Analisis Pemberian Kredit dan Resiko Kredit Serta Pengaruhnya Terhadap Tingkat Profitabilitas pada PT. BPR NBP 20 Delitua

LAMPIRAN
Lampiran 1
Perkembangan Pemberian Kredit PT. BPR NBP 20 Delitua

Tahun

2008

2009

2010

2011

2012

2013

2014

Triwulan

I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV

I
II
III
IV
I
II
III
IV

Kredit yang
diberikan
Rp. 14.135.953
Rp. 16.230.004
Rp. 18.525.088
Rp. 18.331.670
Rp. 18.557.894
Rp. 19.349.191
Rp. 20.602.406
Rp. 22.948.163
Rp. 25.804.054

Rp. 27.871.530
Rp. 26.711.233
Rp. 26.259.449
Rp. 27.782.733
Rp. 31.302.750
Rp. 33.990.042
Rp. 36.677.334
Rp. 38.634.370
Rp. 40.844.324
Rp. 42.514.097
Rp. 44.631.387
Rp. 47.660.739
Rp. 50.203.934
Rp. 52.716.240
Rp. 52.917.237
Rp. 53.350.787
Rp. 55.439.107
Rp. 59.239.141
Rp. 60.588.283

Rata-rata

Perkembangan

Pertumbuhan

Rp. 2.094.051
Rp. 2.295.084
Rp. -193.418
Rp. 326.224
Rp. 691.297
Rp. 1.253.215
Rp. 2.345.757
Rp. 2.855.891
Rp. 2.067.576
Rp. -1.160.397
Rp. -451.784
Rp. 1.523.284
Rp. 3.520.017
Rp. 2.687.292

Rp. 2.687.292
Rp. 1.957.035
Rp. 2.209.954
Rp. 1.669.773
Rp. 2.117.290
Rp. 3.029.352
Rp. 2.543.195
Rp. 2.512.306
Rp. 200.997
Rp. 433.550
Rp. 2.088.320
Rp. 3.800.034
Rp. 1.349.142
Rp. 1.659.011

12.90%
12.39%
-1.06%
1.75%
3.57%

6.08%
10.22%
11.07%
7.42%
-4.34%
-1.72%
5.48%
11.25%
7.91%
7.33%
5.07%
5.41%
3.93%
4.74%
6.36%
5.07%
4.77%
0.38%
0.81%
3.77%

6.41%
2.23%
4.97%

Universitas Sumatera Utara

Lampiran 2
Perkembangan Risiko Kredit Pada PT. BPR NBP20 Delitua
Tahun

2008

2009

2010

2011

2012

2013

2014

Triwulan
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III

IV
I
II
III
IV
I
II
III
IV
I
II
III
IV

NPL

Rp. 505.474
Rp. 581.576
Rp. 932.566
Rp. 1.996.229

Rp. 581.293
Rp. 796.111
Rp. 777.067
Rp. 1.937.781
Rp. 438.307
Rp. 996.570
Rp. 1.243.235
Rp. 1.135.541
Rp. 1.204.956
Rp. 1.201.088
Rp. 1.116.879
Rp. 1.991.210
Rp. 968.335
Rp. 1.392.101
Rp. 1.581.583
Rp. 1.507.746
Rp. 1.754.363
Rp. 1.760.138
Rp. 1.720.636
Rp. 1.837.781

Rp. 1.909.863
Rp. 1.784.909
Rp. 1.746.229
Rp. 1.791.210
Rata-rata

Total Aktiva

Resiko
Kredit

Perkembangan

Rp. 22.872.484
Rp. 19.517.891
Rp. 15.065.560
Rp. 25.041.502
Rp. 15.193.131
Rp. 14.429.554
Rp. 11.194.811
Rp. 35.558.326
Rp. 14.251.442
Rp. 24.797.129
Rp. 35.523.637
Rp. 26.764.271
Rp. 32.127.924
Rp. 33.457.544
Rp. 32.603.702
Rp. 50.040.060
Rp. 39.565.833
Rp. 53.139.172
Rp. 53.692.755
Rp. 57.803.781
Rp. 60.269.836
Rp. 56.800.177
Rp. 59.430.197
Rp. 58.354.913
Rp. 60.150.867
Rp. 62.853.364
Rp. 70.527.215
Rp. 71.018.410
Rp. 39.715.910

2.21%
2.98%
6.19%
7.97%
3.83%
5.52%
6.94%
5.45%
3.08%
4.02%
3.50%
4.24%
3.75%
3.59%
3.43%
3.98%
2.45%
2.62%
2.95%
2.61%
2.91%
3.10%
2.90%
3.15%
3.18%
2.84%
2.48%
2.52%
3.73%

