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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  M n e m e j a n a i d u t S m a r g o r P : h e l O

  S t a r a y u t a S h a l a S i h u n e m e M k u t n u n a k u j a i D E i m o n o k a n a jr a S r a l e G h e l o r e p m e M

  

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  H A L A M A N M O T T O D A N P E R S E M B A H A N “ d i m a n a a d a k e i n g i n a n , u s a h a d a n d o a m a k a t u h a n a k a n m e m b e r i k a n j a l a n y a n g t e r b a i k u n t u k k i t a ”

  S k ir sp i i in k pu re es m b a h a k a n u n ut k : T u h a n Y e us s K r tsi su U n vi re is at s S a n ta a D h a r m a K e d u a O r a n g T u a S a y a M a s B u d y M b a k

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  I M A N A J E M E N P E R N Y A T A A N K E A S L

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  I S S a y a y a n g b e tr a n d a t a n g a n d i b a w a h i n i , d e n g a n i n i m e n y a t a k a n b a h w a S k ir p s i d e n g a n j u d u l :

  P E N G A R U H U P A H D A N A S U R A N S

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  5 M u l u r , B e n d o s a ir , S u k o h a jr o D a n d i a j u k a n u n t u k d i u j i p a d a t a n g g a l ,

  2 1 j a n u a r i a d a l a h h a s i l k a r y a s a y a . S a y a j u g a m e n y a t a k a n b a h w a d a l a m s k ir p s i i n i it d a k t e r d a p a t k e s e l u r u h a n a t a u s e b a g i a n t u il s a n o r a n g l a i n y a n g s a y a a m b li d e n g a n c a r a m e n y a il n , a t a u m e n ri u d a l a m r a n g k a i a n b e n t u k k a il m a t a t a u s i m b o l y a n g m e n u n j u k k a n g a g a s a n a t a u p e n d a p a t a t a u p e m i k ri a n d a r i p e n u il s l a i n y a n g s a y a a k u s - e o l a h o l a h s e b a g i a n t u il s a n s a y a s e n d i ri , d a n a t a u it d a k t e r d a p a t b a g i a n a t a u k e s e l u r u h a n t u il s a n y a n g s a y a S a il n , s a y a t ri u , a t a u s a y a a m b i l d a r i t u il s a n o r a n g l a i n t a n p a m e m b e ir k a n p e n g a k u a n ( d i s e b u t k a n d a l a m r e f e r e n s i ) p a d a p e n u il s a s il n y a .

  B li a d i k e m u d i a n h a r i t e r b u k t i b a h w a s a y a t e r n y a t a m e l a k u k a n it n d a k a n t e r s e b u t , m a k a s a y a b e r s e d i a m e n e ir m a s a n k s i , y a ti u s k ir p s i i n i d i g u g u r k a n d a n g e l a r a k a d e m i k y a n g s a y a p e r o l e h ( S . E . ) d i b a t a l k a n s e tr a d i p r o s e s s e s u a i d e n g a n a - t u r a n p e r u n d a n g u n d a n g a n y a n g b e lr a k u ( U U N o

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  2 T u j u a n p e n e il it a n i n i a d a l a h u n t u k m e n g e t a h u i v a ir a b e l u p a h (

  X 1 ) , a s u r a n s i k e c e l a k a a n k e jr a ( X 2 ) d a n k i n e jr a k a r y a w a n ( Y ) . T u j u a n p e n e il it a n i n i u n t u k m e n g e t a h u i a p a k a h u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n p a d a P e r u s a h a a n C V . S A S M I T O C a n g k ir n g N o .

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  5 M u l u r , B e n d o s a ir , S u k o h a jr o . P e n g u m p u l a n d a t a d li a k u k a n d e n g a n c a r a m e m b a g i k a n k u i s i o n e r k e p a d a k a r y a w a n b a g i a n p e l a k s a n a d e n g a n j u m l a h r e s p o n d e n s e b a n y a k

  3 r e s p o n d e n d a n m e n g g u n a k a n m e t o d e p u r p o s i v e s a m p il n g . T e k n i k a n a il s i s d a t a y a n g d i g u n a k a n a d a l a h m e n g g u n a k a n t e k n i k a n a il s i s r e g r e s i b e r g a n d a u n t u k m e n g e t a h u i a p a k a h u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a p a r s i a l d a n s i m u tl a n b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n . D a r i h a s i l a n a il s i s d a t a y a n g t e l a h d li a k u k a n d a p a t d i s i m p u l k a n b a h w a u p a h s e c a r a p o s i it f d a n s i g n i if k a n b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n , s e d a n g k a n a s u r a n s i k e c e l a k a a n k e jr a it d a k b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n t e t a p i s e c a r a s i m u tl a n u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a b e r p e n g a r u h p o s ti fi s i g n i if k a n t e r h a d a p k i n e jr a k a r y a w a n . v i

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  A B S T R A C T T H E

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  I N S U R A N C E T O T H E E M P L O Y E E S ’ P E R F O R M A N C E A C a s e S t u d y a t C V . S A S M I T O C a n g k ir n g N o .

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  2 T h i s r e s e a r c h w a s t o if n d o u t t h e v a ir a b l e s o f s a l a r y (

  X 1 ,) t h e i n s u r a n c e f o r a c c i d e n t a t w o r k ( X 2 ) a n d e m p l o y e e s ’ p e r f o r m a n c e ( Y ) . T h i s r e s e a r c h w a s a i m e d t o if n d o u t w h e t h e r t h e s a l a r y a n d t h e i n s u r a n c e f o r a c c i d e n t a t w o r k i n lf u e n c e d t h e e m p l o y e e s ’ p e r f o r m a n c e a t C V . S A S M I T O C a n g k ir n g N o .

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  5 M u l u r , B e n d o s a ir , S u k o h a jr o . T h e d a t a w e r e c o ll e c t e d b y d i s t ir b u it n g q u e s it o n n a ri e s t o t h e 3 e m p l o y e e s i n p r o d u c it o n d i v i s i o n a s t h e r e s p o n d e n t s u s i n g p u r p o s i v e s a m p il n g .

  T h e d a t a w e r e a n a l y z e d u s i n g m u l it p l e r e g r e s s i o n a n a l y s i s t e c h n i q u e t o if n d o u t w h e t h e r t h e s a l a r y a n d t h e i n s u r a n c e f o r a c c i d e n t a t w o r k p a r it a ll y a n d s i m u tl a n e o u s l y i n lf u e n c e d t h e e m p l o y e e s ’ p e r f o r m a n c e . B a s e d o n t h e r e s u tl s o f t h e d a t a a n a l y s i ,s i t c o u l d b e c o n c l u d e d t h a t t h e s a l a r y h a d a p o s i it v e a n d s i g n i if c a n t i n lf u e n c e t o t h e e m p l o y e e s ’ p e r f o r m a n c e . T h e i n s u r a n c e f o r a c c i d e n t a t w o r k d i d n o t i n lf u e n c e t h e e m p l o y e e s ’ p e r f o r m a n c e . Y e t , s i m u tl a n e o u s l y , t h e s a l a r y a n d t h e i n s u r a n c e f o r a t w o r k a c c i d e n t h a d a p o s i it v e a n d s i g n i if c a n t i n lf u e n c e t o t h e e m p l o y e e s ’ p e r f o r m a n c e . v ii

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  

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  Y a n g b e tr a n d a t a n g a n d i b a w a h i n ,i s a y a m a h a s i s w a U n i v e r s ti a s S a n a t a D h a r m a : N a m a : A n t o n i u s A r i P r a s e t y o N o m o r M a h a s i s w a :

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  1 D e m i p e n g e m b a n g a n li m u p e n g e t a h u a n , s a y a m e m b e ir k a n k e p a d a P e r p u s t a k a a n U n i v e r s ti a s S a n a t a D h a r m a y a n g b e jr u d u :l

  P E N G A R U H U P A H D A N A S U R A N S

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I N E R J A K A R Y A W A N

S t u d i K a s u s p a d a P e r u s a h a a n C V . S A S M

  I T O C a n g k r i n g N o .

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  5 M u l u r , B e n d o s a r i , S u k o h a r j o

  B e s e tr a p e r a n g k a t y a n g d i p e lr u k a n ( b li a a a d ) . D e n g a n d e m i k i a n s a y a m e m be ir k a n k e p a d a P e r p u s t a k a a n U n i v e r s ti a s S a n a t a D h a r m a h a k u n t u k m e n y i m p a n , m e n g a il h k a n d a l a m b e n t u k m e d i a l a i n , m e n g e l o l a n y a d a l a m b e n t u k p a n g k a l a n d a t a , m e n d i s t ir b u s i k a n s e c a r a t e r b a t a s , d a n m e m p u b il k a s i k a n n y a d a l a m i n t e r n e t a t a u m e d i a l a i n u n t u k k e p e n it n g a n a k a d e m i s t a n p a m e m i n t a i ij n d a r i s a y a m a u p u n m e m b e ir k a n r o y a l it e k p a d a s a y a s e l a m a t e t a p m e n c a n t u m k a n n a m a s a y a s e b a g a i p e n u il s .

  D e m i k i a n p e r n y a t a a n i n i s a y a b u a t d e n g a n s e b e n a r n y a .

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  K A T A P E N G A N T A R P u j i s y u k u r k e p a d a T u h a n Ye s s u K s ir t u s y a n g t e l a h m e il m p a h k a n r a m a t k e p a d a p e n u il s s e h i n g g a d a p a t m e n y e l e s a i k a n t u g a s a k h i r s k ir p s i d e n g a n j u d u l “ P e n g a r u h

  

U p a h d a n A s u r a n s i K e c e l a k a a n K e r j a T e r h a d a p K i n e r j a K a r y a w a n ” , S t u d i

K a s u s : P a d a P e r u s a h a a n C V . S A S M I T O C a n g k r i n g N o .

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  5 M u l u r , B e n d o s a r i , S u k o h a r j o .

  D a l a m p e n y e l e s a i a n s k ir p s i i n i t e n t u n y a it d a k t e lr e p a s d a r i p e r a n a n y a n g m e m b a n t u m e m b i m b i n g , m e m b e ir k a n s e m a n g a t o l e h s e b a b ti u p e n u il s m e n g u c a p k a n t e ir m a k a s i h k e p a d a : 1 . K e p a d a T u h a n Y e s u s K ir s t u s y a n g t e l a h m e il m p a h k a n r a h m a .t

  2 . B a p a k s e lak u D e k a n F a k u tl a s E k o n o m i D r . H . H e r r y M a ir d j o , M . S i ,. 3 . B a p a k D r . L u k a s P u r w o t o , S. E . , M . S i . S e l a k u K e t u a P r o g r a m S t u d i M a n a j e m e n .

  4 . I b u D r a . D i a h U t a ir R B , M . S .i S e l a k u D o s e n P e m b i m b i n g I y a n g t e l a h m e m b i m b i n g d a n m e m b e ir k a n s a r a n k e p a d a p e n u il s s a m p a i k s ir p s i i n i e s e l s . a i 5 . D r s . L a u r e n it u s B a m b a n g H a r n o , t o M . S i S e l a k u D o s e n P e m b i m b i n g

  I I y a n g t e l a h m e m b i m b i n g d a n m e m b e ir k a n s a r a n k e p a d a p e n u il s s a m p a i s k ir p s i i n i s e l e s . a i i x

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6 . S e g e n a p d o s e n p r o g r a m s t u d i m a m a n a j e m e n y a n g t e l a h m e m b e ir k a n p e m b e l a j a r a n y a n g b e r g u n a u n t u k p e n y u s u s a n s k ir p s i i n .i 7 . S e g e n a p k a r y a w a n s e k e tr a ir a t . 8 . S e g e n a p k a r y a w a n y a n g b e tr u g a s d i p e r p u s t a k a a n U n i v e r s ti a s S a n a t a D h a r m a y a n g t e l a h m e l a y a n i p e m i n j a m a n b u k u .

  9 . K e p a d a p i m p i n a n P e r u s a h a a n C V . S A S M

  I T O 1 . K e p a d a p a r a k a r y a w a n b a g i a n p e l a k s a n a y a n g t e l a h m e l u a n g k a n w a k t u n y a u n t u k m e n g i s i k u i s i o n e .r

  1 1 . K e p a d a k e d u a o r a n g t u a s a y a y a n g t e l a h m e m b e ir k a n s e m a n g a t , d u k u n g a n b i a y a , k a s i h s a y a n g .

  1 2 . K e p a d a M a s B u d i y a n g t e l a h m e m b e ir k a n m o it v a s i k e p a d a p e n u il s u n t u k m e n y e l e s a i k a n s k ir p s i i n i n d a t e l a h m e m b e ir k a n u a n g s a k u t a m b a h a n .

  1 3 . K e p a d a M b a k I t a y a n g t e l a h m e m b e ir k a n m o it v a s i k e p a d a s a y a u n t u k m e n y e l e s a i k a n s k ir p s i i n .i 1 4 . K e p a d a B ir a n B a y u A j i y a n g t e l a h m e m b a n t u , m e n e m a n i s a y a u n t u k m e n c a r i b a h a n k e p e r p u s t a k a a n d a n s a il n g t u k a r p e n d a p a t .

  1 5 . T o g a K u r n i a w a n M a n u l a n g m e m be ir k a n m o it v a s i , m e m b e ir k a n s a r a n , p i n j a m a n b u k u d a n k ir it k . x

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1 6 . Y u il u s t e ir m a k a s i h a t a s b a n t u a n n y a s a a t d i k o s t a n .

  1 7 . K e p a d a F l o r e n it n a y a n g t e l a h m e m b e ir k a n p i n j a m a n b u k u s e tr a d u k u n g a n .

  1 8 . H o t d i a n t o S i n a g a y a n g t e l a h m e m b a n t u p e r s i a p a n u ij a n p e n d a d a r a n s e tr a d u k u n g a n .

  1 9 . T e ir m a k a s i h k e p a d a L u k a s Y u il a n t o . 2 . S e tr a s e m u a p i h a k y a n g it d a k b i s a d i s e b u t k a n o l e h p e n u il s s a y a u c a p k a n b a n y a k t e ir m a k a s i h .

  Y o g y a k a tr a ,

  2

  1 J a n u a r i

  2

  1

  3 A n t o n i u s A r i P r a s e t y o x i ii x

  I S

  I L B U P N A U J U T E S R E P N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . ii i v

   I B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  N A U L U H A D N E P

  I P M A L R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. x i x

  R A B M A G R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . i v x ii N A R

  I R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. xii L E B A T R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. v x ii

  I S

  R A T N A G N E P A T A K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . x i

  I S A K

  

I R A T F A D

H n a m a l a

  K A R T S B A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . i v T C A R T S B A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . ii v

  I L S A E K N A A T A Y N R E P N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . v

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. v i A Y R A K N A

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ii i N A H A B M E S R E P N A D O T T O M N A M A L A H

  I B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ii N A H A S E G N E P N A M A L A H

  I B M

  G N

  L U D U J N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. i M E P N A U J U T E S R E P N A M A L A H

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI ii i x . A g n a k a l e B r a t a L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  1 . B h a l a s a M n a s u m u R .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  1 . E n a a k a l e c e K i s n a r u s A n a u j u T

  4

  1 .I T a g n a j n u n a k t a p a d n e M g n a Y n a a k a l e c e K n .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 3

  1 . H n a a k a l e c e K n a g n o l o g g n e P

  3

  1 . G b a b e S - n a a k a l e c e K a y n i d a jr e T b a b e S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  2

  1 . F n a a k a l e c e K i s i n if e D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 2

  1 . D i s n a r u s A i s i n if e D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  3 . C h a l a s a M n a s a t a b m e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 0

  8 . C h a k g n a L - h a p U t a k g n i T n a k p a t e n e M h a k g n a L

  8 . B r o t k a F - i h u r a g n e p m e M g n a Y r o t k a F G ij a n a d h a p U t a k g n i T .. .. .. .. .. .. .. ..

