Pengaruh Loan Deposit Ratio, Non Performing Loan, Capital Adequacy Ratioterhadap Return On Assets Pada Perusahaan Finansial Sektor Perbankan Yang Terdaftar Di Bei
LAMPIRAN
Lampiran 1 : Nilai Rasio CAR Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan
Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia
Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007 2008
11.86 11.78
19.2 15.8
12.84 11.20
2009
11.19
15.3
14.36
2010
12.63
13.5
13.28
Rata-rata
11.86
15.95
12.92
15.7
13.5
13.8
18.6
15.40
17.00 14.04
12.56
12.94
14.35
15.84 13.18
13.20
13.76
13.99
20.3 15.4
10.36 10.43
21.1 15.7
34.30 31.15
17.03 15.59
20.7
12.56
15.6
28.42
13.59
16.0
10.72
14.7
25,01
13.24
18.10
11.01
16.77
29.72
14.86
21.33 19.79
14.83
12.80
17.18
13.3 10.8
20.64 33.27
19.58 23.22
12.2
32.90
16.92
14.1
26.91
13.72
12.60
28.43
18.36
12.24 14.93
13.87
14.52
13.89
29.95 23.69
17.05
20.40
22.77
14.21
16.15
21.58
18.23
18.84
18.00
21.79
16.88
14.78
16.04
16.58
15.22
15.99
16.80
20.06
16.16
17.01
20.31
17.35
69
Universitas Sumatera Utara
Lampiran 2 : Nilai Rasio NPL Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
6.10
0.8
3.57
2008
5.64
0.6
4.87
2009
5.63
0.7
2.81
2010
4.34
0.6
3.22
Rata-rata
5.42
0.67
3.61
4.0
1.7
0.8
1.1
1.9
1.48
1.12
1.81
0.63
1.26
3.44
2.80
3.52
2.78
3.13
2.3
6.33
1.5
1.78
1.94
2.23
1.5
1.47
2.39
2.3
3.74
1.1
1.46
1.42
2.00
1.1
1.64
2.54
4.5
5.33
0.4
1.71
1.04
1.58
1.5
1.42
3.00
3.0
1.91
0.6
1.83
1.85
1.74
0.7
2.62
5.07
3.02
4.32
0.9
1.69
1.56
1.88
1.2
1.78
3.25
2.55
2.70
2.83
2.00
2.52
0.14
2.07
0.49
2.01
1.18
1.53
2.12
1.76
2.45
1.18
1.75
2.15
2.20
1.70
1.39
1.60
2.20
0.90
0.82
2.68
2.02
1.32
1.52
2.04
70
Universitas Sumatera Utara
Lampiran 3 : Nilai Rasio LDR Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan
Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia
Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
84.50
43.6
66.26
2008
90.44
53.8
83.60
2009
89.64
50.3
75.99
2010
84.96
55.2
71.85
Rata-rata
87.38
50.72
74.42
60.6
68.6
64.1
70.2
65.87
49.39
66.12
73.64
80.41
67.39
68.80
79.93
80.88
75.17
76.19
88.05
68.46
61.4
51.99
95.11
86.42
74.66
59.2
59.86
87.84
88.76
66.97
54.3
50.58
79.30
93.82
71.65
57.2
54.18
68.54
89.26
70.43
58.02
54.15
82.69
88.01
86.53
82.93
89.03
86.62
88.00
62.16
55.92
81.80
83.11
53.46
90.60
81.10
50.43
87.50
87.36
40.22
86.97
78.43
50.00
82.22
93.47
84.04
76.13
83.96
103.88 100.22
83.77
78.38
91.56
46.74
89.14
92.36
73.32
56.82
72.39
73.31
72.4
56.03
77.96
74.22
72.50
56.06
79.07
79.70
64.67
76.79
78.93
76.47
71
Universitas Sumatera Utara
Lampiran 4 : Nilai Rasio ROA Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
0.57
3.3
1.63
2008
0.09
3.4
1.66
2009
0.18
3.4
1.46
2010
0.24
3.5
1.65
Rata-rata
0.27
3.40
1.60
0.9
1.1
1.7
2.5
1.55
1.29
1.17
1.02
1.40
1.22
4.61
4.18
3.73
4.64
4.29
2.43
0.35
2.3
1.68
2.49
1.12
1.9
1.20
1.64
1.52
0.23
2.5
2.07
1.10
1.23
1.7
2.53
0.88
1.50
0.30
3.0
2.00
2.10
0.05
1.4
3.53
1.10
2.79
0.17
3.4
1.47
2.75
1.01
1.9
2.93
1.71
2.06
0.27
44.8
1.80
2.11
0.85
1.80
2.55
1.34
0.29
0.34
0.44
0.76
0.46
1.48
1.27
0.90
1.22
1.22
2.33
1.31
3.14
1.80
1.98
1.54
1.75
1.61
1.77
1.79
1.78
1.66
2.45
1.09
1.87
1.97
2.14
1.44
2.14
72
Universitas Sumatera Utara
Lampiran 4 : Daftar Populasi dan Sampel Penelitian.
