Pengaruh Kinerja Keuangan dan Tanggung Jawab Sosial Terhadap Profitabilitas Bank Syariah di Indonesia Periode 2010-2014
LAMPIRAN
Lampiran 1
Daftar Sampel Perusahaan
NO.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Daftar Sampel Perusahaan Perbankan Syariah
Nama Bank
Tanggal Berdiri
PT Bank Central Asia Syariah
2 Maret 2009
B.P.D Jawa barat Banten Syariah
26 Januari 2010
Bank Syariah Mega Indonesia
27 Juli 2004
PT Bank Muamalat Indonesia
1 November 1991
Bank Negara Indonesia Syariah
21 Mei 2010
Bank Rakyat Indonesia Syariah
17 November 2008
PT Bank Syariah Bukopin
9 Desember 2008
Bank Syariah Mandiri
25 Oktober 1999
PT Bank Victoria Syariah
3 Agustus 2007
PT Maybank Syariah
1 Oktober 2010
Panin Bank Syariah
6 Oktober 2009
80
Lampiran 2
Data Variabel Penelitian
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Data Variabel ROA
ROA = Laba Sebelum Pajak/Total Aset × 100%
Tahun
Laba Sebelum
Total Aset
Pajak (Rp)
(RP)
2010
8,958,227,003
874,630,867,793
2011
8,950,479,010 1,217,097,137,461
2012
10,960,778,015 1,602,180,989,705
2013
16,760,901,061 2,041,418,847,273
2014
17,498,000,000 2,994,449,000,000
2010
7,696,000,000 1,930,000,000,000
2011
25,769,000,000 2,849,451,000,000
2012
20,843,000,000 4,275,097,000,000
2013
40,571,000,000 4,695,088,000,000
2014
35,531,000,000 6,090,945,000,000
2010
36,734,000,000 6,394,923,000,000
2011
89,256,000,000 8,466,887,000,000
2012
137,744,000,000 10,645,313,000,000
2013
179,616,000,000 14,708,504,000,000
2014
220,133,000,000 19,492,112,000,000
2010
18,053,000,000 6,856,386,000,000
2011
16,701,000,000 11,200,823,000,000
2012
138,052,000,000 14,088,914,000,000
2013
183,942,000,000 17,400,914,000,000
2014
15,385,000,000 20,343,249,000,000
2010
14,919,335,146 2,193,952,328,077
2011
15,021,719,308 2,730,026,909,823
2012
24,354,096,259 3,616,107,512,472
2013
27,244,911,129 4,343,069,056,830
2014
12,769,963,065 5,161,300,488,180
2010
568,732,339,956 32,481,873,142,495
2011
747,934,244,036 48,671,950,025,861
2012
1,097,132,642,834 54,229,395,784,522
2013
883,836,421,815 63,965,361,177,789
ROA
(%)
1.02%
0.74%
0.68%
0.82%
0.58%
0.40%
0.90%
0.49%
0.86%
0.58%
0.57%
1.05%
1.29%
1.22%
1.13%
0.26%
0.15%
0.98%
1.06%
0.08%
0.68%
0.55%
0.67%
0.63%
0.25%
1.75%
1.54%
2.02%
1.38%
81
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
109,793,613,822
60,434,000,000
54,350,000,000
56,187,000,000
59,653,000,000
76,637,000,000
84,352,399,000
72,057,055,000
246,727,574,000
199,737,385,000
23,319,637,000
231,076,707,000
371,670,266,000
521,841,000,000
239,350,600,000
96,719,801,000
-10,523,144,000
12,410,724,000
46,849,335,000
29,161,500,000
95,731,515,000
3,013,000,000
26,812,000,000
10,394,000,000
4,928,000,000
-25,021,000,000
66,942,422,284,791
1,410,475,000,000
1,692,959,000,000
2,062,552,000,000
2,299,971,000,000
2,449,723,000,000
4,637,730,250,000
5,564,662,066,000
8,163,668,180,000
9,121,575,543,000
7,042,486,466,000
21,400,793,090,000
32,479,506,528,000
44,854,413,000,000
53,723,978,628,000
62,413,310,135,000
458,713,370,000
1,016,878,719,000
2,136,576,111,000
4,052,700,692,000
6,207,678,452,000
336,676,000,000
642,026,000,000
939,472,000,000
1,323,396,000,000
1,439,983,000,000
0.16%
4.28%
3.21%
2.72%
2.59%
3.13%
1.82%
1.29%
3.02%
2.19%
0.33%
1.08%
1.14%
1.16%
0.45%
0.15%
-2.29%
1.22%
2.19%
0.72%
1.54%
0.89%
4.18%
1.11%
0.37%
-1.74%
82
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Maybank
Syariah
Data Variabel CAR
CAR = Modal Bank /ATMR × 100%
Tahun
Modal Bank
ATMR
(Rp)
(Rp)
2010
300,934,000,000
393,931,000,000
2011
308,458,000,000
671,428,000,000
2012
308,589,000,000
980,624,000,000
2013
321,436,000,000 1,438,025,000,000
2014
637,854,000,000 2,157,000,000,000
2010
515,591,000,000 1,640,307,000,000
2011
533,379,000,000 1,761,433,000,000
2012
650,023,000,000 2,990,893,000,000
2013
655,836,000,000 3,646,144,000,000
2014
681,337,000,000 4,316,702,000,000
2010
1,057,472,000,000 3,820,048,000,000
2011
1,097,119,000,000 5,308,175,000,000
2012
1,198,018,000,000 6,283,808,000,000
2013
1,365,396,000,000 8,413,837,000,000
2014
2,004,358,000,000 10,878,620,000,000
2010
995,322,000,000 4,826,384,000,000
2011
1,034,367,000,000 7,018,331,000,000
2012