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 8 . A h a p U i s i n if e D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

   I I B A B

  I J A K

  5 N A K A T S U P N A

  4 . F n a s il u n e P a k it a m e t s i S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  4 . E n a it il e n e P t a a f n a M .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  3 . D n a it il e n e P n a u j u T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI v i x .J n a a k a l e c e K n a n u t n a S i s i d n o K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  6

  2 H s i s e t o p i n a s u m u R . S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  2

  3 . E l e p m a S n a d i s a l u p o P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  3 . D n a it il e n e P l e b a ir a V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 0

  3 . C n a it il e n e P i s a k o L n a d u t k a W

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 0

  3 . B n a it il e n e P k e j b O n a d k e j b u S

  3 . A n a it il e n e P s i n e J .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  I B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

   I I

  I L E N E P E D O T E M

  I T

  2 N A

  9

  8

  1 . K n a n u t n a S n a n i m a J .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  2 . R n a it il e n e P l a u t p e s n o K a k g n a r e K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  8

  2 . Q a y n m u l e b e S n a it il e n e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  6

  2 . P h a k g n a L - a jr e n i K n a t a k g n i n e P h a k g n a L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  I a jr e n i K h u r a g n e P . O O i s a s i n a g r a jr e n i K p a d a h r e T k o p m o l e K .. 6

  2 , u d i v i d n

  4

  2 F r o t k a . N - a jr e n i K i h u r a g n e p m e M g n a Y r o t k a F .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  4

  2 . M a jr e n i K i s i n if e D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  K i s k u rt n o a s a J r o t k e S a d a P k e t s o s m a J m a r g o r P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 2

  1 . L

  8

  3 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI v x . F g n il p m a S k i n k e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  2

  I S

  63 A K A T S U P R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  62 . B n a r a S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 62 . C n a s a t a b r e t e K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  62 . A n a l u p m i s e K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

   I V B A B .. .. .. .. .. .. .. .. .. .

  I S E K

  61 N A S A T A B R E T E K N A D , N A R A S , N A L U P M

  48 . B n a s a h a b m e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 48 . A a t a D s i s il a n A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  V B A B

  I L A N A

  N A S A H A B M E P N A D A T A D S

  3 . G a t a D r e b m u S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  44 . A r e P g n a k a l e B r a t a L n a a h a s u .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 44

  V I B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  3 N A A H A S U R E P M U M U N A R A B M A G

  9

  36 . K a t a D s i s il a n A k i n k e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  3 .J k i s a l K i s m u s A i j U .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 3

  3 .I n e m u rt s n I n a ij u g n e P k i n k e T

  .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 3

  3 . H a t a D n a l u p m u g n e P k i n k e T

  2

  64 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  i v x A 1 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 67 A 2 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 74 A 3 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 76 A R

  I P M A L

  4 N .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 83 A 5 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 92 A 6 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 94 A 7 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 96 A 8 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 0 1 2 A 9 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 0 1 6 ii v x

  

L E B A T R A T F A D

H n a m a l a l u d u J l e b a T

  R n e d n o p s e k it s ir e t k a r a K 5 .

  58 . V 0 1 i s a n i m r e t e D n e i s if e o K .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  58 . V 9 h u r a g n e P i s n a k if i n g i S n a ij u g n e P l a i s r a P i j U n a g n e d t .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  V F i j U n a g n e d n a tl u m i S h u r a g n e P i s n a k if i n g i S n a ij u g n e P .. .. .. .. .. .. .. .. .. .. .. .. .

  58 8 .

  54 7 . V il a n A a d n a g r e B r e i n i L i s e r g e R s i s .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  53 M s a ti r e i n il o k it l u k i s a l K i s m u s A i j U 6 .

  V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  V .. .. .. 52

  U h a p l e b a ir a V s a ti d il a

  K n a w a y r a a jr e n i K n a d a jr e K n a a k a l e c e K i s n a r u s A , h a p U s a ti li b a e R 4 .

  V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 51

  V 3 .

  5 K n a w a y r a a jr e n i K s a ti d il a

  V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  V 2 .

  49 K a jr e n a a k a l e c e K i s n a r u s A l e b a ir a V s a ti d il a

  V .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  V 1 .

  6 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI ii i v x

  

R A B M A G R A T F A D

G r a b m a l e b a T H n a m a l a 1 .

  V s A l i s a H s a ti s it s a d e k s o r e t e H k i s a l K i s m u .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  55 . V 2 s a ti l a m r o N k i s a l K i s m u s A i j U l i s a H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  56 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 0 1 5

  A 8 N R

  P n a it il e n e n ij I t a r u S

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 1 1

  95 K r e n o i s i u A 8 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  93 R n a d F , t l e b a T A 7 N R

  I P M A L i s a n i m r e t e D n e i s if e o K A 6 N .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  91 R

  x i x

  N A R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 82

  75 K k i s a l i s m u s A i j U A 4 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  A 3 N R

  73 R s a ti li b a e n a d s a ti d il a V s i s il a n A

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  66 R n e d n o p s e k it s ir e t k a r a K A 2 N R

  I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  P n a it il e n e a t a D i s a l u b a T A 1 N R

  I P M A L R A T F A D J l u d u n a r i p m a L . o N H n a m a l a

  B a d n a g r e i s e r g e R s i s il a n A A 5 N R

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  

B A B

  I P E N D A H U L U A N . a B t a e l a k a n g M a s a l a h A L r

  D i e r a g l o b a il s a s i s a a t i n i j a s a k o n rt a k t o r a d a l a h s e b u a h s e k t o r y a n g m e m e g a n g p e r a n p e n it n g d a l a m p e m b a n g u n a n I n d o n e s i a . H a l i n i m e n y e b a b k a n a d a n y a p e r s a i n g a n a n t a r a k o n rt a k t o r l o k a l d a n k o n rt a k t o r a s i n g . O l e h s e b a b ti u k o n rt a k t o r d ti u n t u t u n t u k m e n g e l o l a s u m b e r d a y a m a n u s i a s e c a r a p r o f e s i o n a l d a n e f e k t fi . a K r e n a p e n g e l o l a a n s u m b e r d a y a m a n u s i a a d a l a h s e b a g a i h a l y a n g p a il n g p e n it n g d a l a m s e b u a h p e r u s a h a a n .

  U s a h a d i b i d a n g k o n s rt u k s i m e r u p a k a n b i d a n g u s a h a y a n g m e m e lr u k a n b a n y a k k a r y a w a n u n t u k m e n j a l a n k a n p r o y e k p e r u s a h a a n .

  S e o r a n g k a r y a w a n y a n g m a s u k k e d a l a m s u a t u p e r u s a h a a n m e n g i n g i n k a n a d a n y a b a l a s j a s a y a n g s e s u a i u n t u k d a p a t m e m e n u h i k e b u t u h a n h i d u p n y a .

  O l e h s e b a b ti u p e r u s a h a a n k o n rt a k t o r p e lr u a d a n y a p e n g e l o l a a n s i s t e m p e n g u p a h a n y a n g s e s u a i d a n t e t a p m e m p e r h a it k a n p a d a s e it a p h a s i l m a u p u n k e s e j a h t e r a a n y a n g d ri a s a k a n o l e h p a r a k a r y a w a n . D e n g a n a d a n y a b a l a s j a s a y a n g d i b e ir k a n o l e h p e r u s a h a a n d e n g a n c a r a m e m b e ir k a n u p a h .

  P e m b e ir a n u p a h y a n g s e s u a i k a r y a w a n a k a n t e r m o it v a s i u n t u k b e k e jr a s e c a r a m a k s i m a l . P a r a k a r y a w a n y a n g b e k e jr a s e c a r a m a k s i m a l t e n t u d a p a t m e m b a n t u p e r k e m b a n g a n p e r u s a h a a n u n t u k m a m p u b e r s a i n g . A k a n t e t a p i p e m b e ir a n u p a h y a n g s e s u a i b e l u m t e n t u b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n t e r k a d a n g s e it a p k a r y a w a n y a n g m e n d a p a t k a n u p a h y a n g s e s u a i d e n g a n p e k e jr a a n m e r e k a , t e t a p i t e r d a p a t j u g a k a r y a w a n b e r m a - l a s m a l a s a n

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  2 k a r e n a m e r a s a p e r u s a h a a n m e m b u t u h k a n m e r e k a u n t u k b e k e jr a d a l a m p e r u s a h a a n ti u . K i n e jr a k a r y a w a n y a n g r e n d a h a k a n m e r u g i k a n p e r u s a h a a n s e h i n g g a h a s i l k e jr a m e n j a d i r e n d a h .

  S e it a p p e r u s a h a a n t e l a h d i b e lr a k u k a n U - n d a n g U n d a n g k e c e l a k a a n s e j a k t a h u n

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  4 7 y a n g k e m u - d i a n m e n j a d i U n d a n g U n d a n g N o . 2 t a h u n

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  5 1 y a n g b e r l a k u u n t u k s e l u r u h I n d - o n e s i a . U n d a n g U n d a n g i n i m e m b e ir k a n k e w a ij b a n b a g i p e n g u s a h a u n t u k m e m b e r i t u n j a n g a n a t a u g a n t i r u g i k e r u g i a n k e p a d a t e n a g a k e jr a y a n g m e n d a p a t k a n k e c e l a k a a n a t a u m e n d e r ti a s a k i t a k i b a t h u b u n g a n k e jr a t a n p a p e m b u k it a n m e n g e n a i a d a n y a k e s a l a h a n y a n g m e n y e b a b k a n k e c e l a k a a n d a n s a k i t t e r s e b u t S e n t a n o e K e tr o n e g o r o , (

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  8 6 ) . U n t u k ti u p e r u s a h a a n k o n s rt u k s i i n i m e m b e ir k a n j a m i n a n a s u r a n s i k e c e l a k a a n k e jr a , j a m i n a n i n i m e m b e ir k a n m a n f a a t s e c a r a if n a n c i a l b a g i k a r y a w a n d a l a m m e l a k u k a n p e k e jr a a n d i p e r u s a h a a n k o n rt a k t o r . A s u r a n s i d i b e ir k a n o l e h p e r u s a h a a n k o n rt a k t o r b a h w a p e k e jr a a n y a n g d li a k u k a n o l e h p a r a k a r y a w a n t e r s e b u t b e r h u b u n g a n d e n g a n m e s i n b e r a t s e h i n g g a s a n g a t m u n g k i n t e jr a d i k e c e l a k a a n k e jr a d a l a m m e n j a l a n k a n p r o y e k p e r u s a h a a n . D e n g a n a d a n y a a s u r a n s i k e c e l a k a a n k e jr a m a k a k a r y a w a n a k a n m e n d a p a t k a n m a n f a a t d a r i s e g i b i a y a b li a t e jr a d i k e c e l a k a a n k e jr a y a n g it d a k d ii n g i n k a n o l e h k a r y a w a n d a n p e r u s a h a a n k o n rt a k t o r .

  B e r d a s a r k a n l a t a r b e l a k a n g t e r s e b u t d i a t a s , m a k a p e n u il s t e r d o r o n g u n t u k m e n g a n g k a t j u d u l p e n e il it a n d e n g a n j u d u l “ P E N G A R U H U P A H D A N A S U R A N S

  I K E C E L A K A A N K E R J A T E R H A D A P K

  I N E R J A

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  1 7 / R W 5 M u l u r , B e n d o s a ir , S u k o h a jr o .

  . R u m u s a n M a s a l a h B

  B e r d a s a r k a n l a t a r b e l a k a n g d i a t a s m a k a p e n u il s m e r u m u s k a n m a s a l a h s e b a g a i b e ir k u :t 1 . A p a k a h u p a h b e r p e n g a r u h s e c a r a p a r s i a l t e r h a d a p k i n e jr a k a r y a w a n p a d a C

  V . S A S M

  I T O ? 2 . A p a k a h a s u r a n s i k e c e l a k a a n k e jr a b e r p e n g a r u h s e c a r a p a r s i a l t e r h a d a p k i n e jr a k a r y a w a n p a d a C V . S A S M

  I T O ? 3 . A p a k a h u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a s i m u tl a n b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n p a d a C V . S A S M

  I T O ?

  . e m b a t a s a n M a s a l a h C P

  • F a k t o r f a k t o r y a n g m e m p e n g a r u h i k i n e jr a k a r y a w a n m e il p u t i u p a h , il n g k u n g a n k e jr a , a s u r a n s i k e c e l a k a a n k e jr a , it n g k a t s rt e s , d a n m o it v a s i k e jr a . U n t u k m e n e n t u k a n m a k s u d p e n e il it a n p e lr u a d a n y a p e m b a t a s a n m a s a l a h a g a r p e n e il it a n y a n g d li a k u k a n it d a k t e lr a l u m e l u a s m a k a p e n e il it a n m e n g g u n a k a n b e b e r a p a f a k t o r y a ti u : 1 . U p a h 2 . A s u r a n s i k e c e l a k a a n k e jr a

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  V C a d a p .

  1 n a a h a s u r e P i g a B M e p i r a d t a a f n a n a g a b e s h a l a d a i n i n a it il e i n a g n a b m it r e p n a h a b n a a h a s u r e p i g a b i u h a t e g n e m k u t n u n a d h a p u l e b a ir a v r a s e b a p a r e b h u r a g n e p r e b a jr e k n a a k a l e c e k i s n a r u s a a jr e n i k p a d a h r e t . . 2 a m r a h D a t a n a S s a ti s r e v i n U i g a B

  E M t a a f n a P n a it il e n e .

  V C a d a p n a w a y r a k a jr e n i k p a d a h r e t h u r a g n e p r e b .

  ? O T I M S A S .

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  V C a d a p n a w a y r a k a jr e n i k p a d a h r e t .

  2 A n a a k a l e c e k i s n a r u s a h a k a p l a i s r a p a r a c e s h u r a g n e p r e b a jr e k ? O T I M S A S .

  4 . 3 n a w a y r a k a d a p i s a t a b i d a jr e n i K P n a i g a B . l e O T I M S A S .

  V C a n a s k a O T I M S A S .

  .

  B n a s u m u r a d a p t a p a d r e t g n a y n a h a l a s a m r e p n a k r a s a d r e , i n i n a it il e n e p a k a m s a t a i d t u b e s r e t h a l a s a m a g a b e s n a u j u t i k il i m e m i t u k ir e b :

  . D T P n a it il e n e n a u j u

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  1 A h u r a g n e p r e b h a p u h a k a p l a i s r a p a r a c e s n a w a y r a k a jr e n i k p a d a h r e t ? O T I M S A S .

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  5 M i a g a b e s n a k i d a ji d t a p a d a tr e s n a a c a b i s n e r e f e r h a b m a n e a y n t u j n a l e s n a it il e n e p n a u c a n a h a b i s n a r u s a n a d h a p u g n a t n e t

  . n a w a y r a k a jr e n i k p a d a h r e t a jr e k n a a k a l e c e k . 3 s il u n e P i g a B

  U e p i g a b n a s a w a w h a b m a n e m k u t n n a p a r e n e p g n a t n e t s il u n a i s u n a m a y a d r e b m u s u m li h a l e t g n a y u m li n a k p a r e n e m a tr e s h a il u k a m a l e s h e l o r e p i d .

  . F P n a s il u n e a k it a m e t s i S

  D n a m a h a m e p n a k h a d u m e m m a l a d i n i i s p ir k s n a n u s u y n e p m a l a :t u k ir e b i a g a b e s a k it a m e t s i s t a u b i d

  I b a B : n a u l u h a d n e P

  B i n i b a , n a s u m u r h a l a s a m g n a k a l e b r a t a l i r a d i ri d r e t

  , il e n e p n a u j u t h a l a s a m n a s a t a b , h a l a s a m it t a a f n a m n a d , n a . n a it il e n e p

  I I b a B a k a t s u P n a ij a K :

  B i r a d l i b m a i d g n a y i r o e t n a s a d n a l i a n e g n e m i s ir e b i n i b a . s a h a b i d n a k a g n a y h a l a s a m n a g n e d n a ti a k r e b g n a y r u t a r e ti l

  , r o t k a f h a p u n a it r e g n e p i r a d i ri d r e T - n a y r o t k a f g , n a l h a p u t a k g n it i h u r a g n e p m e m h a k g - n a k u t n e n e m h a k g n a l

  , b a b e s i s n a r u s a n a u j u t ,i s n a r u s a i s i n if e d , h a p u t a k g n it

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  6 m e n d a p a t k a n t u n j a n g a n , b e s a r n y a s a n t u n a n k e c e l a k a a n k e jr a , d e if n i s i k i n e jr a k - a r y a w a n , f a k t o r f a k t o r y a n g m e m p e n g a r u h i k i n e jr a k a r y a w a n .

