KREDIT INVESTASI SELAMA TAHUN 2009
Lampiran 1 KREDIT INVESTASI SELAMA TAHUN 2009
Debitur Kredit Investasi
A 250,000,000.00
B 210,000,000.00
C 300,000,000.00
D 300,000,000.00
E 60,000,000.00 F 400,000,000.00
G 70,000,000.00
H 500,000,000.00
I 100,000,000.00
J 300,000,000.00
K 85,000,000.00
L 150,000,000.00
M 100,000,000.00
N 75,000,000.00 O 190,000,000.00
P 250,000,000.00
Q 125,000,000.00
R 60,000,000.00
S 50,000,000.00
T 150,000,000.00
U 400,000,000.00
V 100,000,000.00
W 500,000,000.00
X 275,000,000.00
Y 200,000,000.00 Z 250,000,000.00
AA 500,000,000.00
AB 300,000,000.00
AC 200,000,000.00
AD 200,000,000.00
AE 75,000,000.00
AF 500,000,000.00
AG 200,000,000.00
AH 90,000,000.00
Lampiran 2 DATA CURRENT RATIO (Current Asset/Current Liabilties)
897,676,875.00 412,725,000.00 2.175
586,206,000.00 261,000,000.00 2.246
X
476,652,410.00 328,725,800.00 1.450
W
404,100,000.00 150,000,000.00 2.694
V
U
714,968,725.00 212,725,000.00 3.361
400,050,000.00 150,000,000.00 2.667
T
124,967,808.87 49,800,000.00 2.509
S
156,890,900.00 87,987,098.00 1.783
R
597,619,350.00 151,950,000.00 3.933
Y
Z
927,250,000.00 250,000,000.00 3.709
AE
AH
415,000,000.00 204,450,000.00 2.030
AG
701,560,000.00 330,567,890.00 2.122
AF
150,789,000.79 78,090,000.00 1.931
305,678,000.00 210,768,000.00 1.450
673,117,350.00 401,567,800.00 1.676
AD
835,000,087.00 215,000,000.00 3.884
AC
956,000,000.00 325,000,000.00 2.942
AB
486,789,600.76 128,900,000.00 3.776
AA
Q
P
B
E
852,300,000.00 300,000,000.00 2.841
D
836,945,440.00 325,280,000.00 2.573
C
443,000,000.00 200,000,000.00 2.215
927,250,000.00 250,000,000.00 3.709
F
A
Current Liabilities Current Ratio
Current Asset
Debitur
584,906,250.00 93,750,000.00 6.239
542,033,453.10 408,465,300.00 1.327
661,790,250.00 222,750,000.00 2.971
249,040,000.00 88,000,000.00 2.830
O
166,125,000.00 75,000,000.00 2.215
N
118,600,000.00 100,000,000.00 1.186
M
250,050,000.00 150,000,000.00 1.667
L
K
G
942,865,875.00 312,725,000.00 3.015
J
231,000,000.00 120,000,000.00 1.925
I
1,069,000,000.00 500,000,000.00 2.138
H
111,370,000.00 70,000,000.00 1.591
198,000,000.00 100,000,000.00 1.980
Lampiran 3
DATA CASH RATIO
(Cash+ Marketable Securities/Current Liabilties)
163,545,678.82 743,456,767.89 412,725,000.00 2.198
162,345,784.76 412,123,432.45 261,000,000.00 2.201
X
221,345,654.85 251,234,564.86 328,725,800.00 1.438
W
127,876,556.76 276,545,987.48 150,000,000.00 2.696
V
U
176,453,123.84 543,437,654.12 212,725,000.00 3.384
176,878,980.56 214,786,567.87 150,000,000.00 2.611
T
167,656,898.49 76,543,234.00 49,800,000.00 4.904
S
123,456,546.63 143,567,808.92 87,987,098.00 3.035
R
Y
Z
Q
AE
AH
321,345,432.67 45,678,765.76 204,450,000.00 1.795
AG
231,456,543.76 487,654,896.34 330,567,890.00 2.175
AF
78,909,865.45 54,323,452.65 78,090,000.00 1.706
165,436,758.47 126,789,563.12 210,768,000.00 1.386
265,432,675.49 467,890,546.23 401,567,800.00 1.826
AD
298,654,365.53 515,453,657.82 215,000,000.00 3.787
AC
789,056,321.89 124,567,896.45 325,000,000.00 2.811
AB
329,856,766.54 123,467,589.53 128,900,000.00 3.517
AA
