Analisis Pengaruh Kebijakan Perkreditan Terhadap Tingkat Permintaan Kredit Pada Bank Bumn Di Sumatera Utara (Studi Kasus Pada PT. Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam)
Lampiran 1 Daftar Pertanyaan
ANALISIS PENGARUH KEBIJAKAN PERKREDITAN
TERHADAP TINGKAT PERMINTAAN KREDIT
PADA BANK BUMN DI SUMATERA UTARA
(STUDI KASUS PADA PT. BANK RAKYAT INDONESIA (PERSERO)
CABANG LUBUK PAKAM)
A. Identitas Responden
1. Nomor Responden
:
2. Nama debitur/calon debitur
:
3. Nama badan usaha
:
4. Lokasi/alamat
:
5. Jenis Usaha
:
6. Jumlah Kredit
:
7. Suku Bunga
:
B. Petunjuk Pengisian
Kuesioner dibawah ini berisi pertanyaan tentang bagaimana persepsi
debitur/calon debitur terhadap standar operasional perkreditan bank. Pada masingmasing bagian terdapat beberapa pertanyaan dengan lima pilihan jawaban. Dalam
kuesioner ini tidak ada jawaban yang benar atau salah, pilihlah jawaban yang
paling sesuai dengan pendapat anda dengan cara memberikan tanda silang (X)
pada huruf pilihan anda, dengan jawaban pilihan:
a. = Nilai 5
b. = Nilai 4
c. = Nilai 3
d. = Nilai 2
e. = Nilai 1
Universitas Sumatera Utara
C. Kebijakan Kredit
1. Menurut Bapak/ibu apakah suku bunga kredit yang ditetapkan oleh PT.
Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sudah sesuai
dengan harapan Bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
2. Menurut Bapak/ibu apakah tingkat suku bunga yang berlaku saat ini sudah
dapat membantu sektor mikro, kecil, dan menengah (UMKM) dalam
mengembangkan usahanya?
a. Sangat Membantu(5) b.Sudah Membantu(4) c. Cukup Membantu (3)
d. Belum Membantu(2)
e. Tidak Berpengaruh (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
3. Menurut Bapak/ibu apakah plafond kredit yang ditetapkan oleh PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
bidang usaha bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Menurut Bapak/ibu apakah ketentuan jaminan yang ditetapkan PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
besarnya kredit yang bapak/ibu ajukan?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
Universitas Sumatera Utara
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
5. Menurut Bapak/ibu apakah lama waktu kredit yang ditetapkan PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
kebutuhan bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
6. Menurut Bapak/ibu apakah kebijakan pemerintah di bidang moneter
khususnya perkreditan sudah berpihak pada usaha sektor mikro, kecil, dan
menengah (UMKM)?
a. Sangat berpihak (5)
b. Sudah berpihak (4)
d. Tidak berpihak (2)
c. Belum berpihak (3)
e. Sangat tidak berpihak (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
D. Persepsi Standar Operasional
1. Menurut Bapak/ibu bagaimana kondisi fasilitas kredit yang disediakan
oleh Bank Pemerintah khususnya PT.Bank Rakyat Indonesia (Persero)
Tbk Cabang Lubuk Pakam saat ini?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk(1)
Jelaskan:..............................................................................................................
..............................................................................................................................
Universitas Sumatera Utara
2. Menurut Bapak/ibu bagaimana kemudahan dalam memperoleh fasilitas
kredit pada PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk
Pakam?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat sulit (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
3. Bagaimana tanggapan Bapak/ibu mengenai lama waktu mulai dari
pengajuan permohonan kredit sampai dengan pencairan kredit?
a. Sangat cepat(5)
b. Cepat (4)
c. Cukup cepat (3)
d. Lambat (2)
e. Sangat lambat(1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Menurut Bapak/ibu bagaimana hasil penilaian (apprasial) yang dilakukan
oleh petugas Bank sebelum persetujuan kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
5. Menurut Bapak/ibu apakah besarnya nilai jaminan telah sesuai dengan
jumlah kredit yang dikeluarkan Bank?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
Universitas Sumatera Utara
..............................................................................................................................
6. Bagaimana tanggapan Bapak/ibu terhadap besarnya biaya provisi dan
administrasi kredit yang ditentukan oleh Bank dalam persyaratan kredit?
a. Sangat rendah (5)
b. Rendah (4)
d. Tinggi (2)
e. Sangat tinggi (1)
c. Cukup tinggi (3)
Jelaskan:...............................................................................................................
..............................................................................................................................
7. Bagaimana pengawasan yang dilakukan oleh Bank setelah Bapak/ibu
memperoleh kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
E. Pelayanan Kredit Bank
1. Bagaimana
dengan pelayanan Bank kepada Bapak/ibu mulai dari
pengajuan permohonan kredit hingga proses persetujuan kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
2. Bagaimana pelayanan pihak bank terhadap Bapak/ibu dalam mengangsur
kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
Universitas Sumatera Utara
..............................................................................................................................