  B a b

  I I I : M e t o d o l o g i P e n e il it a n

  B a b i n i b e ir s i m e n g e n a i j e n i s p e n e il it a n , s u b j e k d a n o b j e k p e n e il it a n , w a k t u d a n l o k a s i p e n e il it a n , v a ir a b e l p e n e il it a n , d e if n i s i o p e r a s i o n a l , t e k n i k p e n g u m p u l a n d a t a , d a n t e k n i k a n a il s i s d a t a .

  B a b

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  : G a m b a r a n U m u m S u b j e k P e n e il it a n B a b i n i b e ir s i k a n t e n t a n g s e j a r a h b e r d i ir n y a p e r u s a h a a n C V . S A S M

  I T O , y a n g m e n j a d i s u b j e k p e n e il it a n a d a l a h p a r a k a r y a w a n b a g i a n p e l a k s a n a , s rt u k t u r o r g a n i s a s i p e r u s a h a a n d a n t u g a s s e tr a w e w e n a n g .

  B a b V : A n a il s i s D a t a d a n P e m b a h a s a n

  B a b i n i b e ir s i k a n t e n t a n g p e n g u ij a n d a t a m e n g g u n a k a n u j i v a il d ti a s , r e il a b e l , p e n g u ij a n a s u m s i k l a s i k m e il p u t i : u j i a s u m s i k l a s i k m u l it k o il n i e r ti a s , u j i a s u m s i k l a s i k h e t e r o s k e d a s it s ti a s , u j i a s u m s i n o r m a l ti a s d a n p e n g u ij a n d a t a s e c a r a p a r s i a l d a n p e n g u ij n d a t a s e c a r a s i m u tl a n .

  B a b

  V I : K e s i m p u l a n , S a r a n , d a n K e t e r b a t a s a n

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  7 , n a it il e n e p l i s a h i r a d n a l u p m i s e k g n a t n e t n a k i s ir e b i n i b a B i g a b a n u g r e b t a p a d g n a y n a r a s a tr e s n a d n a a h a s u r e p s il u n e p n a s a t a b r e t e k i n i n a it il e n e p n a k u k a l e m m a l a d .

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B A B

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  I A N P U S T A K A . e if n i s i u p a h A D

  M e n u r u t E d w i n B . F il p p o , F J H H V a n D e r V e n d a n D e w a n P e n e il it a n P e n g u p a h a n N a s i o n a l ( d a l a m J u s it n e T . S ri a ti ,

  2 6 :

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  8 4 ) , s e b a g a i b e ir k u :t 1 . E d w i n B . F il p p o U p a h a d a l a h h a - r g a u n t u k j a s a j a s a y a n g t e l a h d i b e ir k a n u n t u k s e s e o r a n g k e p a d a o r a n g l a i n .

  2 . V e n E d w i n B . F il p p o U p a h a d a l a h t u j u a n o b j e k it f k e jr a e k o n o m i 3 . M e n u r u t d e w a n p e n e il it a n p e n g u p a h a n n a s i o n a l U p a h a d a l a h s u a t u p e n e ir m a a n s e b a g a i s u a t u i m b a l a n d a r i p e m b e r i k e r j a u n t u k s u a t u p e k e jr a a n a t a u j a s a y a n g t e l a h d a n a k a n d li a k u k a n .

  

. a t Y o r a M n g e m p e n g a r u h i T i n g k a t U p a h d a n G i a j

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  8 5 ) , a d a l a h : 1 . S u p p l y d a n d e m a n d t e n a g a k e jr a ( p e n a w a r a n d a n p e r m i n t a a n t e n a g a k e jr a ) W a l a u p u n h u k u m e k o n o m i it d a k b i s a d ti e t a p k a n s e c a r a m u lt a k d i d a l a m m a s a l a h t e n a g a k e jr a , t e t a p i it d a k b i s a d i a b a i k a n

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  9 b a h w a s u p ll y d a n d e m a n d t e t a p m e m p e n g a r u h i u n t u k p e k e jr a a n y a n g m e m b u t u h k a n k e rt a m p li a n it n g g i , d i m a n a b i a s a n y a j u m l a h t e n a g a k e jr a y a n g t e r s e d i a it d a k b e g ti u b e s a r a t a u l a n g k a , s e h i n g g a u p a h n y a c e n d e r u n g it n g g i . S e b a il k n y a u n t u k j - a b a t a n j a b a t a n m e m p u n y a i s u p p l y y a n g b e r il m p a h m a k a u p a h m e n j a d i r e n d a h .

  L a b o r u n i o n

  2 . ( o r g a n i s a s i p e k e jr a ) A d a it d a k n y a o r g a n i s a s i b u r u h a t a u l e m a h it d a k n y a o r g a n i s a s i b u r u h t e t a p i k u t m e m p e n g a r u h i t e r b e n t u k n y a it n g k a t u p a h .

  B a h k a n l a b o r u n i o n a y n g k u a t d a p a t t e r il b a t l a n g s u n g d a l a m m a n a j e m e n p e r u s a h a a n d a n i k u t m e n e n t u k a n it n g k a t u p a h y a n g d i b a y a .r 3 . A b li ti y t o p a y ( k e m a m p u a n u n t u k m e m b a y a r ) R e a il s a s i p e m b e ir a n u p a h d a n g a ij t e r g a n t u n g p a d a k e m a m p u a n m e m b a y a r d a r i p e r u s a h a a n . J i k a d i it n j a u d a r i s e g i p e r u s a h a a n , u p a h d i k e l o m p o k a n s e b a g a i s a l a h s a t u k o m p o n e n b i a y a p r o d u k s i . T i n g g i n y a b i a y a p r o d u k s i m e n g a k i b a t k a n k e r u g i a n d a n p e r u s a h a a n it d a k d a p a t m e m b e ir k a n f a s li ti a s k e p a d a p e g a w a .i

  4 . P r o d u k it v ti a s U p a h s e b e n a r n y a m e r u p a k a n i m b a l a n a t a s p r e s t a s i . S e m a k i n it n g g i p r e s t a s i , s e h a r u s n y a s e m a k i n b e s a r u p a h y a n g d ti e ir m a .

  P r e s t a s i d i n y a t a k a n s e b a g a i p r o d u k it v ti a .s

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  1 5 . C o s t o f il v i n g ( b i a y a h i d u p )

  U p a h c e n d e r u n g m e n i n g k a t d i k o t a - o k t a b e s a r . P e m e ir n t a h t e l a h m e n e t a p k a n p e r a t u r a n u p a h u n t u k s u a t u p r e s t a s i y a n g d i s e s u a i k a n d e n g a n k e k u a t a n e k o n o m i s u a t u d a e r a h . 6 . P e m e ir n t a h

  P e m e ir n t a h b i a s a n y a m e n e t a p k a n it n g k a t u p a h m i n i m u m u n t u k s e it a p d a e r a h k e jr a .

  L a n g k a - . h L a n g k a h M e n e t a p k a n T i n g k a t U p a h C

  M e n u r u t G a r y D e s s l e r ( d a l a m J u s it n e T . S ri a ti ,

  2 6 : 7 1 ) ,

  8 a d a l a h s e b a g a i b e ir k u :t 1 . M e n y e l e n g g a r a k a n s u r v e y g a j .i 2 . M e n e n t u k a n n li a i j a b a t a n m e l a l u i e v a l u a s i j a b a t a n .

  3 . M e n g e l o m p o k a n j a b a t a n d a l a m it n g k a t u p a h . 4 . M e n e t a p k a n h a r g a s e it a p it n g k a t u p a h m e l a l u i k u r v a u p a h . 5 . M e n y e m p u r n a k a n it n g k a t u p a h .

  . D e if n i s i A s u r a n s i D

  M e n u r u t H e r m a n D a r m a w i , (

  2 6 : 2 ) , d e if n i s i a s u r a n s i d i il h a t d a r i b e r b a g a i s u d u t p a n d a n g y a ti u : a s p e k e k o n o m i , h u k u m , s o s i a l , b i s n i s , m a t e m a it k a a d a l a h s e b a g a i b e ir k u t : 1 . D a l a m p a n d a n g a n e k o n o m i , a s u r a n s i m e r u p a k a n s u a t u m e t o d e u n t u k m e n g u r a n g i r e s i k o d e n g a n j a l a n m e m i n d a h k a n d a n m e n g k o m b i n a s i k a n k e it d a k p a s it a n a k a n a d a n y a k e r u g i a n k e u a n g a n ( if n a n c i a l ) . J a d i , b e r d a s a r k a n k o n s e p e k o n o m i ,

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  1 a s u r a n s i b e r k e n a a n d e n g a n p e m i n d a h a n d a n m e n g k o m b i n a s i k a n r e s i k o .

  2 . D a l a m s u d u t p a n d a n g h u k u m , a s u r a n s i m e r u p a k a n s u a t u k o n rt a k ( p e jr a n ij a n ) p e tr a n g g u n g a n r e s i k o a n t a r a t e tr a n g g u n g d e n g a n p e n a n g g u n g . P e n a n g g u n g b e jr a n j i a k a n m e m b a y a r k e r u g i a n y a n g d i s e b a b k a n r e s i k o y a n g d i p e tr a n g g u n g k a n k e p a d a t e tr a n g g u n g . S e d a n g k a n t e tr a n g g u n g m e m b a y a r p r e m i s e c a r a p e ir o d i k k e p a d a p e n a n g g u n g . J a d i , t e tr a n g g u n g m e m p e tr u k a r k a n k e r u g i a n b e s a r y a n g m u n g k i n t e jr a d i d e n g a n p e m b a y a r a n t e tr e n t u y a n g r e l a t fi k e c i .l

  3 . D a l a m s u d u t p a n d a n g b i s n i s , a s u r a n s i a d a l a h s e b u a h p e r u s a h a a n y a n g u s a h a u t a m a n y a m e n e ir m a a t a u m e n j u a l j a s a , p e m i n d a h a n r e s i k o d a r i p i h a k l a i n , d a n m e m p e r o l e h k e u n t u n g a n d e n g a n b e r b a g a i r e s i k o d i a n t a r a s e j u m l a h b e s a r n a s a b a h n y a . S e l a i n ti u , a s u r a n s i j u g a m e r u p a k a n l e m b a g a k e u a n g a n b u k a n b a n k , y a n g k e g i a t a n y a m e n g h i m p u n d a n a ( b e r u p a p r e m i ) d a r i m a s y a r a k a t y a n g k e m u d i a n m e n g i n v e s t a s i k a n d a n a ti u d a l a m b e r b a g a i k e g i a t a n e k o n o m i ( p e r u s a h a a n .) 4 . D a r i s u d u t p a n d a n g s o s i a l , a s u r a n s i d i d e if n i s i k a n s e b a g a i o r g a n i s a s i s o s i a l y a n g m e n e ir m a p e m i n d a h a n r e s i k o d a n m e n g u m p u l k a n d a n a - d a r i a n g g o t a a n g g o t a n y a g u n a m e m b a y a r k e r u g i a n y a n g m u n g k i n t e jr a d i p a d a m a s i n g m a s - i n g a n g g o t a

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  .r e t k o d h e l o n a k u t n e ti d t a p a d a y n t a p m e t

  ) g n a y g n a r o e s e s i n a m s a j( n a d a b p a d a h r e t ,r a u l ir a d a y n g n a t a d g n a y t a c a c u a t a n a it a m e k n a k t a b i k a g n e m , t a fi s g n a y a k u l u a t a n a d

  9 1 ( , u a t a n a r u t n e b h a l a d a , i p a u a t a s a g u a t a ) i w a i m i k ( r i a c a d n e b u a t a s a r e k a d n e b n a h u t n e s

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  P a b r u s k i d a R t u r u n e m a jr e k , )

  , g n a y i s n a r u s a g n a d i b m a l a D n a a k a l e c e k n a g n e d d u s k a m i d

  F D i s i n if e n a a k a l e c e K

  , u t a u s h e l o n a k t a b i k a i d g n a y a y n a ti r e d i d g n a y n a i g u r e k u t a u s . n a a k a l e c e k .

  2

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  . n a k l a m a ri d t a p a d g n a y l i s a h i a p a c n e m k u t n u n a k a n u g r e p i d .

  5 , i s a k il p a n a k a p u r e m i s n a r u s a a k it a m e t a m n a g n a d n a p m a l a D e m h a d e a f n a d a y a i b g n u ti h g n e m m a l a d a k it a m e t H k it s it a t s k i n k e t n a d s a ti li b a b o r p m u k u . o k i s e r n a g n u g g n a tr e p

  H l u k i p i d a t o g g n a p a it e s n a i g u r e k i tr a r e b i n i l a . i s a s i n a g r o . a m a s r e b .

  , i m a l a g n e m h a n r e p k a d it g n a y a t o g g n a a k a m a t o g g n a n a i g u r e k s o s g n a d n a p t u d u s i r a d p a d a h r e t g n a b u y n e p n a k a p u r e m l a i

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  1 K a r a c e s i d a jr e t g n a y a w it s ir e p u t a u s h a l n a k u b n a a k a l e c e

  K h a l a d a n a a k a l e c e . b i s a n n a l a o s r e p a n e r a k u a t a a j a s n a l u t e b e k , a w it s ir e p p a it e s k u t n u n a d n a k a n a c n e r e t k a t g n a y a w it s ir e p u t a u s u t n e t

  , n a k a s u r e k a y n i d a jr e t t a b i k a r e b n a k a g n a y a y n b a b e y n e p a d a . a il a n o s r e p n u p u a m g n a r a b a d a p k i a b .

  G S b a b e - n a a k a l e c e K a y n i d a j r e T b a b e S

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  6 , 2 ( ti a ri S . T e n it s u J t u r u n e m a m a t u b a b e s 2 i d a j n e m b e s u ti a y :t u k ir e b i a g a .

  1 b a b e S - s i n k e t b a b e s , k ir b a p n a k u r u b e k h a l a s a m t u k g n a y n e m a y n a s a i B

  , n i s e m g n a r u k g n a y n a g n a r e n e p , n a k a n u g i d g n a y n a t a l a r e p

  • y n i s e m n u g g n e p , a r a h il e p r e t g n a r u k g n a

  g n a r u k g n a y a n r a w n a a , n a g n u k g n il a y n k u r u b n a d k u r u b g n a y i s a li t n e v , s a rt n o k

  B h e l o n a k a n e r a k i d a y n a s a i

  s e i c n e i c if e d

  n a w a y r a k a r a p it a h k a d it u a t a h o b o r e c g n a y t a fi s i tr e p e s - u p m a m k a d it , it a h , n i a l n a d k u b a m e p k u t n a g n e m , k i a b n a g n e d s a g u t n a k n a l a j n e m b e s . a y n i a g a

  . H P n a g n o l o g g n e K n a a k a l e c e

  K t u r u n e m m a c a m 3 m a l a d e k n a k g n o l o g i d t a p a d n a a k a l e c e

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  4 1 . K e c e l a k a a n d i ir B i a s a n y a d ti a n g g u n g o l e h p e r u s a h a a n a s u r a n s i ij w a .

