Lampiran 6: Hasil Statistik Deskriptif Lampiran 7: Hasil Uji Asumsi Klasik Lampiran 8: Hasil Uji Regresi Linier Berganda Lampiran 9: Hasil Uji Independent Sampel T-Test

  

LAMPIRAN

Lampiran 1: Data Jumlah Penyaluran Kredit Masing-masing Bank Umum

Periode 2012-2015 (Dalam Jutaan Rupiah) Lampiran 2:

  Daftar Bank Syari’ah yang Menyalurkan Kredit Periode 2012-2015 (Dalam Jutaan Rupiah) Lampiran 3: ROA pada Bank Umum Periode 2012-2015 Lampiran 4:

  ROA pada Bank Syari’ah Periode 2012-2015

Lampiran 5: Rata-Rata Tingkat Suku Bunga yang Dikeluarkan oleh Bank

Indonesia Periode 2012-2015 Lampiran 6: Hasil Statistik Deskriptif Lampiran 7: Hasil Uji Asumsi Klasik Lampiran 8: Hasil Uji Regresi Linier Berganda Lampiran 9: Hasil Uji Independent Sampel T-Test

  65

  66 Lampiran 1

  13 BBTN Rp 74.621.792 Rp 91.378.847 Rp 104.905.865 Rp 126.006.434

  24 BNBA Rp 2.225.685 Rp 2.821.070 Rp 3.528.240 Rp 4.293.193

  23 BMRI Rp 370.570.356 Rp 450.634.798 Rp 505.394.870 Rp 564.393.595

  22 BMAS Rp 2.684.516 Rp 2.947.118 Rp 3.128.316 Rp 4.036.269

  21 BKSW Rp 3.168.908 Rp 8.197.682 Rp 15.093.659 Rp 20.788.304

  20 BJTM Rp 18.300.663 Rp 21.558.708 Rp 25.544.263 Rp 27.423.746

  19 BJBR Rp 34.768.723 Rp 44.289.060 Rp 48.028.161 Rp 54.368.172

  18 BINA Rp 1.083.551 Rp 1.052.068 Rp 1.249.168 Rp 1.454.018

  17 BGTB Rp 1.195.847 Rp 1.258.972 Rp 1.210.502 Rp 1.233.006

  16 BDMD Rp 116.583.000 Rp 135.383.000 Rp 139.057.000 Rp 129.367.000

  15 BCIC Rp 10.946.347 Rp 10.128.316 Rp 7.234.672 Rp 9.176.579

  14 BBYB Rp 1.955.952 Rp 1.517.507 Rp 2.006.304 Rp 2.638.006

  12 BBRI Rp 336.081.042 Rp 448.344.856 Rp 510.696.841 Rp 581.094.544

  Data Jumlah Penyaluran Kredit dari Masing-masing Bank Umum pada Periode 2012 – 2015 (Dalam Jutaan Rupiah) NO KODE BANK TAHUN 2012 2013 2014 2015