3. Bagaimana pelayananan pihak bank terhadap bapak/ibu dalam pelunasan
kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Apakah Bapak/ibu cukup puas dengan pelayanan bank dalam hal kredit?
a. Sangat puas (5)
b. Puas (4)
c. Cukup puas (3)
d. Tidak Puas (2)
e. Sangat tidak puas (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
Universitas Sumatera Utara
Lampiran 2. Uji Validitas Jumlah Kredit
RELIABILITY
/VARIABLES=X1.1 X1.2 X1.3 X1.4 X1.5
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
18-Jul-2012 08:45:37
Comments
Input
Missing Value
Handling
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Matrix Input
Definition of Missing
DataSet1
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=X1.1 X1.2
X1.3 X1.4 X1.5
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Syntax
Resources
30
User-defined missing values are
treated as missing.
Processor Time
00:00:00.031
Elapsed Time
00:00:00.016
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.737
5
Item Statistics
Mean
Kesesuaian plafond kredit
kebutuhan
Suku bunga
Suku bunga dapat
membantu pengembangan
usaha
Jangka waktu kredit
Kesesuaian plafond
dengan jaminan
Std. Deviation
N
4.30
.466
30
4.27
.450
30
4.37
.490
30
4.20
.551
30
4.47
.571
30
Universitas Sumatera Utara
Item-Total Statistics
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Kesesuaian plafond
kredit kebutuhan
17.30
2.217
.512
.688
Suku bunga
17.33
2.092
.654
.640
17.23
2.323
.389
.731
17.40
2.041
.508
.689
17.13
2.051
.469
.707
Suku bunga dapat
membantu
pengembangan usaha
Jangka waktu kredit
Kesesuaian plafond
dengan jaminan
Scale Statistics
Mean
21.60
Variance Std. Deviation N of Items
3.145
1.773
5
Universitas Sumatera Utara
Lampiran 3. Uji Validitas Persepsi SOP
RELIABILITY
/VARIABLES=X2.1 X2.2 X2.3 X2.4 X2.5 X2.6
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
18-Jul-2012 08:55:32
Comments
Input
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
Active Dataset
DataSet1
Filter
Weight
Split File
N of Rows in Working
Data File
30
Matrix Input
Missing Value
Handling
Definition of Missing
User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
Syntax
Resources
RELIABILITY
/VARIABLES=X2.1 X2.2 X2.3
X2.4 X2.5 X2.6
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
00:00:00.047
Elapsed Time
00:00:00.031
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.785
6
Item Statistics
Mean
Penilaian (appraisal)
petugas bank
Kemudahan persyaratan
Proses tidak berbeli-belit
Biaya administrasi dan
provisi tidak memberatkan
Pengawasan penyaluran
kredit cukup baik
Pembinaan nasabah
penerima kredit
Std. Deviation
N
4.37
.490
30
4.27
4.50
.640
.572
30
30
4.57
.504
30
4.50
.509
30
4.47
.507
30
Item-Total Statistics
Universitas Sumatera Utara
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Penilaian (appraisal)
petugas bank
Kemudahan
persyaratan
Proses tidak berbelibelit
Biaya administrasi dan
provisi tidak
memberatkan
Pengawasan
penyaluran kredit
cukup baik
Pembinaan nasabah
penerima kredit
22.30
4.010
.411
.780
22.40
3.490
.485
.771
22.17
3.523
.562
.746
22.10
3.403
.753
.702
22.17
3.592
.626
.732
22.20
3.959
.417
.780
Scale Statistics
Mean
26.67
Variance Std. Deviation N of Items
5.057
2.249
6
Universitas Sumatera Utara
Lampiran 4. Uji Validitas Pelayanan Kredit Bank
RELIABILITY
/VARIABLES=X3.1 X3.2 X3.3 X3.4
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
Comments
Input
Missing Value
Handling
Syntax
Resources
18-Jul-2012 09:11:44
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
DataSet1
Active Dataset
Filter
Weight
Split File
N of Rows in Working
30
Data File
Matrix Input
Definition of Missing User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=X3.1 X3.2
X3.3 X3.4
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
Elapsed Time
00:00:00.016
00:00:00.016
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.770
4
Item Statistics
Mean
Pelayanan saat pengajuan
kredit
Pelayanan saat
pembayaran cicilan
Pelayanan bila terjadi
keterlambatan
pembayaran cicilan
Pelayanan saat pelunasan
kredit
Std. Deviation
N
4.33
.606
30
4.33
.479
30
4.60
.498
30
4.67
.479
30
Item-Total Statistics
Universitas Sumatera Utara
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Pelayanan saat
pengajuan kredit
Pelayanan saat
pembayaran cicilan
Pelayanan bila terjadi
keterlambatan
pembayaran cicilan
Pelayanan saat
pelunasan kredit
13.60
1.490
.466
.787
13.60
1.697
.497
.752
13.33
1.471
.685
.656
13.27
1.513
.682
.661
Scale Statistics
Mean
17.93
Variance Std. Deviation N of Items
2.547
1.596
4
Universitas Sumatera Utara
Lampiran 5. Uji Validitas Permintaan Kredit
RELIABILITY
/VARIABLES=Y1.1 Y1.2 Y1.3 Y1.4
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
Comments
Input
Missing Value
Handling
Syntax
Resources
18-Jul-2012 09:27:56
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
DataSet1
Active Dataset
Filter
Weight
Split File
N of Rows in Working
30
Data File
Matrix Input
Definition of Missing User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=Y1.1 Y1.2
Y1.3 Y1.4
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
Elapsed Time
00:00:00.015
00:00:00.015
[DataSet1] D:\JOHN R.SIHITE\BAHENSA PALAR PURBA BRI\DATA VALI
DITAS.sav
Universitas Sumatera Utara
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.806
4
Item Statistics
Mean
Std. Deviation
N
Merasa puas akan jumlah
kredit yang diterima
4.47
.507
30
Merasa puas dengan
jaminan yang diserahkan
4.37
.490
30
Merasa puas menjadi
mitra BRI
4.40
.498
30
Berniat mengajukan kredit
kembali bila ada
kebutuhan pembiayaan
4.40
.498
30
Universitas Sumatera Utara
Item-Total Statistics
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Merasa puas akan
jumlah kredit yang
diterima
Merasa puas dengan
jaminan yang
diserahkan
Merasa puas menjadi
mitra BRI
Berniat mengajukan
kredit kembali bila ada
kebutuhan pembiayaan
13.17
1.730
.396
.861
13.27
1.375
.784
.677
13.23
1.289
.866
.632
13.23
1.633
.498
.815
Scale Statistics
Mean
17.63
Variance Std. Deviation N of Items
2.516
1.586
4
Universitas Sumatera Utara
Lampiran 6. Hasil Kolmogorov-Smirnov
NPAR TESTS
/K-S(NORMAL)=RES_1
/MISSING ANALYSIS.