1,112,727,000,000 9,803,081,000,000
2013
1,765,133,000,000 12,180,402,000,000
2014
1,767,087,000,000 13,710,805,000,000
2010
185,411,000,000 1,611,475,000,000
2011
301,859,000,000 1,973,954,000,000
2012
331,199,000,000 2,591,576,000,000
2013
358,919,000,000 3,232,827,000,000
2014
567,308,000,000 3,578,295,000,000
2010
2,830,662,000,000 22,452,882,000,000
2011
3,720,674,000,000 25,314,942,000,000
2012
4,567,310,000,000 32,916,532,000,000
2013
5,344,901,000,000 37,841,216,000,000
2014
5,622,091,000,000 37,614,065,000,000
2010
756,922,000,000 1,003,276,000,000
2011
894,511,000,000 1,210,489,000,000
2012
941,844,000,000 1,467,137,000,000
2013
1,025,691,000,000 1,720,738,000,000
2014
1,031,988,000,000 1,975,339,000,000
CAR
(%)
76.39%
45.94%
31.47%
22.35%
29.57%
31.43%
30.28%
21.73%
17.99%
15.78%
27.68%
20.67%
19.07%
16.23%
18.42%
20.62%
14.74%
11.35%
14.49%
12.89%
11.51%
15.29%
12.78%
11.10%
15.85%
12.61%
14.70%
13.88%
14.12%
14.95%
75.45%
73.90%
64.20%
59.61%
52.24%
83
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2010
2011
2012
2013
2014
378,451,103,000
441,469,019,000
578,881,585,000
746,968,890,000
812,682,712,000
2,879,916,727,000
3,670,436,609,000
4,285,661,662,000
5,749,199,601,000
4,219,493,866,000
13.14%
12.03%
13.51%
12.99%
19.26%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2,080,569,699,000
2,415,629,113,000
3,682,215,000,000
5,982,703,000,000
5,848,060,194,000
141,405,287,000
452,866,912,000
483,369,000,000
537,402,000,000
1,077,568,000,000
128,765,000,000
135,845,000,000
154,319,000,000
164,079,000,000
137,800,000,000
15,685,792,201,000
20,109,146,671,000
31,082,798,000,000
33,864,606,000,000
41,334,187,915,000
257,993,441,000
730,721,771,000
1,501,121,000,000
2,597,432,000,000
4,194,517,000,000
221,749,000,000
300,408,000,000
549,306,000,000
891,604,000,000
901,838,000,000
13.26%
12.01%
11.85%
17.67%
14.15%
54.81%
61.98%
32.20%
20.69%
25.69%
58.07%
45.22%
28.09%
18.40%
15.28%
84
Data Variabel NPF
NPF = Pembiayaan Bermasalah/Total Pembiayaan × 100%
Bank
Tahun
NPF
(%)
2010
1.20%
Bank
2011
0.20%
BCA Syariah
2012
0.10%
2013
0.10%
2014
0.12%
2010
1.04%
Bank
2011
0.41%
Jabar Banten Syariah
2012
2.10%
2013
1.16%
2014
3.87%
2010
1.95%
Bank
2011
2.42%
BNI Syariah
2012
1.42%
2013
1.13%
2014
1.04%
2010
2.14%
Bank
2011
2.12%
BRI Syariah
2012
1.84%
2013
3.26%
2014
3.65%
2010
3.80%
Bank
2011
1.74%
Bukopin Syariah
2012
4.59%
2013
4.27%
2014
4.07%
2010
1.29%
Bank
2011
2.42%
Mandiri Syariah
2012
2.82%
2013
2.29%
2014
4.29%
2010
0%
Maybank Syariah
2011
0%
2012
1.25%
85
Bank
Mega Syariah
Bank Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria Syariah
2013
2014
2010
2011
2012
2013
2014
0%
4.29%
3.52%
3.03%
2.67%
2.98%
3.89%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
3.51%
1.78%
1.81%
1.56%
4.85%
0%
0.82%
0.19%
0.77%
0.29%
0%
1.94%
2.41%
3.31%
4.75%
86
Data Variabel FDR
FDR = Jumlah Pembiayaan yang Diberikan/DPK × 100%
Bank
Tahun Jumlah Pembiayaan
Dana Simpanan
yang Diberikan
Masyarakat (Rp)
(Rp)
2010
433,010,000,000
556,780,000,000
Bank
2011
680,900,000,000
864,100,000,000
BCA Syariah 2012
1,007,700,000,000 1,261,800,000,000
2013
1,421,600,000,000 1,703,000,000,000
2014
2,132,300,000,000 2,338,709,000,000
2010
1,603,000,000,000 1,322,000,000,000
Bank
2011
1,766,000,000,000 2,218,533,000,000
Jabar Banten
2012
2,984,710,000,000 3,392,073,000,000
Syariah
2013
3,606,528,000,000 3,702,683,000,000
2014
4,437,378,000,000 5,279,426,000,000
2010
3,558,485,000,000 5,162,728,000,000
Bank
2011
5,310,292,000,000 6,756,262,000,000
BNI Syariah
2012
7,631,994,000,000 8,980,036,000,000
2013
11,242,241,000,000 11,488,209,000,000
2014
15,755,634,000,000 17,021,530,000,000
2010
5,527,081,000,000 5,096,597,000,000
Bank
2011
9,170,300,000,000 9,906,412,000,000
BRI Syariah
2012
11,403,000,000,000 11,948,889,000,000
2013
14,167,362,000,000 13,794,869,000,000
2014
15,691,430,000,000 16,711,516,000,000
2010
1,611,773,371,819 1,621,913,387,702
Bank
2011
1,917,219,649,518 2,291,737,724,902
Bukopin
2012
2,631,020,754,705 2,850,783,990,658
Syariah
2013
3,281,655,000,000 3,272,263,000,000
2014
3,710,720,000,000 3,994,957,000,000
2010
23,968,000,000,000 28,998,000,000,000
Bank
2011
36,727,000,000,000 42,618,000,000,000