  11 BBNP Rp 5.824.393 Rp 6.988.226 Rp 6.631.713 Rp 6.376.518

  10 BBNI Rp 193.834.670 Rp 243.757.807 Rp 270.651.986 Rp 314.066.531

  9 BBMD Rp 5.114.000 Rp 5.907.000 Rp 6.454.000 Rp 6.998.000

  8 BBKP Rp 44.594.681 Rp 47.663.059 Rp 5 0.959.839 Rp 60.864.840

  7 BBHI Rp 1.156.640 Rp 1.208.134 Rp 1.504.834 Rp 1.454.447

  6 BBCA Rp 252.761.000 Rp 306.679.000 Rp 339.859.000 Rp 378.616.000

  5 BACA Rp 2.813.287 Rp 3.734.689 Rp 4.729.920 Rp 6.044.761

  4 BABP Rp 5.043.065 Rp 5.378.179 Rp 6.128.833 Rp 7.047.265

  3 ARTO Rp 313.713 Rp 431.396 Rp 5 45.471 Rp 466.162

  2 AGRS Rp 796.949 Rp 1.758.224 Rp 2.438.290 Rp 2.745.252

  1 AGRO Rp 243.777 Rp 3.599.255 Rp 4.593.675 Rp 5.912.690

  25 BNGA Rp 141.644.823 Rp 145.808.969 Rp 169.380.619 Rp 163.682.732

KODE BANK TAHUN 2012 2013 2014 2015

  35 MEGA Rp 26.650.298 Rp 30.109.660 Rp 33.614.359 Rp 32.398.116

  Sumbe20015

  40 SDRA Rp 5.203.977 Rp 6.120.888 Rp 11.306.632 Rp 13.775.638

  39 PNBN Rp 91.651.941 Rp 103.071.931 Rp 111.944.302 Rp 117.743.573

  38 NOBU Rp 411.606 Rp 1.234.019 Rp 2.392.687 Rp 3.466.264

  37 NISP Rp 51.874.088 Rp 62.706.614 Rp 66.933.612 Rp 84.040.768

  36 NAGA Rp 418.163 Rp 613.207 Rp 877.366 Rp 1.068.335

  67 NO

  26 BNII Rp 75.035.586 Rp 94.500.410 Rp 96.755.697 Rp 102.330.246

  33 MAYA Rp 12.079.060 Rp 17.568.210 Rp 26.942.815 Rp 34.099.343

  32 INPC Rp 15.212.135 Rp 15.352.474 Rp 17.018.062 Rp 17.112.628

  31 DNAR Rp 241.594 Rp 491.274 Rp 856.047 Rp 1.136.020

  30 BVIC Rp 7.580.958 Rp 11.057.798 Rp 12.245.677 Rp 12.824.744

  29 BTPN Rp 38.995.514 Rp 46.223.214 Rp 52.100.975 Rp 58.710.409

  28 BSWD Rp 1.825.422 Rp 2.547.310 Rp 3.129.866 Rp 3.401.455

  27 BNLI Rp 122.830.812 Rp150.169.207 Rp 157.876.854 Rp 157.713.808

  34 MCOR Rp 4.525.245 Rp 5.483.875 Rp 6.884.866 Rp 7.231.871

NO KODE BANK TAHUN 2012 2013 2014 2015

  68 Lampiran 2

  

Daftar Bank Syari’ah yang menyalurkan kredit (Dalam Jutaan

Rupiah)

  1 BCA Syari'ah Rp 464.425 Rp 734.635 Rp 1.000.037 Rp 1.331.100

  2 BNI Syari'ah Rp 1.253.595 Rp 1.768.300 Rp 2.421.699 Rp 3.358.807

  3 BRI Syari'ah Rp 2.597.083 Rp 3.970.205 Rp 4.881.619 Rp 6.068.912

  4 BJB Syari'ah Rp 1.070.668 Rp 1.247.135 Rp 1.257.249 Rp 1.043.434

  5 Muamalat Rp14.805.384 Rp20.898.945 Rp21.273.143 Rp21.245.145

  6 Panin Syari'ah Rp 747.315 Rp 1.350.047 Rp 4.117.127 Rp 5.092.751

  7 Bukopin Syari'ah Rp 1.445.511 Rp 1.072.100 Rp 1.433.741 Rp 2.038.304

  8 Syari'ah Mandiri Rp10.210.577 Rp10.752.404 Rp10.337.084 Rp13.111.451

  9 Syari'ah Mega Rp 33.275 Rp 41.907 Rp 39.552 Rp 57.610

  10 Victoria Syari'ah Rp 158.328 Rp 275.052 Rp 585.404 Rp 708.412

  Sumber: website resmi, 2012-2015

  Lampiran 3 ROA pada Bank Umum di Periode 2012 – 2015 NO KODE BANK ROA PADA TAHUN ROA2012 ROA2013 ROA2014 ROA2015