NPar Tests
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
One-Sample Kolmogorov-Smirnov Test
Unstandardiz
ed Residual
N
Normal Parameters
78
a
Mean
Std. Deviation
Most Extreme
Differences
.0000000
.45405088
Absolute
.142
Positive
.063
Negative
-.142
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
1.251
.088
a. Test distribution is Normal.
Universitas Sumatera Utara
Lampiran 7. Uji Heteroskedastisitas
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
Regression
Notes
Output Created
Comments
Input
18-Jul-2012 12:32:08
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
Syntax
Resources
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with
no missing values for any variable
used.
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
00:00:00.015
00:00:00.907
1988 bytes
0 bytes
Universitas Sumatera Utara
Notes
Output Created
Comments
Input
18-Jul-2012 12:32:08
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
Syntax
Resources
Variables Created or
Modified
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
RES_2
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with
no missing values for any variable
used.
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
00:00:00.015
00:00:00.907
1988 bytes
0 bytes
Unstandardized Residual
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
Variables Entered/Removedb
Model
1
Variables
Entered
Pelayanan
Kredit,
Persepsi SOP,
Jumlah Kredita
Variables
Removed
Method
. Enter
Universitas Sumatera Utara
Variables Entered/Removedb
Model
Variables
Entered
Variables
Removed
Pelayanan
Kredit,
Persepsi SOP,
Jumlah Kredita
a. All requested variables entered.
b. Dependent Variable: absolute
Method
1
. Enter
Universitas Sumatera Utara
Model Summaryb
Model
R
Adjusted R
Square
R Square
Std. Error of
the Estimate
1
.141a
.020
-.020
.30439
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP,
Jumlah Kredit
b. Dependent Variable: absolute
ANOVAb
Model
1
Sum of Squares
Regression
Residual
Mean
Square
df
.139
3
6.856
74
F
Sig.
.046 .501 .683a
.093
Total
6.996
77
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP,
Jumlah Kredit
b. Dependent Variable: absolute
Coefficientsa
Unstandardized
Coefficients
Model
1
B
(Constant)
Standardized
Coefficients
Std. Error
Beta
t
Sig.
.046
1.008
.045 .964
Jumlah Kredit
-.020
.032
-.074 -.621 .536
Persepsi SOP
.004
.029
.016 .138 .890
.036
.032
.133
Pelayanan
Kredit
a. Dependent Variable: absolute
1.11
.267
8
Residuals Statisticsa
Minimum Maximum Mean Std. Deviation
Predicted Value
Residual
.2539
-.36764
.4405
N
.3374
.04253
78
1.17232 .00000
.29840
78
Std. Predicted Value
-1.964
2.425
.000
1.000
78
Std. Residual
-1.208
3.851
.000
.980
78
a. Dependent Variable: absolute
Universitas Sumatera Utara
Lampiran 8. Hasil Regresi Linier
REGRESSION
/DESCRIPTIVES MEAN STDDEV CORR SIG N
/MISSING LISTWISE
/STATISTICS COEFF OUTS R ANOVA COLLIN TOL CHANGE ZPP
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT Y
/METHOD=ENTER X1 X2 X3
/SCATTERPLOT=(*SRESID ,*ZPRED)
/RESIDUALS DURBIN HIST(ZRESID) NORM(ZRESID).
Regression
Notes
Output Created
Comments
Input
18-Jul-2012 11:34:52
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with no
missing values for any variable
used.
Universitas Sumatera Utara
Syntax
Resources
REGRESSION
/DESCRIPTIVES MEAN
STDDEV CORR SIG N
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA COLLIN TOL CHANGE
ZPP
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT Y
/METHOD=ENTER X1 X2 X3
/SCATTERPLOT=(*SRESID
,*ZPRED)
/RESIDUALS DURBIN
HIST(ZRESID) NORM(ZRESID).