Mandiri
2012
44,755,000,000,000 47,409,000,000,000
Syariah
2013
50,650,982,725,749 56,689,013,953,055
2014
49,330,826,917,538 60,062,877,790,246
FDR
(%)
77.77%
78.80%
79.86%
83.48%
91.17%
121.26%
79.60%
87.99%
97.40%
84.05%
68.93%
78.60%
84.99%
97.86%
92.56%
108.45%
92.57%
95.43%
102.70%
93.90%
99.37%
83.66%
92.29%
100.29%
92.89%
82.65%
86.18%
94.40%
89.35%
82.13%
87
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
605,511,000,000
998,602,000,000
1,372,076,000,000
1,492,920,000,000
1,645,655,000,000
3,154,177,000,000
4,094,797,000,000
6,213,570,000,000
7,185,390,000,000
5,455,672,000,000
355,374,000,000
349,848,000,000
710,726,000,000
976,618,000,000
1,043,046,000,000
4,040,980,000,000
4,933,556,000,000
7,108,754,000,000
7,736,248,000,000
5,881,057,000,000
170.39%
285.44%
193.05%
152.87%
157.77%
78.05%
83.00%
87.41%
92.88%
92.77%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
15,917,690,000,000
22,469,190,000,000
32,861,440,000,000
41,786,710,000,000
43,086,720,000,000
215,972,000,000
684,118,000,000
1,515,421,000,000
2,594,825,000,000
4,736,314,000,000
28,190,000,000
214,280,000,000
476,814,000,000
860,000,000,000
1,128,700,000,000
17,393,440,000,000
26,766,900,000,000
34,903,830,000,000
41,790,360,000,000
51,206,270,000,000
309,765,000,000
419,772,000,000
1,223,290,000,000
2,870,310,000,000
5,076,082,000,000
167,000,000,000
465,036,000,000
646,324,000,000
1,015,000,000,000
1,185,686,000,000
91.52%
83.94%
94.15%
99.99%
84.14%
69.72%
162.97%
123.88%
90.40%
93.31%
16.88%
46.08%
73.77%
84.73%
95.19%
88
Data Variabel BOPO
BOPO = Biaya Operasional/Pendapatan Operasional × 100%
Bank
Tahun Biaya Operasional PendapatanOperasional BOPO
(Rp)
(Rp)
(%)
2010
45,659,989,628
29,681,217,764 153.83%
Bank
2011
57,507,027,956
63,155,202,850
91.06%
BCA
2012
78,540,370,892
81,086,363,381
96.86%
Syariah
2013
94,816,618,471
95,826,881,084
98.95%
2014
61,100,000,000
72,200,000,000
84.63%
2010
77,347,000,000
85,582,000,000
90.38%
Bank
2011
135,755,000,000
161,479,000,000
84.07%
Jabar
2012
199,973,000,000
220,660,000,000
90.62%
Banten
2013
247,619,000,000
292,042,000,000
84.79%
Syariah
2014
359,243,000,000
394,680,000,000
91.02%
2010
265,890,000,000
251,975,000,000 105.52%
Bank
2011
497,499,000,000
531,731,000,000
93.56%
BNI
2012
759,674,000,000
729,459,000,000 104.14%
Syariah
2013
886,649,000,000
1,061,877,000,000
83.50%
2014
1,212,728,000,000
1,435,051,000,000
84.51%
2010
464,033,000,000
456,695,000,000 101.61%
Bank
2011
674,794,000,000
679,865,000,000
99.25%
BRI
2012
848,842,000,000
979,877,000,000
86.63%
Syariah
2013
931,290,000,000
1,111,030,000,000
83.82%
2014
1,135,345,000,000
1,145,232,000,000
99.14%
2010
89,106,184,690
95,583,106,225
93.22%
Bank
2011
92,851,293,290
101,682,831,101
91.31%
Bukopin
2012
129,761,295,481
137,953,693,767
94.06%
Syariah
2013
168,605,633,523
172,563,163,951
97.71%
2014
167,680,738,691
171,279,629,866
97.90%
2010
1,904,196,760,733
3,334,614,060,535
57.10%
Bank
2011
2,657,982,855,110
3,072,468,886,992
86.51%
Mandiri
2012
3,175,406,873,647
3,909,974,353,870
81.21%
Syariah
2013
4,490,085,839,840
4,550,328,403,205
98.68%
89
Maybank
Syariah
Bank
Mega
Syariah
Bank
Muamalat
Indonesia
Bank
Panin
Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
4,973,434,741,750
58,576,000,000
53,749,000,000
65,337,000,000
76,304,000,000
76,233,000,000
832,472,629,000
925,065,060,000
1,102,475,774,000
1,573,861,241,000
1,159,087,365,000
981,528,000,000
1,130,574,000,000
1,399,811,000,000
2,318,995,338,000
2,009,077,869,000
24,202,332,000
34,693,038,000
48,167,131,000
108,675,581,000
166,681,567,000
14,090,000,000
27,619,000,000
38,699,000,000
50,444,000,000
74,328,000,000
4,097,812,299,645
170,128,000,000
93,858,000,000
121,542,000,000
134,281,000,000
146,623,000,000
785,788,200,000
823,130,102,000
1,114,805,422,000
1,341,017,205,000
967,231,288,000
1,123,240,000,000
1,319,908,000,000
1,657,035,000,000
2,553,462,300,000
2,176,139,359,000
13,329,219,000
47,867,651,000
94,883,465,000
137,750,153,000
264,191,337,000
16,824,000,000
31,965,000,000
43,999,000,000
54,890,000,000
51,690,000,000
121.37%
34.43%
57.27%
53.76%
56.82%
51.99%
105.94%
112.38%
98.89%
117.36%
119.84%
