Pemgaruh Rasio Likuiditas, Rasio Rentabilitas, Dan Rasio Solvabilitas Terhadap Pengambilan Keputusan Kredit Pada PT. Bank Danamon Indonesia, Tbk Cabang Iskandar Muda Medan
Lampiran 1
KREDIT INVESTASI SELAMA TAHUN 2012
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Kredit Investasi
250,000,000.00
210,000,000.00
300,000,000.00
300,000,000.00
60,000,000.00
400,000,000.00
70,000,000.00
500,000,000.00
100,000,000.00
300,000,000.00
85,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
190,000,000.00
250,000,000.00
125,000,000.00
60,000,000.00
50,000,000.00
150,000,000.00
400,000,000.00
100,000,000.00
500,000,000.00
275,000,000.00
200,000,000.00
250,000,000.00
500,000,000.00
300,000,000.00
200,000,000.00
200,000,000.00
75,000,000.00
500,000,000.00
200,000,000.00
90,000,000.00
1
Lampiran 2
DATA CURRENT RATIO
(Current Asset/Current Liabilties)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Current Asset
927,250,000.00
443,000,000.00
836,945,440.00
852,300,000.00
584,906,250.00
542,033,453.10
111,370,000.00
1,069,000,000.00
231,000,000.00
942,865,875.00
249,040,000.00
250,050,000.00
118,600,000.00
166,125,000.00
661,790,250.00
927,250,000.00
597,619,350.00
156,890,900.00
124,967,808.87
400,050,000.00
897,676,875.00
404,100,000.00
476,652,410.00
586,206,000.00
714,968,725.00
673,117,350.00
486,789,600.76
956,000,000.00
835,000,087.00
305,678,000.00
150,789,000.79
701,560,000.00
415,000,000.00
198,000,000.00
Current Liabilities
250,000,000.00
200,000,000.00
325,280,000.00
300,000,000.00
93,750,000.00
408,465,300.00
70,000,000.00
500,000,000.00
120,000,000.00
312,725,000.00
88,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
222,750,000.00
250,000,000.00
151,950,000.00
87,987,098.00
49,800,000.00
150,000,000.00
412,725,000.00
150,000,000.00
328,725,800.00
261,000,000.00
212,725,000.00
401,567,800.00
128,900,000.00
325,000,000.00
215,000,000.00
210,768,000.00
78,090,000.00
330,567,890.00
204,450,000.00
100,000,000.00
Current Ratio
3.709
2.215
2.573
2.841
6.239
1.327
1.591
2.138
1.925
3.015
2.830
1.667
1.186
2.215
2.971
3.709
3.933
1.783
2.509
2.667
2.175
2.694
1.450
2.246
3.361
1.676
3.776
2.942
3.884
1.450
1.931
2.122
2.030
1.980
Lampiran 3
DATA CASH RATIO
(Cash+ Marketable Securities/Current Liabilties)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Cash
140,567,008.89
63,568,980.00
106,754,898.00
210,565,443.00
162,343,209.00
257,890,988.00
45,676,545.00
214,565,458.00
77,565,435.00
304,512,311.00
78,909,908.00
22,456,653.00
56,987,456.00
11,234,356.00
108,675,645.91
495,678,676.87
259,876,564.87
123,456,546.63
167,656,898.49
176,878,980.56
163,545,678.82
127,876,556.76
221,345,654.85
162,345,784.76
176,453,123.84
265,432,675.49
329,856,766.54
789,056,321.89
298,654,365.53
165,436,758.47
78,909,865.45
231,456,543.76
321,345,432.67
54,323,456.87
Marketable Secutities
425,607,878.98
375,850,008.98
734,567,872.00
631,098,000.00
416,756,743.00
254,321,343.00
74,568,909.00
831,543,556.00
149,678,567.00
600,675,434.00
171,145,342.00
216,756,433.00
61,335,653.00
156,454,346.76
547,676,543.87
408,765,647.78
335,456,767.34
143,567,808.92
76,543,234.00
214,786,567.87
743,456,767.89
276,545,987.48
251,234,564.86
412,123,432.45
543,437,654.12
467,890,546.23
123,467,589.53
124,567,896.45
515,453,657.82
126,789,563.12
54,323,452.65
487,654,896.34
45,678,765.76
178,909,876.09
Current Liabilities
250,000,000.00
200,000,000.00
325,280,000.00
300,000,000.00
93,750,000.00
408,465,300.00
70,000,000.00
500,000,000.00
120,000,000.00
312,725,000.00
88,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
222,750,000.00
250,000,000.00
151,950,000.00
87,987,098.00
49,800,000.00
150,000,000.00
412,725,000.00
150,000,000.00
328,725,800.00
261,000,000.00
212,725,000.00
401,567,800.00
128,900,000.00
325,000,000.00
215,000,000.00
210,768,000.00
78,090,000.00
330,567,890.00
204,450,000.00
100,000,000.00
Cash Ratio
2.265
2.197
2.586
2.806
6.177
1.254
1.718
2.092
1.894
2.895
2.842
1.595
1.183
2.236
2.947
3.618
3.918
3.035
4.904
2.611
2.198