  2 . K e c e l a k a a n t e n a g a k e jr a D ti a n g g u n g o l e h s u a t u l e m b a g a y a n g d ti u n j u k a t a u d i b e n t u k o l e h p e m e ir n t a h , s e p e tr i p e r u s a h a a n u m u m a s u r a n s i s o s i a l t e n a g a k e jr a ( J a m s o s t e k ) d i I n d o n e s i a . 3 . K e c e l a k a a n d a l a m p e n g a n g k u t a n ( d a r a ,t l a u t , u d a r a )

  K e c e l a k a a n d a l a m p e n g a n g k u t a n a t a u l a l u il n t a s j a l a n j u g a b i s a d ti a n g a n i o l e h p e r u s a h a a n a s u r a n s i ij w a . N a m u n d i I n d o n e s i a , k e c e l a k a a n d a l a m p e n g a n g k u t a n ( d a r a t , l a u t , u d a r a ) d ti a n g a n i o l e h s u a t u p e r u s a h a a n y a n g d i b e n t u k o l e h p e m e ir n t a h , y a ti u P T . A s u r a n s i K e r u g i a n J a s a R a h a jr a .

  

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  • M a c a m m a c a m k e c e l a k a a n k e jr a y a n g b e r h a k m e m p e r o l e h t u n - j a n g a n t u n j a n g a n ( b i a y a p e n g o b a t a n a t a u p e r a w a t a n , t u n j a n g a n s e m e n t a r a , t u n j a n g a n k e m a it a n , t u n j a n g a n c a c a t t e t a p ) m e n u r u t R a d i k s P u r b a , (

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  5 3 ) , a d a l a h s e b a g a i b e ir k u t : 1 . K e c e l a k a a n y a n g m e n i m p a t e n a g a k e jr a , y a n g t e jr a d i it d a k d i s e n g a j a d a n it d a k p u l a d ri e n c a n a k a n , k e c e l a k a a n y a n g d a t a n g n y a d a ir l u a r t u b u h t e n a g a k e jr a y a n g b e r s a n g k u t a n , y a n g m e n g a k i b a t k a n l u k a a t a u c a c a t t e t a p y a n g d a p a t

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  5 d i il h a t o l e h m a t a a t a u y a n g d a p a t d i n y a t a k a n o l e h d o k t e r , y a n g t e jr a d i s e l a m a : a . S e j a k t e n a g a k e jr a b e r a n g k a t d a ir r u m a h m e n u j u t e m p a t k e jr a ; d a n b . S e l a m a d i t e m p a t k e jr a ; d a n c . K e m b a l i k e r u m a h h i n g g a s a m p a i d i r u m a h m e l a l u i j a l u r y a n g t e t a p . 2 . P e n y a k i t j a b a t a n y a ti u p e n y a k i t y a n g t e jr a d i p a d a t e n a g a k e jr a k a r e n a h u b u n g a n k e jr a , y a n g b i s a it - m b u l s e c a r a it b a it b a a t a u m e l a l u i p r o s e s d a l a m j a n g k a w a k t u t e tr e n t u , d i a n g g a p s e b a g a i k e c e l a k a a n k e jr a m i s a l n y a : a . P e n y a k i t d e c o m p r e s s i o n d a p a t d i d e r ti a b li a b e k e jr a p a d a t e m p a t y a n g t e k a n a n u d a r a n y a b e r - u b a h u b a h b . S e m u a p e k e jr a a n y a n g b e r h u b u n g a n l a n g s u n g d e n g a n a m m o n i a k , a r s e n i k , a t a u k o m p e n e n r a c u n a r s e n i c , c a r b o n d i o k s i d a y a n g d a p a t m e n i m b u l k a n k e r a c u n a n b a g i p a r a p e k e jr a . c S . e it a p p e k e jr a y a n g b e r h u b u n g a n l a n g s u n g d e n g a n p a n a s y a n g b e lr e b i h a n d a p a t m e n i m b u l k a n k e p a n a s a a n , k e j a n g , d a n p i n g s a n . d . S e t i a p p e k e jr a y a n g b e r h u b u n g a n l a n g s u n g d e n g a n d i n g i n y a n g b e lr e b i h a n d a p a t m e n i m b u l k a n k e k a k u a n ,

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  2 3 :

  y ti li b a s i d t n e n a m r e p ) B ( )

  .i r a h o p m e t i s n a r u s a . 2 ( p a t e t t a c a c k u t n u n a n u t n a S

  , r a s e b e s g n u g g n a n e p i r a d n a n u t n a s h e l o r e p m e m ) s il o p m a l a d i d , p u t u n e m a k it e k n a k u t n e ti d a y n r a s e b g n a y n a g n u g g n a tr e p g n a u

  B h e l o n a k b a b e s i d a i n u d l a g g n i n e m g n u g g n a tr e t a li , a y n s ir a w i l h a a k a m s il o p h e l o g n u g g n a ti d g n a y n a a k a l e c e k k a n a u a t a - a y n a m a n ( k u j n u ti d g n a y u a t a a y n k a n a n a k m u t n a c i d

  9 1 ( :t u k ir e b i a g a b e s h a l a d a , ) . 1 ( a i n u d l a g g n i n e m g n a y k u t n u n a n u t n a S h t a e d ) A ( )

  9

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  6

  1 , li g i g g n e m a k u l - i k a k , n a n i g n i d e k a k u l

  , i s i d n o k a k a m n a a k a l e c e k u t a u s h e l o n a k t a b i k a i d g n a y n a t a k g n it 4 m a l a d e k i g a b i d n a a k a l e c e k i s n a r u s a m a l a d n a n u t n a s t u r u n e m , a b r u P s k i d a R

  B r a s a d r e g n a y t a c a c u a t a n a i g u r e k n a n i k g n u m e k n a k a ti r e d i d

  J n K o K n a n u t n a S i s i d n a a k a l e c e

  . n a u j u t i d i a p m a s t a p e c .

  : u ti a y , a jr e k n a a k a l e c e k n a g n a j n u t K i d a jr e t g n a y n a a k a l e c e n a d a jr e k t a p m e t e k h a m u r i r a d n a n a l a jr e p m a l a d a m a l e s h a m u r e k a jr e k t a p m e t ir a d g n a l u p n a n a l a jr e p m a l a d a m a l e s r a j a w n a d a s a i b g n a y r u l a j i u l a l e m h i b e l r a g a h u p m e ti d

  3 , p a g g n a i d g n a y a jr e k m a j r a u l i d i d a jr e t g n a y n a a k a l e c e K h r e b a g g n i h e s a jr e k n a a k a l e c e k i a g a b e s h e l o r e p m e m k a

  / a i m r e t o p i h n o i s r e m m i . m u m u .

  2

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  1

  7 C a c a t d i b a g i a n t e tr e n t u j a s m a n i y a n g d i a k i b a t k a n o l e h s u a t u k e c e l a k a a n y a n g d ti a n g g u n g o l e h p o il s . C a c a t ti u b e r s fi a t p e r m a n e n t( e t a p ) , a r it n y a : a . B a g i a n j a s m a n i y a n g c a c a t it d a k d a p a t b e fr u n g s i l a g i s e p e r it s e m u l a , s e b e l u m d i it m p a k e c e l a k a a n . b . B a g i a n j a s m a n i y a n g c a c a t b e r k u r a n g k e m a m p u a n n y a d a r i k e m a m p u a n s e m u l a , s e b e l u m k e c e l a k a a n , d a n b e r k u r a n g n y a k e m a m p u a n ti u b e r s fi a t p e r m a n e n . B e s a r n y a s a n t u n a n u n t u k c a c a t t e t a p d ti e n t u k a n b e r d a s a r k a n s u a t u p e r s e n t a s e d a r i u a n g p e tr a n g g u n g a n , y a n g d ti e n t u k a n p e r s e n t a s e d a n u a n g p e tr a n g g u n g a n y a k e it k a m e n u t u p a s u r a n s i t e m p o h a ir .

  3 . S a n t u n a n u n t u k c a c a t s e m e n t a r a ( t e m p o r a r y d i s a b li ti y ) ( C ) C a c a t d i b a g i a n t e tr e n t u j a s m a n i y a n g d i a k i b a t k a n o l e h s u a t u k e c e l a k a a n y a n g d ti a n g g u n g o l e h p o il s . C a c a t b a g i a n j a s m a n i y a n g t e r k e n a k e c a l a k a a n ti u m e n y e b a b k a n k e it d a k m a m p u a n u n t u k m e n j a l a n k a n p e k - e jr a a n s e h a ir h a ir .

  C a c a t s e m e n t a r a b i s a s e m b u h k e m b a l i d a n b a g i a n y a n g j a s m a n i y a n g c a c a t d a p a t b e r f u n g s i k e m b a l i s e p e tr i s e m u l a s e b e l u m d i it p a k e c e l a k a a n . B e s a r n y a s a n t u n a n d ti e n t u k a n s e k i a n p e r s e n ( b i a s a n y a 1 % ) d a r i u a n g p e tr a n g g u n g a n k e m a it a n , y a n g d i b e ir k a n o l e h p e n a n g g u n g s e it a p m i n g g u s e l a m

  5 2 m i n g g u .

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  8 4 . S a n t u n a n u n t u k c a c a t s e m e n t a r a ( m e d i c a l e x p e n s e s ) ( D )

  S a n t u n a n b i a y a p e n g o b a t a n u n t u k s e it a p k a l i k e c e l a k a a n y a n g d ti a n g g u n g o l e h p o il s p a d a u m u m n y a m a k s i m a l 1 % d a r i u a n g p e tr a n g g u n g a n c a c a t t e t a p ) ( . B

  . J a m i n a n S a n t u n a n K

  1 . M a c a m J a m i n a n d a n p r e m i M a c a m j a m i n a n k e c e l a k a a n ( a c c i d e n t a l i n d e m n ti y = A . .I ) d i b a g i k e d a l a m

  4 m a c a m j a m i n a n , y a n g d i s e b u t l e n g k a p - ,

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  • l e n g k a p 2 , l e n - g k a p

  3 , d a n l e n g k a p -4 m e n u r u t R a d i k s P u r b a , (

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  3

  2 5 ,) . a . L e n g k a p - 1 m e r u p a k a n j a m i n a n a t a s r e s i k o k e c e l a k a a n , t e t a p i it d a k t e r m a s u k ir s i k o m o l e s t d a n ir s i k o m e n g g e n d a r a i s e p e d a m o t o r . P r e m i s e b e s a r 2 ,

  2 5 u n t u k s e it a p 1 . j u m l a h u a n g p e tr a n g g u n g a n . b . L - e n g k a p 2 m e r u p a k a n j a m i n a n a t a s r e s i k o k e c e l a k a a n , t e r m a s u k ir s i k o m o l e s t , e t t a p i it d a k t e r m a s u k ir s i k o m e n g e n d a r a i s e p e d a m o t o r . P r e m i s e b e s a r 4 ,

  2 5 u n t u k s e it a p 1 . j u m l a h u a n g p e tr a n g g u n g a n . c . L e n g k a p -3 m e r u p a k a n j a m i n a n a t a s r e s i k o k e c e l a k a a n , t e r m a s u k ir s i k o m e n g e n d a r a i s e p e d a m o t o ,r t e t a p i it d a k t e r m a s u k ir s i k o m o l e s t . p r e m i s e b e s a r 4 ,

  2 5 u n t u k s e it a p 1 . j u m l a h u a n g p e tr a n g g u n g a n .

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  • d . L e n g k a p 4 m e r u p a k a n j a m i n a n a t a s r e s i k o k e c e l a k a a n , t e r m a s u k ir s i k o m o l e s t d a n ir s i k o m e n g g e n d a r a i s e p e d a m o t o ,r p r e m i s e b e s a r

  6 ,

  2 5 u n t u k s e it a p 1 . j u m l a h u a n g p e tr a n g g u n g a n .

  2 . M e n i n g g a l d u n i a B li a t e tr a n g g u n g d a l a m m a s a a s u r a n s i o l e h s u a t u k e c e l a k a a n y a n g m e n i m p a d i ir n y a m e n g a l a m :i a . M e n i n g g a l d u n i a s e k e it k a p a d a s a a t ti u ; a t a u b . M e n i n g g a l d u n i a d a l a m m a s a

  9 x

  2 4 j a m s e t e l a h j a m t e jr a d i n y a k e c e l a k a a n d i m a k s u d ; M a k a a h l i w a ir s n y a a t a u a n a k -a n a k n y a a t a u y a n g d ti u n j u k ( y a n g d i s e b u t k a n n a m a n y a p a d a m a s a p o il s ) m e m p e r o l e h s a n t u n a n

  1 % d a r i u a n g p e tr a n g g u n g a n .

  3 . C a c a t t e t a p B li a t e tr a n g g u n g d a l a m m a s a a s u r a n s i o l e h s u a t u k e c e l a k a a n y a n g m e n i m p a d i ir n y a m e n g a l a m :i a . C a c a t t e t a p s e k e it k a p a d a s a a t ti u ; u a t a b . M e n j a d i c a c a t t e t a p d a l a m m a s a

  9 x

  2 4 j a m s e t e l a h j a m t e jr a d i n y a k e c e l a k a a n .

  Y a n g d i m a k s u d d e n g a n c a c a t t e t a p a d a l a h b li a b a g i a n b a d a n y a n g c a c a t it d a k d a p a t b e r f u n g s i l a g i s e p e tr i s e m u l a a t a u b e r k u r a n g k e m a m p u a n y a d a r i k e m a m p u a n s e m u l a s e b e l u m d i it m p a k e c e l a k a a n . C a c a t t e t a p ( p e r m a n e n t d i s a b li ti y ) d i p i s a h

  2 ( l a t o t p a t e t t a c a c m a l a d e k t n e n a m r e p l a t o t y ti li b a si d ) t a c a c n a d ( n a i g a b e s p a t e t t n e n a m r e p l a it r a p y ti li b a s i d ).

  7 . b

  6

  . n a g n u g g n a tr e p g n a u i r a d %

  . d , r a s e b e s i s g n u f n a g n a li h e k u h a b i r a d i a l u m i ri k n a g n a T

  , i s g n u f n a g n a li h e k n a g n a l e g r e p i r a d i a l u m n a n a k n a g n a T . n a g n u g g n a tr e p g n a u i r a d % 6 r a s e b e s

  6 . c

  5

  , r a s e b e s i s g n u f n a g n a li h e k u k i s i r a d i a l u m n a n a k n a g n a T . n a g n u g g n a tr e p g n a u i r a d %

  . n a g n u g g n a tr e p g n a u i r a d %

  . 4 a y n h u r u l e s p a t e t t a c a C

  . a , r a s e b e s i s g n u f n a g n a li h e k u h a b i r a d i a l u m n a n a k n a g n a T

  .i s g n u f n a g n a li h e k . 5 n a i g a b e s p a t e t t a c a C

  .f .i s g n u f n a g n a li h e k a t a m u t a s n a d i k a k u t a S . g u a t a a u D a m a s r e b n a d a b a t o g g n a a u d i r a d h i b e l - a m a s

  . e .i s g n u f n a g n a li h e k a t a m u t a s n a d n a g n a t u t a S

  . d .i s g n u f n a g n a li h e k i k a k u t a s n a d n a g n a t u t a S

  . b .i s g n u f n a g n a li h e k i k a k a u d e K . c .i s g n u f n a g n a li h e k a t a m a u d e K

  : a li b a p a n a g n u g g n a tr e p . a .i s g n u f n a g n a li h e k n a g n a t a u d e K

  % g n a u i r a d A 1 r a s e b e s n a n u t n a s g n a u n a k r a y a b i d n a k

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  1 e . T a n g a n k ri i m u l a i d a r i s i k u k e h li a n g a n f u n g s i , s e b e s a r

  5 2 % d a r i u a n g p e tr a n g g u n g a n .

  .f T a n g a n k ri i m u l a i d a r i p e r g e l a n g a n k e h li a n g a n f u n g s i , s e b e s a r 5 % d a r i u a n g p e tr a n g g u n g a n . g . S a t u k a k i k e h li a n g a n f u n g s i , s e b e s a r 5 % d a r i u a n g p e tr a n g g u n g a n . h . S a t u m a t a k e h li a n g a n f u n g s i , s e b e s a r 5 % d a r i u a n g p e tr a n g g u n g a n .

  .i J a r i j e m p o l t a n g a n k a n a n k e h i l a n g a n f u n g s i , s e b e s a r

  2 5 % d a r i u a n g p e tr a n g g u n g a n .