  16 BDMD 2,70% 2,50% 1,40% 1,20%

  27 BNLI 1,70% 1,60% 1,20% 0,20%

  26 BNII 1,64% 1,74% 0,68% 1,01%

  0,24%

  25 BNGA 3,18% 2,76% 1,44%

  24 BNBA 2,47% 2,05% 1,52% 1,33%

  23 BMRI 3,55% 3,66% 3,57% 3,15%

  22 BMAS 1,00% 1,11% 0,82% 1,10%

  21 BKSW -0,81% 0,09% 1,05% 0,87%

  20 BJTM 3,34% 3,82% 3,52% 2,67%

  19 BJBR 2,46% 2,61% 1,92% 2,04%

  18 BINA 1,05% 1,29% 0,80% 1,22%

  17 BGTB 0,65% 0,99% 0,21% 0,36%

  15 BCIC 1,06% -7,58% -4,97% -5,37%

  1 AGRO 1,63% 1,66% 1,53% 1,55%

  14 BBYB 0,50% 0,69% 0,69% 1,16%

  13 BBTN 1,94% 1,79% 1,14% 1,61%

  12 BBRI 5,15% 5,03% 4,73% 4,19%

  11 BBNP 1,57% 1,58% 1,32% 0,99%

  10 BBNI 2,90% 3,40% 3,50% 2,60%

  9 BBMD 5,05% 5,42% 3,86% 3,53%

  8 BBKP 1,83% 1,78% 1,23% 1,39%

  7 BBHI 1,67% 1,01% 0,94% -2,82%

  6 BBCA 3,60% 3,80% 3,90% 3,80%

  5 BACA 1,32% 1,59% 1,33% 1,10%

  4 BABP 0,09% -0,93% -0,82% 0,10%

  3 ARTO 0,19% 0,58% 0,25% 0,01%

  2 AGRS 0,51% 0,77% 0,26% 0,17%

  28 BSWD 3,14% 3,80% 3,36% -0,77%

  Lanjutan Lampiran 3 ROA pada Bank Umum di Periode 2012

• – 2015 NO KODE BANK ROA PADA TAHUN ROA2012 ROA2013 ROA2014 ROA2015

  29 BTPN 4,70% 4,50% 3,60% 3,10%

  30 BVIC 2,17% 1,99% 0,80% 0,65%

  31 DNAR 1,74% 1,46% 0,32% 1,00%

  32 INPC 0,66% 1,39% 0,79% 0,33%

  33 MAYA 2,41% 2,53% 1,95% 2,10%

  34 MCOR 2,04% 1,74% 0,79% 1,03%

  35 MEGA 2,74% 1,14% 1,16% 1,97%

  36 NAGA 0,52% 0,71% 0,59% 0,39%

  37 NISP 1,79% 1,81% 1,79% 1,68%

  38 NOBU 0,59% 0,78% 0,43% 0,38%

  39 PNBN 1,96% 1,85% 2,23% 1,31%

  40 SDRA 2,78% 2,23% 2,81% 1,94%

  Sumber: website resmi, 2012-2005

  Lampiran 4 ROA pada Bank Syari’ah di Periode 2012 – 2015 NO NAMA BANK ROA PADA TAHUN ROA2012 ROA2013 ROA2014 ROA2015

  1 BCA Syari'ah 0,80% 1,00% 0,80% 1,00%

  2 BNI Syari'ah 1,48% 1,37% 1,27%

  1,43%

  3 BRI Syari'ah 1,19% 1,15% 0,08% 0,76%

  4 BJB Syari'ah -0,59% 0,91% 0,72% 0,25%

  5 Muamalat 0,20% 0,27% 0,17% 0,20%

  6 Panin Syari'ah 3,48% 1,03% 1,99% 1,14%

  7 Bukopin Syari'ah 0,55% 0,69% 0,27% 0,79%

  8 Syari'ah Mandiri 3,70% 3,16% 2,54% 2,84%

  9 Syari'ah Mega 3,81% 2,33% 0,29% 0,30%

  10 Victoria Syari'ah 1,43% 0,50% -1,87% -2,36%

  Sumber: website resmi, 2012-2005

  Lampiran 5 Rata-rata Tingkat Suku Bunga yang Dikeluarkan oleh Bank Indonesia Periode 2012 – 2015 Tahun 2012 2013 2014 2015