2.696
1.438
2.201
3.384
1.826
3.517
2.811
3.787
1.386
1.706
2.175
1.795
2.332
Lampiran 4
DATA RETURN ON ASSET
(Earning Before Tax/Total Asset
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Earning Before Tax
33,231,234.65
99,675,432.52
156,765,432.12
91,312,525.25
211,021,546.58
112,123,451.12
105,126,854.42
200,124,658.45
121,245,564.21
189,546,524.25
82,356,451.12
276,452,123.52
114,256,845.54
51,156,125.23
162,125,489.77
73,854,658.56
173,125,451.84
111,051,254.12
98,454,584.12
112,546,585.63
268,745,212.87
84,215,231.56
227,584,555.54
168,451,254.86
150,125,124.66
77,215,454.12
455,878,541.16
152,111,698.25
211,524,560.99
233,254,256.54
65,985,451.12
788,542,111.99
122,457,845.62
33,125,412.12
Total Asset
1,121,234,123.54
776,875,643.32
1,375,432,123.54
1,532,002,542.21
803,124,125.56
1,062,154,652.85
230,124,658.96
1,830,215,986.21
452,195,654.58
1,315,124,251.95
169,215,326.23
921,548,605.35
208,555,696.13
305,487,659.88
993,568,475.81
1,308,564,254.26
940,254,654.59
210,213,251.12
111,121,546.54
756,854,659.55
978,412,521.15
936,451,285.12
1,208,562,985.69
932,111,254.22
1,456,125,321.25
1,036,521,412.12
352,125,487.96
1,552,487,654.23
1,263,233,522.65
798,546,454.55
452,623,125.12
496,222,354.26
863,125,454.12
452,123,123.12
Return on Asset
0.030
0.128
0.114
0.060
0.263
0.106
0.457
0.109
0.268
0.144
0.487
0.300
0.548
0.167
0.163
0.056
0.184
0.528
0.886
0.149
0.275
0.090
0.188
0.181
0.103
0.074
1.295
0.098
0.167
0.292
0.146
1.589
0.142
0.073
Lampiran 5
DATA RETURN EQUITY
(Net Income/Total Equity)
Debitur
Net Income
Total Equity
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
34,512,326.12
77,735,125.95
126,321,654.65
71,212,154.11
184,125,698.54
90,142,361.12
81,001,234.19
180,365,110.10
123,129,015.11
168,215,326.12
623,125,123.26
254,213,654.18
187,546,851.65
30,478,065.48
143,546,521.32
31,254,125.12
150,142,012.06
56,854,326.13
45,600,510.36
85,213,123.18
258,650,965.08
63,120,150.80
220,520,356.06
148,264,321.09
135,645,623.01
563,120,120.52
430,152,135.12
132,125,001.08
196,120,540.10
203,154,216.14
85,125,601.27
768,210,543.20
103,412,532.18
92,654,321.06
875,212,321.23
577,451,212.12
1,044,125,121.00
1,225,412,365.16
711,642,583.55
660,143,211.65
286,451,365.56
1,325,001,540.16
389,000,100.32
1,314,125,123.13
3,258,456,876.86
765,140,850.75
421,325,890.77
231,054,001.25
771,452,154.21
1,054,620,154.12
780,106,230.30
154,236,850.09
254,362,120.85
560,365,000.01
1,456,123,000.00
923,012,001.54
1,296,452,123.36
681,245,612.18
1,546,213,542.19
3,765,213,452.10
263,125,362.17
1,254,362,000.21
1,036,425,000.23
587,654,321.30
602,552,003.08
826,003,124.53
654,320,512.04
362,125,006.63
Return on
Equity
0.039
0.135
0.121
0.058
0.259
0.137
0.283
0.136
0.317
0.128
0.191
0.332
0.445
0.132
0.186
0.030
0.192
0.369
0.179
0.152
0.178
0.068
0.170
0.218
0.088
0.150
1.635
0.105
0.189
0.346
0.141
0.930
0.158
0.256
Lampiran 6
DATA DEBT TO EQUITY RATIO
(Total Debt/Total Equity)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Total Debt
253,120,125.03
210,003,120.00
305,601,000.00
300,542,000.00
61,005,120.12
403,005,120.09
70,512,600.00
500,000,000.00
101,362,125.00
300,000,100.00
86,100,510.10
152,021,020.00
101,005,120.00
75,000,000.00
191,050,000.00
250,000,101.00
124,895,621.00
60,000,000.00
49,998,985.00
150,124,061.00
402,064,850.00
100,000,000.00
500,000,000.00
276,011,000.00
201,033,010.00
250,000,000.00
500,000,000.00
301,050,031.00
200,654,000.00
206,000,151.00
75,000,000.00
500,105,000.00
200,000,000.00
90,000,000.00
Total Equity
875,212,321.23
577,451,212.12
1,044,125,121.00
1,225,412,365.16
711,642,583.55
660,143,211.65
286,451,365.56
1,325,001,540.16
389,000,100.32
1,314,125,123.13
3,258,456,876.86
765,140,850.75
421,325,890.77
231,054,001.25
771,452,154.21
1,054,620,154.12
780,106,230.30
154,236,850.09
254,362,120.85
560,365,000.01
1,456,123,000.00
923,012,001.54
1,296,452,123.36
681,245,612.18
1,546,213,542.19
3,765,213,452.10
263,125,362.17
1,254,362,000.21
1,036,425,000.23
587,654,321.30