  .j J a ir j e m p o l t a n g a n k ri i k e h li a n g a n f u n g s i , s e b e s a r 2 % d a r i u a n g p e tr a n g g u n g a n . k . J a ir t e l u n j u k t a n g a n k a n a n k e h li a n g a n f u n g s i , s e b e s a r

  1 5 % d a r i u a n g p e tr a n g g u n g a n .

  .l J a r i t e l u n j u k t a n g a n k ri i k e h li a n g a n f u n g s i , s e b e s a r

  1 2 % d a r i u a n g p e tr a n g g u n g a n . m . J a r i k e il n g k i n g t a n g a n k a n a n k e h li a n g a n f u n g s i , s e b e s a r

  1 2 % d a r i u a n g p e tr a n g g u n g a n . n . J a r i k e il n g k i n g t a n g a n k ri i k e h li a n g a n f u n g s i , s e b e s a r 7 % d a r i u a n g p e tr a n g g u n g a n . o . J a ir t e n g a h a t a u j a r i m a n i s t a n g a n k a n a n k e h li a n g a n f u n g s i , s e b e s a r

  1 % d a r i u a n g p e tr a n g g u n g a n .

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  2

  2 . p

  , i s g n u f n a g n a li h e k i ri k n a g n a t s i n a m i r a j u a t a h a g n e t i r a J . n a g n u g g n a tr e p g n a u i r a d % 8 r a s e b e s

  . q % g n a u i r a d

  , 5 r a s e b e s i s g n u f n a g n a li h e k i k a k i r a j u t a S . n a g n u g g n a tr e p

  .r a s i r a d n a i g a b e s a li B i tr e p e s n a d a b a t o g g n a i r a d u t a s h a l

  , n a r a y a b m e p i s g n u f n a g n a li h e k i n i s a t a i d n a k t u b e s i d g n a y .l a n o i s r o p o r p a r a c e s i g n a r u k i d n a n u t n a s g n a u .

  L S a d a P k e t s o s m a J m a r g o r P k e K a s a J r o t i s k u r t n o .

  1 ) K K J ( a jr e k n a a k a l e c e k n a n i m a J , ) K K J ( a jr e k n a a k a l e c e k n a n i m a J i s a s n e p m o k n a k ir e b m e m a jr e k n a a k a l e c e k i m a l a g n e m g n a y a jr e k a g a n e t i g a b i s a ti li b a h e r n a d

  , e k i l a b m e k a g g n i h a jr e k t a p m e t i d , a jr e k t a k g n a r e b i a l u m t a a s a d a p . a jr e k n a g n u b u h t a b i k a t i k a y n e p a ti r e d n e m u a t a h a m u r .

  2 M K J ( n a it a m e k n a n i m a J ) ,) M K J ( n a it a m e k n a n i m a J s ir a w i l h a a d a p e k n a k r a y a b i d a n e r a k n a k u b a i n u d l a g g n i n e m g n a y a tr e s e p i r a d a jr e k a g a n e t

  . a jr e k n a a k a l e c e k . a n a n i m a j r a s e B

  ) K K J ( a jr e k n a a k a l e c e k n a n i m a J ) 1 )l a m i s k a m ( i s a tr o p s n a rt a y a i B

  . a t a r a d n a t u k g n A . P 4 . R : ,- . b t u a l n a t u k g n A .

  5 P 7 . R : ,- . c a r a d u n a t u k g n A . 5 . P 1 . R : ,-

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  2

  3 2 ) S e m e n t a r a it d a k m a m p u b e k e jr a a . 4 b u l a n p e tr a m a 1 % u p a h . b . 4 b u l a n k e d u a

  7 5 % u p a h . c S l . e aj u t n y a 5 % u p a h . 3 ) B i a y a p e n g o b a t a n a t a u p e r a w a t a n R p . -

  1 2 . . , ( m a k s i m u m ) a . S a n t u n a n c a c a t

  1 S ) e k a il g u s a ) B e r k a l a ( 2 t a h u n ) b ) B i a y a p e m a k a m a n b . B i a y a r e h a b li ti a s i : p r o t h a s e & o tr h a s e , p a t o k a n h a r g a d a r i R S . + D R . S u h a r s o S u r a k a tr a

  4 % P e n y a k i t a k i b a t k e jr a :

  3 1 j e n i s p e n y a k i t s e l a m a h u b u n g a n k e jr a d a n 3 t a h u n s e t e l a h p u t u s h u b u n g a n k e jr a . 3 . J a m i n a n k e c e l a k a a n k e jr a ( J K K ) S a n t u n a n k e m a it a n : R p . 1 . . ,- B i a y a p e m a k a m a n : R p . 2 . . ,-

  S a n t u n a n b e r k a l a : 2 . , / b u l a n

  • R p . S e l a m a 2 t a h u n : R p .

  4.8 . ,- T o t a l

  1 6 . 8 . , - : R p .

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  . D e if n i s i K i n e r j a M

  1 . D e if n i s i k i n e jr a m e n u r u t M e l a y u S . P . H a s i b u a n ,

  2 1 :

  3

  4 ( d a l a m H . M . Y a n i ,

  2

  1 2 :

  1

  1 7 ) , k i n e jr a a d a l a h s u a t u h a s i l k e jr a y a n g d i c a p a i s e s e o r a n g d a l a m m e l a k s a n a k a n t u - g a s t u g a s y a n g d i b e b a n k a n k e p a d a n y a y a n g d i d a s a r k a n a t a s k e c a k a p a n , p e n g a l a m a n d a n k e s u n g g u h a n s e tr a w a k t u .

  2 . D e if n i s i k i n e jr a m e n u r u t I r h a m F a h m i , (

  2 1 : ) 2 , a d a l a h h a s i l y a n g d i p e r o l e h o l e h s u a t u o r g a n i s a s i b a i k o r g a n i s a s i t e r s e b u t b e r s fi a t p r o if t o r i e n t e d d a n n o n p r o if t o r i e n t e d y a n g d i h a s li k a n s e l a m a s a t u p e ir o d e w a k t u .

  3 . D e if n i s i m e n u r u t A m s rt o n g d a n B a r o n ,

  1

  9

  9 8 :

  1 5 ( d a l a m I r h a m F a h m i ,

  2 1 : ) 2 , k i n e jr a a d a l a h g a m b a r a n m e n g e n a i it n g k a t p e n c a p a i a n p e l a k s a n a a n s u k a t u e g i a t a n a t a u p r o g r a m a t a u k e b ji a k s a n a a n d a l a m m e w u j u d k a n s a s a r a n , t u j u a n , m i s i d a n v i s i o r g a n i s a s i y a n g t e tr u a n g d a l a m p e r u m u s a n s k e m a s rt a t e g i s s u a t u o r g a n i s a s i .

  . a k t r- f a k t o r Y a M n g e m p e n g a r u h i K i n e r j a N F o

  M e n u r u t a S j f ir M a n g k u p r a w ri a d a n A i d a V ti a y a l a H u b e i ,s (

  2 7 :

  1

  5 5 ) , a d a l a h s e b a g a i b e ir k u :t 1 . F a k t o r p e r s o n a l i/ n d i v i d u a l , m e il p u t i u n s u r p e n g e t a h u a n , k e rt a m p li a n ( s k i ll ) , k e m a m p u a n , k e p e r c a y a a n d i ir , m o it v a s i , d a n k o m ti m e n y a n g d i m i il k i o l e h it a p i n d i v i d u k a r y a w a n .

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  2 .

  2 , m a e t n a d r e j a n a m s a ti l a u k i t u p il e m n a n i p m i m e p e k r o t k a F

  r e d a e l , n a g n o r o d n a k ir e b m e m m a l a d

  , n a d n a h a r a , t a g n a m e s . n a w a y r a k a d a p e k a jr e k n a g n u k u d .

  3 , g n a y t a g n a m e s n a d n a g n u k u d s a ti l a u k i t u p il e m m it r o t k a F e r h e l o n a k ir e b i d , p a d a h r e t n a a y a c r e p e k m it u t a s m a l a d n a k

  . m it a t o g g n a n a t a r e e k n a d , n a k a p m o k e k , m it a t o g g n a a m a s e s . a

  , u a t a a jr e k s a ti li s a f a jr e k m e t s i s i t u p il e m , m e t s i s r o t k a F , r u tl u k n a d i s a s i n a g r o h e l o n a k ir e b i d g n a y r u t k u rt s a r f n i

  .i s a s i n a g r o m a l a d a jr e n i k . b k e k e t n o k r o t k a F

  , n a d n a n a k e t i t u p il e m )l a n o i s a u ti s ( l a u t s n a g n u k g n il n a h a b u r e p l a n r e t s k e n a d .l a n r e t n i

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  . 1 n a u h a t e g n e P .

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  . 7 s e s o r P O i s a s i n a g r

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  . 4 i g e t a r t S n a h il i P .

  

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: a j r e n i K r o t k a F . 1 n a g n u k g n i L . 2 n a n i p m i m e p e K . 3 r u t k u r t S O i s a s i n a g r

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  . 1 m i T n a t a r e e K .

  2 n a li p m a r t e K . 3 i s a v it o M . 4 n a r e P : a j r e n i K r o t k a F

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  2 G r a b m a

  : u ti a y a r a c a g it i u l a l e m

  1 M a jr e n i k m a l a d n a g n a r u k e k a y n a d a i u h a t e g n e d n a k u k a li d t a p a

  :t u k ir e b .

  2 2 : 5 2 ( ) i a g a b e s h a l a d a ,

  M t u r u n e , a r a g e n u k g n a M u b a r P r a w n A

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  6

  S a j t u r u n e M ir f ,s i e b u H a l a y a ti V a d i A n a d a ri w a r p u k g n a M )

  K k o p m o l e n a d u d i v i d n I a jr e n i K h u r a g n e P T i s a s i n a g r O a jr e n i K p a d a h r e

  K a j r e n i u d i v i d n I : a j r e n i K r o t k a F

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  2

  7 a . M e n g i d e n it if k a s i k a n m a s a l a h m e l a l u i d a t a d a n i n f o r m a s i y a n g d i k u m - p u l k a n t e r u s m e n e r u s m e n g e n a i f u - n g s i f u n g s i b i s n i .s b . M e n g i d e n it if k a s i k a n m a s a l a h m e l a l u i k a r y a w a n . c . M e m p e r h a it k a n m a s a l a h y a n g a d a . 2 . M e n g e n a i k e k u r a n g a n d a n it n g k a t k e s e ir u s a n . a . M e n g i d e n it if k a s i k a n m a s a l a h s e t e p a t m u n g k i n . b . M e n e n t u k a n it n g k a t k e s e ir u s a n m a s a l a h . 3 . M e n g i d e n it if k a s i k - a n h a l h a l y a n g m u n g k i n m e n j a d i p e n y e b a b k e k u r a n g a n , b a i k y a n g b e r h u b u n g a n d e n g a n s i s t e m m a u p u n y a n g b e r h u b u n g a n d e n g a n p e w a g a i ti u s e n d ri .i 4 . M e n g e m b a n g k a n r e n c a n a it n d a k a n u n t u k m e n a n g g u l a n g i p e n y e b a b k e k u r a n g a n t e r s e b u .t 5 . M e l a k u k a n r e n c a n a it d a k a n t e r s e b u .t

  6 . M e l a k u k a n e v a l u a s i a p a k a h m a s a l a h t e r s e b u t s u d a h t e r a t a s i a t a u b e l u m 7 . M u l a i d a r i a w a l , a p a b li a p e lr u .

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  2

  8

  . P e n e il it a n S e b e l u m n y a T

  P e n e il it a n s e b e l u m n y a y a n g b e r k a ti a n d e n g a n k i n e jr a k a r y a w a n d li a k u k a n o l e h D i a n S a r it k a Y u d a , m a h a s i s w i U n i v e r s ti a s S a n a t a D h a r m a t a h u n

  2 9 d e n g a n j u d u l p e n g a r u h g a y a k e p e m i m p i n a n d a n k o m p e n s a s i t e r h a d a p k i n e jr a k a r y a w a n d e n g a n v a ir a b e l g a y a k e p e m i m p i n a n , k o m p e n s a s i t e r h a d a p k i n e jr a k a r y a w a n y a n g m e n u n j u k k a n b a h w a t e r d a p a t p e n g a r u h s e c a r a p a r s i a l d a n s i g n i if k a n p a d a p a d a k i n e jr a k a r y a w a n .

  . K e r a n g k a K o n s e p t u a l P e n e il it a n U

  U n t u k m e n j e l a s k a n p e n e il it a n i n i a k a n d ji e l a s k a n h u b u n g a n a n t a r a v a ir a b e l d e p e n d e n d a n v a ir a b el i n d e p e n d e n m a k a p e lr u d ji e l a s k a n d a l a m k e r a n g k a k o n s e p t u a l p e n e il it a n s e b a g a i l a n d a s a n :

  U p a h ( X )

1 K i n e jr a K a r y a w a n

  ( Y ) A s u r a n s i K e c e l a k a a n K e jr a

  (

  X

  2 )

  = S e c a r a P a r s i a l = S e c a r a S i m u tl a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2

  9

  . R u m u s a n H i p o t e s i s

  V

  1 . A d a p e n g a r u h u p a h t e r h a d a p k i n e jr a k a r y a w a n p a d a C V .

  S A S M

  I T O ? 2 . A d a p e n g a r u h a s u r a n s i k e c e l a k a a n k e jr a t e r h a d a p k i n e jr a k a r y a w a n p a d a C V . S A S M

  I T O ? 3 . A d a p e n g a r u h u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a s i m u tl a n t e r h a d a p k i n e jr a k a r y a w a n p a d a C V . S A S M

  I T O ?

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  B A B

  I I

  I M E T O D E P E N E L

  I T

  I A N . J e n i s P e n e il it a n A

  J e n i s p e n e il it a n y a n g d i g u n a k a n d a l a m p e n e il it a n i n i a d a l a h s t u d i k a s u s . M e n u r u t C o n s u e l o ,

  1

  9

  8 8 ( d a l a m H u s e i n U m a r ,

  2 8 :

  2 3 ) s t u d i k a s u s m e r u p a k a n p e n e il it a n y a n g ir n c i m e n g e n a i s u a t u o b j e k t e tr e n t u s e l a m a k u r u n w a k t u t e tr e n t u d e n g a n c u k u p m e n d a l a m d a n m e n y e l u r u h t e r m a s u k il n g k u n g a n d a n k o n d i s i m a s a l a l u n y a ..

  . S u b j e k d a n O b j e k P e n e il it a n B

  Y a n g m e n j a d i s u b j e k p e n e il it a n a d a l a h s e l u r u h k a r y a w a n b a g i a n p e l a k s a n a p a d a p e r u s a h a a n C V . S A S M

  I T O . Y a n g m e n j a d i o b j e k p e n e il it a n a d a l a h v a ir a b e l u p a h d a n v a ir a b e l a s u r a n s i k e c e l a k a a n k e jr a y a n g b e r k a ti a n d e n g a n k i n e jr a k a r y a w a n .

  . W a k t u d a n L o k a s i P e n e il it a n C

  1 . P e n e il it a n d li a k u k a n p a d a b u l a n S e p t e m b e r

  2

  1 2 s a m p a i O k t o b e r

  2

  1

  2 2 . T e m p a t p e n e il it a n d li a k u k a n d i C V . S A S M I T O C a n g k ir n g N o .

  8

  3

  1 R T

  1 7 / R W 5 M u l u r , B e n d o s a ir , S u k o h a jr o .