87.38%
85.66%
84.48%
90.82%
92.32%
181.57%
72.48%
50.76%
78.89%
63.09%
83.75%
86.40%
87.95%
91.90%
143.80%
90
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Data Variabel CSR
CSR = Biaya Promosi/Biaya Operasional × 100%
Tahun
BiayaPromosi
BiayaOperasional
(Rp)
(RP)
657,805,314
45,659,989,628
2010
805,817,495
57,507,027,956
2011
2012
1,203,261,557
78,540,370,892
649,262,293
94,816,618,471
2013
1,064,000,000
61,100,000,000
2014
1,932,000,000
77,347,000,000
2010
1,838,000,000
135,755,000,000
2011
1,848,000,000
199,973,000,000
2012
2013
7,062,000,000
247,619,000,000
13,947,000,000
359,243,000,000
2014
16,229,000,000
265,890,000,000
2010
30,706,000,000
497,499,000,000
2011
50,420,000,000
759,674,000,000
2012
46,928,000,000
886,649,000,000
2013
59,685,000,000
1,212,728,000,000
2014
30,972,000,000
464,033,000,000
2010
26,923,000,000
674,794,000,000
2011
12,399,000,000
848,842,000,000
2012
27,614,000,000
931,290,000,000
2013
29,333,000,000
1,135,345,000,000
2014
2,058,483,631
89,106,184,690
2010
2011
1,708,916,830
92,851,293,290
3,169,108,727
129,761,295,481
2012
4,820,709,776
168,605,633,523
2013
4,181,842,055
167,680,738,691
2014
84,995,578,055
1,904,196,760,733
2010
108,094,367,845
2,657,982,855,110
2011
2012
107,456,048,129
3,175,406,873,647
81,184,744,703
4,490,085,839,840
2013
CSR
(%)
1.44%
1.40%
1.53%
0.68%
1.74%
2.50%
1.35%
0.92%
2.85%
3.88%
6.10%
6.17%
6.64%
5.29%
4.92%
6.67%
3.99%
1.46%
2.97%
0.43%
2.31%
1.84%
2.44%
2.86%
2.49%
4.46%
4.07%
8.92%
8.92%
91
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
55,512,477,284
1,138,000,000
1,117,000,000
1,021,000,000
1,279,000,000
2,006,000,000
6,466,000,000
9,655,000,000
10,282,000,000
8,175,000,000
6,077,000,000
4,973,434,741,750
58,576,000,000
53,749,000,000
65,337,000,000
76,304,000,000
76,233,000,000
832,472,629,000
925,065,060,000
1,102,475,774,000
1,573,861,241,000
1,159,087,365,000
1.12%
1.94%
2.08%
1.56%
9.00%
8.23%
0.78%
1.04%
9.29%
0.52%
0.52%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
42,865,000,000
47,290,000,000
59,548,000,000
75,240,565,000
70,810,982,000
184,859,000
254,889,000
330,796,000
1,187,588,000
4,097,513,000
126,000,000
199,000,000
146,000,000
407,000,000
1,733,000,000
981,528,000,000
1,130,574,000,000
1,399,811,000,000
2,318,995,338,000
2,009,077,869,000
24,202,332,000
34,693,038,000
48,167,131,000
108,675,581,000
166,681,567,000
14,090,000,000
27,619,000,000
38,699,000,000
50,444,000,000
74,328,000,000
4.37%
4.18%
4.25%
3.24%
0.43%
0.76%
9.29%
0.69%
1.09%
9.32%
0.89%
1.99%
0.38%
0.40%
0.39%
92
Lampiran 3
Hasil Pengolahan Data
Analisis Deskriptif
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
CAR
55
.1110
.7639
.265739
.1872828
NPF
55
.0000
.0485
.020449
.0147999
FDR
55
.1688
2.8544
.982705
.3804820
BOPO
55
.3443
1.8157
.912165
.2436720
CSR
55
.0038
.0932
.032536
.0279174
ROA
55
-.0229
.0429
.011145
.0114664
Valid N (listwise)
55
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Normalitas
93
Sumber: Hasil Penelitian, 2015 (Data diolah)
Sumber: Hasil Penelitian, 2015 (Data diolah)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parametersa,,b
55
Mean
Std. Deviation
Most Extreme Differences
.0000000
.00743984
Absolute
.151
Positive
.151
Negative
-.087
94
Kolmogorov-Smirnov Z
1.122
Asymp. Sig. (2-tailed)
.161
a. Test distribution is Normal.
b. Calculated from data.
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Autokorelasi
Model
1
Durbin-Watson
1.787
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Heteroskedastisitas
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Multikolinearitas
Collinearity Statistics
Model
1
Tolerance
VIF
(Constant)
CAR
.492
2.032
NPF
.612
1.634
95
FDR
.555
1.800
BOPO
.626
1.597
CSR
.845
1.183
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Statistik F
ANOVAb
Model
1
Sum of Squares
Df
Mean Square
Regression
.004
5
.001
Residual
.003
49
.000
Total
.007
54
F
Sig.
13.479
.000a
a. Predictors: (Constant), CSR, CAR, BOPO, NPF, FDR
b. Dependent Variable: ROA
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Statistik T
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
Std. Error
(Constant)
.027
.008
CAR
.024
.008
NPF
.145
.092
Beta
T
Sig.