259,876,564.87 335,456,767.34 151,950,000.00 3.918
495,678,676.87 408,765,647.78 250,000,000.00 3.618
C
F
162,343,209.00 416,756,743.00 93,750,000.00 6.177
E
210,565,443.00 631,098,000.00 300,000,000.00 2.806
D
106,754,898.00 734,567,872.00 325,280,000.00 2.586
63,568,980.00 375,850,008.98 200,000,000.00 2.197
G
B
140,567,008.89 425,607,878.98 250,000,000.00 2.265
A
Cash Ratio
Marketable Secutities Current Liabilities
Cash
Debitur
257,890,988.00 254,321,343.00 408,465,300.00 1.254
45,676,545.00 74,568,909.00 70,000,000.00 1.718
P
22,456,653.00 216,756,433.00 150,000,000.00 1.595
108,675,645.91 547,676,543.87 222,750,000.00 2.947
O
11,234,356.00 156,454,346.76 75,000,000.00 2.236
N
56,987,456.00 61,335,653.00 100,000,000.00 1.183
M
L
H
78,909,908.00 171,145,342.00 88,000,000.00 2.842
K
304,512,311.00 600,675,434.00 312,725,000.00 2.895
J
77,565,435.00 149,678,567.00 120,000,000.00 1.894
I
214,565,458.00 831,543,556.00 500,000,000.00 2.092
54,323,456.87 178,909,876.09 100,000,000.00 2.332
Lampiran 4 DATA RETURN ON ASSET (Earning Before Tax/Total Asset
268,745,212.87 978,412,521.15 0.275
168,451,254.86 932,111,254.22 0.181
X
227,584,555.54 1,208,562,985.69 0.188
W
84,215,231.56 936,451,285.12 0.090
V
U
150,125,124.66 1,456,125,321.25 0.103
112,546,585.63 756,854,659.55 0.149
T
98,454,584.12 111,121,546.54 0.886
S
111,051,254.12 210,213,251.12 0.528
R
Y
Z
Q
AE
AH
122,457,845.62 863,125,454.12 0.142
AG
788,542,111.99 496,222,354.26 1.589
AF
65,985,451.12 452,623,125.12 0.146
233,254,256.54 798,546,454.55 0.292
77,215,454.12 1,036,521,412.12 0.074
AD
211,524,560.99 1,263,233,522.65 0.167
AC
152,111,698.25 1,552,487,654.23 0.098
AB
455,878,541.16 352,125,487.96 1.295
AA
173,125,451.84 940,254,654.59 0.184
73,854,658.56 1,308,564,254.26 0.056
C
F
211,021,546.58 803,124,125.56 0.263
E
91,312,525.25 1,532,002,542.21 0.060
D
156,765,432.12 1,375,432,123.54 0.114
99,675,432.52 776,875,643.32 0.128
G
B
33,231,234.65 1,121,234,123.54 0.030
A
Total Asset Return on Asset
Earning Before Tax
Debitur
112,123,451.12 1,062,154,652.85 0.106
105,126,854.42 230,124,658.96 0.457
P
276,452,123.52 921,548,605.35 0.300
162,125,489.77 993,568,475.81 0.163
O
51,156,125.23 305,487,659.88 0.167
N
114,256,845.54 208,555,696.13 0.548
M
L
H
82,356,451.12 169,215,326.23 0.487
K
189,546,524.25 1,315,124,251.95 0.144
J
121,245,564.21 452,195,654.58 0.268
I
200,124,658.45 1,830,215,986.21 0.109
33,125,412.12 452,123,123.12 0.073
Lampiran 5 DATA RETURN EQUITY (Net Income/Total Equity)
258,650,965.08 1,456,123,000.00 0.178
148,264,321.09 681,245,612.18 0.218
X
220,520,356.06 1,296,452,123.36 0.170
W
63,120,150.80 923,012,001.54 0.068
V
U
135,645,623.01 1,546,213,542.19 0.088
85,213,123.18 560,365,000.01 0.152
T
45,600,510.36 254,362,120.85 0.179
S
56,854,326.13 154,236,850.09 0.369
R
Y
Z
Q
AE
AH
103,412,532.18 654,320,512.04 0.158
AG
768,210,543.20 826,003,124.53 0.930
AF
85,125,601.27 602,552,003.08 0.141
203,154,216.14 587,654,321.30 0.346
563,120,120.52 3,765,213,452.10 0.150
AD
196,120,540.10 1,036,425,000.23 0.189
AC
