Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvensional Berdasarkan Laporan Keuangan Perbankan 2011-2014 dengan Menggunakan Metode CAMEL

LAMPIRAN 1

Rasio Bank
BANK

THN

CAR

Bank Negara Indonesia

2014
2013
2012
2011
2014
2013
2012
2011
2014
2013

2012
2011
2014
2013
2012
2011
2014
2013
2012
2011
2014
2013
2012
2011

18,75
17,34
19,32
20,62
16,86

17,92
20,25
17,02
19,19
16,99
17,66
17,41
18,76
16,54
14,22
20,75
19,26
12,99
13,51
12,03
14,22
17,55
11,7
12,05

Bank Tabungan Negara

Bank Mandiri

BNI Syariah

Bank Mega Syariah

Bank Muamalat Indonesia

NPL BOPO
gross
1,96
69,78
2,17
67,12
2,84
70,99
3,61
72,58

4,01
89,19
4,05
82,19
4,09
80,74
2,75
81,75
1,66
64,98
1,6
62,41
1,74
63,93
2,18
67,22
1,86
85,03
1,86
83,94

2,02
85,39
3,62
87,86
3,89
97,61
2,98
86,09
2,67
77,28
3,03
90,8
6,43
97,33
1,35
85,12
2,09
84,48
2,6
85,52

ROA

LDR

3,49
3,36
2,92
2,94
1,12
1,79
1,94
2,03
3,57
3,66
3,55
3,37
1,27
1,37
1,48

1,29
0,29
2,33
3,81
1,58
0,17
1,37
1,54
1,52

87,81
85,3
77,52
70,37
108,86
104,42
100,9
102,57
82,02
82,97

77,66
71,65
92,58
97,86
84,99
78,6
93,61
93,37
88,88
83,08
84,14
99,99
94,15
85,18

KINERJA

94
94
92

92
92
90
92
94
92
92
92
92
94
92
92
92
86
96
94
90
82
94
90

94

Sumber : website masing-masing bank

72
Universitas Sumatera Utara

LAMPIRAN 2

Hasil Perhitungan Statistik Deskriptif
Group Statistics
BANK
CAR

NPL gross

BOPO

ROA

LDR

KINERJA

N

Mean

Std. Deviation

Std. Error Mean

BANK SYARIAH

12

15.2983

3.14851

.90890

BANK KONVENSIONAL

12

18.2775

1.31113

.37849

BANK SYARIAH

12

2.8667

1.35205

.39030

BANK KONVENSIONAL

12

2.7217

.98292

.28374

BANK SYARIAH

12

87.2042

5.69831

1.64496

BANK KONVENSIONAL

12

72.7400

8.65255

2.49778

BANK SYARIAH

12

1.5017

.92430

.26682

BANK KONVENSIONAL

12

2.8117

.86429

.24950

BANK SYARIAH

12

89.7025

6.54049

1.88808

BANK KONVENSIONAL

12

87.6708

13.29875

3.83902

BANK SYARIAH

12

91.3333

3.93893

1.13707

BANK KONVENSIONAL

12

92.3333

1.15470

.33333

Sumber : Output SPSS. Data diolah peneliti (2015)

73
Universitas Sumatera Utara

LAMPIRAN 3

Independent Samples Test
Independent Samples Test
Levene's Test
for Equality of
Variances

t-test for Equality of Means
95% Confidence
Interval of the
Sig. (2-

F
CAR

Equal variances assumed

14.462

Sig.

assumed
Equal variances assumed

gross

Equal variances not

.110

.743

assumed
BOPO

Equal variances assumed

3.326

.082

Equal variances not
assumed
ROA

Equal variances assumed

.572

assumed
Equal variances assumed

6.777

.016

Equal variances not
assumed
KINERJA Equal variances assumed
Equal variances not
assumed

7.257

.013

tailed)

Std. Error

Difference Difference

Difference
Lower

Upper

22

.006

-2.97917

.98455 -5.02101

-.93733

-3.026 14.704

.009

-2.97917

.98455 -5.08138

-.87695

22

.767

.14500

.48254

-.85573

1.14573

.300 20.088

.767

.14500

.48254

-.86128

1.15128

22

.000

14.46417

2.99078

8.26166 20.66667

4.836 19.031

.000

14.46417

2.99078

8.20508 20.72326

22

.002

-1.31000

.36530 -2.06758

-.55242

-3.586 21.902

.002

-1.31000

.36530 -2.06778

-.55222

22

.640

2.03167

4.27819 -6.84075 10.90409

.475 16.027

.641

2.03167

4.27819 -7.03643 11.09977

22

.408

-1.00000

1.18492 -3.45738

1.45738

-.844 12.877

.414

-1.00000

1.18492 -3.56236

1.56236

.300

4.836

.458 -3.586

Equal variances not

LDR

Df

.001 -3.026

Equal variances not

NPL

T

Mean

.475

-.844

Sumber : Output SPSS. Data diolah peneliti (2015)

74
Universitas Sumatera Utara