Pengaruh Kinerja Keuangan Terhadap Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah di Indonesia
LAMPIRAN 1
Data CAR, BOPO, FDR danTingkat Bagi Hasil Deposito Mudharabah pada
Bank Umum Syariah Periode 2011 – 2014
Keterangan
BNI 2011
MEGA 2011
MUAMALAT 2011
MANDIRI 2011
BCA 2011
BRI 2011
PANIN 2011
BUKOPIN 2011
BNI 2012
MEGA 2012
MUAMALAT 2012
MANDIRI 2012
BCA 2012
BRI 2012
PANIN 2012
BUKOPIN 2012
BNI 2013
MEGA 2013
MUAMALAT 2013
MANDIRI 2013
BCA 2013
BRI 2013
PANIN 2013
BUKOPIN 2013
BNI 2014
MEGA 2014
MUAMALAT 2014
MANDIRI 2014
BCA 2014
BRI 2014
PANIN 2014
BUKOPIN 2014
X1
CAR
20.75
12.03
12.01
14.70
45.94
14.74
61.98
15.29
19.29
13.51
11.70
13.88
31.47
47.54
32.20
12.78
16.54
12.99
14.07
14.12
22.35
14.49
20.83
11.10
18.76
19.26
14.22
14.81
29.57
12.89
25.69
15.85
X2
BOPO
87.86
90.8
85.52
76.44
91.72
99.25
74.31
93.86
85.39
77.28
84.49
73.00
90.87
86.63
47.70
91.59
83.94
86.09
93.86
84.03
86.91
83.82
81.31
92.29
85.03
97.61
97.33
56.54
88.11
99.14
68.47
96.73
X3
FDR
78.6
83.08
83.94
86.03
78.84
90.55
162.97
83.66
84.99
88.88
94.15
94.4
79.91
103.07
105.66
92.29
97.86
93.37
99.99
89.37
83.48
102.70
90.40
100.29
92.58
93.61
84.15
82.13
91.17
93.90
94.04
92.89
Y
TBH DM
7.00
5.74
6.13
5.19
5.92
8.17
6.75
5.94
7.48
5.09
5.20
5.69
5.57
7.45
5.16
7.27
5.88
5.04
5.44
5.00
5.43
6.51
4.72
6.00
6.14
4.67
6.00
4.67
5.41
7.04
5.48
6.29
61
Universitas Sumatera Utara
LAMPIRAN 2
Hasil Statistik Deskriptif dari CAR, BOPO, FDR, TBHDM
Descriptive Statistics
N
Capital Adequacy Ratio(X1)
BiayaOperasionalatasPendap
atanOperasional(X2)
Financing to Deposit
Ratio(X3)
Tingkat
BagiHasilDepositoMudharaba
h(Y)
Valid N (listwise)
Minimum
Maximum
Mean
Std. Deviation
32
32
11.10
47.70
61.98
99.25
20.5422
84.9350
11.87626
11.53827
32
78.60
162.97
92.9047
14.67534
32
4.67
8.17
5.9209
.89797
32
62
Universitas Sumatera Utara
LAMPIRAN 3
Hasil Uji Asumsi Klasik
a. UjiNormalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
a,,b
Normal Parameters
Most Extreme Differences
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
Mean
Std. Deviation
Absolute
Positive
Negative
32
.0000000
.78146584
.126
.126
-.081
.713
.689
a. Test distribution is Normal.
b. Calculated from data.
63
Universitas Sumatera Utara
b. UjiMultikolinearitas
Collinearity
Statistics
Model
Tolerance VIF
1 (Constant)
Capital Aduaquacy Ratio(X1)
.681 1.468
BiayaOperasionalterhadapPenghasilanOperasional(X2)
.934 1.070
Financing to Deposit Ratio(X3)
.674 1.483
c. UjiHeteroskedastisitas
64
Universitas Sumatera Utara
d. UjiAutokorelasi
Model
1
Durbin-Watson
2.111
65
Universitas Sumatera Utara
LAMPIRAN 4
Hasil Uji Hipotesis
a. KoefisienDeterminasi
b
Model Summary
Model
R
1
.493
Adjusted R
Std. Error of the
Square
Estimate
R Square
a
.243
.162
Durbin-Watson
.82227
2.111
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
b. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
b
ANOVA
Model
1
Sum of Squares
Regression
Df
Mean Square
F
6.066
3
2.022
Residual
18.931
28
.676
Total
24.997
31
2.990
Sig.