602,552,003.08
826,003,124.53
654,320,512.04
362,125,006.63
Debt to Equity Ratio
0.289
0.364
0.293
0.245
0.086
0.610
0.246
0.377
0.261
0.228
0.026
0.199
0.240
0.325
0.248
0.237
0.160
0.389
0.197
0.268
0.276
0.108
0.386
0.405
0.130
0.066
1.900
0.240
0.194
0.351
0.124
0.605
0.306
0.249
Lampiran 7
DATA DEBT TO ASSET RATIO
(Total Debt/Total Asset)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Total Debt
253,120,125.03
210,003,120.00
305,601,000.00
300,542,000.00
61,005,120.12
403,005,120.09
70,512,600.00
500,000,000.00
101,362,125.00
300,000,100.00
86,100,510.10
152,021,020.00
101,005,120.00
75,000,000.00
191,050,000.00
250,000,101.00
124,895,621.00
60,000,000.00
49,998,985.00
150,124,061.00
402,064,850.00
100,000,000.00
500,000,000.00
276,011,000.00
201,033,010.00
250,000,000.00
500,000,000.00
301,050,031.00
200,654,000.00
206,000,151.00
75,000,000.00
500,105,000.00
200,000,000.00
90,000,000.00
Total Asset
1,121,234,123.54
776,875,643.32
1,375,432,123.54
1,532,002,542.21
803,124,125.56
1,062,154,652.85
230,124,658.96
1,830,215,986.21
452,195,654.58
1,315,124,251.95
169,215,326.23
921,548,605.35
208,555,696.13
305,487,659.88
993,568,475.81
1,308,564,254.26
940,254,654.59
210,213,251.12
111,121,546.54
756,854,659.55
978,412,521.15
936,451,285.12
1,208,562,985.69
932,111,254.22
1,456,125,321.25
1,036,521,412.12
352,125,487.96
1,552,487,654.23
1,263,233,522.65
798,546,454.55
452,623,125.12
496,222,354.26
863,125,454.12
452,123,123.12
Debt to Asset Ratio
0.226
0.270
0.222
0.196
0.076
0.379
0.306
0.273
0.224
0.228
0.509
0.165
0.484
0.246
0.192
0.191
0.133
0.285
0.450
0.198
0.411
0.107
0.414
0.296
0.138
0.241
1.420
0.194
0.159
0.258
0.166
1.008
0.232
0.199
Lampiran 8
RASIO-RASIO KEUANGAN PT. BANK DANAMON INDONESIA, TBK
CABANG ISKANDAR MUDA MEDAN
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Kredit
Current
Investasi
Ratio
250,000,000.00
3.709
210,000,000.00
2.215
300,000,000.00
2.573
300,000,000.00
2.841
60,000,000.00
6.239
400,000,000.00
1.327
70,000,000.00
1.591
500,000,000.00
2.138
100,000,000.00
1.925
300,000,000.00
3.015
85,000,000.00
2.830
150,000,000.00
1.667
100,000,000.00
1.186
75,000,000.00
2.215
190,000,000.00
2.971
250,000,000.00
3.709
125,000,000.00
3.933
60,000,000.00
1.783
50,000,000.00
2.509
150,000,000.00
2.667
400,000,000.00
2.175
100,000,000.00
2.694
500,000,000.00
1.450
275,000,000.00
2.246
200,000,000.00
3.361
250,000,000.00
1.676
500,000,000.00
3.776
300,000,000.00
2.942
200,000,000.00
3.884
200,000,000.00
1.450
75,000,000.00
1.931
500,000,000.00
2.122
200,000,000.00
2.030
90,000,000.00
1.980
Cash
Ratio
2.265
2.197
2.586
2.806
6.177
1.254
1.718
2.092
1.894
2.895
2.842
1.595
1.183
2.236
2.947
3.618
3.918
3.035
4.904
2.611
2.198
2.696
1.438
2.201
3.384
1.826
3.517
2.811
3.787
1.386
1.706
2.175
1.795
2.332
ROA
0.030
0.128
0.114
0.060
0.263
0.106
0.457
0.109
0.268
0.144
0.487
0.300
0.548
0.167
0.163
0.056
0.184
0.528
0.886
0.149
0.275
0.090
0.188
0.181
0.103
0.074
0.295
0.098
0.167
0.292
0.146
1.589
0.142
0.073
ROE
0.039
0.135
0.121
0.058
0.259
0.137
0.283
0.136
0.317
0.128
0.191
0.332
0.445
0.132
0.186
0.030
0.192
0.369
0.179
0.152
0.178
0.068
0.170
0.218
0.088
0.150
1.635
0.105
0.189
0.346
0.141
0.930
0.016
0.256
DER
0.289
0.364
0.293
0.245
0.086
0.610
0.246
0.377
0.261
0.228
0.026
0.199
0.240
0.325
0.248
0.237
0.160
0.389
0.197
0.268
0.276
0.108
0.386
0.405
0.130
0.066
1.900
0.240
0.194
0.351
0.124
0.605
0.306
0.249
DAR
0.226
0.270
0.222
0.196
0.076
0.379
0.306
0.273
0.224
0.228
0.509
0.165
0.484
0.246
0.192
0.191
0.133
0.285
0.450
0.198
0.411
0.107
0.414
0.296
0.138
0.241
1.420
0.194
0.159
0.258
0.166
1.008
0.232
0.199
Lampiran 9
Descriptive Statistics
Mean
K.Investasi
C.Ratio
Cash.Ratio
ROA
ROE
DER
DAR
Std. Deviation
N
2.2102941E8 1.40786640E8
2.55176
1.013579
2.58897
1.051747
.26059
.295065
.24444
.294730
.31259
.308381
.30871
.257359
34
34
34
34
34
34
34
Variables Entered/Removedb
Model
Variables
Removed
Variables Entered
1
DAR,
Cash.Ratio,
ROA,
C.Ratio, ROE, DERa
a. All requested variables entered.