SBI 6,79% 7,52% 7,54% 6,48%

Perubahan - 0,73% 0,02% -1,06%

  Sumbe20015

  Lampiran 6 Output Statistik Deskriptif pada Bank Umum

Descriptive Statistics

  N Range Minimum Maximum Mean Std. Deviation Std. Error 314042371 241594274 314066531000 83803598438 21340754346 269941562879

  KRDU 160 5725275 725 0000 241 140 761 SBI 160 ,010 ,065 ,075 ,07075 ,000347 ,004394 ROA 160 ,130 -,076 ,054 ,01573 ,001345 ,017011 UMUM Valid N

  160 (listwise)

  Sumber : Data olahan output SPSS 20.0 , 2017 Output Statistik Deskriptif pada Bank Syari’ah

  

Descriptive Statistics

N Range Minimum Maximum Mean Std.

  Deviation Stati Statistic Statistic Statistic Statistic Std. Error Statistic stic

  21239867981 33275692 21273143673 438498696 96674556 611423581 PEMBIAYAAN

  40 000 000 000 1725 6439 5636 SBI 40 ,0106 ,0648 ,0754 ,070825 ,0007378 ,0046665 ROASYARIAH 40 ,0617 -,0236 ,0381 ,010267 ,0020204 ,0127780 Valid N (listwise)

40 Sumber : Data olahan output SPSS 20.0, 2017

  Lampiran 7 Uji Asumsi Klasik Uji Normalitas Pada Bank Umum

One-Sample Kolmogorov-Smirnov Test

  

One-Sample Kolmogorov-Smirnov Test

  b. Calculated from data.

  Kolmogorov-Smirnov Z 1,135 Asymp. Sig. (2-tailed) ,152 a. Test distribution is Normal.

  Most Extreme Differences Absolute ,092 Positive ,092 Negative -,055

  0E-7 Std. Deviation ,01054597

  Normal Parameters ^a,b Mean

  N 151

  Unstandardized Residual

  Sumber : Data olahan output SPSS 20.0, 2017 Uji Normalitas Pada Bank Umum Setelah Melakukan Scatter/Dot

  Unstandardized Residual

  b. Calculated from data.

  Kolmogorov-Smirnov Z 1,674 Asymp. Sig. (2-tailed) ,007 a. Test distribution is Normal.

  Absolute ,132 Positive ,094 Negative -,132

  Most Extreme Differences

  0E-7 Std. Deviation ,01536461

  Normal Parameters ^a,b Mean

  N 160

   Sumber : Data olahan output SPSS 20.0, 2017 a. Dependent Variable: ROASYARIAH

  ,963 ,997 1,003

  VIF

  1 (Constant) ,004 ,048 ,088 ,930 LN_PEMBIAYAAN ,000 ,001 ,037 ,226 ,822 ,997 1,003 SBI -,021 ,451 -,008

  VIF

  B Std. Error Beta Tolerance

  T Sig. Collinearity Statistics

  Standardized Coefficients

  Model Unstandardized Coefficients

  Sumber : Data olahan output SPSS 20.0, 2017

  Sumber : Data olahan output SPSS 20.0, 2017 Uji Multikolinieritas Bank Syari’ah

  a. Dependent Variable: ROAUMUM

  1 (Constant) -,109 ,027 -4,044 ,000 LN_KRDU ,004 ,001 ,425 5,896 ,000 1,000 1,000 SBI ,254 ,279 ,066 ,909 ,365 1,000 1,000

  B Std. Error Beta Tolerance

  Uji Normalitas Bank Syari’ah One-Sample Kolmogorov-Smirnov Test

  Standardized Coefficients t Sig. Collinearity Statistics

  Model Unstandardized Coefficients

  