No
Kode
1
2
3
4
5
6
7
8
9
10
11
12
13
14
AGRO
BABP
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Populasi
PT Bank Agroniaga Tbk
PT Bank ICB Bumiputera Tbk
PT Bank Capital Indonesia Tbk
PT Bank Ekonomi Raharja Tbk
PT Bank Central Asia Tbk
PT Bank Bukopin Tbk
PT Bank Negara Indonesia (Persero) Tbk
PT Bank Nusantara Parahyangan Tbk
PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Tabungan Negara (Persero) Tbk
PT Bank Mutiara Tbk
PT Bank Danamon Tbk
PT Bank Pundi Indonesia
PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk
BKSW PT Bank Kesawan Tbk
BMRI PT Bank Mandiri (Persero) Tbk
BNBA PT Bank Bumi Arta Tbk
BNGA PT Bank CIMB Niaga Tbk
BNII PT Bank Internasional Indonesia Tbk
BNLI PT Bank Permata Tbk
BSIM PT Bank Sinarmas Tbk
BSWD PT Bank Swadesi Tbk
BTPN PT Bank Tabungan Pensiunan Nasional Tbk
BVIC PT Bank Victoria International Tbk
INPC PT Bank Artha Graha Internasional Tbk
MAYA PT Bank Mayapada Tbk
MCOR PT Bank Windu Kentjana International Tbk
MEGA PT Bank Mega Tbk
NISP PT Bank OCBC NISP Tbk
PNBN PT Bank Pan Indonesia Tbk
1
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Kriteria
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Sampel
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
73
Universitas Sumatera Utara
Lampiran 5 : Hasil Olahan SPSS
Tabel 4.1
Descriptive Statistics CAR,NPL, LDR, ROA
N
Minimum
Maximum
Mean
Std. Deviation
CAR NPL LDR ROA
20
12,02
26,62
17,6275
3,47899
Valid N (listwise)
20
2,21
27,66
6,5321
5,36595
20
48,55
116,04
74,7636
17,82862
20
,50
5,59
2,5260
1,16750
20
Sumber : Data Sekunder diolah dengan SPSS Ver. 20
Tabel 4.2
Hasil Uji Multikolinearitas
Coefficients a
Collinearity Statistics
Tolerance
VIF
CAR
,560
1,786
NPL LDR
,414
2,413
,670
1,492
Model
1
Dependent variabel ROA
Sumber : Data sekunder diolah dengan SPSS Ver.20
Tabel 4.4
Hasil Uji Autokorelasi
Model Summary b
Model
Durbin-Watson
1
2,034
a. Predictors: (Constant), LDR, CAR, NPL
b. Dependent Variable: ROA
74
Universitas Sumatera Utara
Tabel 4.5
Hasil Uji Regresi Linear Berganda
Coefficientsᵃ
Understandardized Coefficients
Model
1
B
(Constant)
CAR NPL LDR
Std. Error
-,967
,781
,107
,042
-,069
,031
-,027
,007
a. Dependent Variabel : ROA
Sumber : data sekunder diolah dengan SPSS Ver. 20
Tabel 4.6
Hasil Perhitungan Uji F ANOVA ᵇ
Model
Sum
of
df
Squares
1
Mean
F
Sig.