b. Dependent Variable: K.Investasi
Method
. Enter
Model Summaryb
Model
1
R
R Square
.741
a
.550
Std. Error of the
Adjusted R Square
Estimate
.450
1.04454575E8
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
Lampiran 10
Correlations
K.Investasi C.Ratio Cash.Ratio
Pearson
Correlation
Sig. (1-tailed)
N
ROA
ROE
DER
DAR
K.Investasi
1.000
-.082
-.235
.054
.336
.548
.512
C.Ratio
-.082
1.000
.862
-.165
.046
.018
-.080
Cash.Ratio
-.235
.862
1.000
.066
.054
-.033
-.047
ROA
.054
-.165
.066
1.000
.485
.149
.564
ROE
.336
.046
.054
.485
1.000
.849
.894
DER
.548
.018
-.033
.149
.849
1.000
.835
DAR
.512
-.080
-.047
.564
.894
.835
1.000
.
.323
.091
.381
.026
.000
.001
C.Ratio
.323
.
.000
.175
.399
.459
.327
Cash.Ratio
.091
.000
.
.356
.380
.427
.396
ROA
.381
.175
.356
.
.002
.200
.000
ROE
.026
.399
.380
.002
.
.000
.000
DER
.000
.459
.427
.200
.000
.
.000
DAR
.001
.327
.396
.000
.000
.000
.
K.Investasi
34
34
34
34
34
34
34
C.Ratio
34
34
34
34
34
34
34
Cash.Ratio
34
34
34
34
34
34
34
ROA
34
34
34
34
34
34
34
ROE
34
34
34
34
34
34
34
DER
34
34
34
34
34
34
34
DAR
34
34
34
34
34
34
34
K.Investasi
Lampiran 11
ANOVAb
Sum of
Squares
Model
1
df
Mean Square
Regression
3.595E17
6
5.992E16
Residual
2.946E17
27
1.091E16
F
Sig.
5.491
.001a
Total
6.541E17
33
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
Coefficientsa
Unstandardized
Coefficients
Model
1
B
Std. Error
Standardized
Coefficients
Beta
Collinearity Statistics
t
(Constan
t)
1.028E8
6.328E7
C.Ratio
8.244E7
4.169E7
Cash.Rat
io
-8.649E7
3.943E7
ROA
9.541E7
1.291E8
ROE
-4.926E8
1.701E8
DER
3.683E8
1.836E8
.807
DAR
3.634E8 2.279E8
a. Dependent Variable: K.Investasi
.664
Sig.
Tolerance
VIF
1.625
.116
1.977
.058
.185
5.401
-.646 -2.193
.037
.192
5.202
.739
.466
.228
4.387
-1.031 -2.896
.007
.131
7.605
2.006
.055
.103
9.699
1.595
.122
.096
10.405
.594
.200
Lampiran 12
Residuals Statisticsa
Minimum
Predicted Value
Maximum
Mean
Std.