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
00:00:01.344
00:00:02.359
1948 bytes
896 bytes
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
Universitas Sumatera Utara
Descriptive Statistics
Mean
Permintaan Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
Std. Deviation
18.35
22.90
27.24
17.81
N
.895
1.123
1.250
1.117
78
78
78
78
Correlations
Permintaan
Kredit
Pearson
Correlation
Sig. (1-tailed)
N
Permintaan
Kredit
Jumlah
Kredit
Persepsi SOP
Pelayanan
Kredit
1.000
.462
.318
.543
Jumlah Kredit
.462
1.000
.184
.191
Persepsi SOP
.318
.184
1.000
.183
Pelayanan Kredit
Permintaan
Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
Permintaan
Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
.543
.191
.183
1.000
.
.000
.002
.000
.000
.002
.000
.
.053
.047
.053
.
.055
.047
.055
.
78
78
78
78
78
78
78
78
78
78
78
78
78
78
78
78
Variables Entered/Removedb
Model
Variables
Entered
Variables
Removed
Method
1
Pelayanan
Kredit,
. Enter
Persepsi SOP,
Jumlah Kredita
a. All requested variables entered.
b. Dependent Variable: Permintaan Kredit
Model Summaryb
Mod R
R
Adjusted Std. Error
Change Statistics
Durbin
Universitas Sumatera Utara
el
Squar R Square
e
1
.862
a
.743
of the
Estimate
.732
R
F
Sig. F
Square Chang df df Chan Watso
Change
e
1 2 ge
n
.463
.743 71.135
3 74
.000 1.829
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit
b. Dependent Variable: Permintaan Kredit
ANOVAb
Sum of
Squares
Model
1
Mean
Square
df
Regression
45.779
3
Residual
15.874
74
F
Sig.
15.260 71.135
.000a
.215
Total
61.654
77
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah
Kredit
b. Dependent Variable: Permintaan Kredit
Coefficientsa
Standardi
zed
Unstandardize Coefficie
d Coefficients
nts
Model
1
(Constant)
B
Std.
Error
Beta
11.91
1.534
9
Correlations
t
Collinearity
Statistics
Zero- Parti
Tolera
Sig. order al Part nce VIF
7.76
.000
9
Jumlah
Kredit
.425
.048
.533
8.76
.000
3
.462 .714 .517
.940
1.0
63
Persepsi
SOP
.250
.043
.350
5.75
.000
5
.318 .556 .339
.943
1.0
60
.049
.709
11.6
.000
56
.543 .805 .688
.941
1.0
63
Pelayanan
.568
Kredit
a. Dependent Variable:
Permintaan Kredit
Collinearity Diagnosticsa
Mode Dime Eigenval Condition
Variance Proportions
Universitas Sumatera Utara
l
nsion
ue
Index
(Constan
t)
Jumlah
Kredit
1
1
3.995
1.000
.00
.00
.00
.00
2
.003
37.616
.01
.10
.07
.95
3
.002
46.854
.00
.64
.50
.00
.26
.43
.04
4
.001
68.818
.98
a. Dependent Variable: Permintaan Kredit
Residuals Statisticsa
Minimu
m
Maximum Mean
Predicted Value
16.55
20.03
Std. Predicted Value
2.326
2.183
Standard Error of
.055
.165
Predicted Value
Adjusted Predicted
16.51
20.03
Value
Residual
1.462
1.070
Std. Residual
3.157
2.309
Stud. Residual
3.223
2.370
Deleted Residual
1.524
1.126
Stud. Deleted Residual
3.453
2.449
Mahal. Distance
.092
8.840
Cook's Distance
.000
.111
Centered Leverage
.001
.115
Value
a. Dependent Variable: Permintaan Kredit
Persepsi
SOP
Std.
Deviation
Pelayanan
Kredit
N
18.35
.000
.771
1.000
78
78
.101
.028
78
18.35
.770
78
.000
.000
.001
.001
.002
2.962
.012
.454
.980
1.003
.476
1.025
2.140
.021
78
78
78
78
78
78
78
.038
.028
78
Charts
Universitas Sumatera Utara
Universitas Sumatera Utara
Data Penelitian
Universitas Sumatera Utara
Lanjutan
Universitas Sumatera Utara
Lanjutan
Universitas Sumatera Utara
ANALISIS PENGARUH KEBIJAKAN PERKREDITAN
TERHADAP TINGKAT PERMINTAAN KREDIT
PADA BANK BUMN DI SUMATERA UTARA
(STUDI KASUS PADA PT. BANK RAKYAT INDONESIA (PERSERO)
CABANG LUBUK PAKAM)
A. Identitas Responden
1. Nomor Responden
:
2. Nama debitur/calon debitur
:
3. Nama badan usaha
:
4. Lokasi/alamat
:
5. Jenis Usaha
:
6. Jumlah Kredit
:
7. Suku Bunga
:
B. Petunjuk Pengisian
Kuesioner dibawah ini berisi pertanyaan tentang bagaimana persepsi
debitur/calon debitur terhadap standar operasional perkreditan bank. Pada masingmasing bagian terdapat beberapa pertanyaan dengan lima pilihan jawaban. Dalam
kuesioner ini tidak ada jawaban yang benar atau salah, pilihlah jawaban yang
paling sesuai dengan pendapat anda dengan cara memberikan tanda silang (X)
pada huruf pilihan anda, dengan jawaban pilihan:
a. = Nilai 5
b. = Nilai 4
c. = Nilai 3
d. = Nilai 2
e. = Nilai 1
Universitas Sumatera Utara
C. Kebijakan Kredit
1. Menurut Bapak/ibu apakah suku bunga kredit yang ditetapkan oleh PT.
Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sudah sesuai
dengan harapan Bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
2. Menurut Bapak/ibu apakah tingkat suku bunga yang berlaku saat ini sudah
dapat membantu sektor mikro, kecil, dan menengah (UMKM) dalam
mengembangkan usahanya?