Square
Regression
Residual
37,473
3
12,491
70,209
76
,924
107,682
79
13,521
,000ᵃ
Total
a. Predictors : (Constant), CAR, NPL, LDR
b. Dependent Variable : ROA
Sumber : data sekunder diolah dengan SPSS Ver. 20
75
Universitas Sumatera Utara
Lampiran 1 : Nilai Rasio CAR Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan
Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia
Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007 2008
11.86 11.78
19.2 15.8
12.84 11.20
2009
11.19
15.3
14.36
2010
12.63
13.5
13.28
Rata-rata
11.86
15.95
12.92
15.7
13.5
13.8
18.6
15.40
17.00 14.04
12.56
12.94
14.35
15.84 13.18
13.20
13.76
13.99
20.3 15.4
10.36 10.43
21.1 15.7
34.30 31.15
17.03 15.59
20.7
12.56
15.6
28.42
13.59
16.0
10.72
14.7
25,01
13.24
18.10
11.01
16.77
29.72
14.86
21.33 19.79
14.83
12.80
17.18
13.3 10.8
20.64 33.27
19.58 23.22
12.2
32.90
16.92
14.1
26.91
13.72
12.60
28.43
18.36
12.24 14.93
13.87
14.52
13.89
29.95 23.69
17.05
20.40
22.77
14.21
16.15
21.58
18.23
18.84
18.00
21.79
16.88
14.78
16.04
16.58
15.22
15.99
16.80
20.06
16.16
17.01
20.31
17.35
69
Universitas Sumatera Utara
Lampiran 2 : Nilai Rasio NPL Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
6.10
0.8
3.57
2008
5.64
0.6
4.87
2009
5.63
0.7
2.81
2010
4.34
0.6
3.22
Rata-rata
5.42
0.67
3.61
4.0
1.7
0.8
1.1
1.9
1.48
1.12
1.81
0.63
1.26
3.44
2.80
3.52
2.78
3.13
2.3
6.33
1.5
1.78
1.94
2.23
1.5
1.47
2.39
2.3
3.74
1.1
1.46
1.42
2.00
1.1
1.64
2.54
4.5
5.33
0.4
1.71
1.04
1.58
1.5
1.42
3.00
3.0
1.91
0.6
1.83
1.85
1.74
0.7
2.62
5.07
3.02
4.32
0.9
1.69
1.56
1.88
1.2
1.78
3.25
2.55
2.70
2.83
2.00
2.52
0.14
2.07
0.49
2.01
1.18
1.53
2.12
1.76
2.45
1.18
1.75
2.15
2.20
1.70
1.39
1.60
2.20
0.90
0.82
2.68
2.02
1.32
1.52
2.04
70
Universitas Sumatera Utara
Lampiran 3 : Nilai Rasio LDR Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan
Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia
Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
84.50
43.6
66.26
2008
90.44
53.8
83.60
2009
89.64
50.3
75.99
2010
84.96
55.2
71.85
Rata-rata
87.38
50.72
74.42
60.6
68.6
64.1
70.2
65.87
49.39
66.12
73.64
80.41
67.39
68.80
79.93
80.88
75.17
76.19
88.05
68.46
61.4
51.99
95.11
86.42
74.66
59.2
59.86
87.84
88.76
66.97
54.3
50.58
79.30
93.82
71.65
57.2
54.18
68.54
89.26
70.43
58.02
54.15
82.69
88.01
86.53
82.93
89.03
86.62
88.00
62.16
55.92
81.80
83.11
53.46
90.60
81.10
50.43
87.50
87.36
40.22
86.97
78.43
50.00
82.22
93.47
84.04
76.13
83.96
103.88 100.22
83.77
78.38
91.56
46.74
89.14
92.36
73.32
56.82
72.39
73.31
72.4
56.03
77.96
74.22
72.50
56.06
79.07
79.70
64.67
76.79
78.93
76.47
71
Universitas Sumatera Utara
Lampiran 4 : Nilai Rasio ROA Periode 2007-2010.
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Perusahaan Perbankan
Bank ICB Bumi Putra Tbk
Bank Central Asia Tbk
Bank Bukopin Tbk
Bank Negara Indonesia
(Persero)Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia
(Persero)Tbk
Bank Danamon Indonesia Tbk
Bank Kesawan Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Arta Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Swadesi Tbk
Bank Victoria International Tbk
Bank Artha Graha International
Tbk
Bank Mayapada International
Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Rata-rata
2007
0.57
3.3
1.63
2008
0.09
3.4
1.66
2009
0.18
3.4
1.46
2010
0.24
3.5
1.65
Rata-rata
0.27
3.40
1.60
0.9
1.1
1.7
2.5
1.55
1.29
1.17
1.02
1.40
1.22
4.61
4.18
3.73
4.64
4.29
2.43
0.35
2.3
1.68
2.49
1.12
1.9
1.20
1.64
1.52
0.23
2.5
2.07
1.10
1.23
1.7
2.53
0.88
1.50
0.30
3.0
2.00
2.10
0.05
1.4
3.53
1.10
2.79
0.17
3.4
1.47
2.75
1.01
1.9
2.93
1.71
2.06
0.27
44.8
1.80
2.11
0.85
1.80
2.55
1.34
0.29
0.34
0.44
0.76
0.46
1.48
1.27
0.90
1.22
1.22
2.33
1.31
3.14
1.80
1.98
1.54
1.75
1.61
1.77
1.79
1.78
1.66
2.45
1.09
1.87
1.97
2.14
1.44
2.14
72
Universitas Sumatera Utara
Lampiran 4 : Daftar Populasi dan Sampel Penelitian.