Coefficients

^a

  Sumber : Data olahan output SPSS 20.0, 2017 Uji Multikolonieritas Bank Umum

  Kolmogorov-Smirnov Z 1,013 Asymp. Sig. (2-tailed) ,257

  Most Extreme Differences Absolute ,160 Positive ,160 Negative -,149

  0E-7 Std. Deviation ,01276855

  40 Normal Parameters ^a,b Mean

  N

  Unstandardized Residual

• ,046

  Uji Autokorelasi Menggunakan DW-test Bank Umum Sumber : Data olahan output SPSS 20.0 , 2017

  Uji Autokorelasi Menggunakan DW – Test Bank Syari’ah

Model Summary

^b

  Model R R Square Adjusted R Square

  Std. Error of the Estimate

  Durbin-Watson 1 ,038 ^a ,001 -,052 ,0131091 1,600

  a. Predictors: (Constant), SBI, LN_PEMBIAYAAN

  b. Dependent Variable: ROASYARIAH

  Sumber : Data olahan output SPSS 20.0 , 2017 Model Summary ^b

  Model R R Square Adjusted R Square

  Std. Error of the Estimate

  Durbin-Watson 1 ,429 ^a ,184 ,174 ,015462 1,820

  a. Predictors: (Constant), SBI, LN_KRDU

  b. Dependent Variable: ROAUMUM

  Uji Heteroskedastisitas dengan Uji Glejser pada Bank Umum _a Coefficients Model Unstandardized Coefficients Standardized t Sig.

  Coefficients B Std. Error Beta

  (Constant) -,007 ,021 -,349 ,728

  1 LN_KRDU ,000 ,000 ,075 ,938 ,350 SBI ,053 ,216 ,020 ,245 ,806

  a. Dependent Variable: ABSRES

  Sumber : Data olahan output SPSS 20.0 , 2017 Glejser

  Uji Heteroskedastisitas dengan Uji _a pada Bank Syari’ah

Coefficients

Model Unstandardized Coefficients Standardized t Sig.

  Coefficients B Std. Error Beta

  (Constant) ,032 ,033 ,951 ,348

  1 LN_PEMBIAYAAN ,000 ,001 -,041 -,251 ,803 SBI -,240 ,316 -,124 -,757 ,454

  a. Dependent Variable: ABSRES

  Sumber : Data olahan output SPSS 20.0

  Lampiran 8 Uji Regresi Linier Berganda Bank Umum _a Coefficients Model Unstandardized Standardized t Sig.

  Coefficients Coefficients B Std. Error Beta

  (Constant) -,098 ,019 -5,131 ,000 LN_KRDU ,003 ,000 ,523 7,513 ,000 SBI ,274 ,199 ,096 1,377 ,170

  Sumber : Data sekunder yang sudah di olah, 2017 Uji Regresi Linier Berganda Bank Syari’ah _a

  

Coefficients

Model Unstandardized Coefficients Standardized t Sig.

  Coefficients B Std. Error Beta

  (Constant) ,004 ,048 ,088 ,930

  1 LN_PEMBIAYAAN ,000 ,001 ,037 ,226 ,822 SBI -,021 ,451 -,008 -,046 ,963

  a. Dependent Variable: ROASYARIAH

  Sumber : Data sekunder yang sudah di olah, 2017

  Lampiran 9 Uji Independet Sample T Test

Group Statistics

  KREDIT N Mean Std. Deviation Std. Error Mean BU 160 30,2101 2,03848 ,16116

  LN_KRD BS 40 28,0167 1,76163 ,27854

  

Independent Samples Test

  Levene's t-test for Equality of Means Test for

  Equality of Variances

  F Sig. T Df Sig. (2- Mean Std. Error 95% Confidence tailed) Difference Difference Interval of the Difference

  Lower Upper Equal variances 4,495 ,035 6,244 198 ,000 2,19336 ,35126 1,50068 2,88604 assumed

  LN_ Equal

  KRD variances 67,62 6,816 ,000 2,19336 ,32180 1,55115 2,83556 not

  2 assumed

  Sumber : Data sekunder yang diolah, 2017