Deviation
3.9730488E7 5.4845709E 2.2102941E8 1.04373818
8
E8
Std. Predicted Value
N
34
-1.737
3.137
.000
1.000
34
2.119E7
1.028E8
4.214E7
2.201E7
34
Adjusted Predicted Value
- 2.0254022E 2.5861913E8 3.31826835
1.4714909E8
9
E8
34
Residual
- 2.20392624
1.77041168E
E8
8
34
Standard Error of Predicted
Value
.00000005 9.44827180
E7
Std. Residual
-1.695
2.110
.000
.905
34
Stud. Residual
-2.603
2.753
-.053
1.180
34
- 6.47149120
- 3.09922861
1.52540224E
E8 3.75897165E
E8
9
7
34
Deleted Residual
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
Lampiran 13
Descriptive Statistics
N
Skewness
Statistic
Statistic
Unstandardized Predicted
Value
34
Valid N (listwise)
34
Kurtosis
Std. Error
1.036
.403
Statistic
1.699
Std. Error
.788
Uji Autokorelasi
Model Summaryb
Model
1
R
R Square
.741a
.550
Adjusted R
Square
.450
Std. Error of the
Estimate
Durbin-Watson
1.04454575E8
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
2.444
Lampiran 14
Lampiran 15
Lampiran 16
KREDIT INVESTASI SELAMA TAHUN 2012
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Kredit Investasi
250,000,000.00
210,000,000.00
300,000,000.00
300,000,000.00
60,000,000.00
400,000,000.00
70,000,000.00
500,000,000.00
100,000,000.00
300,000,000.00
85,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
190,000,000.00
250,000,000.00
125,000,000.00
60,000,000.00
50,000,000.00
150,000,000.00
400,000,000.00
100,000,000.00
500,000,000.00
275,000,000.00
200,000,000.00
250,000,000.00
500,000,000.00
300,000,000.00
200,000,000.00
200,000,000.00
75,000,000.00
500,000,000.00
200,000,000.00
90,000,000.00
1
Lampiran 2
DATA CURRENT RATIO
(Current Asset/Current Liabilties)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Current Asset
927,250,000.00
443,000,000.00
836,945,440.00
852,300,000.00
584,906,250.00
542,033,453.10
111,370,000.00
1,069,000,000.00
231,000,000.00
942,865,875.00
249,040,000.00
250,050,000.00
118,600,000.00
166,125,000.00
661,790,250.00
927,250,000.00
597,619,350.00
156,890,900.00
124,967,808.87
400,050,000.00
897,676,875.00
404,100,000.00
476,652,410.00
586,206,000.00
714,968,725.00
673,117,350.00
486,789,600.76
956,000,000.00
835,000,087.00
305,678,000.00
150,789,000.79
701,560,000.00
415,000,000.00
198,000,000.00
Current Liabilities
250,000,000.00
200,000,000.00
325,280,000.00
300,000,000.00
93,750,000.00
408,465,300.00
70,000,000.00
500,000,000.00
120,000,000.00
312,725,000.00
88,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
222,750,000.00
250,000,000.00
151,950,000.00
87,987,098.00
49,800,000.00
150,000,000.00
412,725,000.00
150,000,000.00
328,725,800.00
261,000,000.00
212,725,000.00
401,567,800.00
128,900,000.00
325,000,000.00
215,000,000.00
210,768,000.00
78,090,000.00
330,567,890.00
204,450,000.00
100,000,000.00
Current Ratio
3.709
2.215
2.573
2.841
6.239
1.327
1.591
2.138
1.925
3.015
2.830
1.667
1.186
2.215
2.971
3.709
3.933
1.783
2.509
2.667
2.175
2.694
1.450
2.246
3.361
1.676
3.776
2.942
3.884
1.450
1.931
2.122
2.030
1.980
Lampiran 3
DATA CASH RATIO
(Cash+ Marketable Securities/Current Liabilties)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Cash
140,567,008.89
63,568,980.00
106,754,898.00
210,565,443.00
162,343,209.00
257,890,988.00
45,676,545.00
214,565,458.00
77,565,435.00
304,512,311.00
78,909,908.00
22,456,653.00
56,987,456.00
11,234,356.00
108,675,645.91
495,678,676.87
259,876,564.87
123,456,546.63
167,656,898.49
176,878,980.56
163,545,678.82
127,876,556.76
221,345,654.85
162,345,784.76
176,453,123.84
265,432,675.49
329,856,766.54
789,056,321.89
298,654,365.53
165,436,758.47
78,909,865.45
231,456,543.76
321,345,432.67
54,323,456.87
Marketable Secutities
425,607,878.98
375,850,008.98
734,567,872.00
631,098,000.00
416,756,743.00
254,321,343.00
74,568,909.00
831,543,556.00
149,678,567.00
600,675,434.00
171,145,342.00
216,756,433.00
61,335,653.00
156,454,346.76
547,676,543.87
408,765,647.78
335,456,767.34
143,567,808.92
76,543,234.00
214,786,567.87
743,456,767.89
276,545,987.48
251,234,564.86
412,123,432.45
543,437,654.12
467,890,546.23
123,467,589.53
124,567,896.45
515,453,657.82
126,789,563.12
54,323,452.65
487,654,896.34
45,678,765.76
178,909,876.09
Current Liabilities
250,000,000.00
200,000,000.00
325,280,000.00
300,000,000.00
93,750,000.00
408,465,300.00
70,000,000.00
500,000,000.00
120,000,000.00