a. Sangat Membantu(5) b.Sudah Membantu(4) c. Cukup Membantu (3)
d. Belum Membantu(2)
e. Tidak Berpengaruh (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
3. Menurut Bapak/ibu apakah plafond kredit yang ditetapkan oleh PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
bidang usaha bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Menurut Bapak/ibu apakah ketentuan jaminan yang ditetapkan PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
besarnya kredit yang bapak/ibu ajukan?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
Universitas Sumatera Utara
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
5. Menurut Bapak/ibu apakah lama waktu kredit yang ditetapkan PT.Bank
Rakyat Indonesia (Persero) Tbk Cabang Lubuk Pakam sesuai dengan
kebutuhan bapak/ibu?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
6. Menurut Bapak/ibu apakah kebijakan pemerintah di bidang moneter
khususnya perkreditan sudah berpihak pada usaha sektor mikro, kecil, dan
menengah (UMKM)?
a. Sangat berpihak (5)
b. Sudah berpihak (4)
d. Tidak berpihak (2)
c. Belum berpihak (3)
e. Sangat tidak berpihak (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
D. Persepsi Standar Operasional
1. Menurut Bapak/ibu bagaimana kondisi fasilitas kredit yang disediakan
oleh Bank Pemerintah khususnya PT.Bank Rakyat Indonesia (Persero)
Tbk Cabang Lubuk Pakam saat ini?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk(1)
Jelaskan:..............................................................................................................
..............................................................................................................................
Universitas Sumatera Utara
2. Menurut Bapak/ibu bagaimana kemudahan dalam memperoleh fasilitas
kredit pada PT.Bank Rakyat Indonesia (Persero) Tbk Cabang Lubuk
Pakam?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat sulit (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
3. Bagaimana tanggapan Bapak/ibu mengenai lama waktu mulai dari
pengajuan permohonan kredit sampai dengan pencairan kredit?
a. Sangat cepat(5)
b. Cepat (4)
c. Cukup cepat (3)
d. Lambat (2)
e. Sangat lambat(1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Menurut Bapak/ibu bagaimana hasil penilaian (apprasial) yang dilakukan
oleh petugas Bank sebelum persetujuan kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
5. Menurut Bapak/ibu apakah besarnya nilai jaminan telah sesuai dengan
jumlah kredit yang dikeluarkan Bank?
a. Sangat Sesuai (5)
b. Sesuai (4)
c. Cukup sesuai (3)
d. Tidak Sesuai (2)
e. Sangat tidak sesuai (1)
Jelaskan:...............................................................................................................
Universitas Sumatera Utara
..............................................................................................................................
6. Bagaimana tanggapan Bapak/ibu terhadap besarnya biaya provisi dan
administrasi kredit yang ditentukan oleh Bank dalam persyaratan kredit?
a. Sangat rendah (5)
b. Rendah (4)
d. Tinggi (2)
e. Sangat tinggi (1)
c. Cukup tinggi (3)
Jelaskan:...............................................................................................................
..............................................................................................................................
7. Bagaimana pengawasan yang dilakukan oleh Bank setelah Bapak/ibu
memperoleh kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
E. Pelayanan Kredit Bank
1. Bagaimana
dengan pelayanan Bank kepada Bapak/ibu mulai dari
pengajuan permohonan kredit hingga proses persetujuan kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
2. Bagaimana pelayanan pihak bank terhadap Bapak/ibu dalam mengangsur
kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
Universitas Sumatera Utara
..............................................................................................................................
3. Bagaimana pelayananan pihak bank terhadap bapak/ibu dalam pelunasan
kredit?
a. Sangat baik (5)
b. Baik (4)
c. Cukup baik (3)
d. Buruk (2)
e. Sangat buruk (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
4. Apakah Bapak/ibu cukup puas dengan pelayanan bank dalam hal kredit?
a. Sangat puas (5)
b. Puas (4)
c. Cukup puas (3)
d. Tidak Puas (2)
e. Sangat tidak puas (1)
Jelaskan:...............................................................................................................
..............................................................................................................................
Universitas Sumatera Utara
Lampiran 2. Uji Validitas Jumlah Kredit
RELIABILITY
/VARIABLES=X1.1 X1.2 X1.3 X1.4 X1.5
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
18-Jul-2012 08:45:37
Comments
Input
Missing Value
Handling
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Matrix Input
Definition of Missing
DataSet1
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=X1.1 X1.2
X1.3 X1.4 X1.5
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Syntax
Resources
30
User-defined missing values are
treated as missing.
