.1

2.6

2.6

90.7

25

9.3

9.3

100.0

270

100.0

100.0

managers and professionals

Traders
Total

92