Implikasi KESIMPULAN DAN IMPLIKASI

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JRAI Mei, pp 184-198. 2001. 126 Variabel 2 X2 Aktiva Tetap Terhadap Modal ATTM No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 ATTM ATTM ATTM 1 PT. Bank Bumi Arta, Tbk 0.4660 0.4471 0.4653 2 PT. Bank Ganesha 0.2909 0.3128 0.3405 3 PT. Bank Kesawan, Tbk 0.5274 0.5397 0.4715 4 PT. Bank Mayapada Internasional 0.2908 0.3585 0.3730 5 PT. Bank Mestika Dharma 0.1950 0.1766 0.1692 6 PT. Bank Nusantara Parahyangan, Tbk 0.1372 0.1348 0.1300 7 PT. Bank Sinarmas 0.2765 0.4089 0.4318 8 PT. Bank Swadesi, Tbk 0.2967 0.1319 0.1297 9 PT. Bank Harda Internasional 0.3986 0.3345 0.3372 10 PT. Bank Jasa Jakarta 0.1305 0.1276 0.1278 11 PT. Bank Kesejahteraan Ekonomi 0.0761 0.0963 0.0955 12 PT. Bank Victoria International 0.2732 0.2322 0.3130 13 PT. Bank Yudha Bhakti 0.1591 0.1451 0.1426 No Daftar Nama Bank Bermasalah 2007 2008 2009 ATTM ATTM ATTM 1 PT. Bank Agroniaga, Tbk 0.1336 0.1497 0.1100 2 PT. Bank Mutiara, Tbk 0.2397 -0.1836 0.6093 3 PT. Bank Eksekutif International, Tbk 1.1362 1.1120 1.7597 Variabel 1 X1 CAR No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 CAR CAR CAR 1 PT. Bank Bumi Arta, Tbk 0.3430 0.3115 0.2842 2 PT. Bank Ganesha 0.2100 0.2121 0.1004 3 PT. Bank Kesawan, Tbk 0.1036 0.1043 0.1256 4 PT. Bank Mayapada Internasional 0.2995 0.2369 0.1756 5 PT. Bank Mestika Dharma 0.2609 0.2649 0.2848 6 PT. Bank Nusantara Parahyangan, Tbk 0.1762 0.1411 0.1260 7 PT. Bank Sinarmas 0.1118 0.1152 0.1305 8 PT. Bank Swadesi, Tbk 0.2066 0.3327 0.3290 9 PT. Bank Harda Internasional 0.1398 0.1658 0.1350 10 PT. Bank Jasa Jakarta 0.2344 0.2563 0.2461 11 PT. Bank Kesejahteraan Ekonomi 0.2089 0.1434 0.1317 12 PT. Bank Victoria International 0.1958 0.2322 0.1692 13 PT. Bank Yudha Bhakti 0.1638 0.1524 0.1311 No Daftar Nama Bank Bermasalah 2007 2008 2009 CAR CAR CAR 1 PT. Bank Agroniaga, Tbk 0.1794 0.1351 0.2000 2 PT. Bank Mutiara, Tbk 0.1591 -0.3962 0.1231 3 PT. Bank Eksekutif International, Tbk 0.1191 0.0934 0.0802 127 Variabel 3 X3 Net Interest Margin NIM No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 NIM NIM NIM 2 PT. Bank Bumi Arta, Tbk 0.0660 0.0690 0.0700 3 PT. Bank Ganesha 0.0458 0.0416 0.0442 4 PT. Bank Kesawan, Tbk 0.0468 0.0424 0.0478 6 PT. Bank Mayapada Internasional 0.0685 0.0757 0.0674 7 PT. Bank Mestika Dharma 0.0885 0.0868 0.0915 8 PT. Bank Nusantara Parahyangan, Tbk 0.0361 0.0360 0.0369 9 PT. Bank Sinarmas 0.0415 0.0366 0.0504 10 PT. Bank Swadesi, Tbk 0.0372 0.0544 0.0541 11 PT. Bank Harda Internasional 0.0408 0.0458 0.0544 12 PT. Bank Jasa Jakarta 0.0454 0.0427 0.0530 13 PT. Bank Kesejahteraan Ekonomi 0.0885 0.0697 