3.601
.001
.398
3.014
.004
.187
1.576
.122
96
FDR
-.002
.004
-.063
-.506
.615
BOPO
-.029
.006
-.618
-5.279
.000
.084
.041
.206
2.039
.047
CSR
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Determinasi (R2)
Model Summaryb
Std. Error of the
Model
1
R
R Square
.761a
Adjusted R Square
.579
.536
Estimate
.0078102
Durbin-Watson
1.787
a. Predictors: (Constant), CSR, CAR, BOPO, NPF, FDR
b. Dependent Variable: ROA
Sumber: Hasil Penelitian, 2015 (Data diolah)
97
Lampiran 1
Daftar Sampel Perusahaan
NO.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Daftar Sampel Perusahaan Perbankan Syariah
Nama Bank
Tanggal Berdiri
PT Bank Central Asia Syariah
2 Maret 2009
B.P.D Jawa barat Banten Syariah
26 Januari 2010
Bank Syariah Mega Indonesia
27 Juli 2004
PT Bank Muamalat Indonesia
1 November 1991
Bank Negara Indonesia Syariah
21 Mei 2010
Bank Rakyat Indonesia Syariah
17 November 2008
PT Bank Syariah Bukopin
9 Desember 2008
Bank Syariah Mandiri
25 Oktober 1999
PT Bank Victoria Syariah
3 Agustus 2007
PT Maybank Syariah
1 Oktober 2010
Panin Bank Syariah
6 Oktober 2009
80
Lampiran 2
Data Variabel Penelitian
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Data Variabel ROA
ROA = Laba Sebelum Pajak/Total Aset × 100%
Tahun
Laba Sebelum
Total Aset
Pajak (Rp)
(RP)
2010
8,958,227,003
874,630,867,793
2011
8,950,479,010 1,217,097,137,461
2012
10,960,778,015 1,602,180,989,705
2013
16,760,901,061 2,041,418,847,273
2014
17,498,000,000 2,994,449,000,000
2010
7,696,000,000 1,930,000,000,000
2011
25,769,000,000 2,849,451,000,000
2012
20,843,000,000 4,275,097,000,000
2013
40,571,000,000 4,695,088,000,000
2014
35,531,000,000 6,090,945,000,000
2010
36,734,000,000 6,394,923,000,000
2011
89,256,000,000 8,466,887,000,000
2012
137,744,000,000 10,645,313,000,000
2013
179,616,000,000 14,708,504,000,000
2014
220,133,000,000 19,492,112,000,000
2010
18,053,000,000 6,856,386,000,000
2011
16,701,000,000 11,200,823,000,000
2012
138,052,000,000 14,088,914,000,000
2013
183,942,000,000 17,400,914,000,000
2014
15,385,000,000 20,343,249,000,000
2010
14,919,335,146 2,193,952,328,077
2011
15,021,719,308 2,730,026,909,823
2012
24,354,096,259 3,616,107,512,472
2013
27,244,911,129 4,343,069,056,830
2014
12,769,963,065 5,161,300,488,180
2010
568,732,339,956 32,481,873,142,495
2011
747,934,244,036 48,671,950,025,861
2012
1,097,132,642,834 54,229,395,784,522
2013
883,836,421,815 63,965,361,177,789
ROA
(%)
1.02%
0.74%
0.68%
0.82%
0.58%
0.40%
0.90%
0.49%
0.86%
0.58%
0.57%
1.05%
1.29%
1.22%
1.13%
0.26%
0.15%
0.98%
1.06%
0.08%
0.68%
0.55%
0.67%
0.63%
0.25%
1.75%
1.54%
2.02%
1.38%
81
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
109,793,613,822
60,434,000,000
54,350,000,000
56,187,000,000
59,653,000,000
76,637,000,000
84,352,399,000
72,057,055,000
246,727,574,000
199,737,385,000
23,319,637,000
231,076,707,000
371,670,266,000
521,841,000,000
239,350,600,000
96,719,801,000
-10,523,144,000
12,410,724,000
46,849,335,000
29,161,500,000
95,731,515,000
3,013,000,000
26,812,000,000
10,394,000,000
4,928,000,000
-25,021,000,000
66,942,422,284,791
1,410,475,000,000
1,692,959,000,000
2,062,552,000,000
2,299,971,000,000
2,449,723,000,000
4,637,730,250,000
5,564,662,066,000
8,163,668,180,000
9,121,575,543,000
7,042,486,466,000
21,400,793,090,000
32,479,506,528,000
44,854,413,000,000
53,723,978,628,000
62,413,310,135,000
458,713,370,000
1,016,878,719,000
2,136,576,111,000
4,052,700,692,000
6,207,678,452,000
336,676,000,000
642,026,000,000
939,472,000,000
1,323,396,000,000
1,439,983,000,000
0.16%
4.28%
3.21%
2.72%
2.59%
3.13%
1.82%
1.29%
3.02%
2.19%
0.33%
1.08%
1.14%
1.16%
0.45%
0.15%
-2.29%
1.22%
2.19%
0.72%
1.54%
0.89%
4.18%
1.11%
0.37%
-1.74%
82
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Maybank
Syariah
Data Variabel CAR
CAR = Modal Bank /ATMR × 100%
Tahun
Modal Bank
ATMR
(Rp)
(Rp)
2010
300,934,000,000
393,931,000,000
2011
308,458,000,000
671,428,000,000
2012
308,589,000,000
980,624,000,000
2013
321,436,000,000 1,438,025,000,000
2014
637,854,000,000 2,157,000,000,000
2010
515,591,000,000 1,640,307,000,000
2011
533,379,000,000 1,761,433,000,000
2012
650,023,000,000 2,990,893,000,000
2013
655,836,000,000 3,646,144,000,000
2014
681,337,000,000 4,316,702,000,000
2010
1,057,472,000,000 3,820,048,000,000
2011
1,097,119,000,000 5,308,175,000,000
2012
1,198,018,000,000 6,283,808,000,000
2013
1,365,396,000,000 8,413,837,000,000
2014
2,004,358,000,000 10,878,620,000,000
2010