132,125,001.08 1,254,362,000.21 0.105
AB
430,152,135.12 263,125,362.17 1.635
AA
150,142,012.06 780,106,230.30 0.192
31,254,125.12 1,054,620,154.12 0.030
C
F
184,125,698.54 711,642,583.55 0.259
E
71,212,154.11 1,225,412,365.16 0.058
D
126,321,654.65 1,044,125,121.00 0.121
77,735,125.95 577,451,212.12 0.135
G
B
34,512,326.12 875,212,321.23 0.039
A
Total Equity Return on Equity
Net Income
Debitur
90,142,361.12 660,143,211.65 0.137
81,001,234.19 286,451,365.56 0.283
P
254,213,654.18 765,140,850.75 0.332
143,546,521.32 771,452,154.21 0.186
O
30,478,065.48 231,054,001.25 0.132
N
187,546,851.65 421,325,890.77 0.445
M
L
H
623,125,123.26 3,258,456,876.86 0.191
K
168,215,326.12 1,314,125,123.13 0.128
J
123,129,015.11 389,000,100.32 0.317
I
180,365,110.10 1,325,001,540.16 0.136
92,654,321.06 362,125,006.63 0.256
Lampiran 6 DATA DEBT TO EQUITY RATIO (Total Debt/Total Equity)
402,064,850.00 1,456,123,000.00 0.276
276,011,000.00 681,245,612.18 0.405
X
500,000,000.00 1,296,452,123.36 0.386
W
100,000,000.00 923,012,001.54 0.108
V
U
201,033,010.00 1,546,213,542.19 0.130
150,124,061.00 560,365,000.01 0.268
T
49,998,985.00 254,362,120.85 0.197
S
60,000,000.00 154,236,850.09 0.389
R
Y
Z
Q
AE
AH
200,000,000.00 654,320,512.04 0.306
AG
500,105,000.00 826,003,124.53 0.605
AF
75,000,000.00 602,552,003.08 0.124
206,000,151.00 587,654,321.30 0.351
250,000,000.00 3,765,213,452.10 0.066
AD
200,654,000.00 1,036,425,000.23 0.194
AC
301,050,031.00 1,254,362,000.21 0.240
AB
500,000,000.00 263,125,362.17 1.900
AA
124,895,621.00 780,106,230.30 0.160
250,000,101.00 1,054,620,154.12 0.237
C
F
61,005,120.12 711,642,583.55 0.086
E
300,542,000.00 1,225,412,365.16 0.245
D
305,601,000.00 1,044,125,121.00 0.293
210,003,120.00 577,451,212.12 0.364
G
B
253,120,125.03 875,212,321.23 0.289
A
Total Equity Debt to Equity Ratio
Total Debt
Debitur
403,005,120.09 660,143,211.65 0.610
70,512,600.00 286,451,365.56 0.246
P
152,021,020.00 765,140,850.75 0.199
191,050,000.00 771,452,154.21 0.248
O
75,000,000.00 231,054,001.25 0.325
N
101,005,120.00 421,325,890.77 0.240
M
L
H
86,100,510.10 3,258,456,876.86 0.026
K
300,000,100.00 1,314,125,123.13 0.228
J
101,362,125.00 389,000,100.32 0.261
I
500,000,000.00 1,325,001,540.16 0.377
90,000,000.00 362,125,006.63 0.249
Lampiran 7 DATA DEBT TO ASSET RATIO (Total Debt/Total Asset)
402,064,850.00 978,412,521.15 0.411
276,011,000.00 932,111,254.22 0.296
X
500,000,000.00 1,208,562,985.69 0.414
W
100,000,000.00 936,451,285.12 0.107
V
U
201,033,010.00 1,456,125,321.25 0.138
150,124,061.00 756,854,659.55 0.198
T
49,998,985.00 111,121,546.54 0.450
S
60,000,000.00 210,213,251.12 0.285
R
Y
Z
Q
AE
AH
200,000,000.00 863,125,454.12 0.232
AG
500,105,000.00 496,222,354.26 1.008
AF
75,000,000.00 452,623,125.12 0.166
206,000,151.00 798,546,454.55 0.258
250,000,000.00 1,036,521,412.12 0.241
AD
200,654,000.00 1,263,233,522.65 0.159
AC
301,050,031.00 1,552,487,654.23 0.194
AB
500,000,000.00 352,125,487.96 1.420
AA
124,895,621.00 940,254,654.59 0.133
250,000,101.00 1,308,564,254.26 0.191
C
F
61,005,120.12 803,124,125.56 0.076