0.0570 14 PT. Bank Victoria International 0.0256 0.0261 0.0238 15 PT. Bank Yudha Bhakti 0.0564 0.0521 0.0470 No Daftar Nama Bank Bermasalah 2007 2008 2009 NIM NIM NIM 1 PT. Bank Agroniaga, Tbk 0.0403 0.0407 0.0500 2 PT. Bank Mutiara, Tbk 0.0334 -0.0085 0.0076 3 PT. Bank Eksekutif International, Tbk 0.0844 0.0763 0.0745 Variabel 4 X4 Loan to Deposit Ratio LDR No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 LDR LDR LDR 1 PT. Bank Bumi Arta, Tbk 0.5199 0.5986 0.5058 2 PT. Bank Ganesha 0.6957 0.7630 0.6341 3 PT. Bank Kesawan, Tbk 0.6846 0.7466 0.6697 4 PT. Bank Mayapada Internasional 1.0388 1.0022 0.8377 5 PT. Bank Mestika Dharma 0.8936 0.9782 0.9226 6 PT. Bank Nusantara Parahyangan, Tbk 0.4939 0.6612 0.7364 7 PT. Bank Sinarmas 0.6218 0.8331 0.7901 8 PT. Bank Swadesi, Tbk 0.6216 0.8311 0.8110 9 PT. Bank Harda Internasional 0.6552 0.6852 0.7131 10 PT. Bank Jasa Jakarta 0.8523 0.8355 0.8500 11 PT. Bank Kesejahteraan Ekonomi 0.9412 1.0335 1.0232 12 PT. Bank Victoria International 0.5592 0.5346 0.5043 13 PT. Bank Yudha Bhakti 0.5260 0.6754 0.5938 No Daftar Nama Bank Bermasalah 2007 2008 2009 LDR LDR LDR 1 PT. Bank Agroniaga, Tbk 0.7702 0.9480 0.8100 2 PT. Bank Mutiara, Tbk 0.4361 0.9316 0.8166 3 PT. Bank Eksekutif International, Tbk 0.7806 0.7104 0.7922 128 Variabel 3 X3 Profit Margin PM = Beban BungaTotal Asset No Tahun Daftar Nama Bank Tidak Bermasalah

B. Bunga T. Asset

PM 1 2007 PT. Bank Bumi Arta, Tbk 85854 1950256 0.0440219 2 2007 PT. Bank Ganesha 83371 1569533 0.0531183 3 2007 PT. Bank Kesawan, Tbk 141544 2184493 0.0647949 4 2007 PT. Bank Mayapada Internasional 275949 4474878 0.0616663 5 2007 PT. Bank Mestika Dharma 181587 4459009 0.0407236 6 2007 PT. Bank Nusantara Parahyangan, Tbk 219943 3772770 0.0582975 7 2007 PT. Bank Sinarmas 228424 5468441 0.0417713 8 2007 PT. Bank Swadesi, Tbk 67129 1167733 0.0574866 9 2007 PT. Bank Harda Internasional 70670 1053715 0.0670675 10 2007 PT. Bank Jasa Jakarta 167307 2734028 0.0611943 11 2007 PT. Bank Kesejahteraan Ekonomi 55332 1023550 0.0540589 12 2007 PT. Bank Victoria International 265733 5183742 0.0512628 13 2007 PT. Bank Yudha Bhakti 145334 1925860 0.0754645 14 2008 PT. Bank Bumi Arta, Tbk 94331 2044367 0.0461419 15 2008 PT. Bank Ganesha 95926 1467759 0.0653554 16 2008 PT. Bank Kesawan, Tbk 105565 1981048 0.0532875 17 2008 PT. Bank Mayapada Internasional 330097 5512694 0.0598794 18 2008 PT. Bank Mestika Dharma 188252 4998368 0.0376627 19 2008 PT. Bank Nusantara Parahyangan, Tbk 203143 3694809 0.0549806 20 2008 PT. Bank Sinarmas 411431 6064626 0.0678411 21 2008 PT. Bank Swadesi, Tbk 67537 1359868 0.0496644 22 2008 PT. Bank Harda Internasional 65529 1037658 