Processor Time
00:00:00.031
Elapsed Time
00:00:00.016
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.737
5
Item Statistics
Mean
Kesesuaian plafond kredit
kebutuhan
Suku bunga
Suku bunga dapat
membantu pengembangan
usaha
Jangka waktu kredit
Kesesuaian plafond
dengan jaminan
Std. Deviation
N
4.30
.466
30
4.27
.450
30
4.37
.490
30
4.20
.551
30
4.47
.571
30
Universitas Sumatera Utara
Item-Total Statistics
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Kesesuaian plafond
kredit kebutuhan
17.30
2.217
.512
.688
Suku bunga
17.33
2.092
.654
.640
17.23
2.323
.389
.731
17.40
2.041
.508
.689
17.13
2.051
.469
.707
Suku bunga dapat
membantu
pengembangan usaha
Jangka waktu kredit
Kesesuaian plafond
dengan jaminan
Scale Statistics
Mean
21.60
Variance Std. Deviation N of Items
3.145
1.773
5
Universitas Sumatera Utara
Lampiran 3. Uji Validitas Persepsi SOP
RELIABILITY
/VARIABLES=X2.1 X2.2 X2.3 X2.4 X2.5 X2.6
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
18-Jul-2012 08:55:32
Comments
Input
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
Active Dataset
DataSet1
Filter
Weight
Split File
N of Rows in Working
Data File
30
Matrix Input
Missing Value
Handling
Definition of Missing
User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
Syntax
Resources
RELIABILITY
/VARIABLES=X2.1 X2.2 X2.3
X2.4 X2.5 X2.6
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
00:00:00.047
Elapsed Time
00:00:00.031
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.785
6
Item Statistics
Mean
Penilaian (appraisal)
petugas bank
Kemudahan persyaratan
Proses tidak berbeli-belit
Biaya administrasi dan
provisi tidak memberatkan
Pengawasan penyaluran
kredit cukup baik
Pembinaan nasabah
penerima kredit
Std. Deviation
N
4.37
.490
30
4.27
4.50
.640
.572
30
30
4.57
.504
30
4.50
.509
30
4.47
.507
30
Item-Total Statistics
Universitas Sumatera Utara
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Penilaian (appraisal)
petugas bank
Kemudahan
persyaratan
Proses tidak berbelibelit
Biaya administrasi dan
provisi tidak
memberatkan
Pengawasan
penyaluran kredit
cukup baik
Pembinaan nasabah
penerima kredit
22.30
4.010
.411
.780
22.40
3.490
.485
.771
22.17
3.523
.562
.746
22.10
3.403
.753
.702
22.17
3.592
.626
.732
22.20
3.959
.417
.780
Scale Statistics
Mean
26.67
Variance Std. Deviation N of Items
5.057
2.249
6
Universitas Sumatera Utara
Lampiran 4. Uji Validitas Pelayanan Kredit Bank
RELIABILITY
/VARIABLES=X3.1 X3.2 X3.3 X3.4
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
Comments
Input
Missing Value
Handling
Syntax
Resources
18-Jul-2012 09:11:44
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
DataSet1
Active Dataset
Filter
Weight
Split File
N of Rows in Working
30
Data File
Matrix Input
Definition of Missing User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=X3.1 X3.2
X3.3 X3.4
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
Elapsed Time
00:00:00.016
00:00:00.016
Universitas Sumatera Utara
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA VALIDITAS.sav
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.770
4
Item Statistics
Mean
Pelayanan saat pengajuan
kredit
Pelayanan saat
pembayaran cicilan
Pelayanan bila terjadi
keterlambatan
pembayaran cicilan
Pelayanan saat pelunasan
kredit
Std. Deviation
N
4.33
.606
30
4.33
.479
30
4.60
.498
30
4.67
.479
30
Item-Total Statistics
Universitas Sumatera Utara
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Pelayanan saat
pengajuan kredit
Pelayanan saat
pembayaran cicilan
Pelayanan bila terjadi
keterlambatan
pembayaran cicilan
Pelayanan saat
pelunasan kredit
13.60
1.490
.466
.787
13.60
1.697
.497
.752
13.33
1.471
.685
.656
13.27
1.513
.682
.661
Scale Statistics
Mean
17.93
Variance Std. Deviation N of Items
2.547
1.596
4
Universitas Sumatera Utara
Lampiran 5. Uji Validitas Permintaan Kredit
RELIABILITY
/VARIABLES=Y1.1 Y1.2 Y1.3 Y1.4
/SCALE('ALL VARIABLES') ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE SCALE
/SUMMARY=TOTAL.
Reliability
Notes
Output Created
Comments
Input
Missing Value
Handling
Syntax
Resources
18-Jul-2012 09:27:56
Data
D:\BAHENSA PALAR PURBA
BRI\DATA VALIDITAS.sav
DataSet1
Active Dataset
Filter
Weight
Split File
N of Rows in Working
30
Data File
Matrix Input
Definition of Missing User-defined missing values are
treated as missing.
Cases Used
Statistics are based on all cases
with valid data for all variables
in the procedure.
RELIABILITY
/VARIABLES=Y1.1 Y1.2
Y1.3 Y1.4
/SCALE('ALL VARIABLES')
ALL
/MODEL=ALPHA
/STATISTICS=DESCRIPTIVE
SCALE
/SUMMARY=TOTAL.