995,322,000,000 4,826,384,000,000
2011
1,034,367,000,000 7,018,331,000,000
2012
1,112,727,000,000 9,803,081,000,000
2013
1,765,133,000,000 12,180,402,000,000
2014
1,767,087,000,000 13,710,805,000,000
2010
185,411,000,000 1,611,475,000,000
2011
301,859,000,000 1,973,954,000,000
2012
331,199,000,000 2,591,576,000,000
2013
358,919,000,000 3,232,827,000,000
2014
567,308,000,000 3,578,295,000,000
2010
2,830,662,000,000 22,452,882,000,000
2011
3,720,674,000,000 25,314,942,000,000
2012
4,567,310,000,000 32,916,532,000,000
2013
5,344,901,000,000 37,841,216,000,000
2014
5,622,091,000,000 37,614,065,000,000
2010
756,922,000,000 1,003,276,000,000
2011
894,511,000,000 1,210,489,000,000
2012
941,844,000,000 1,467,137,000,000
2013
1,025,691,000,000 1,720,738,000,000
2014
1,031,988,000,000 1,975,339,000,000
CAR
(%)
76.39%
45.94%
31.47%
22.35%
29.57%
31.43%
30.28%
21.73%
17.99%
15.78%
27.68%
20.67%
19.07%
16.23%
18.42%
20.62%
14.74%
11.35%
14.49%
12.89%
11.51%
15.29%
12.78%
11.10%
15.85%
12.61%
14.70%
13.88%
14.12%
14.95%
75.45%
73.90%
64.20%
59.61%
52.24%
83
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2010
2011
2012
2013
2014
378,451,103,000
441,469,019,000
578,881,585,000
746,968,890,000
812,682,712,000
2,879,916,727,000
3,670,436,609,000
4,285,661,662,000
5,749,199,601,000
4,219,493,866,000
13.14%
12.03%
13.51%
12.99%
19.26%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2,080,569,699,000
2,415,629,113,000
3,682,215,000,000
5,982,703,000,000
5,848,060,194,000
141,405,287,000
452,866,912,000
483,369,000,000
537,402,000,000
1,077,568,000,000
128,765,000,000
135,845,000,000
154,319,000,000
164,079,000,000
137,800,000,000
15,685,792,201,000
20,109,146,671,000
31,082,798,000,000
33,864,606,000,000
41,334,187,915,000
257,993,441,000
730,721,771,000
1,501,121,000,000
2,597,432,000,000
4,194,517,000,000
221,749,000,000
300,408,000,000
549,306,000,000
891,604,000,000
901,838,000,000
13.26%
12.01%
11.85%
17.67%
14.15%
54.81%
61.98%
32.20%
20.69%
25.69%
58.07%
45.22%
28.09%
18.40%
15.28%
84
Data Variabel NPF
NPF = Pembiayaan Bermasalah/Total Pembiayaan × 100%
Bank
Tahun
NPF
(%)
2010
1.20%
Bank
2011
0.20%
BCA Syariah
2012
0.10%
2013
0.10%
2014
0.12%
2010
1.04%
Bank
2011
0.41%
Jabar Banten Syariah
2012
2.10%
2013
1.16%
2014
3.87%
2010
1.95%
Bank
2011
2.42%
BNI Syariah
2012
1.42%
2013
1.13%
2014
1.04%
2010
2.14%
Bank
2011
2.12%
BRI Syariah
2012
1.84%
2013
3.26%
2014
3.65%
2010
3.80%
Bank
2011
1.74%
Bukopin Syariah
2012
4.59%
2013
4.27%
2014
4.07%
2010
1.29%
Bank
2011
2.42%
Mandiri Syariah
2012
2.82%
2013
2.29%
2014
4.29%
2010
0%
Maybank Syariah
2011
0%
2012
1.25%
85
Bank
Mega Syariah
Bank Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria Syariah
2013
2014
2010
2011
2012
2013
2014
0%
4.29%
3.52%
3.03%
2.67%
2.98%
3.89%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
3.51%
1.78%
1.81%
1.56%
4.85%
0%
0.82%
0.19%
0.77%
0.29%
0%
1.94%
2.41%
3.31%
4.75%
86
Data Variabel FDR
FDR = Jumlah Pembiayaan yang Diberikan/DPK × 100%
Bank
Tahun Jumlah Pembiayaan
Dana Simpanan
yang Diberikan
Masyarakat (Rp)
(Rp)
2010
433,010,000,000
556,780,000,000
Bank
2011
680,900,000,000
864,100,000,000
BCA Syariah 2012
1,007,700,000,000 1,261,800,000,000
2013
1,421,600,000,000 1,703,000,000,000
2014
2,132,300,000,000 2,338,709,000,000
2010
1,603,000,000,000 1,322,000,000,000
Bank
2011
1,766,000,000,000 2,218,533,000,000
Jabar Banten
2012
2,984,710,000,000 3,392,073,000,000
Syariah
2013
3,606,528,000,000 3,702,683,000,000
2014
4,437,378,000,000 5,279,426,000,000
2010
3,558,485,000,000 5,162,728,000,000
Bank
2011
5,310,292,000,000 6,756,262,000,000
BNI Syariah
2012
7,631,994,000,000 8,980,036,000,000
2013
11,242,241,000,000 11,488,209,000,000
2014
15,755,634,000,000 17,021,530,000,000
2010
5,527,081,000,000 5,096,597,000,000
Bank
2011
9,170,300,000,000 9,906,412,000,000
BRI Syariah
2012
11,403,000,000,000 11,948,889,000,000
2013
14,167,362,000,000 13,794,869,000,000
2014
15,691,430,000,000 16,711,516,000,000
2010
1,611,773,371,819 1,621,913,387,702
Bank
2011
1,917,219,649,518 2,291,737,724,902
Bukopin
2012
2,631,020,754,705 2,850,783,990,658
Syariah
2013
3,281,655,000,000 3,272,263,000,000
2014
3,710,720,000,000 3,994,957,000,000
2010
23,968,000,000,000 28,998,000,000,000
Bank
2011
36,727,000,000,000 42,618,000,000,000
Mandiri
2012
44,755,000,000,000 47,409,000,000,000
Syariah
2013
50,650,982,725,749 56,689,013,953,055
2014
49,330,826,917,538 60,062,877,790,246