0.77%
3.21%
1.78%
-4.15%
1.69%
1.42%
-1.49%
-2.37%
0.94%
-0.52%
0.74%
-0.49%
-0.16%
-0.16%
0.55%
-1.53%
0.17%
0.33%
-0.34%
0.30%
0.19%
-0.20%
0.25%
0.03%
-0.34%
-0.36%
0.05%
0.01%

Universitas Sumatera Utara

Lampiran 3
Perkembangan Profitabilitas PT. BPR NBP 20 Delitua
Tahun

2008

2009

2010

2011

2012

2013

2014

Triwulan
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV
I
II
III
IV

EBT

Rp. 294.632
Rp. 686.457
Rp. 898.533
Rp. 1.339.289
Rp. 172.834
Rp. 548.667
Rp. 840.645
Rp. 1.086.225
Rp. 232.053
Rp. 509.404
Rp. 545.095
Rp. 756.359
Rp. 185.515
Rp. 430.813
Rp. 1.075.028
Rp. 1.780.966
Rp. 430.559
Rp. 1.154.422
Rp. 1.832.439
Rp. 2.641.079
Rp. 546.780
Rp. 1.396.749
Rp. 2.316.060
Rp. 3.360.240
Rp. 534.614
Rp. 1.400.147
Rp. 2.248.946
Rp. 3.422.722
Rata-rata

Total Aktiva

ROA

Perkembangan

Rp. 19.517.891
Rp. 22.872.484
Rp. 25.065.560
Rp. 25.041.502
Rp. 25.193.131
Rp. 24.429.554
Rp. 31.194.811
Rp. 35.558.326
Rp. 34.251.442
Rp. 34.797.129
Rp. 35.523.637
Rp. 36.764.271
Rp. 42.127.924
Rp. 43.457.544
Rp. 42.603.702
Rp. 50.040.060
Rp. 49.565.833
Rp. 53.139.172
Rp. 53.692.755
Rp. 57.803.781
Rp. 60.269.836
Rp. 66.800.177
Rp. 69.430.197
Rp. 68.354.913
Rp. 70.150.867
Rp. 72.853.364
Rp. 80.527.215
Rp. 81.018.410
Rp. 46.858.767

1.10%
2.42%
3.20%
4.70%
1.44%
2.49%
3.91%
5.22%
1.36%
2.67%
3.94%
5.01%
0.61%
1.31%
3.00%
4.02%
1.14%
1.45%
1.54%
2.70%
0.78%
2.77%
2.98%
3.31%
2.28%
3.53%
4.17%
5.69%
2.81%

1.31%
0.79%
1.49%
-3.26%
1.05%
1.42%
1.31%
-3.86%
1.30%
1.27%
1.07%
-4.40%
0.70%
1.69%
0.00%
-1.86%
0.31%
0.09%
1.16%
-1.92%
1.99%
0.21%
0.33%
-1.02%
1.24%
0.64%
1.52%
0.16%

Universitas Sumatera Utara

Lampiran 4
Output SPSS

Descriptive Statistics
N

Minimum

Maximum

Mean

Std. Deviation

28

.6100

5.6900

2.812143

1.4172884

Pemberian Kredit

28

2.1200

3.8200

3.220714

.3478072

Resiko Kredit

28

438307

1996229

1328242.04

500487.953

Valid N (listwise)

28

Tingkat
Profitabilitas

Hasil Uji Normalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardize
d Residual
N

28

Kolmogorov-Smirnov Z

.480

Asymp. Sig. (2-tailed)

.975

a. Test distribution is Normal.
b. Calculated from data.

Histogram untuk Pengujian Asumsi Normalitas

Universitas Sumatera Utara

Normalitas dengan Normal Probability Plot

Hasil Uji Multikolinearitas
Collinearity Statistics
Model
1

Tolerance

VIF

(Constant)
Pemberian Kredit

.994

1.006

Resiko Kredit

.994

1.006

Hasil Uji Autokorelasi
DurbinModel
1

Watson
1.140

Hasil Uji Heteroskedastisitas

Universitas Sumatera Utara

Uji Signifikansi Simultan (Uji F)
ANOVAb
Model
1

Sum of Squares

df

Mean Square

F

Sig.

Regression

18.009

2

9.005

6.214

.006a

Residual

36.226

25

1.449

Total

54.235

27

a. Predictors: (Constant), Resiko Kredit, Pemberian Kredit
b. Dependent Variable: Profitabilitas

Uji Signifikansi Koefisien Regresi Parsial Secara Individu
Standardized
Unstandardized Coefficients
Model
1

B

(Constant)
Pemberian Kredit
Resiko Kredit

Std. Error
6.155

2.296

-1.518

.668

1.165E-6

.000

Coefficients
Beta

T

Sig.

2.681

.013

-.373

-2.272

.032

.411

2.509

.019

Hasil Koefisien Determinasi
Mod

Adjusted R

el

R

1

.576a

R Square
.332

Square
.279

Universitas Sumatera Utara