Processor Time
Elapsed Time
00:00:00.015
00:00:00.015
[DataSet1] D:\JOHN R.SIHITE\BAHENSA PALAR PURBA BRI\DATA VALI
DITAS.sav
Universitas Sumatera Utara
Scale: ALL VARIABLES
Case Processing Summary
N
Cases
Valid
Excludeda
Total
%
30
100.0
0
.0
30
100.0
a. Listwise deletion based on all variables in
the procedure.
Reliability Statistics
Cronbach's
Alpha
N of Items
.806
4
Item Statistics
Mean
Std. Deviation
N
Merasa puas akan jumlah
kredit yang diterima
4.47
.507
30
Merasa puas dengan
jaminan yang diserahkan
4.37
.490
30
Merasa puas menjadi
mitra BRI
4.40
.498
30
Berniat mengajukan kredit
kembali bila ada
kebutuhan pembiayaan
4.40
.498
30
Universitas Sumatera Utara
Item-Total Statistics
Scale
Corrected
Cronbach's
Scale Mean if Variance if Item-Total Alpha if Item
Item Deleted Item Deleted Correlation
Deleted
Merasa puas akan
jumlah kredit yang
diterima
Merasa puas dengan
jaminan yang
diserahkan
Merasa puas menjadi
mitra BRI
Berniat mengajukan
kredit kembali bila ada
kebutuhan pembiayaan
13.17
1.730
.396
.861
13.27
1.375
.784
.677
13.23
1.289
.866
.632
13.23
1.633
.498
.815
Scale Statistics
Mean
17.63
Variance Std. Deviation N of Items
2.516
1.586
4
Universitas Sumatera Utara
Lampiran 6. Hasil Kolmogorov-Smirnov
NPAR TESTS
/K-S(NORMAL)=RES_1
/MISSING ANALYSIS.
NPar Tests
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
One-Sample Kolmogorov-Smirnov Test
Unstandardiz
ed Residual
N
Normal Parameters
78
a
Mean
Std. Deviation
Most Extreme
Differences
.0000000
.45405088
Absolute
.142
Positive
.063
Negative
-.142
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
1.251
.088
a. Test distribution is Normal.
Universitas Sumatera Utara
Lampiran 7. Uji Heteroskedastisitas
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
Regression
Notes
Output Created
Comments
Input
18-Jul-2012 12:32:08
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
Syntax
Resources
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with
no missing values for any variable
used.
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
00:00:00.015
00:00:00.907
1988 bytes
0 bytes
Universitas Sumatera Utara
Notes
Output Created
Comments
Input
18-Jul-2012 12:32:08
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
Syntax
Resources
Variables Created or
Modified
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
RES_2
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with
no missing values for any variable
used.
REGRESSION
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT absolut
/METHOD=ENTER X1 X2 X3
/SAVE RESID.
00:00:00.015
00:00:00.907
1988 bytes
0 bytes
Unstandardized Residual
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
Variables Entered/Removedb
Model
1
Variables
Entered
Pelayanan
Kredit,
Persepsi SOP,
Jumlah Kredita
Variables
Removed
Method
. Enter
Universitas Sumatera Utara
Variables Entered/Removedb
Model
Variables
Entered
Variables
Removed
Pelayanan
Kredit,
Persepsi SOP,
Jumlah Kredita
a. All requested variables entered.
b. Dependent Variable: absolute
Method
1
. Enter
Universitas Sumatera Utara
Model Summaryb
Model
R
Adjusted R
Square
R Square
Std. Error of
the Estimate
1
.141a
.020
-.020
.30439
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP,
Jumlah Kredit
b. Dependent Variable: absolute
ANOVAb
Model
1
Sum of Squares
Regression
Residual
Mean
Square
df
.139
3
6.856
74
F
Sig.
.046 .501 .683a
.093
Total
6.996
77
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP,
Jumlah Kredit
b. Dependent Variable: absolute
Coefficientsa
Unstandardized
Coefficients
Model
1
B
(Constant)
Standardized
Coefficients
Std. Error
Beta
t
Sig.
.046
1.008
.045 .964
Jumlah Kredit
-.020
.032
-.074 -.621 .536
Persepsi SOP
.004
.029
.016 .138 .890
.036
.032
.133
Pelayanan
Kredit
a. Dependent Variable: absolute
1.11
.267
8
Residuals Statisticsa
Minimum Maximum Mean Std. Deviation
Predicted Value
Residual
.2539
-.36764
.4405
N
.3374
.04253
78
1.17232 .00000
.29840
78
Std. Predicted Value
-1.964
2.425
.000
1.000
78
Std. Residual
-1.208
3.851
.000
.980
78
a. Dependent Variable: absolute
Universitas Sumatera Utara
Lampiran 8. Hasil Regresi Linier
REGRESSION
/DESCRIPTIVES MEAN STDDEV CORR SIG N
/MISSING LISTWISE
/STATISTICS COEFF OUTS R ANOVA COLLIN TOL CHANGE ZPP
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT Y
/METHOD=ENTER X1 X2 X3
/SCATTERPLOT=(*SRESID ,*ZPRED)
/RESIDUALS DURBIN HIST(ZRESID) NORM(ZRESID).
Regression
Notes
Output Created
Comments
Input
18-Jul-2012 11:34:52
Data
Active Dataset
Filter
Weight
Split File
N of Rows in Working
Data File
Missing Value Handling Definition of Missing
Cases Used
D:\BAHENSA PALAR PURBA
BRI\DATA REGRESI.sav
DataSet1
91
User-defined missing values are
treated as missing.