No
Kode
1
2
3
4
5
6
7
8
9
10
11
12
13
14
AGRO
BABP
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Populasi
PT Bank Agroniaga Tbk
PT Bank ICB Bumiputera Tbk
PT Bank Capital Indonesia Tbk
PT Bank Ekonomi Raharja Tbk
PT Bank Central Asia Tbk
PT Bank Bukopin Tbk
PT Bank Negara Indonesia (Persero) Tbk
PT Bank Nusantara Parahyangan Tbk
PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Tabungan Negara (Persero) Tbk
PT Bank Mutiara Tbk
PT Bank Danamon Tbk
PT Bank Pundi Indonesia
PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk
BKSW PT Bank Kesawan Tbk
BMRI PT Bank Mandiri (Persero) Tbk
BNBA PT Bank Bumi Arta Tbk
BNGA PT Bank CIMB Niaga Tbk
BNII PT Bank Internasional Indonesia Tbk
BNLI PT Bank Permata Tbk
BSIM PT Bank Sinarmas Tbk
BSWD PT Bank Swadesi Tbk
BTPN PT Bank Tabungan Pensiunan Nasional Tbk
BVIC PT Bank Victoria International Tbk
INPC PT Bank Artha Graha Internasional Tbk
MAYA PT Bank Mayapada Tbk
MCOR PT Bank Windu Kentjana International Tbk
MEGA PT Bank Mega Tbk
NISP PT Bank OCBC NISP Tbk
PNBN PT Bank Pan Indonesia Tbk
1
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√
√
√
√
√
√
Kriteria
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Sampel
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
73
Universitas Sumatera Utara
Lampiran 5 : Hasil Olahan SPSS
Tabel 4.1
Descriptive Statistics CAR,NPL, LDR, ROA
N
Minimum
Maximum
Mean
Std. Deviation
CAR NPL LDR ROA
20
12,02
26,62
17,6275
3,47899
Valid N (listwise)
20
2,21
27,66
6,5321
5,36595
20
48,55
116,04
74,7636
17,82862
20
,50
5,59
2,5260
1,16750
20
Sumber : Data Sekunder diolah dengan SPSS Ver. 20
Tabel 4.2
Hasil Uji Multikolinearitas
Coefficients a
Collinearity Statistics
Tolerance
VIF
CAR
,560
1,786
NPL LDR
,414
2,413
,670
1,492
Model
1
Dependent variabel ROA
Sumber : Data sekunder diolah dengan SPSS Ver.20
Tabel 4.4
Hasil Uji Autokorelasi
Model Summary b
Model
Durbin-Watson
1
2,034
a. Predictors: (Constant), LDR, CAR, NPL
b. Dependent Variable: ROA
74
Universitas Sumatera Utara
Tabel 4.5
Hasil Uji Regresi Linear Berganda
Coefficientsᵃ
Understandardized Coefficients
Model
1
B
(Constant)
CAR NPL LDR
Std. Error
-,967
,781
,107
,042
-,069
,031
-,027
,007
a. Dependent Variabel : ROA
Sumber : data sekunder diolah dengan SPSS Ver. 20
Tabel 4.6
Hasil Perhitungan Uji F ANOVA ᵇ
Model
Sum
of
df
Squares
1
Mean
F
Sig.
Square
Regression
Residual
37,473
3
12,491
70,209
76
,924
107,682
79
13,521
,000ᵃ
Total
a. Predictors : (Constant), CAR, NPL, LDR
b. Dependent Variable : ROA
Sumber : data sekunder diolah dengan SPSS Ver. 20
75
Universitas Sumatera Utara