312,725,000.00
88,000,000.00
150,000,000.00
100,000,000.00
75,000,000.00
222,750,000.00
250,000,000.00
151,950,000.00
87,987,098.00
49,800,000.00
150,000,000.00
412,725,000.00
150,000,000.00
328,725,800.00
261,000,000.00
212,725,000.00
401,567,800.00
128,900,000.00
325,000,000.00
215,000,000.00
210,768,000.00
78,090,000.00
330,567,890.00
204,450,000.00
100,000,000.00
Cash Ratio
2.265
2.197
2.586
2.806
6.177
1.254
1.718
2.092
1.894
2.895
2.842
1.595
1.183
2.236
2.947
3.618
3.918
3.035
4.904
2.611
2.198
2.696
1.438
2.201
3.384
1.826
3.517
2.811
3.787
1.386
1.706
2.175
1.795
2.332
Lampiran 4
DATA RETURN ON ASSET
(Earning Before Tax/Total Asset
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Earning Before Tax
33,231,234.65
99,675,432.52
156,765,432.12
91,312,525.25
211,021,546.58
112,123,451.12
105,126,854.42
200,124,658.45
121,245,564.21
189,546,524.25
82,356,451.12
276,452,123.52
114,256,845.54
51,156,125.23
162,125,489.77
73,854,658.56
173,125,451.84
111,051,254.12
98,454,584.12
112,546,585.63
268,745,212.87
84,215,231.56
227,584,555.54
168,451,254.86
150,125,124.66
77,215,454.12
455,878,541.16
152,111,698.25
211,524,560.99
233,254,256.54
65,985,451.12
788,542,111.99
122,457,845.62
33,125,412.12
Total Asset
1,121,234,123.54
776,875,643.32
1,375,432,123.54
1,532,002,542.21
803,124,125.56
1,062,154,652.85
230,124,658.96
1,830,215,986.21
452,195,654.58
1,315,124,251.95
169,215,326.23
921,548,605.35
208,555,696.13
305,487,659.88
993,568,475.81
1,308,564,254.26
940,254,654.59
210,213,251.12
111,121,546.54
756,854,659.55
978,412,521.15
936,451,285.12
1,208,562,985.69
932,111,254.22
1,456,125,321.25
1,036,521,412.12
352,125,487.96
1,552,487,654.23
1,263,233,522.65
798,546,454.55
452,623,125.12
496,222,354.26
863,125,454.12
452,123,123.12
Return on Asset
0.030
0.128
0.114
0.060
0.263
0.106
0.457
0.109
0.268
0.144
0.487
0.300
0.548
0.167
0.163
0.056
0.184
0.528
0.886
0.149
0.275
0.090
0.188
0.181
0.103
0.074
1.295
0.098
0.167
0.292
0.146
1.589
0.142
0.073
Lampiran 5
DATA RETURN EQUITY
(Net Income/Total Equity)
Debitur
Net Income
Total Equity
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
34,512,326.12
77,735,125.95
126,321,654.65
71,212,154.11
184,125,698.54
90,142,361.12
81,001,234.19
180,365,110.10
123,129,015.11
168,215,326.12
623,125,123.26
254,213,654.18
187,546,851.65
30,478,065.48
143,546,521.32
31,254,125.12
150,142,012.06
56,854,326.13
45,600,510.36
85,213,123.18
258,650,965.08
63,120,150.80
220,520,356.06
148,264,321.09
135,645,623.01
563,120,120.52
430,152,135.12
132,125,001.08
196,120,540.10
203,154,216.14
85,125,601.27
768,210,543.20
103,412,532.18
92,654,321.06
875,212,321.23
577,451,212.12
1,044,125,121.00
1,225,412,365.16
711,642,583.55
660,143,211.65
286,451,365.56
1,325,001,540.16
389,000,100.32
1,314,125,123.13
3,258,456,876.86
765,140,850.75
421,325,890.77
231,054,001.25
771,452,154.21
1,054,620,154.12
780,106,230.30
154,236,850.09
254,362,120.85
560,365,000.01
1,456,123,000.00
923,012,001.54
1,296,452,123.36
681,245,612.18
1,546,213,542.19
3,765,213,452.10
263,125,362.17
1,254,362,000.21
1,036,425,000.23
587,654,321.30
602,552,003.08
826,003,124.53
654,320,512.04
362,125,006.63
Return on
Equity
0.039
0.135
0.121
0.058
0.259
0.137
0.283
0.136
0.317
0.128
0.191
0.332
0.445
0.132
0.186
0.030
0.192
0.369
0.179
0.152
0.178
0.068
0.170
0.218
0.088
0.150
1.635
0.105
0.189
0.346
0.141
0.930
0.158
0.256
Lampiran 6
DATA DEBT TO EQUITY RATIO
(Total Debt/Total Equity)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Total Debt
253,120,125.03
210,003,120.00
305,601,000.00
300,542,000.00
61,005,120.12
403,005,120.09
70,512,600.00
500,000,000.00
101,362,125.00
300,000,100.00
86,100,510.10
152,021,020.00
101,005,120.00
75,000,000.00
191,050,000.00
250,000,101.00
124,895,621.00
60,000,000.00
49,998,985.00
150,124,061.00
402,064,850.00
100,000,000.00
500,000,000.00
276,011,000.00
201,033,010.00
250,000,000.00
500,000,000.00
301,050,031.00
200,654,000.00
206,000,151.00
75,000,000.00
500,105,000.00
200,000,000.00
90,000,000.00
Total Equity
875,212,321.23
577,451,212.12
1,044,125,121.00
1,225,412,365.16
711,642,583.55
660,143,211.65
286,451,365.56
1,325,001,540.16
389,000,100.32
1,314,125,123.13
3,258,456,876.86
765,140,850.75
421,325,890.77
231,054,001.25
771,452,154.21
