4.1.2 Uji Normalitas Data
Berikut disajikan uji normalitas data untuk CAR, ROA, ROE dan LDR bank syariah dan bank konvensional dengan uji normalitas one-sample
Kolmogorov Smirnov.
Tabel 4.2 Hasil Perhitungan Kolmogorov smirnov
One- Sample Kolmogor- Smirnov Test
CAR Syariah
CAR Konvensional
ROA Syariah
ROA Konvensional
N 6
24 6
24 Normal Parameters
a,b
Mean 11.8033
23.5537 1.7800
2.7525 Std. Deviation
1.10719 8.33590
.77558 1.29781
Most Extreme Differences Absolute
.237 .159
.210 .142
Positive .237
.159 .145
.142 Negative
-.202 -.108
-.210 -.092
Kolmogorov-Smirnov Z .581
.777 .515
.697 Asymp. Sig. 2-tailed
.888 .583
.953 .716
a. Test distribution is Normal. b. Calculated from data.
Dari tabel diatas dapat dilihat Asymp. Sig. 2-tailed CAR, ROA, ROE,LDR dan Kinerja bank syariah dan bank konvensional lebih besar dari 0.05 sehingga
dapat disimpulkan bahwa data CAR, ROA, ROE, LDR dan kinerja masing-masing bank berdistribusi normal.
One-Sample Kolmogorov-Smirnov Test
ROE Syariah
ROE Konvensional
LDR Syariah
LDR Konvensional
N 6
24 6
24 Normal Parameters
a,b
Mean 35.4900
14.7417 89.4133 84.7517
Std. Deviation 20.26351
7.81187 8.12178 36.96993
Most Extreme Differences Absolute
.166 .180
.231 .244
Positive .142
.180 .231
.244 Negative
-.166 -.081
-.199 -.139
Kolmogorov-Smirnov Z .407
.882 .566
1.196 Asymp. Sig. 2-tailed
.996 .418
.906 .114
a. Test distribution is Normal. b. Calculated from data.
One-Sample Kolmogorov-Smirnov Test
Kinerja Syariah Kinerja Konvensional
N 6
24 Normal Parameters
a,b
Mean 90.4167
88.0208 Std. Deviation
4.30600 8.00744
Most Extreme Differences Absolute
.205 .266
Positive .205
.163 Negative
-.128 -.266
Kolmogorov-Smirnov Z .503
1.302 Asymp. Sig. 2-tailed
.962 .067
a. Test distribution is Normal. b. Calculated from data.
4.1.3 Uji Hipotesis
Setelah melakukan uji normalitas yang menyatakan bahwa data-data yang digunakan adalah normal, maka tahapan berikutnya adalah melakukan perhitungan
uji hipotesis dengan analisis Independent sample t-test dengan menggunakan SPSS versi 18.0. Perhitungan dilakukan dengan menggunakan data CAR, ROA, ROE
dan LDR bank syariah dan bank konvensional.
Tabel 4.3 Hasil Perhitungan Independent Samples Test
Independent Samples Test
Levenes Test for
Equality of Variances
t-test for Equality of Means F
Sig. t
df Sig. 2-
tailed Mean
Difference Std. Error
Difference 95 Confidence Interval
of the Difference Lower
Upper CAR
Equal variances assumed 6.674
.015 -3.401
28 .002
-11.75042 3.45500
-18.82766 -4.67317
Equal variances not assumed
-6.674 25.770
.000 -11.75042
1.76057 -15.37090
-8.12994 ROA
Equal variances assumed 1.231
.277 -1.745
28 .092
-.97250 .55733
-2.11414 .16914
Equal variances not assumed
-2.356 13.059
.035 -.97250
.41284 -1.86397
-.08103 ROE
Equal variances assumed 11.85
7 .002
4.091 28
.000 20.74833
5.07139 10.36007
31.13660 Equal variances not
assumed 2.463
5.377 .054
20.74833 8.42483
-.45971 41.95637
LDR Equal variances assumed
3.051 .092
.303 28
.764 4.66167
15.37373 -26.83000
36.15333 Equal variances not
assumed .566
27.946 .576
4.66167 8.24275
-12.22429 21.54763
KINERJA Equal variances assumed
1.381 .250
.702 28
.489 2.39583
3.41505 -4.59958
9.39124 Equal variances not
assumed .998
14.953 .334
2.39583 2.40040
-2.72190 7.51357
4.2 Pembahasan Hasil Penelitian
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