.048
a
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
b. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
b. Uji F
b
ANOVA
Model
1
Sum of Squares
Regression
Df
Mean Square
F
6.066
3
2.022
Residual
18.931
28
.676
Total
24.997
31
2.990
Sig.
.048
a
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
66
Universitas Sumatera Utara
c. Uji t
Coefficients
a
Standardize
Unstandardize
d
d Coefficients Coefficients
Model
1 (Constant)
B
Std.
Error
Beta
t
1.511 1.656
Capital Adequacy Ratio(X1)
Collinearity
Statistics
Sig.
Toleranc
e
VIF
.913 .36
9
.015
.169
847 404
.681 1.46
8
013
BiayaOperasionalatasPendapatanOperasional(
X2)
.037
.013
.470 .276 010
1
.934 1.07
0
Financing to Deposit Ratio(X3)
.011
.012
.183 .915 .36
8
.674 1.48
3
a. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
67
Universitas Sumatera Utara
LAMPIRAN 5
Tabel Distribusi �
Tingkat Signifikansi
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
df1
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
df2
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
F Tabel
3.027998
3.008787
2.991241
2.975154
2.960351
2.946685
2.93403
2.922277
2.911334
2.90112
2.891564
2.882604
2.874187
2.866266
2.858796
2.851741
2.845068
2.838745
2.832747
2.827049
2.821628
2.816466
68
Universitas Sumatera Utara
LAMPIRAN 6
DerajatBebas
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Tabel Distribusi �
Tingkat Signifikansi
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
T Tabel
2.073873
2.068658
2.063899
2.059539
2.055529
2.05183
2.048407
2.04523
2.042272
2.039513
2.036933
2.034515
2.032244
2.030108
2.028094
2.026192
2.024394
2.022691
2.021075
2.019541
2.018082
2.016692
2.015368
2.014103
2.012896
2.01174
2.010635
2.009575
2.008559
69
Universitas Sumatera Utara
Data CAR, BOPO, FDR danTingkat Bagi Hasil Deposito Mudharabah pada
Bank Umum Syariah Periode 2011 – 2014
Keterangan
BNI 2011
MEGA 2011
MUAMALAT 2011
MANDIRI 2011
BCA 2011
BRI 2011
PANIN 2011
BUKOPIN 2011
BNI 2012
MEGA 2012
MUAMALAT 2012
MANDIRI 2012
BCA 2012
BRI 2012
PANIN 2012
BUKOPIN 2012
BNI 2013
MEGA 2013
MUAMALAT 2013
MANDIRI 2013
BCA 2013
BRI 2013
PANIN 2013
BUKOPIN 2013
BNI 2014
MEGA 2014
MUAMALAT 2014
MANDIRI 2014
BCA 2014
BRI 2014
PANIN 2014
BUKOPIN 2014
X1
CAR
20.75
12.03
12.01
14.70
45.94
14.74
61.98
15.29
19.29
13.51
11.70
13.88
31.47
47.54
32.20
12.78
16.54
12.99
14.07
14.12
22.35
14.49
20.83
11.10
18.76
19.26
14.22
14.81
29.57
12.89
25.69
15.85
X2
BOPO
87.86
90.8
85.52
76.44
91.72
99.25
74.31
93.86
85.39
77.28
84.49
73.00
90.87
86.63
47.70
91.59
83.94
86.09
93.86
84.03
86.91
83.82
81.31
92.29
85.03
97.61
97.33
56.54
88.11
99.14
68.47
96.73
X3
FDR
78.6
83.08
83.94
86.03
78.84
90.55
162.97
83.66
84.99
88.88
94.15
94.4
79.91
103.07
105.66
92.29
97.86
93.37
99.99
89.37
83.48
102.70
90.40
100.29
92.58
93.61
84.15
82.13
91.17
93.90
94.04
92.89
Y
TBH DM
7.00
5.74
6.13
5.19
5.92
8.17
6.75
5.94
7.48
5.09
5.20
5.69
5.57
7.45
5.16
7.27
5.88
5.04
5.44
5.00
5.43
6.51
4.72
6.00
6.14
4.67
6.00
4.67
5.41
7.04
5.48
6.29
61
Universitas Sumatera Utara
LAMPIRAN 2
Hasil Statistik Deskriptif dari CAR, BOPO, FDR, TBHDM
Descriptive Statistics
N
Capital Adequacy Ratio(X1)
BiayaOperasionalatasPendap
atanOperasional(X2)
Financing to Deposit
Ratio(X3)
Tingkat
BagiHasilDepositoMudharaba
h(Y)
Valid N (listwise)
Minimum
Maximum
Mean
Std. Deviation
32
32
11.10
47.70
61.98
99.25
20.5422
84.9350
11.87626
11.53827
32
78.60
162.97
92.9047
14.67534
32
4.67
8.17
5.9209
.89797
32
62
Universitas Sumatera Utara
LAMPIRAN 3
Hasil Uji Asumsi Klasik
a. UjiNormalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
a,,b
Normal Parameters
Most Extreme Differences
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
Mean
Std. Deviation
Absolute
Positive
Negative
32
.0000000
.78146584
.126
.126
-.081
.713
.689
a. Test distribution is Normal.