0.0631509 23 2008 PT. Bank Jasa Jakarta 184427 2846450 0.0647919 24 2008 PT. Bank Kesejahteraan Ekonomi 101449 1359521 0.0746211 25 2008 PT. Bank Victoria International 393972 5580480 0.0705982 26 2008 PT. Bank Yudha Bhakti 153835 1994475 0.0771306 27 2009 PT. Bank Bumi Arta, Tbk 96048 2403187 0.0399669 28 2009 PT. Bank Ganesha 100040 1411461 0.0708769 29 2009 PT. Bank Kesawan, Tbk 122861 232456 0.5285344 30 2009 PT. Bank Mayapada Internasional 529088 7629928 0.0693438 31 2009 PT. Bank Mestika Dharma 199485 5388446 0.0370209 32 2009 PT. Bank Nusantara Parahyangan, Tbk 252636 3896393 0.0648384 33 2009 PT. Bank Sinarmas 454556 8036015 0.0565649 34 2009 PT. Bank Swadesi, Tbk 82498 1537378 0.0536615 35 2009 PT. Bank Harda Internasional 77994 1289600 0.0604792 36 2009 PT. Bank Jasa Jakarta 180299 3259597 0.0553133 37 2009 PT. Bank Kesejahteraan Ekonomi 151743 1537791 0.098676 38 2009 PT. Bank Victoria International 486349 7271127 0.0668877 39 2009 PT. Bank Yudha Bhakti 187007 2223304 0.0841122 129 No Tahun Daftar Nama Bank Bermasalah

B. Bunga T. Asset

PM 1 2007 PT. Bank Agroniaga, Tbk 235851 2983769 0.079045 2 2007 PT. Bank Mutiara, Tbk 565715 13796376 0.041005 3 2007 PT. Bank Eksekutif International, Tbk 96189 1349719 0.071266 4 2008 PT. Bank Agroniaga, Tbk 224659 2578439 0.08713 5 2008 PT. Bank Mutiara, Tbk 728706 5585890 0.130455 6 2008 PT. Bank Eksekutif International, Tbk 99963 1492166 0.066992 7 2009 PT. Bank Agroniaga, Tbk 224838 2981696 0.075406 8 2009 PT. Bank Mutiara, Tbk 473364 7531145 0.062854 9 2009 PT. Bank Eksekutif International, Tbk 99262 1425576 0.069629 Variabel 6 X6 Aktiva Produktif Bermasalah APB No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 APB APB APB 1 PT. Bank Bumi Arta, Tbk 0.0100 0.0099 0.0086 2 PT. Bank Ganesha 0.0109 0.0101 0.0123 3 PT. Bank Kesawan, Tbk 0.0456 0.0343 0.0456 4 PT. Bank Mayapada Internasional 0.0218 0.0035 0.0068 5 PT. Bank Mestika Dharma 0.0293 0.0171 0.0811 6 PT. Bank Nusantara Parahyangan, Tbk 0.0092 0.0081 0.0129 7 PT. Bank Sinarmas 0.0016 0.0153 0.0294 8 PT. Bank Swadesi, Tbk 0.0094 0.0154 0.0121 9 PT. Bank Harda Internasional 0.0046 0.0104 0.0236 10 PT. Bank Jasa Jakarta 0.0082 0.0080 0.0049 11 PT. Bank Kesejahteraan Ekonomi 0.0130 0.0134 0.0148 12 PT. Bank Victoria International 0.0096 0.0096 0.0116 13 PT. Bank Yudha Bhakti 0.0262 0.0133 0.0169 No Daftar Nama Bank Bermasalah 2007 2008 2009 APB APB APB 1 PT. Bank Agroniaga, Tbk 0.1336 0.0511 0.0500 2 PT. Bank Mutiara, Tbk 0.0109 0.5830 0.4208 3 PT. Bank Eksekutif International, Tbk 0.1425 0.1317 0.2312 130 Variabel 7 X7 NPL Gross No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 NPL g NPL g NPL g 