E
300,542,000.00 1,532,002,542.21 0.196
D
305,601,000.00 1,375,432,123.54 0.222
210,003,120.00 776,875,643.32 0.270
G
B
253,120,125.03 1,121,234,123.54 0.226
A
Total Asset Debt to Asset Ratio
Total Debt
Debitur
403,005,120.09 1,062,154,652.85 0.379
70,512,600.00 230,124,658.96 0.306
P
152,021,020.00 921,548,605.35 0.165
191,050,000.00 993,568,475.81 0.192
O
75,000,000.00 305,487,659.88 0.246
N
101,005,120.00 208,555,696.13 0.484
M
L
H
86,100,510.10 169,215,326.23 0.509
K
300,000,100.00 1,315,124,251.95 0.228
J
101,362,125.00 452,195,654.58 0.224
I
500,000,000.00 1,830,215,986.21 0.273
90,000,000.00 452,123,123.12 0.199
Lampiran 8
RASIO-RASIO KEUANGAN PT. BANK MAYAPADA INTERNASIONAL, TBK
DIVISI MAYAPADA MITRA USAHA UNIT KAMPUNG LALANG MEDAN
Current Ratio
Cash
Ratio
Debitur
ROA ROE
60,000,000.00 1.783 3.035 0.528 0.369 0.389 0.285
N
75,000,000.00 2.215 2.236 0.167 0.132 0.325 0.246
O
190,000,000.00 2.971 2.947 0.163 0.186 0.248 0.192
P
250,000,000.00 3.709 3.618 0.056 0.030 0.237 0.191
Q
125,000,000.00 3.933 3.918 0.184 0.192 0.160 0.133
R
S
M
50,000,000.00 2.509 4.904 0.886 0.179 0.197 0.450
T
150,000,000.00 2.667 2.611 0.149 0.152 0.268 0.198
U
400,000,000.00 2.175 2.198 0.275 0.178 0.276 0.411
V
100,000,000.00 2.694 2.696 0.090 0.068 0.108 0.107
W
500,000,000.00 1.450 1.438 0.188 0.170 0.386 0.414
100,000,000.00 1.186 1.183 0.548 0.445 0.240 0.484
150,000,000.00 1.667 1.595 0.300 0.332 0.199 0.165
DER DAR A
F
250,000,000.00 3.709 2.265 0.030 0.039 0.289 0.226
B
210,000,000.00 2.215 2.197 0.128 0.135 0.364 0.270
C
300,000,000.00 2.573 2.586 0.114 0.121 0.293 0.222
D
300,000,000.00 2.841 2.806 0.060 0.058 0.245 0.196
E
60,000,000.00 6.239 6.177 0.263 0.259 0.086 0.076
400,000,000.00 1.327 1.254 0.106 0.137 0.610 0.379
L
G
70,000,000.00 1.591 1.718 0.457 0.283 0.246 0.306
H
500,000,000.00 2.138 2.092 0.109 0.136 0.377 0.273
I
100,000,000.00 1.925 1.894 0.268 0.317 0.261 0.224
J
300,000,000.00 3.015 2.895 0.144 0.128 0.228 0.228
Kredit Investasi
85,000,000.00 2.830 2.842 0.487 0.191 0.026 0.509
K
X
AD
AH
200,000,000.00 2.030 1.795 0.142 0.016 0.306 0.232
AG
500,000,000.00 2.122 2.175 1.589 0.930 0.605 1.008
AF
75,000,000.00 1.931 1.706 0.146 0.141 0.124 0.166
AE
200,000,000.00 1.450 1.386 0.292 0.346 0.351 0.258
200,000,000.00 3.884 3.787 0.167 0.189 0.194 0.159
275,000,000.00 2.246 2.201 0.181 0.218 0.405 0.296
AC
300,000,000.00 2.942 2.811 0.098 0.105 0.240 0.194
AB
500,000,000.00 3.776 3.517 0.295 1.635 1.900 1.420
AA
250,000,000.00 1.676 1.826 0.074 0.150 0.066 0.241
Z
200,000,000.00 3.361 3.384 0.103 0.088 0.130 0.138
Y
90,000,000.00 1.980 2.332 0.073 0.256 0.249 0.199
Lampiran 9 Descriptive Statistics
Mean Std. Deviation N
K.Investasi 2.2102941E8 1.40786640E8
34
C.Ratio 2.55176 1.013579
34
Cash.Ratio 2.58897 1.051747
34
ROA .26059 .295065
34
ROE .24444 .294730
34
DER .31259 .308381
34
DAR .30871 .257359
34
b
Variables Entered/Removed Variables Model Variables Entered Removed Method
1 DAR, Cash.Ratio, ROA, C.Ratio, ROE, . Enter
a
DER a. All requested variables entered.