b. Calculated from data.
63
Universitas Sumatera Utara
b. UjiMultikolinearitas
Collinearity
Statistics
Model
Tolerance VIF
1 (Constant)
Capital Aduaquacy Ratio(X1)
.681 1.468
BiayaOperasionalterhadapPenghasilanOperasional(X2)
.934 1.070
Financing to Deposit Ratio(X3)
.674 1.483
c. UjiHeteroskedastisitas
64
Universitas Sumatera Utara
d. UjiAutokorelasi
Model
1
Durbin-Watson
2.111
65
Universitas Sumatera Utara
LAMPIRAN 4
Hasil Uji Hipotesis
a. KoefisienDeterminasi
b
Model Summary
Model
R
1
.493
Adjusted R
Std. Error of the
Square
Estimate
R Square
a
.243
.162
Durbin-Watson
.82227
2.111
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
b. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
b
ANOVA
Model
1
Sum of Squares
Regression
Df
Mean Square
F
6.066
3
2.022
Residual
18.931
28
.676
Total
24.997
31
2.990
Sig.
.048
a
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
b. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
b. Uji F
b
ANOVA
Model
1
Sum of Squares
Regression
Df
Mean Square
F
6.066
3
2.022
Residual
18.931
28
.676
Total
24.997
31
2.990
Sig.
.048
a
a. Predictors: (Constant), Financing to Deposit Ratio(X3), Capital Adequacy Ratio(X1),
BiayaOperasionalterhadapPenghasilanOperasional(X2)
Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
66
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c. Uji t
Coefficients
a
Standardize
Unstandardize
d
d Coefficients Coefficients
Model
1 (Constant)
B
Std.
Error
Beta
t
1.511 1.656
Capital Adequacy Ratio(X1)
Collinearity
Statistics
Sig.
Toleranc
e
VIF
.913 .36
9
.015
.169
847 404
.681 1.46
8
013
BiayaOperasionalatasPendapatanOperasional(
X2)
.037
.013
.470 .276 010
1
.934 1.07
0
Financing to Deposit Ratio(X3)
.011
.012
.183 .915 .36
8
.674 1.48
3
a. Dependent Variable: Tingkat BagiHasilDepositoMudharabah(Y)
67
Universitas Sumatera Utara
LAMPIRAN 5
Tabel Distribusi �
Tingkat Signifikansi
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
df1
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
df2
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
F Tabel
3.027998
3.008787
2.991241
2.975154
2.960351
2.946685
2.93403
2.922277
2.911334
2.90112
2.891564
2.882604
2.874187
2.866266
2.858796
2.851741
2.845068
2.838745
2.832747
2.827049
2.821628
2.816466
68
Universitas Sumatera Utara
LAMPIRAN 6
DerajatBebas
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Tabel Distribusi �
Tingkat Signifikansi
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
0.05
T Tabel
2.073873
2.068658
2.063899
2.059539
2.055529
2.05183
2.048407
2.04523
2.042272
2.039513
2.036933
2.034515
2.032244
2.030108
2.028094
2.026192
2.024394
2.022691
2.021075
2.019541
2.018082
2.016692
2.015368
2.014103
2.012896
2.01174
2.010635
2.009575
2.008559
69
Universitas Sumatera Utara