1,054,620,154.12
780,106,230.30
154,236,850.09
254,362,120.85
560,365,000.01
1,456,123,000.00
923,012,001.54
1,296,452,123.36
681,245,612.18
1,546,213,542.19
3,765,213,452.10
263,125,362.17
1,254,362,000.21
1,036,425,000.23
587,654,321.30
602,552,003.08
826,003,124.53
654,320,512.04
362,125,006.63
Debt to Equity Ratio
0.289
0.364
0.293
0.245
0.086
0.610
0.246
0.377
0.261
0.228
0.026
0.199
0.240
0.325
0.248
0.237
0.160
0.389
0.197
0.268
0.276
0.108
0.386
0.405
0.130
0.066
1.900
0.240
0.194
0.351
0.124
0.605
0.306
0.249
Lampiran 7
DATA DEBT TO ASSET RATIO
(Total Debt/Total Asset)
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Total Debt
253,120,125.03
210,003,120.00
305,601,000.00
300,542,000.00
61,005,120.12
403,005,120.09
70,512,600.00
500,000,000.00
101,362,125.00
300,000,100.00
86,100,510.10
152,021,020.00
101,005,120.00
75,000,000.00
191,050,000.00
250,000,101.00
124,895,621.00
60,000,000.00
49,998,985.00
150,124,061.00
402,064,850.00
100,000,000.00
500,000,000.00
276,011,000.00
201,033,010.00
250,000,000.00
500,000,000.00
301,050,031.00
200,654,000.00
206,000,151.00
75,000,000.00
500,105,000.00
200,000,000.00
90,000,000.00
Total Asset
1,121,234,123.54
776,875,643.32
1,375,432,123.54
1,532,002,542.21
803,124,125.56
1,062,154,652.85
230,124,658.96
1,830,215,986.21
452,195,654.58
1,315,124,251.95
169,215,326.23
921,548,605.35
208,555,696.13
305,487,659.88
993,568,475.81
1,308,564,254.26
940,254,654.59
210,213,251.12
111,121,546.54
756,854,659.55
978,412,521.15
936,451,285.12
1,208,562,985.69
932,111,254.22
1,456,125,321.25
1,036,521,412.12
352,125,487.96
1,552,487,654.23
1,263,233,522.65
798,546,454.55
452,623,125.12
496,222,354.26
863,125,454.12
452,123,123.12
Debt to Asset Ratio
0.226
0.270
0.222
0.196
0.076
0.379
0.306
0.273
0.224
0.228
0.509
0.165
0.484
0.246
0.192
0.191
0.133
0.285
0.450
0.198
0.411
0.107
0.414
0.296
0.138
0.241
1.420
0.194
0.159
0.258
0.166
1.008
0.232
0.199
Lampiran 8
RASIO-RASIO KEUANGAN PT. BANK DANAMON INDONESIA, TBK
CABANG ISKANDAR MUDA MEDAN
Debitur
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Y
Z
AA
AB
AC
AD
AE
AF
AG
AH
Kredit
Current
Investasi
Ratio
250,000,000.00
3.709
210,000,000.00
2.215
300,000,000.00
2.573
300,000,000.00
2.841
60,000,000.00
6.239
400,000,000.00
1.327
70,000,000.00
1.591
500,000,000.00
2.138
100,000,000.00
1.925
300,000,000.00
3.015
85,000,000.00
2.830
150,000,000.00
1.667
100,000,000.00
1.186
75,000,000.00
2.215
190,000,000.00
2.971
250,000,000.00
3.709
125,000,000.00
3.933
60,000,000.00
1.783
50,000,000.00
2.509
150,000,000.00
2.667
400,000,000.00
2.175
100,000,000.00
2.694
500,000,000.00
1.450
275,000,000.00
2.246
200,000,000.00
3.361
250,000,000.00
1.676
500,000,000.00
3.776
300,000,000.00
2.942
200,000,000.00
3.884
200,000,000.00
1.450
75,000,000.00
1.931
500,000,000.00
2.122
200,000,000.00
2.030
90,000,000.00
1.980
Cash
Ratio
2.265
2.197
2.586
2.806
6.177
1.254
1.718
2.092
1.894
2.895
2.842
1.595
1.183
2.236
2.947
3.618
3.918
3.035
4.904
2.611
2.198
2.696
1.438
2.201
3.384
1.826
3.517
2.811
3.787
1.386
1.706
2.175
1.795
2.332
ROA
0.030
0.128
0.114
0.060
0.263
0.106
0.457
0.109
0.268
0.144
0.487
0.300
0.548
0.167
0.163
0.056
0.184
0.528
0.886
0.149
0.275
0.090
0.188
0.181
0.103
0.074
0.295
0.098
0.167
0.292
0.146
1.589
0.142
0.073
ROE
0.039
0.135
0.121
0.058
0.259
0.137
0.283
0.136
0.317
0.128
0.191
0.332
0.445
0.132
0.186
0.030
0.192
0.369
0.179
0.152
0.178
0.068
0.170
0.218
0.088
0.150
1.635
0.105
0.189
0.346
0.141
0.930
0.016
0.256
DER
0.289
0.364
0.293
0.245
0.086
0.610
0.246
0.377
0.261
0.228
0.026
0.199
0.240
0.325
0.248
0.237
0.160
0.389
0.197
0.268
0.276
0.108
0.386
0.405
0.130
0.066
1.900
0.240
0.194
0.351
0.124
0.605
0.306
0.249
DAR
0.226
0.270
0.222
0.196
0.076
0.379
0.306
0.273
0.224
0.228
0.509
0.165
0.484
0.246
0.192
0.191
0.133
0.285
0.450
0.198
0.411
0.107
0.414
0.296
0.138
0.241
1.420
0.194
0.159
0.258
0.166
1.008
0.232
0.199
Lampiran 9
Descriptive Statistics
Mean
K.Investasi
C.Ratio
Cash.Ratio
ROA
ROE
DER
DAR
Std. Deviation
N
2.2102941E8 1.40786640E8
2.55176
1.013579
2.58897
1.051747
.26059
.295065
.24444
.294730
.31259
.308381
.30871
.257359
34
34
34
34
34
34
34
Variables Entered/Removedb
Model
Variables
Removed
Variables Entered
1
DAR,
Cash.Ratio,
ROA,
C.Ratio, ROE, DERa
a. All requested variables entered.