  . V a r i a b e l P e n e il it a n D

  V a ir a b e l p e n e il it a n a d a l a h v a ir a b e l y a n g m e n j a d i o b j e k y a n g a k a n d ti e l ti i v a ir a b e l t e r s e b u t a d a l a h s e b a g a i b e i k u :t 1 . V a ir a b e l t e ir k a t a d a l a h m e r u p a k a n v a ir a b e l y a n g d i p e n g a r u h i a t a u y a n g m e n j a d i a k i b a t , k e r e n a a d a n y a v a ir a b e l b e b a s y a n g

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  1 d i k e m u k a n o l e h S u g i y o n o , (

  2 9 :

  5 9 ) d a l a m p e n e il it a n i n i y a n g m e n j a d i v a ir a b e l b e b a s a d a l a h s e b a g a i b e ir k u :t a . V a ir a b e l U p a h

  A d a l a h b a l a s j a s a s e c a r a if n a n s i a l y a n g d i b e ir k a n k e p a d a k a r y a w a n b a g i a n p e l a k s a n a C V . S A S M

  I T O . Y a n g m e n j a d i i n d i k a t o r d a r i u p a h a d a l a h 1 ) K e t e p a t a n w a k t u p e m b e ir a n u p a h 2 ) K a s e s u a i a n u p a h 3 ) P e m b e ir a n u p a h t a m b a h a n 4 ) S i s t e m p e n g u p a h a n b . V a ir a b e l A s u r a n s i K e c e l a k a a n

  A d a l a h j a m i n a n y a n g d i b e ir k a n k e p a d a p a r a k a r y a w a n b a g i a n p e l a k s a n a C V . S A S M

  I T O b li a t e jr a d i k e c e l a k a a n k e jr a a k a n m e n d a p a t k a n m a n f a a t s e c a r a if n a n s i a .l Y a n g m e n j a d i i n d i k a t o r d a r i u p a h a d a l a h 1 ) A d a n y a s i k a p y a n g m e n c e r m i n k a n k e b u t u h a n a s u r a n s i k e c e l a k a a n k e jr a 2 ) A d a n y a j a m i n a n b a g i k a r y a w a n

  2 . V a ir a b e l b e b a s a d a l a h m e r u p a k a n v a ir a b e l y a n g m e m p e n g a r u h i a t a u y a n g m e n j a d i s e b a b p e r u b a h a n n y a a t a u it m b u l n y a v a ir a b e l d e p e n d e n t( e ir k a )t y a n g d i k e m u k a n o l e h S u g i y o n o , (

  2 9 :

  5 9 ) d a l a m p e n e il it a n i n i y a n g m e n j a d i v a ir a b e l b e b a s a d a l a h k i n e jr a k a r y a w a n . Y a n g m e n j a d i i n d i k a t o r k i n e jr a k a r y a w a n a d a l a h a . S i k a p k e jr a b . K e jr a s a m a c . K u a l ti a s k e jr a d . K e s e s u a i a n H a s i l k e jr a P e n g u k u r a n d a l a m p e n e il it a n i n i m e n g g u n a k a n s k a l a il k e r t d e n g a n s k o r j a w a b a n d a ir r e s p o n d e n a d a l a h s e b a g a i b e ir k u t : S a n g a t S e t u j u

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  2 ( 5 ) , S e t u j u ( 4 ) , R a g u -R a g u ( 3 ) , T i d a k S e t u j u ( 2 ) , S a n g a t T i d a k S e t u j u ( 1 ) .

  . P o p u l a s i d a n S a m p e l E

  1 . P o p u l a s i P o p u l a s i a d a l a h w li a y a h g e n e r a il s a s i y a n g t e r d ri i a t a s : o b y e k a t a u s u b j e k y a n g m e m p u n y a i k u a l ti a s d a n k e r a k t e ir s it k t e tr e n t u y a n g d ti e t a p k a n o l e h p e n e l ti i u n t u k d i p e l a j a r i d a n k e m u d i a n d ti a ir k k e s i m p u l a n n y a ( S u g i o n o

  2 9 :

  1

  1 5 ) . 2 . S a m p e l

  S a m p e l a d a l a h b a g i a n d a ir j u m l a h d a n k a r a k t e ir s it k y a n g d i m i il k i o l e h p o p u l a s i t e r s e b u t ( S u g i o n o 2 9 :

  1

  1 6 ) .

  . T e k n i k S a m p il n g F

  T e k n i k s a m p il n g a d a l a h m e r u p a k a n t e k n i k p e n g a m b li a n s a m p e l ( S u g i o n o

  2 9 :

  1

  1 6 .) D a l a m p e n e il it a n i n i m e t o d e y a n g d i p a k a i a d a l a h p u r p o s i v e s a m p il n g a d a l a h t e k n i k p e n e n t u a n s a m p e l d e n g a n p e r it m b a n g a n t e tr e n t u ( S u g i o n o

  2 9 :

  1

  2 2 .) S a m p e l d a r i p e n e il it a n i n i a d a l a h k a r y a w a n y a n g m e n d a p a t k a n a s u r a n s i k e c e l a k a a n k e jr a p a d a b a g i a n P e l a k s a n a C V . S A S M I T O .

  . S u m b e r D a t a G

  1 . D a t a P ir m e r D a t a y a n g d i p e r o l e h d e n g a n m e m b a g i k a n k u i s i o n e r k e p a d a p a r a r e s p o n d e n t e n t a n g u p a h , a s u r a n s i k e c e l a k a a n k e jr a d a n k i n e jr a k a r y a w a n .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  3 2 . D a t a S e k u n d e r

  D a t a y a n g d i p e r o l e h d a r i w a w a n c a r a d e n g a n p i m p i n a n p e r u s a h a a n C V . S A S M

  I T O u n t u k m e m p e r o l e h d a t a t e n t a n g g a m b a r a n u m u m p e r u s a h a a n .

  . T e k n i k P e n g u m p u l a n D a t a H

  1 . K u e s i o n e r K u e s i o n e r m e r u p a k a n t e k n i k p e n g u m p u l a n d a t a y a n g d li a k u k a n d e n g a n c a r a m e m be r i s e p e r a n g k a t p e tr a n y a a n a t a u p e r n y a t a a n t e tr u il s k e p a d a r e s p o n d e n u n t u k d ji a w a b n y a ( S u g i o n o

  2 9 :

  1

  1 6 .) 2 . W a w a n c a r a W a w a n c a r a d li a k u k a n s e c a r a l a n g s u n g d e n g a n p i m p i n a n p e r u s a h a a n , b e r k a ti a n d e n g a n g a m b a r a n u m u m p e r u s a h a a n .

  3 . D o k u m e n t a s i M e n g u m p u l k a n d a t a y a n g b e r h u b u n g a n d e n g a n g a j i s e tr a d a t a l a i n y g a n b e r k a ti a n d e n g a n o b j e k p e n e il it a n d a r i p e r u s a h a a n C V . S A S M I T O .

  T e k n i k P e n g u ij a n I n s t r u m e n .I

  D a l a m s e it a p p e n e il it a n p e lr u a d a n y a s u a t u a l a t , u k u r a l a t u k u r d a l a m p e n e il it a n i n i a d a l a h u v j i a il d ti a s a d a l a h s u a t u u k u r a n y a n g m e n u n j u k a n it n g k a t k e v a il d a n a t a u k e s a h a n s u a t u i n s rt u m e n .t S u a t u i n s rt u m e n y a n g v a il d m e m p u n y a i v a il d ti a s it n g g i d a n s e b a il k n y a b li a it n g k a t v a il d ti a s n y a r e n d a h m a k a i n s rt u m e n t t e r s e b u t k u r a n g v a il d d i k e m u k a k a n o l e h ( R i d u w a n , A d u n R u s y a n a d a n E n a s

  2

  1 1 :

  1

  9 4 )

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  4 s e tr a p e l u a d a n y a u j i r e il a b e l a r it n y a d a p a t d i p e r c a y a j u g a d a p a t d i a n d a l k a n d i k e m u k a k a n o l e h ( R i d u w a n , A d u n R u s y a n a d a n E n a s

  2

  1 1 :

  1

  9 4 ) . 1 . U j i V a il d ti a s

  V a il d ti a s a d a l a h s u a t u u k u r a n y a n g m e n u n j u k a n it n g k a t k e v a il d a n a t a u k e s a h a n s u a t u i n s rt u m e n t . S u a t u i n s rt u m e n y a n g v a il d m e m p u n y a i v a il d ti a s it n g g i d a n s e b a il k n y a b li a it n g k a t v a il d ti a s n y a r e n d a h m a k a i n s rt u m e n t t e r s e b u t k u r a n g v a il d d i k e m u k a k a n o l e h ( R i d u w a n , A d u n R u s y a n a d a n E n a s

  2

  1 1 :

  1

  9 4 ) . U n t u k m e n g u j i v a il d ti a s m e n g g u n a k a n r u m u s k o r e l a s i p e a r s o n p r o d u c t m o m e n t ,

  2 1 : 6 ( d a l a m A s e p S u r y a n a N a t a w i ir a d a n R i d u w a n ) y a ti u s e b a g a i b e ir k u t y a ti u :

  n ∑ Y X − (∑X)(∑Y) =

  2

  2

  2

  2 �{ n . ∑X − (∑X) } . {n . ∑ Y − (∑Y) }

  K e t e r a n g a n : r x y = K o e if s i e n k o r e l a s i X = N li a i d a r i it a p p e r n y a t a a n v a ir a b e l b e b a s Y = N li a i t o t a l p e r n y a t a a n v a ir a b e l t e ir k a t n = J u m l a h s a m p e l D e n g a n t a ir f s i g n i if k a n ( α ) = 5 % , a p a b li a r h ti u n g l e b i h b e s a r d a r i r t a b e l m a k a k u i s i o n e r s e b a g a i a l a t u k u r d a p a t d i k a t a k a n v a il d .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  5 2 . U j i R e il a b li ti a s

  R e il a b ll ti a s ( k e a n d a l a n ) m e r u p a k a n u k u r a n s u a t u k e s t a b li a n d a n k o n s i s t e n s i r e s p o n d e n d a l a m m e n j a w a b h a l y a n g b e r k a ti a n d e n g a n k o n - rt u k k o n rt u k p e tr a n y a a n y a n g m e r u p a k a n d i m e n s i s u a t u v a ir a b el d a n d i s u s u n d a l a m s u a t u b e n t u k k u i s i o n e r ( W ri a t n a S u j a r w e n )i . R e il a b e l a r it n y a d a p a t d i p e r c a y a j u g a d a p a t d i a n d a l k a n d i k e m u k a k a n o l e h ( R i d u w a n , A d u n R u s y a n a d a n E n a s

  2

  1 1 :

  1

  9 4 ) . U n t u k m e n g u j i r e a b li ti a s n y a d i g u n a k a n r u m u s ( S u h a r s i m i A ir k u n t o ,

  1

  9

  9 3 :

  2

  3 6 ( d a l a m M a m a n A b d u r r a h m a n d a n S a m b a s A l i M u h i d i n ,) s e b a g a i b e ir k u :t

  2

r

  1

  1 =1 + � � . �1 − 2 �

  −1

  D i m a n a :

  (∑ x)2

  

2

∑ x −

2 N

  R u m u s v a ir a n s = s

  = N

  1 1 = K o e if s i e n k o r e l a s i r

  k = B a n y a k n y a b u l ri s o a l

  2

  = J u m l a h v a ir a s b u l ri ∑

  2

  = V a ir a n s t o t a l N = J u m l a h r e s p o n d e n D e n g a n α = 5 % N li a i r h ti u n g r > t a b e l i n s rt u m e n t d i n y a t a k a n r e il a b e l .

  N li a i r h ti u n g r < t a b e l i n s rt u m e n t d i n y a t a k a n it d a k r e il a b l e .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  ) r a s e b h i b e l a y n s u r e t e s n a d 9 , n a d : 5 , n i a l t a p a d n e p ( 6 , i r a d

  I V

  α / F 1 =

  I V ( r o t c a f n o it a lf n i e c n a i r a v :

  . b i a li n a y n r a s e B ) F

  I V / α 1 =

  F

  N i a li e c n c a r e l o t n a d r o t c a f n o it a lf n i e c n a i r a v n a g n e d i r a c i d t a p a d s t u b e s r e t i a li n a u d e k n a k g n u b a g g n e m e a b :t u k ir e b i a g . a i a li n a y n r a s e B e c n a r e l o t :) α (

  I V ( .t a r d a u k u k a b n a n a p m i y n e p

  ) i s a lf n i r o t k a f h a l a d a F

  .) α ( k it s i s a t s a r a c e s . b i a li N r o t c a f n o it a lf n i e c n a i r a v

  . a i a li N e c n a r e l o t n r a s e b h a l a d a n a k r a n e b i d g n a y n a h a l a s e k t a k g n it a y

  A t a p a d s a ti r e i n il o k it l u m a y n k a d it u a t a a d a n a k u t n e n e m m a l a d u a t : n a g n e d u t a y n i a l a r a c n a k a n u g i d

  ( r 6 , n a g n e d .) ≤ 6 ,

  . ) i d a jr e t k a d it n a k a t a k i D s a ti r e i n il o k it l u m a m a s u a t a l i c e k h i b e l s a b e b l e b a ir a v r a t n a n e i s if e o k a k ij

  6

  3

  2 X ,

  . J K k i s a l i s m u s A i j U .

  1 k i s a l K i s m u s A i j U 8 :

  7 S 2 , o t o y n u ( s a ti r e i n il o k it l u M 9- 0 9 ) U r e i n il i s e r g e r s i s il n a k u t n u n a k p a r e ti d i n i i s m u s a i j a d n a g r e b g n a y

  ( s a b e b l e b a ir a v h i b e l u a t a a u d i r a d i ri d r e t n e d n e p e d n i ) l e b a ir a v

  X (

  1 X ,

  3 X ,

  3 X ,

  4 X ,. … , n

  ) n a t a r e e k ( i s a i s o s a t a k g n it r u k u i d n a k a a n a m i d , ) g n u b u h a v r a t n a h u r a g n e p u a t a n a r n a r a s e b i u l a l e m t u b e s r e t s a b e b l e b a i ( i s a l e r o k n e i s if e o k

  r

  D n a k a t a k i . ) i d a jr e t n e i s if e o k a k ij , s a ti r e i n il o k it l u m X ( s a b e b l e b a ir a v r a t n a i s a l e r o k

  1 X ,

  2 X ,

  4

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

  7 V a ir a b e l b e b a s m e n g a l a m i m u l it k o il n i e r ti a s ij k a : α h ti u n g < α d a n

  V I F h ti u n g >

  V I F . V a ir a b e l b e b a s m e n g a l a m i m u l it k o il n i e r ti a s ij k a : α h ti u n g > α d a n

  V I F h ti u n g <

  V I F . 2 . U j i A s u m s i K l a s i k H e t e r o s k e d a s it s ti a s ( S u n y o t o ,

  2 7 :

  9 3 - )

  9

  4 D a l a m p e r s a m a a n r e g r e s i il n i e r b e r g a n d a p e lr u j u g a d i u j i m e n g e n a i s a m a a t a u it d a k v a ir a n s d a ir r e s i d u a l o b s e r v a s i y a n g s a t u d e n g a n o b s e r v a s i y a n g l a i n . J i k a r e s i d u a l n y a m e m p u n y a i v a ir a n s s a m a d i s e b u t t e jr a d i H o m o s k e d a s it s ti a s d a n ij k a v a r i a n s it d a k s a m a a t a u b e r b e d a d i s e b u t t e jr a d i H e t e r o s k e d a s it s ti a s . P e r s a m a a n r e g r e s i y a n g b a i k ij k a t e jr a d i H e t e r o s k e d a s t si ti a s , m i s a l k a n : a . N li a i s t a it s it k d a r i 5 m a h a s i s w a k e l a s A y a ti u 7 ,

  6 9 ,

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  7 c e n d e r u n g l e b i h s e r a g a m a t a u it d a k b e r v a ir a s i k a r e n a s e il s i h n y a k e c li , k e j a d i a n i n i d i s e b u t h o m o s k e d a s it s ti a s . b . N li a i s t a it s it k d a r i 5 m a h a s i s w a k e l a s B y a ti u 3 , 9 , 6 , 8 ,

  4 c e n d e r u n g it d a k s e r a g a m a t a u s a n g a t b e r v a ir a s i k a r e n a

  h e t e r o s k e d a s it s ti a s s e il s i h n y a b e s a r , k e j a d i a n i n i d i s e b u t .