FDR
(%)
77.77%
78.80%
79.86%
83.48%
91.17%
121.26%
79.60%
87.99%
97.40%
84.05%
68.93%
78.60%
84.99%
97.86%
92.56%
108.45%
92.57%
95.43%
102.70%
93.90%
99.37%
83.66%
92.29%
100.29%
92.89%
82.65%
86.18%
94.40%
89.35%
82.13%
87
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
605,511,000,000
998,602,000,000
1,372,076,000,000
1,492,920,000,000
1,645,655,000,000
3,154,177,000,000
4,094,797,000,000
6,213,570,000,000
7,185,390,000,000
5,455,672,000,000
355,374,000,000
349,848,000,000
710,726,000,000
976,618,000,000
1,043,046,000,000
4,040,980,000,000
4,933,556,000,000
7,108,754,000,000
7,736,248,000,000
5,881,057,000,000
170.39%
285.44%
193.05%
152.87%
157.77%
78.05%
83.00%
87.41%
92.88%
92.77%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
15,917,690,000,000
22,469,190,000,000
32,861,440,000,000
41,786,710,000,000
43,086,720,000,000
215,972,000,000
684,118,000,000
1,515,421,000,000
2,594,825,000,000
4,736,314,000,000
28,190,000,000
214,280,000,000
476,814,000,000
860,000,000,000
1,128,700,000,000
17,393,440,000,000
26,766,900,000,000
34,903,830,000,000
41,790,360,000,000
51,206,270,000,000
309,765,000,000
419,772,000,000
1,223,290,000,000
2,870,310,000,000
5,076,082,000,000
167,000,000,000
465,036,000,000
646,324,000,000
1,015,000,000,000
1,185,686,000,000
91.52%
83.94%
94.15%
99.99%
84.14%
69.72%
162.97%
123.88%
90.40%
93.31%
16.88%
46.08%
73.77%
84.73%
95.19%
88
Data Variabel BOPO
BOPO = Biaya Operasional/Pendapatan Operasional × 100%
Bank
Tahun Biaya Operasional PendapatanOperasional BOPO
(Rp)
(Rp)
(%)
2010
45,659,989,628
29,681,217,764 153.83%
Bank
2011
57,507,027,956
63,155,202,850
91.06%
BCA
2012
78,540,370,892
81,086,363,381
96.86%
Syariah
2013
94,816,618,471
95,826,881,084
98.95%
2014
61,100,000,000
72,200,000,000
84.63%
2010
77,347,000,000
85,582,000,000
90.38%
Bank
2011
135,755,000,000
161,479,000,000
84.07%
Jabar
2012
199,973,000,000
220,660,000,000
90.62%
Banten
2013
247,619,000,000
292,042,000,000
84.79%
Syariah
2014
359,243,000,000
394,680,000,000
91.02%
2010
265,890,000,000
251,975,000,000 105.52%
Bank
2011
497,499,000,000
531,731,000,000
93.56%
BNI
2012
759,674,000,000
729,459,000,000 104.14%
Syariah
2013
886,649,000,000
1,061,877,000,000
83.50%
2014
1,212,728,000,000
1,435,051,000,000
84.51%
2010
464,033,000,000
456,695,000,000 101.61%
Bank
2011
674,794,000,000
679,865,000,000
99.25%
BRI
2012
848,842,000,000
979,877,000,000
86.63%
Syariah
2013
931,290,000,000
1,111,030,000,000
83.82%
2014
1,135,345,000,000
1,145,232,000,000
99.14%
2010
89,106,184,690
95,583,106,225
93.22%
Bank
2011
92,851,293,290
101,682,831,101
91.31%
Bukopin
2012
129,761,295,481
137,953,693,767
94.06%
Syariah
2013
168,605,633,523
172,563,163,951
97.71%
2014
167,680,738,691
171,279,629,866
97.90%
2010
1,904,196,760,733
3,334,614,060,535
57.10%
Bank
2011
2,657,982,855,110
3,072,468,886,992
86.51%
Mandiri
2012
3,175,406,873,647
3,909,974,353,870
81.21%
Syariah
2013
4,490,085,839,840
4,550,328,403,205
98.68%
89
Maybank
Syariah
Bank
Mega
Syariah
Bank
Muamalat
Indonesia
Bank
Panin
Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
4,973,434,741,750
58,576,000,000
53,749,000,000
65,337,000,000
76,304,000,000
76,233,000,000
832,472,629,000
925,065,060,000
1,102,475,774,000
1,573,861,241,000
1,159,087,365,000
981,528,000,000
1,130,574,000,000
1,399,811,000,000
2,318,995,338,000
2,009,077,869,000
24,202,332,000
34,693,038,000
48,167,131,000
108,675,581,000
166,681,567,000
14,090,000,000
27,619,000,000
38,699,000,000
50,444,000,000
74,328,000,000
4,097,812,299,645
170,128,000,000
93,858,000,000
121,542,000,000
134,281,000,000
146,623,000,000
785,788,200,000
823,130,102,000
1,114,805,422,000
1,341,017,205,000
967,231,288,000
1,123,240,000,000
1,319,908,000,000
1,657,035,000,000
2,553,462,300,000
2,176,139,359,000
13,329,219,000
47,867,651,000
94,883,465,000
137,750,153,000
264,191,337,000
16,824,000,000
31,965,000,000
43,999,000,000
54,890,000,000
51,690,000,000
121.37%
34.43%
57.27%
53.76%
56.82%
51.99%
105.94%
112.38%
98.89%
117.36%
119.84%
87.38%
85.66%
84.48%
90.82%
92.32%
181.57%
72.48%
50.76%
78.89%
63.09%
83.75%
86.40%
87.95%
91.90%
143.80%
90
Bank
Bank
BCA Syariah
Bank
Jabar Banten
Syariah
Bank
BNI Syariah
Bank
BRI Syariah
Bank
Bukopin
Syariah
Bank
Mandiri
Syariah
Data Variabel CSR
CSR = Biaya Promosi/Biaya Operasional × 100%
Tahun
BiayaPromosi
BiayaOperasional
(Rp)
(RP)
657,805,314
45,659,989,628
2010
805,817,495