b. Dependent Variable: K.Investasi
b Model Summary Adjusted R Std. Error of the Model R R Square Square Estimate
a
1 .741 .550 .450 1.04454575E8
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
Lampiran 10
Correlations
K.Investasi
DER DAR
C.Ratio Cash.Ratio ROA ROE
Pearson Correlation
K.Investasi
1.000 -.082 -.235 .054 .336
.548 .512 C.Ratio
- .082 1.000 .862 -.165 .046
- .235 .862 1.000 .066 .054
- .033 -.047 ROA
34
34
34
34
34
34
34 ROA
34
34
34
34 ROE
34
34
34 Cash.Ratio
34
34
34
34
34
34
34
34
34
34
34
34
34
34
34
34 DAR
34
34
34
34
34
34
34
34 DER
34
34
34
34
34
34 C.Ratio
.018 -.080 Cash.Ratio
1.000 .835 DAR
.000 .001 C.Ratio
. .323 .091 .381 .026
K.Investasi
.835 1.000 Sig. (1-tailed)
.512 -.080 -.047 .564 .894
.548 .018 -.033 .149 .849
.849 .894 DER
.336 .046 .054 .485 1.000
.149 .564 ROE
.054 -.165 .066 1.000 .485
.323 . .000 .175 .399
.459 .327 Cash.Ratio
34
. .000 DAR
34
34
34
34
N
.000 .
.001 .327 .396 .000 .000
.000 .459 .427 .200 .000
.000 .000 DER
.026 .399 .380 .002 .
.200 .000 ROE
.381 .175 .356 . .002
.427 .396 ROA
.091 .000 . .356 .380
K.Investasi
b Lampiran 11 ANOVA Model Sum of Squares df Mean Square F Sig.
a
1 Regression 3.595E17 6 5.992E16 5.491 .001
Residual 2.946E17 27 1.091E16
Total 6.541E17
33
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
a
Coefficients
Unstandardized Standardized Coefficients Coefficients Collinearity Statistics Model B Std. Error Beta t Sig. ToleranceVIF
1 (Constant) 1.028E8 6.328E7 1.625 .116
C.Ratio 8.244E7 4.169E7 .594 1.977 .058 .185 5.401
Cash.Ratio -8.649E7 3.943E7 -.646 -2.193 .037 .192 5.202
ROA 9.541E7 1.291E8 .200 .739 .466 .228 4.387
ROE -4.926E8 1.701E8 -1.031 -2.896 .007 .131 7.605
DER 3.683E8 1.836E8 .807 2.006 .055 .103 9.699
DAR 3.634E8 2.279E8 .664 1.595 .122 .096 10.405
a. Dependent Variable: K.Investasi
a Lampiran 12
Residuals Statistics
Std.
Minimum Maximum Mean Deviation N
Predicted Value 3.9730488E7 5.4845709E8 2.2102941E8 1.04373818E8
34
Std. Predicted Value -1.737 3.137 .000 1.000
34
Standard Error of Predicted 2.119E7 1.028E8 4.214E7 2.201E7
34
Value
Adjusted Predicted Value -1.4714909E8 2.0254022E9 2.5861913E8 3.31826835E8
34
Residual -1.77041168E8 2.20392624E8 .00000005 9.44827180E7
34
Std. Residual -1.695 2.110 .000 .905
34
Stud. Residual -2.603 2.753 -.053 1.180
34
Deleted Residual -1.52540224E9 6.47149120E8 3.09922861E8
- 3.75897165E
34
7
Stud. Deleted Residual -2.951 3.185 -.051 1.263
34
Mahal. Distance .388 30.981 5.824 7.639
34
Cook's Distance .000 29.498 1.046 5.084
34
Centered Leverage Value .012 .939 .176 .231
34
a. Dependent Variable: K.Investasi
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Descriptive Statistics
N Skewness Kurtosis
Statistic Statistic Std. Error Statistic Std. Error
Unstandardized Predicted Value 34 1.036 .403 1.699 .788
Valid N (listwise)
34 Uji Autokorelasi b
Model Summary
Std. Error of the
Model R R Square Adjusted R Square Estimate Durbin-Watson
a
1 .741 .550 .450 1.04454575E8 2.444
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
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