Statistics are based on cases with no
missing values for any variable
used.
Universitas Sumatera Utara
Syntax
Resources
REGRESSION
/DESCRIPTIVES MEAN
STDDEV CORR SIG N
/MISSING LISTWISE
/STATISTICS COEFF OUTS R
ANOVA COLLIN TOL CHANGE
ZPP
/CRITERIA=PIN(.05) POUT(.10)
/NOORIGIN
/DEPENDENT Y
/METHOD=ENTER X1 X2 X3
/SCATTERPLOT=(*SRESID
,*ZPRED)
/RESIDUALS DURBIN
HIST(ZRESID) NORM(ZRESID).
Processor Time
Elapsed Time
Memory Required
Additional Memory
Required for Residual
Plots
00:00:01.344
00:00:02.359
1948 bytes
896 bytes
[DataSet1] D:\BAHENSA PALAR PURBA BRI\DATA REGRESI.sav
Universitas Sumatera Utara
Descriptive Statistics
Mean
Permintaan Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
Std. Deviation
18.35
22.90
27.24
17.81
N
.895
1.123
1.250
1.117
78
78
78
78
Correlations
Permintaan
Kredit
Pearson
Correlation
Sig. (1-tailed)
N
Permintaan
Kredit
Jumlah
Kredit
Persepsi SOP
Pelayanan
Kredit
1.000
.462
.318
.543
Jumlah Kredit
.462
1.000
.184
.191
Persepsi SOP
.318
.184
1.000
.183
Pelayanan Kredit
Permintaan
Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
Permintaan
Kredit
Jumlah Kredit
Persepsi SOP
Pelayanan Kredit
.543
.191
.183
1.000
.
.000
.002
.000
.000
.002
.000
.
.053
.047
.053
.
.055
.047
.055
.
78
78
78
78
78
78
78
78
78
78
78
78
78
78
78
78
Variables Entered/Removedb
Model
Variables
Entered
Variables
Removed
Method
1
Pelayanan
Kredit,
. Enter
Persepsi SOP,
Jumlah Kredita
a. All requested variables entered.
b. Dependent Variable: Permintaan Kredit
Model Summaryb
Mod R
R
Adjusted Std. Error
Change Statistics
Durbin
Universitas Sumatera Utara
el
Squar R Square
e
1
.862
a
.743
of the
Estimate
.732
R
F
Sig. F
Square Chang df df Chan Watso
Change
e
1 2 ge
n
.463
.743 71.135
3 74
.000 1.829
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah Kredit
b. Dependent Variable: Permintaan Kredit
ANOVAb
Sum of
Squares
Model
1
Mean
Square
df
Regression
45.779
3
Residual
15.874
74
F
Sig.
15.260 71.135
.000a
.215
Total
61.654
77
a. Predictors: (Constant), Pelayanan Kredit, Persepsi SOP, Jumlah
Kredit
b. Dependent Variable: Permintaan Kredit
Coefficientsa
Standardi
zed
Unstandardize Coefficie
d Coefficients
nts
Model
1
(Constant)
B
Std.
Error
Beta
11.91
1.534
9
Correlations
t
Collinearity
Statistics
Zero- Parti
Tolera
Sig. order al Part nce VIF
7.76
.000
9
Jumlah
Kredit
.425
.048
.533
8.76
.000
3
.462 .714 .517
.940
1.0
63
Persepsi
SOP
.250
.043
.350
5.75
.000
5
.318 .556 .339
.943
1.0
60
.049
.709
11.6
.000
56
.543 .805 .688
.941
1.0
63
Pelayanan
.568
Kredit
a. Dependent Variable:
Permintaan Kredit
Collinearity Diagnosticsa
Mode Dime Eigenval Condition
Variance Proportions
Universitas Sumatera Utara
l
nsion
ue
Index
(Constan
t)
Jumlah
Kredit
1
1
3.995
1.000
.00
.00
.00
.00
2
.003
37.616
.01
.10
.07
.95
3
.002
46.854
.00
.64
.50
.00
.26
.43
.04
4
.001
68.818
.98
a. Dependent Variable: Permintaan Kredit
Residuals Statisticsa
Minimu
m
Maximum Mean
Predicted Value
16.55
20.03
Std. Predicted Value
2.326
2.183
Standard Error of
.055
.165
Predicted Value
Adjusted Predicted
16.51
20.03
Value
Residual
1.462
1.070
Std. Residual
3.157
2.309
Stud. Residual
3.223
2.370
Deleted Residual
1.524
1.126
Stud. Deleted Residual
3.453
2.449
Mahal. Distance
.092
8.840
Cook's Distance
.000
.111
Centered Leverage
.001
.115
Value
a. Dependent Variable: Permintaan Kredit
Persepsi
SOP
Std.
Deviation
Pelayanan
Kredit
N
18.35
.000
.771
1.000
78
78
.101
.028
78
18.35
.770
78
.000
.000
.001
.001
.002
2.962
.012
.454
.980
1.003
.476
1.025
2.140
.021
78
78
78
78
78
78
78
.038
.028
78
Charts
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Data Penelitian
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Lanjutan
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Lanjutan
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