  A n a il s i s u j i a s u m s i h e t e r o s k e d a s it s ti a s h a s i l o u t p u t S P S S m e l a l u i a g r if k s c a tt e r p l o t a n t a r a Z p r e d i c it o n ( Z P R E D ) y a n g m e m p u n y a i v a ir a b e l b e b a s ( s u m b u X = Y h a s i l p r e d i k s i ) d a n n li a i r e s i d u a l n y a ( S R E S

  I D ) m e r u p a k a n v a ir a b e l t e ir k a t ( s u m b u Y = p r e d - i k s i Y ir li .)

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  7 S 2 , o t o y n u ( s a ti l a m r o N i s m u s A i j U - 2 1 ) S k i s a l k i s m u s a i j u n i a l e s a ti r e i n il o k it l u m i s m u s a i j u n a d k i s a l k s a ti s it s a d e k s o r e t e h

  s s e n w e k s )

  = 3 α ( a v r u k s i s o t r u k = ) 4 α n a k g n i d n a b r e p i d Z n a g n e d l e b a t . ) 1 ( a v r u k n a g n ir i m e k k u t n u Z i a li n s u m u R

  . a k it s it a t S a r a C D t a k ir e t l e b a ir a v n a d s a b e b l e b e ir a v a t a d i j u g n e m m a l a i s u b ir t s i d r e b i n i k it s it a t s a r a c a d a p k a d it u a t a l a m r o n i u l a l e m e v r u k n a g n ir i m e k i a li n s s e n w e k s ( n a g n i c n u r e k i a li n u a t a )

  U n a g n e d n a k u k a li d t a p a d l a m r o n i s m u s a i j . l : u ti a y a r a c a u d n a k a n u g g n e m

  B i s u b ir t s i d r e .l a m r o n k a d it u a t a l a m r o n P a k i d i s e r g e r n a a m a s r e a t a d i a y n u p m e m a k ij k i a b n a k a t l e b a ir a v s a b e b i t a k e d n e m i s u b ir t s i d r e b t a k ir e t l e b a ir a v n a d a m r o n

  X ( s a b e b l e b a ir a v a t a d i j u g n e m l e b a ir a v . n a k li s a h i d g n a y i s e r g e r n a a m a s r e p a d a p ) Y ( t a k ir e t

  , h a l a i a y n n i a l k i s a l k i s m u s a i j u s a ti l a m r o n n a k a a n a m i d , ) n a d

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  a y n k it it i a y n u p m e m e t g n a y a l o p i a b r u t a r r a b e l e m , ti p m e y n e m k n u p u a m g n a b m o l e g r e b - g n a b m o l e g .

  H s a ti s it s a d e k s o r e t e a d a p a k ij i d a jr e t c s a t o l p r e tt k it it -

  I S E R S n a d D E R P Z a r a t n a a t a d Y n a d u b m u s a d a p ) a k g n a ( n i g ir o k it it s a t a i d n u p u a m h a w a b i d u t a r e t a l o p i a y n u p m e m k a d it r.

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  4 b = A n g k a a r a h a t a u k o e if s i e n r e g r e s i , y a n g m e n u n j u k k a n a n g k a p e n i n g k a t a n a t a u p u n p e n u r u n a n v a ir a b e l d e p e n d e n y a n g d i d a s a r k a n p a d a v a ir a b e l i n d e p e n d e n .

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  m e n g g u n a k a n s k a l a il k e r t u n t u k m e m b e ir k a n b o b o t p a d a s e it a p j a w a b a n , s k a l a t e r s e b u t a d a l a h s e b a g a i b e ir k u :t ( S S ) S ga tS a n e t u j u m e m p u n y a i b o b o t

  5 ( S ) S e t u j u m e m p u n y a i b o b o t

  4 ( R R ) R u a -R g a g u m e m p u n y a i b o b o t

  3 ( T S ) T i d a k S e t u j u m e m p u n y a i b o b o t

  2 ( S T S ) S n a ga tT i d a k S e t u j u m e m p u n y a i b o b o t

  1 U n t u k m e m p e r m u d a h d a l a m m e n c a r i k o e if s i e n r e g r e s i n y a m a k a d a p a t d i b a n t u d e n g a n s o tf w a r e S P S S .

  2 . P e n g u ij a n d e n g a n u ij F U n t u k m e il h a t p e n g a r u h a n t a r a v a ir a b e l b e b a s d a n v a ir a b e l t e ir k a t , m a k a d a p a t d li a k u k a n d e n g a n m e n g g u n a k a n u j i F . U ij F b e r f u n g s i u n t u k m e il h a t p e n g a r u h a n t a r a v a ir a b e l u p a h d a n

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2

/ k

(1−R

  M a k a a jr e k n a a k a l e c e k i s n a r u s a n a d h a p u l e b a ir a v

  2 F i a li n a k i J g n u ti h F > l e b a t a y n it r a H k a l o ti d H , a m ir e ti d .

  1 F i a li n a k i J g n u ti h < F l e b a t a y n it r a H a m ir e ti d H , a k a l o ti d k a l o ti d . a k a M n a a k a l e c e k i s n a r u s a n a d h a p u l e b a ir a v . n a w a y r a k a jr e n i k p a d a h r e t h u r a g n e p r e b k a d it a jr e k .

  ; n ( ) f d ( s a b e b t a j a r e d n a d % 5 n a k if i n g i s k- ) 1 . . d F i j u i r a d n a l u p m i s e k n a k u t n e n e M .

  D a n a m i , R = K i s a l e r o k n e i s if e o a d n a g . k = J n e d n e p e d n i l e b a ir a v h a l m u . n h a l m u J = a t o g g n a l e p m a s . . c F g n u ti h n a ri p m a l a d a p i r a c i d t a p a d b a t el f a r a t n a g n e d . F

  2 )/(n−k−1)

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  4 l e c e k i s n a r u s a a a m a s r e b a r a c e s a jr e k n a a k - p a d a h r e t a m a s

  5 2 : 9 2 (

  7

  S o n o i g u t u r u n e m s u m u r n a k a n u g g n e m g n u ti h i d t a p a d F i j :t u k ir e b i a g a b e s h a l a d a )

  . n a w a y r a k a jr e n i k p a d a h r e t h u r a g n e p r e b . b U

  H H , a m ir e ti d a a jr e k n a a k a l e c e k i s n a r u s a n a d h a p u : k a l o ti d w a y r a k a jr e n i k p a d a h r e t h u r a g n e p r e b k a d it . n a H a H , a m ir e ti d : k a l o ti d a jr e k n a a k a l e c e k i s n a r u s a n a d h a p u

  . n a w a y r a k a jr e n i k . a s i s e t o p i h n a s u m u r e P

  ℎ = R

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  4

  2 e c a - s r a b e r s a m a s a m a b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n .

  3 . P e n g u ij a n d e n g a n u ij t U n t u k m e n g u j i p e n g a r u h s e c a r a p a r s i a l m a k a d a p a t d li a k u k a n d e n g a n m e n g g u n a k a n u j i .t D e n g a n m e n g g u n a k a n u j i t d a p a t d i k e t a h u i p e n g a r u h a n t a r a u p a h t e r h a d a p k i n e jr a k a r y a w a n d a n p e n g a r u h a s u r a n s i k e c e l a k a a n k e jr a t e r h a d a p k i n e jr a k a r y a w a n . a . P e r u m u s a n h i p o t e s i s

  H d ti e ir m a , H d ti o l a k : u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a

  a s e c a r a p a r s i a l it d a k b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n .

  H a d ti e ir m a , H d ti o l a k : u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a p a r s i a l b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n . b . R u m u s u j i t m e n u r u t D j a r w a n t o d a n P a n g e s t u S u b a g y o ,

  1

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  4

  3 1 . J i k a n li a i t h ti u n g < t t a b e l a r it n y a H d ti e ir m a , H a d ti o l a k .

  M a k a u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a p a r s i a l it d a k b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n .

  2 . J i k a n li a i t h ti u n g > t t a b e l a r it n y a H d ti o l a k , H a d ti e ir m a .

  M a k a u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a p a r s i a l b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n .

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  1 2 / 3 / 1 . K 2 . D /

  V C i s k u rt n o k g n a d i b m a l a d k a r e g r e b g n a y .

  I M S A S .

  S i m s a t r a s e b g n a u l e p i k il i m e m g n a y a h a s u h a u b e s n a k u m e n e m o a h a s u h a u b e s u ti a y a n e r a k i s k u rt n o k g n a d i b m a l a d k a r e g r e b g n a y i d a r e k a y n a b n a n u g n a b m e p i n i g n a r a k e s i s a s il a b o l g n a k u k a li d n a k a n a h u t u b e k a n e r a k , l a g g n it t a p m e t k u t n u a n a r a s a r p n a d a n a r a s a i s u n a m n a h u t u b e k g n a j n u n e m i g g n it n i k a m e s n a i d u m e k i n i a h a s u a m a n i r e b i d O T

  V C . n i p m i p i d g n a y O T S m s a k a p a B h e l o g n a y o ti a jr e k e p i a g a b e s i d a jr e k e b i r a d l a w a r e b n a h u r u b g g n a r a b t a k o k o t h a u b e s i d i a l u m o ti m s a S k a p a B . a h a s u r e b a h a s u h a u b e s n a k ir i d n e m k u t n u g n a y n a i d u m e k k a p a B

  I M S A S .

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  I M .

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  V C a y n a l u m l a w a l a d n a h r o t k a rt n o k O ir i d r e b T I M S A S .

  P g n il a p g n a y a h a s u h a l a d a r o t k a rt n o k n a h a s u r e p i n i t a a s a d a a t o k i d g n a b m e k r e b - r a s e b a t o k n a n u g n a b m e p a y n k a y n a b , n a l a j a t a b m e j n i a g n u s , u ti i r a d n a d n a k a n a h u t u b e k h a u b e s i r a d .

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  5 D a l a m u s a h a i n i p e r u s a h a a n k o n t a r k t o r s u d a h m e m i il k i 4 k a r y a w a n t e t a p d a n m e m i il k i

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  1 . D ri e k t u r a . B e tr a n g g u n g j a w a b a t a s k e l a n g s u n g a n h i d u p p e r u s a h a a n . b . M e n g a d a k a n p e jr a n ij a n k o n rt a k d e n g a n c o ts u m e r . c . M e n c a r i d a n a u n t u k p r o y e k . d . M e n g a t u r b a g i a n p e l a k s a n a , k e u a n g a n , a d m i n i s rt a s .i 2 . P e l a k s a n a a . M e m b u a t r e n c a n a a n g g a r a n b i a y a s u a t u p r o y e k u n t u k b a h a n t e n d e .r b . M e l a k u k a n s u r v a i l a p a n g a n k e l o k a s i s e t e l a h m e m e n a n g k a n t e n d e r .

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  . b M g n a y k e y o r p p a it e s ir a d n a g n a u e k n a r o p a l t a u b m e

  . b r a b n a k a i d e y n e M a a y n a l a jr e b k u t n u n a k h u t u b i d g n a y g n k e y o r p u t a u s n a s k a l e p n a g n e d i s a n i d r o o k a. . c g n a r a b k c o t s i a n e g n e m n a r o p a l t a u b m e M .

  . a M a y n r u t a g n e m n a d i l e b i d h a l e t g n a y g n a r a b n a p m i y n e r u t a r e t a r a c e s r a u l e k t a p a d g n a r a b r a g a k i a b n a g n e d .

  . k a j a p n a g n u ti h r e p n a r o p a l t a u b m e m n a d n a k u k a l e M . 4 n a g n a d u g r e p /i s a rt i n i m d A

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  2 X , )t n a t s n o C ( : s r o t c i d e r P a ) a jr e K n a a k a l e c e K i s n a r u s A (

  1 X , ) h a p U ( Y : e l b a ir a

  V t n e d n e p e D b ) n a w a y r a K a jr e n i K ( : r e b m u S L 5 n a ri p m a

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  3 2 . Y : e l b a ir a

  V t n e d n e p e D a : r e b m u S L 5 n a ri p m a

  D a r a p a d a p e k r e n o i s i u k n a k i g a b m e m n a g n e d h e l o r e p i d g n a y a t a d i r a a t a d n a h a l o g n e p n a k u k a li d a y n t u j n a l e s n a w a y r a k n a k a n u g g n e m n a g n e d .

  2 S 1 S P S s w o d n i w r o f

  i r a d l e b a t s a t a i d u ti a y a d n a g r e b i s e r g e r n a a m a s r e p h e l o r e p i d : = Y

  1

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  4 2 .

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  1 – , 0 3

  4

  2 X 2 .

  .

  5 F i j U n a g n e d n a tl u m i S h u r a g n e P i s n a k if i n g i S n a ij u g n e P 8 . V l e b a T P n a ij u g n e S i s n a k if i n g i P h u r a g n e n a tl u m i S n a g n e d F i j U ) b ( A

  V O N A

  M l e d o S f o m u

  S s e r a u q f d e r a u q S n a e M F . g i S 1 n o i s s e r g e R 8 .

  3

  2 1 , +

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  5

  9 D a r i d a t a y a n g d i p e r o l e h d e n g a n m e m b a g i k u i s i o n e r k e p a d a p a r a

  S P S S

  k a r y a w a n l a l u s e l a n j u t n y a d li a k u k a n p e n g o l a h a n d a t a d e n g a n m e n g g u n a k a n

  1 2 . f o r w i n d o w s

  d i p e r o l e h h a s i l a n a il s i s r e g r e s i s e c a r a s i m u tl a n a n t a r a v a ir a b e l u p a h ( X 1 ) d a n a s u r a n s i k e c e l a k a a n k e jr a (

  X 2 ) m a k a d i p e r o l e h F s e b e s a r =

  h ti u n g 9 .

  9

  2 3 .D e n g a n t a r a f s i g n i if k a n 5 % d a n d e r a j a t k e b e b a s a n d f ( n -k- 1 ) y a ti u 3 -2-

  1 =

  2 7 , m a k a d i p e r o l e h F 3 ,

  3

  5 4 s e h i n g g a d a p a t d i a m b i l k e s i m p u l a n b a h w a F

  t a b e l h ti u n g

  > F t a b e l m a k a H d ti e ir m a , H a d ti o l a k . Y a n g b e r a tr i v a ir a b e l u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a b - e r s a m a s a m a b e r p e n g a r u h t e r h a d a p v a ir a b e l Y ( K i n e jr a K a r y a w a n .)

  . P e n g u ij a n S i g n i if k a n s i P e n g a r u h P a r s i a l d e n g a n U ij t

6 T a b e l V .

  9 P e n g u ij a n S i g n i if k a n s i P e n g a r u h P a r s i a l d e n g a n U i j t

  U n s t a n d a r d i z e d S t a n d a r d i z e d M o d e l C o e f if c i e n t s C o e f if c i e n t s T S i g .

  B S t d . E r r o r B e t a 1 ( C o n s t a n )t 1 2 .

  1

  4

  1 6 .

  4

  1

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  8

  9 3 .

  6

  9 U p a h .

  9

  3 1 .

  2

  1 2 .

  7

  8 4 . 4 . A s u r a n s i K e c e l a k a a n - 3 .

  2 4 .

  2 1 - 4 .

  1

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  2 8 .

  2

  3 7 - K e jr a a D e p e n d e n t

  V a ir a b l e : Y S u m b e r : L a m p ri a n

  5 D a r i d a t a y a n g d i p e r o l e h d e n g a n m e m b a g i k a n k u i s i o n e r k e p a d a p a r a k a r y a w a n s e l a n j u t n y a d li a k u k a n p e n g o l a h a n d a t a d e n g a n m e n g g u n a k a n S P S S

  1 2 . f o r w i n d o w s . D a r i t a b e l d i a t a s m a k a d i p e r o l e h t h ti u n g s e b e s a r 4 0 ,

  4 . S e tr a t el a b d i s t ir b u s i t y a n g d i c a r i a d a l a h α = 5 % : 2 = 2 , 5 % d e n g a n u j i 2 s i s i ( s i g n i if k a n s i

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6 ,

  2 5 ) d i m a n a d e r a j a t k e b e b a s a n ( d f ) n -k- 1 = 3 -2- 1 =

  2 7 . S e h i n g g a d i p e r o l e h t t a b e l s e b e s a r 2 ,

  5 2 . D i k a r e n a k a n n li a i t h ti u n g > t t a b e l ( , 4 0 4 > 2 ,

  5 2 ) a r it n y a H a d ti e ir m a , H d ti o l a k . M a k a v a ir a b e l b e b a s X 1 ( U p a h ) s e c a r a p a r s i a l b e r p e n g a r u h s e c a r a s i g n i if k a n t e r h a d a p v a ir a b e l t e ir k a t Y ( K i n e jr a K a r y a w a n .)