b. Dependent Variable: K.Investasi
Method
. Enter
Model Summaryb
Model
1
R
R Square
.741
a
.550
Std. Error of the
Adjusted R Square
Estimate
.450
1.04454575E8
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
Lampiran 10
Correlations
K.Investasi C.Ratio Cash.Ratio
Pearson
Correlation
Sig. (1-tailed)
N
ROA
ROE
DER
DAR
K.Investasi
1.000
-.082
-.235
.054
.336
.548
.512
C.Ratio
-.082
1.000
.862
-.165
.046
.018
-.080
Cash.Ratio
-.235
.862
1.000
.066
.054
-.033
-.047
ROA
.054
-.165
.066
1.000
.485
.149
.564
ROE
.336
.046
.054
.485
1.000
.849
.894
DER
.548
.018
-.033
.149
.849
1.000
.835
DAR
.512
-.080
-.047
.564
.894
.835
1.000
.
.323
.091
.381
.026
.000
.001
C.Ratio
.323
.
.000
.175
.399
.459
.327
Cash.Ratio
.091
.000
.
.356
.380
.427
.396
ROA
.381
.175
.356
.
.002
.200
.000
ROE
.026
.399
.380
.002
.
.000
.000
DER
.000
.459
.427
.200
.000
.
.000
DAR
.001
.327
.396
.000
.000
.000
.
K.Investasi
34
34
34
34
34
34
34
C.Ratio
34
34
34
34
34
34
34
Cash.Ratio
34
34
34
34
34
34
34
ROA
34
34
34
34
34
34
34
ROE
34
34
34
34
34
34
34
DER
34
34
34
34
34
34
34
DAR
34
34
34
34
34
34
34
K.Investasi
Lampiran 11
ANOVAb
Sum of
Squares
Model
1
df
Mean Square
Regression
3.595E17
6
5.992E16
Residual
2.946E17
27
1.091E16
F
Sig.
5.491
.001a
Total
6.541E17
33
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
Coefficientsa
Unstandardized
Coefficients
Model
1
B
Std. Error
Standardized
Coefficients
Beta
Collinearity Statistics
t
(Constan
t)
1.028E8
6.328E7
C.Ratio
8.244E7
4.169E7
Cash.Rat
io
-8.649E7
3.943E7
ROA
9.541E7
1.291E8
ROE
-4.926E8
1.701E8
DER
3.683E8
1.836E8
.807
DAR
3.634E8 2.279E8
a. Dependent Variable: K.Investasi
.664
Sig.
Tolerance
VIF
1.625
.116
1.977
.058
.185
5.401
-.646 -2.193
.037
.192
5.202
.739
.466
.228
4.387
-1.031 -2.896
.007
.131
7.605
2.006
.055
.103
9.699
1.595
.122
.096
10.405
.594
.200
Lampiran 12
Residuals Statisticsa
Minimum
Predicted Value
Maximum
Mean
Std.
Deviation
3.9730488E7 5.4845709E 2.2102941E8 1.04373818
8
E8
Std. Predicted Value
N
34
-1.737
3.137
.000
1.000
34
2.119E7
1.028E8
4.214E7
2.201E7
34
Adjusted Predicted Value
- 2.0254022E 2.5861913E8 3.31826835
1.4714909E8
9
E8
34
Residual
- 2.20392624
1.77041168E
E8
8
34
Standard Error of Predicted
Value
.00000005 9.44827180
E7
Std. Residual
-1.695
2.110
.000
.905
34
Stud. Residual
-2.603
2.753
-.053
1.180
34
- 6.47149120
- 3.09922861
1.52540224E
E8 3.75897165E
E8
9
7
34
Deleted Residual
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
Lampiran 13
Descriptive Statistics
N
Skewness
Statistic
Statistic
Unstandardized Predicted
Value
34
Valid N (listwise)
34
Kurtosis
Std. Error
1.036
.403
Statistic
1.699
Std. Error
.788
Uji Autokorelasi
Model Summaryb
Model
1
R
R Square
.741a
.550
Adjusted R
Square
.450
Std. Error of the
Estimate
Durbin-Watson
1.04454575E8
a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER
b. Dependent Variable: K.Investasi
2.444
Lampiran 14
Lampiran 15
Lampiran 16