57,507,027,956
2011
2012
1,203,261,557
78,540,370,892
649,262,293
94,816,618,471
2013
1,064,000,000
61,100,000,000
2014
1,932,000,000
77,347,000,000
2010
1,838,000,000
135,755,000,000
2011
1,848,000,000
199,973,000,000
2012
2013
7,062,000,000
247,619,000,000
13,947,000,000
359,243,000,000
2014
16,229,000,000
265,890,000,000
2010
30,706,000,000
497,499,000,000
2011
50,420,000,000
759,674,000,000
2012
46,928,000,000
886,649,000,000
2013
59,685,000,000
1,212,728,000,000
2014
30,972,000,000
464,033,000,000
2010
26,923,000,000
674,794,000,000
2011
12,399,000,000
848,842,000,000
2012
27,614,000,000
931,290,000,000
2013
29,333,000,000
1,135,345,000,000
2014
2,058,483,631
89,106,184,690
2010
2011
1,708,916,830
92,851,293,290
3,169,108,727
129,761,295,481
2012
4,820,709,776
168,605,633,523
2013
4,181,842,055
167,680,738,691
2014
84,995,578,055
1,904,196,760,733
2010
108,094,367,845
2,657,982,855,110
2011
2012
107,456,048,129
3,175,406,873,647
81,184,744,703
4,490,085,839,840
2013
CSR
(%)
1.44%
1.40%
1.53%
0.68%
1.74%
2.50%
1.35%
0.92%
2.85%
3.88%
6.10%
6.17%
6.64%
5.29%
4.92%
6.67%
3.99%
1.46%
2.97%
0.43%
2.31%
1.84%
2.44%
2.86%
2.49%
4.46%
4.07%
8.92%
8.92%
91
Maybank
Syariah
Bank
Mega Syariah
Bank
Muamalat
Indonesia
Bank
Panin Syariah
Bank
Victoria
Syariah
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
55,512,477,284
1,138,000,000
1,117,000,000
1,021,000,000
1,279,000,000
2,006,000,000
6,466,000,000
9,655,000,000
10,282,000,000
8,175,000,000
6,077,000,000
4,973,434,741,750
58,576,000,000
53,749,000,000
65,337,000,000
76,304,000,000
76,233,000,000
832,472,629,000
925,065,060,000
1,102,475,774,000
1,573,861,241,000
1,159,087,365,000
1.12%
1.94%
2.08%
1.56%
9.00%
8.23%
0.78%
1.04%
9.29%
0.52%
0.52%
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
42,865,000,000
47,290,000,000
59,548,000,000
75,240,565,000
70,810,982,000
184,859,000
254,889,000
330,796,000
1,187,588,000
4,097,513,000
126,000,000
199,000,000
146,000,000
407,000,000
1,733,000,000
981,528,000,000
1,130,574,000,000
1,399,811,000,000
2,318,995,338,000
2,009,077,869,000
24,202,332,000
34,693,038,000
48,167,131,000
108,675,581,000
166,681,567,000
14,090,000,000
27,619,000,000
38,699,000,000
50,444,000,000
74,328,000,000
4.37%
4.18%
4.25%
3.24%
0.43%
0.76%
9.29%
0.69%
1.09%
9.32%
0.89%
1.99%
0.38%
0.40%
0.39%
92
Lampiran 3
Hasil Pengolahan Data
Analisis Deskriptif
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
CAR
55
.1110
.7639
.265739
.1872828
NPF
55
.0000
.0485
.020449
.0147999
FDR
55
.1688
2.8544
.982705
.3804820
BOPO
55
.3443
1.8157
.912165
.2436720
CSR
55
.0038
.0932
.032536
.0279174
ROA
55
-.0229
.0429
.011145
.0114664
Valid N (listwise)
55
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Normalitas
93
Sumber: Hasil Penelitian, 2015 (Data diolah)
Sumber: Hasil Penelitian, 2015 (Data diolah)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parametersa,,b
55
Mean
Std. Deviation
Most Extreme Differences
.0000000
.00743984
Absolute
.151
Positive
.151
Negative
-.087
94
Kolmogorov-Smirnov Z
1.122
Asymp. Sig. (2-tailed)
.161
a. Test distribution is Normal.
b. Calculated from data.
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Autokorelasi
Model
1
Durbin-Watson
1.787
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Heteroskedastisitas
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Multikolinearitas
Collinearity Statistics
Model
1
Tolerance
VIF
(Constant)
CAR
.492
2.032
NPF
.612
1.634
95
FDR
.555
1.800
BOPO
.626
1.597
CSR
.845
1.183
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Statistik F
ANOVAb
Model
1
Sum of Squares
Df
Mean Square
Regression
.004
5
.001
Residual
.003
49
.000
Total
.007
54
F
Sig.
13.479
.000a
a. Predictors: (Constant), CSR, CAR, BOPO, NPF, FDR
b. Dependent Variable: ROA
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Statistik T
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
Std. Error
(Constant)
.027
.008
CAR
.024
.008
NPF
.145
.092
Beta
T
Sig.
3.601
.001
.398
3.014
.004
.187
1.576
.122
96
FDR
-.002
.004
-.063
-.506
.615
BOPO
-.029
.006
-.618
-5.279
.000
.084
.041
.206
2.039
.047
CSR
Sumber: Hasil Penelitian, 2015 (Data diolah)
Uji Determinasi (R2)
Model Summaryb
Std. Error of the
Model
1
R
R Square
.761a
Adjusted R Square
.579
.536
Estimate
.0078102
Durbin-Watson
1.787
a. Predictors: (Constant), CSR, CAR, BOPO, NPF, FDR
b. Dependent Variable: ROA
Sumber: Hasil Penelitian, 2015 (Data diolah)
97