  H a s i l p e n g o l a h a n d a t a v a ir a b e l

  X 2 ( A s u r a n s i K e c e l a k a a n K e jr a ) M e n u n j u k k a n b a h w a n li a i k o e if s i e n r e g r e s i s e b e s a r - , 0 3 2 .

  4 M a k a d i p e r o l e h t h ti u n g s e b e s a r = - , 1 8 2 d a n t t a b e l s e b e s a r 2 ,

  5 2 d i k a r e n a k a n t h ti u n g < t t a b e l a r it n y a H d ti e ir m a , H d ti o l a k m a k a d a p a t d i a m b i l k e s i m p u l a n b a h w a v a ir a b e l b e b a s

  X

  2

  a

  ( A s u r a n s i K e c e l a k a a n K e jr a ) it d a k b e r p e n g a r u h t e r h a d a p v a ir a b e l t e ir k a t Y ( K i n e jr a K a r y a w a n .)

  T a b e l V .

  1 H a s i l K o e f si i e n D e t e r m i n a s i M o d e l S u m m a r y

  S t d . E r r o r A d j u s t e d o f t h e

  M o d e l R R S q u a r e R S q u a r e E s it m a t e 1 .

  6

  5 1 ( a ) .

  4

  2 4 .

  3

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  1 3 .

  6

  4

  6 a P r e d i c t o r s : ( C o n s t a n )t , u p a h , a s u r a n s i k e c e l a k a a n k e jr a S u m b e r : L a m p ri a n

  6

  2 D a r i h a s li r e g r e s i il n i e r b e r g a n d a m a k a d i p e r o l e h k o e if s i e n d e t e r m i n a s i R

  

2

  s e b e s a r ,

  4

  2 4 a t a u

  4 2 , 4 % . B e s a r n y a R i n i m e n u n j u k k a n b a h w a v a ir a b e l b e b a s y a ti u u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a m e n u n j u k k a n p e n g a r u h t e r h a d a p v a ir a b e l t e ir k a t y a ti u k i n e jr a k a r y a w a n s e b e s a r

  4 2 , 4 % d a n

  5 7 , 6 % d i p e n g a r u h i o l e h v a ir a b e l l a i n y a ti u m o it v a s i , g a y a k e p e m i m p i n a n , il n g k u n g a n k e jr a , k o m u n i k a s i .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6

  1

  . P m b a h a s a n B e

  D a r i h a s li a n a il s i s d a t a v a ir a b e l u p a h b e r p e n g a r u h s e c a r a p o s i it f s i g n i if k a n t e r h a d a p v a ir a b e l k i n e jr a k a r y a w a n k a r e n a a d a n y a p e r s e p s i y a n g b a i k d a r i p a r a k a r y a w a n p a d a b a g i a n p e l a k s a n a m a k a k i n e jr a k a r y a w a n a k a n m e n i n g k a t .

  H a s i l a n a il s i s d a t a v a ir a b e l a s u r a n s i k e c e l a k a a n k e jr a it d a k b e r p e n g a r u h s e c a r a s i g n i if k a n t e r h a d a p v a ir a b e l k i n e jr a k a r y a w a n k a r e n a a d a n y a p e r s e p s i y a n g y a n g k u r a n g b a i k d a r i p a r a k a r y a w a n t e n t a n g a s u r a n s i k e c e l a k a a n k e jr a .

  H a s i l a n a il s i s d a t a s e c a r a s i m u tl a n v a ir a b e l u p a h d a n v a ir a b e l a s u r a n s i k e c e l a k a a n k e jr a b e r p e n g a r u h s e c a r a s i g n i if k a n t e r h a d a p v a ir a b e l k i n e jr a k a r y a w a n k a r e n a d e n g a n a d a n y a p e r s e p s i y a n g b a i k d a r i p a r a k a r y a w a n t e n t a n g u p a h m a u p u n p e r s e p s i y a n g b a i k d a r i p a r a k a r y a w a n t e n t a n g a s u r a n s i k e c e l a k a a n k e jr a s e h i n g g a m e n i n g k a t k a n k i n e jr a k a r y a w a n .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  B A B

  V I K E S

  I M P U L A N , S A R A N D A N K E T E R B A T A S A N . K E S

  I M P U L A N A

  B e r d a s a r k a n a n a il s i s d a t a y a n g d li a k u k a n o l e h p e n e - l ti i d i b a g i a n b a g i a n s e b e l u m n y a m a k a p e n e l ti i m e n a ir k k e s i m p u l a n b a h w a :

  1 U . p a h b e r p e n g a r u h s e c a r a p o s i it f t e r h a d a p k i n e jr a k a r y a w a n p a d a p e r u s a h a a n C V . S A S M

  I T O . I i n d a p a t d i il h a t p a d a u ij t b a h w a t

  h ti u n g

  = 4 , 4 > t t a b e l = 2 ,

  5 2 .

  2 A . s u r a n s i k e c e l a k a a n k e jr a it d a k b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n p a d a p e r u s a h a a n C V . S A S M I T O .

  I n i d a p a t d i il h a t p a d a u ij t b a h w a t h ti u n g = - 1 ,

  2 8 < t t a b e l = 2 ,

  5 2 . 3 . S e a - c r a b e r s a m a s a m a u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n p a d a p e r u s a h a a n C

  V . S A S M

  I T . O I n i d a p a t d i il h a t p a d a u j i F b a h w a F h ti u n g 9 = ,

  9

  2 3 > F t a b e l = 3 ,

  3

  5 4 .

  . S A R A N B

  B e r d a s a r a k a n h a s i l p e n e il it a n y a n g d li a k u k a n o l e h p e n u il s m a k a p e n u il s d a p a t m e m b e ir k a n s a r a n y a n g d a p a t m e n i n g k a t k a n k i n e jr a k a r y a w a n P e r u s a h a a n C V . S A S M

  I T O a n t a r a l a i n : 1 . D a r i h a s i l a n a il s i s t e n t a n g u p a h s e c a r a p a r s i a l t e r h a d a p k i n e jr a k a r y a w a n u p a h m e m i il k i p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n . S e h i n g g a p e r u s a h a a n s e h a r u s n y a l e b i h m e m p e r h a it k a n p e r s e p s i

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6

  3 p a r a k a r y a w a n t e n t a n g u p a h k a r e n a a d a n y a p e r s e p s i y a n g b a i k t e r h a d a p u p a h d i h a r a p k a n d a p a t m e n i n g k a t k a n k i n e jr a k a r y a w a n p a d a p e r u s a h a a n C V . S A S M I T O . 2 . D a r i h a s i l a n a il s i s d a t a t e n t a n g u p a h d a n a s u r a n s i k e c e l a k a a n k e jr a s a e c r a s i m u tl a n b e r p e n g a r u h p o s i it f t e r h a d a p k i n e jr a k a r y a w a n w a l a u p u n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a p a r s i a l it d a k b e r p e n g a r u h t e r h a d a p k i n e jr a k a r y a w a n . M a k a d i h a r a p k a n p e r u s a h a a n C V . S A S M

  I T O m e m p e r h a it k a n p e r s e p s i p a r a k a r y a w a n t e n t a n g u p a h m a u p u n a s u r a n s i k e c e l a k a a n k e jr a s e c a r a b e r s - a m a s a m a a g a r k i n e jr a k a r y a w a n m e n i n g k a t .

  . K E T E R B A T A S A N C

  D a l a m p e n e il it a n i n i p e n u il s m e r a s a m a s i h b a n y a k k e n d a l a y a n g d i h a d a p i o l e h p e n u il s k e d a l a t e r s e b u t a d a l a h s e b a g a i b e ir k u :t 1 . A d a n y a k e t e r b a t a s a n d a r i p a r a k a r y a w a n d a l a m m e m a h a m i p e tr a n y a a n y a n g t e r d a p a t d a l a m a n g k e t k u i s i o n e r k a r e n a a d a n y a p e r b e d a a n u s i a d a n p e n d i d i k a n p a r a k a r y a w a n . 2 . A d a n y a - v a ir a b e l v a ir a b e l l a i n y a n g m e m p e n g a r u h i k i n e jr a k a r y a w a n d a l a m p e r u s a h a a n C

  V . S A S M I T O . 3 . K e t e r b a t a s a n k e m a m p u a n , t e n a g a , b i a y a , s e tr a w a k t u d a l a m m e l a k u k a n p e n e il it a n .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  M a r a it u : a tr a k a J . r a w n A , u b a r P , a r a g e n u k g n a M (

  2

  1 2 ) . k e t s o s m a j r u s o r B a tr a k a y g o Y , . e o n a t n e S , o r o g e n o tr e K (

  2

  8

  9 1 ) . n a d p i s n i r P “ l a i s o S n a n i m a J

  

. ” a i s e n o d n

I i D a y n n a a n a s k a l e P

  5 2 ) . . M D S a j r e n i K i s a u l a v E : g n u d n a B A a m a ti d a k if e R . T P

  . s a b m a S i l A n i d i h u M n a d n a m a M , n a m h a r r u d b A (

  . a d i A , a l a y n a ti V , s i e b u H n a d i r f a j S , a ri w a r p u k g n a M

  (

  7 2 ) . n e m e j a n a M

  S r e b m u u t u M a i s u n a M a y a D a i s e n o d n I a il a h G : r o g o B .

  B g n u d n a . s i n s i B a k it s it a t S . )

  1 . 2 ( n a w u d i R n a d p e s A , a n a y r u S , a ri w a t a N

  A T E B A F L A :

  V . k e t s o s m a J (

  

A K A T S U P R A T F A D

  I S S P S

  1 2 ) . ” i s a k il p A n a d i r o e T “ a j r e n i K n e m e j a n a M .

  1

  1 2 ) . s it k a r P n a u d n a P

  “ n a it il e n e p i m a h a m e m ” l a i s o s g n a d i b ( - i s a r t s i n i m d a - n a k i d i d n e p .) B g n u d n a a it e S a k a t s u P .

  V C : . n a m r e H , i w a m r a D (

  6 2 ) . i s n a r u s A n e m e j a n a M a r a s k A i m u B : a tr a k a J . . m a h r

  I ,i m h a F (

  B g n u d n a A a t e b a fl : . m a m

  P m a r g o r n a g n e D e t a i r a v it l u M s is il a n A i s a k il p A B M

  I , il a z o h G . )

  6 2 ( A i s a k il p A s is il a n M e t a i r a v it l u D n a g n e P m a r g o r

  S S P S e k n a k a t e C - : g n a r a m e S ,

  V I o r o g e n o p i D s a ti s r e v i n U . )

  1

  1 . 2 ( m a m

  I , il a z o h G

   9

1 C e k n a k a t e - o r o g e n o p i D s a ti s r e v i n U : g n a r a m e S ,

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6 2 ) . k e p s A i m a h a m e M - k e p s A r e b m u S n a a l o l e g n e P

  P n a it il e n e k u t n U S S P S h a d u M r a j a l e B , s is e T , i s p i r k S m u m U & i s a t r e s i D

  : a tr a k a y g o Y , a m a tr e p n a k a t e C i s a m r o f n I a i d e M l a b o l G

  . o n o y i g u S (

  9 2 ) . e M s i n s i B n a it il e n e P i g o l o d o t e k n a k a t e C , - g n u d n a B ,

  4

  1 A a t e b a fl : T e n it s u J , ti a ri S . (

  

M a i s u n a a y a D m a l a D .i s a s i n a g r O o d n i s a r G T P : a tr a k a J

  S P A C : a tr a k a y g o Y . W a n t a ri , i n e w r a j u S ( .

  . n i e s u H , r a m U (

  7 2 ) .

  T s is e n a d i s p ir k S k u t n U “ n a it il e n e P e d o t e M ” s i n s i B

  P a d a s r e o d n if a r G a j a R T P : a tr a k a J . .

  8 H 2 . n i e s u , r a m U

  T s i s e n a d i s p i r k S k u t n u n a it il e n e P i g o l o d o t e M B s i n s i

  . a d a s r e P o d n if a r G a j a R T P : a r a k a J . a u d e K i s i d E ,

  8 2 . )

  5

  6 . s k i d a R , a b r u P (

  1 . 2 ( g n a n a D , o t o y n u S

  2

  9

  9 1 ) . . a i s e n o d n

  I i d i s n a r u s A i m a h a m e M

  . T P : a tr a k a J P o d n i s s e r n a m a n i B a k a t s u P

  P n a s il u n e n a m o d e P l a s o p o r P . )

  1 2 ( S a tr e i s p ir k S n a d n a it il e n e P

  D a m r a h a t a n a S s a ti s r e v i n U : a tr a k a y g o Y . n a ij U g n a t n e T n a u t n e t e K . s a n E n a D n u d A a n a y s u R , n a w u d i R (

  1

  1 2 ) . S S P S r a j a l e B h a d u M a r a C “

1 A a t e b a fl : g n u d n a B

  . ” n a it il e n e P k it s it a t S i s a k il p A n a d .

  7

  , o t o y n u S . g n a n a D . )

  7 2 ( s i s il a n A t a i r a v i B i s a l e r o K n a d i s e r g e R . Y a tr a k a y g o : s k o o B a r a m A

  . )

  1

  E i m o n o k n a it il e n e P i g o l o d o t e M S k it s it a t t a l A “ ” r e t u p m o K t u p t u O s i s il a n A &

  6

  6 K n a d n a n i p m i m e p e a y a G h u r a g n e P .

  1 D 2 . n a i , a k it r a S , a d u Y K e p m o n a w a y r a K a jr e n i K p a d a h r e T i s a s n

  P a d a s u s a K i d u t S ( S i s p ir k S : a tr a k a y g o Y . ) g n u g A a tr A R P B . T P n a w a y r a K

  • D S U

  1 S i d u t ( n a w a y r a K a jr e n i K n a d i s a s i n a g r O a y a d u B .

  1 W 2 . a r d n i , a n a d r a W P n a a h a s u r e s u s a K

  H e s u o t s e u G o rt e M n a p a n i g n e P a s a J . )

  S i s p ir k S : a tr a k a y g o Y - D S U

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7

  6

  A 1 N R

  I P M A L A T A D

  I S A L U B A T N A

  I T

  I L E N E P PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8

  5

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  1

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  7

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  7

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  4

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  3 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  9

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  6

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  4

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7 .

  2

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  2 D i s a l u b a T a jr e K n a a k a l a c e K i s n a r u s A a t a R n e d n o p s e

  4

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  2 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1

  2

  3

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  8

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  8 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2

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  7 . 3 a jr e n i K a t a D i s a l u b a T

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  3 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3

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  9 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  7

  A 2 N R

  I P M A L N E D N O P S E R K

  I T S

  I R E T K A R A K PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  5

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  7

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  8

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  8 J i k a s a y a s a k i t a k i b a t p e k e jr a a n y a n g s a y a l a k u k a n m e n d a p a t k a n s a n t u n a n u n t u k p e n g o b a t a n

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  N A B A W A J S T S S T R R S S S

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  6 S n i a l n a w a y r a k n a g n e d a m a s a jr e k e b u l a l e s a y a 7 m it m a l a d a m a s a jr e k e b a s i b a y a S

  8 S a y a s n a s a t a n a g n e d a m a s a jr e k e b u l a l e s a y a 9 it a h a r a c e s n a k u k a l a y a s n a a jr e k e P - it a h

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  7

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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