1 PT. Bank Bumi Arta, Tbk 0.0227 0.0192 0.0215 2 PT. Bank Ganesha 0.0128 0.0139 0.0208 3 PT. Bank Kesawan, Tbk 0.0681 0.0408 0.0570 4 PT. Bank Mayapada Internasional 0.0048 0.0283 0.0096 5 PT. Bank Mestika Dharma 0.0401 0.0213 0.1078 6 PT. Bank Nusantara Parahyangan, Tbk 0.0189 0.0124 0.0183 7 PT. Bank Sinarmas 0.0026 0.0199 0.0218 8 PT. Bank Swadesi, Tbk 0.0195 0.0216 0.0164 9 PT. Bank Harda Internasional 0.0067 0.0153 0.0337 10 PT. Bank Jasa Jakarta 0.0127 0.0124 0.0075 11 PT. Bank Kesejahteraan Ekonomi 0.0184 0.0149 0.0164 12 PT. Bank Victoria International 0.0239 0.0254 0.0300 13 PT. Bank Yudha Bhakti 0.0496 0.0203 0.0258 No Daftar Nama Bank Bermasalah 2007 2008 2009 NPL g NPL g NPL g 1 PT. Bank Agroniaga, Tbk 0.0654 0.0615 0.0700 2 PT. Bank Mutiara, Tbk 0.0346 0.3517 0.3759 3 PT. Bank Eksekutif International, Tbk 0.1517 0.1549 0.2790 Variabel 8 X8 NPL Net No Daftar Nama Bank Tidak Bermasalah 2007 2008 2009 NPL n NPL n NPL n 2 PT. Bank Bumi Arta, Tbk 0.0178 0.0146 0.0171 3 PT. Bank Ganesha 0.0103 0.0114 0.0162 4 PT. Bank Kesawan, Tbk 0.0633 0.0374 0.0533 6 PT. Bank Mayapada Internasional 0.0014 0.0207 0.0049 7 PT. Bank Mestika Dharma 0.0396 0.0206 0.0965 8 PT. Bank Nusantara Parahyangan, Tbk 0.0148 0.0112 0.0181 9 PT. Bank Sinarmas 0.0127 0.0172 0.0165 10 PT. Bank Swadesi, Tbk 0.0147 0.0182 0.0142 11 PT. Bank Harda Internasional 0.0062 0.0151 0.0330 12 PT. Bank Jasa Jakarta 0.0078 0.0087 0.0018 13 PT. Bank Kesejahteraan Ekonomi 0.0048 0.0043 0.0045 14 PT. Bank Victoria International 0.0020 0.0044 0.0115 15 PT. Bank Yudha Bhakti 0.0430 0.0183 0.0254 No Daftar Nama Bank Bermasalah 2007 2008 2009 NPL n NPL n NPL n 1 PT. Bank Agroniaga, Tbk 0.0458 0.0359 0.0400 2 PT. Bank Mutiara, Tbk 0.0333 0.1042 0.0953 3 PT. Bank Eksekutif International, Tbk 0.1436 0.1429 0.1839 131 Lampiran 2 : Output SPSS 17 Uji Normalitas GET FILE=C:\Documents and Settings\Compaq\My Documents\data spss\fix.sav. NPAR TESTS K-SNORMAL=CAR ATM NIM LDR PM APB NPLg NPLn MISSING ANALYSIS. NPar Tests [DataSet1] C:\Documents and Settings\Compaq\My Documents\data spss\fix.sav One-Sample Kolmogorov-Smirnov Test CAR ATM NIM LDR PM APB NPLg NPLn N 48 48 48 48 48 48 48 48 Normal Parameters a, ,b Mean .174698 .324119 .051296 .747281 .062971 -3.948440 -3.587806 -4.007703 Std. Deviation .109901 2 .313789 7 .020726 9 .158829 5 .016566 4 1.2014204 1.0284222 1.1294836 Most Extreme Differences Absolute .188 .194 .107 .056 .120 .186 .152 .102 Positive .075 .194 .107 .056 .120 .186 .152 .102 Negative -.188 -.194 -.105 -.053 -.067 -.128 -.114 -.084 Kolmogorov-Smirnov Z 1.303 1.346 .742 .385 .832 1.287 1.053 .705 Asymp. Sig. 2-tailed .067 .053 .640 .998 .493 .073 .218 .703 a. Test distribution is Normal. b. Calculated from data. T-TEST GROUPS=kategori0 1 MISSING=ANALYSIS VARIABLES=CAR ATM NIM LDR PM APB NPLg NPLn CRITERIA=CI.95. T-Test [DataSet1] C:\Documents and Settings\Compaq\My Documents\data spss\fix.sav Group Statistics Kategori N Mean Std. Deviation Std. Error Mean CAR Bermasalah 9 .077022 .1815991 .0605330 Tidak Bermasalah 39 .197238 .0722155 .0115637 ATM Bermasalah 9 .562956 .6409503 .2136501 Tidak Bermasalah 39 .269003 .1366333 .0218788 NIM Bermasalah 9 .044300 .0313429 .0104476 Tidak Bermasalah 39 .052910 .0176144 .0028206 LDR Bermasalah 9 .777300 .1486342 .0495447 Tidak Bermasalah 39 .740354 .1621355 .0259625 PM Bermasalah 9 .075978 .0240922 .0080307 Tidak Bermasalah 39 .059969 .0129588 .0020751 APB Bermasalah 9 -2.149653 1.2141844 .4047281 Tidak Bermasalah 39 -4.363544 .7291943 .1167645 NPLg Bermasalah 9 -2.065543 .8600475 .2866825 Tidak Bermasalah 39 -3.939097 .6906108 .1105862 NPLn Bermasalah 9 -2.580381 .6751837 .2250612 Tidak Bermasalah 39 -4.337085 .9423659 .1508993 132 Independent Samples Test Levenes Test for Equality of Variances t-test for Equality of Means 95 Confidence Interval of the Difference F Sig. t df Sig. 2- tailed Mean Difference Std. Error Differen ce Lower Upper CAR Equal variances assumed 2.967 .092 -3.244 46 .002 -.1202162 .0370603 -.1948147 -.0456178 Equal variances not assumed -1.951 8.592 .084 -.1202162 .0616277 -.2606430 .0202105 ATM Equal variances assumed 57.901 .000 2.697 46 .010 .2939530 .1089929 .0745618 .5133442 Equal variances not assumed 1.369 8.168 .208 .2939530 .2147674 -.1995292 .7874352 NIM Equal variances assumed 4.947 .031 -1.127 46 .266 -.0086103 .0076430 -.0239947 .0067742 Equal variances not assumed -.796 9.198 .446 -.0086103 .0108217 -.0330104 .0157899 LDR Equal variances assumed 1.738 .194 .625 46 .535 .0369462 .0591197 -.0820557 .1559480 Equal variances not assumed .661 12.794 .521 .0369462 .0559351 -.0840926 .1579849 PM Equal variances assumed 1.929 .172 2.796 46 .008 .0160085 .0057250 .0044847 .0275324 Equal variances not assumed 1.930 9.095 .085 .0160085 .0082945 -.0027250 .0347420 APB Equal variances assumed 3.366 .073 7.178 46 .000 2.2138908 .3084321 1.5930492 2.8347324 Equal variances not assumed 5.256 9.373 .000 2.2138908 .4212349 1.2667477 3.1610340 NPLg Equal variances assumed 2.071 .157 7.008 46 .000 1.8735533 .2673419 1.3354219 2.4116847 Equal variances not assumed 6.097 10.509 .000 1.8735533 .3072721 1.1933761 2.5537306 NPLn Equal variances assumed .229 .635 5.269 46 .000 1.7567040 .3334137 1.0855771 2.4278310 Equal variances not assumed 6.483 16.123 .000 1.7567040 .2709671 1.1826367 2.3307713