10.32.0006 Erlina Yuliani H. S DAFTAR PUSTAKA
DAFTAR PUSTAKA
Alsa, Yustra Iwata, 2004, Pengaruh Kualitas Asset dan Liabilitas terhadap Kinerja
Perbankan Syariah, Skripsi tidak dipublikasikan, Semarang : Universitas
Diponegoro Semarang.
Anas, Januar, 2012, Kasus Bank Century Indonesia, didownload dari
www.blogspot.com, diakses tanggal 10 Oktober 2012.
Anwari, Ahza, 2010, Pengertian Asset & Liability Management, didownload dari
www.bankirnews.com, diakses tanggal 16 November 2012.
Anwari, Ahza, 2010, Permodalan Bank, didownload dari www.bankirnews.com,
diakses tanggal 16 November 2012.
Bank Indonesia, 2011, Surat Edaran Bank Indonesia No. 13/24/DPNP, Jakarta :
Bank Indonesia.
Bank Indonesia, 2012, Booklet Perbankan Indonesia, Edisi 2012, Jakarta : Bank
Indonesia.
D’Lase, Aprilia Norma, 2011, Perbandingan Kinerja Keuangan pada Bank Hasil
Merger, Skripsi tidak dipublikasikan, Surabaya : STIE.
Ghozali, H. Imam, 2009, Aplikasi Analisis Multivariate dengan Program SPSS,
Semarang : Badan Penerbit Universitas Diponegoro.
Jogiyanto H. M., 2004, Metodologi Penelitian Bisnis: Salah Kaprah dan
Pengalaman-Pengalaman, Edisi 2004/2005, Yogyakarta: BPFEYogyakarta.
Joshua, Okpanachi, 2011, Comparative Analysis of The Impact of Mergers and
Acquisitions on Financial Efficiency of Banks in Nigeria, Journal of
Accounting and Taxation, Vol. 3, No. 1, hal. 5-6.
Kusumaningsih, Yeni, 2010, Analisis Perbedaan Kinerja Keuangan Sebelum dan
Sesudah Merger pada PD BPR BKK Kabupaten Kendal, di-download dari
www.academia.edu, diakses tanggal 3 November 2012.
Moin, Abdul, 2007, Merger, Akuisisi, & Divestasi, Edisi 2, Yogyakarta :
Ekonisia.
Mulyaningsih, Tri dan Anne Daly, 2011, Competitive Conditions in Banking
Industry : an Empirical Analysis of The Consolidation, Competition and
Concentration in The Indonesia Banking Industry between 2001 and 2009,
Buletin Ekonomi, Moneter dan Perbankan, Jakarta : Bank Indonesia.
58
Nur, Dhani Ichsanuddin, 2010, Dampak Keputusan Merger pada Perbankan di
Bursa Efek Indonesia, Jurnal Aplikasi Manajemen, Vol. 8, No. 2, hal. 529.
Prawihatmi, Yekti dan Yohanes Sugiharto, 2008, Teori Ekonomi, Semarang :
UPT. Penerbit dan Desain Univeritas Katolik Soegijapranata.
Suad Husnan, Suad, 2011, Manajemen Keuangan Teori dan Penerapan, Edisi 4,
Yogyakarta : BPFE.
Suparno, dan Edi Wibowo, 2009, Analisis Tingkat Kesehatan Bank Sebelum dan
Setelah Merger pada PD. BPR BKK Malang Kabupaten Sragen, Jurnal
Manajemen Sumberdaya Manusia, Vol. 3, No. 1, hal. 32.
Syamsuddin, Lukman, 1987, Manajemen Keuangan Perusahaan, Yogyakarta: PT.
Hanindita.
Weston, J. Fred dan Eugene F. Brigham, 1986, Dasar – Dasar Manajemen
Keuangan, Jakarta : Erlangga.
Weston, J. Fred dan Thomas E. Copeland, 1997, Manajemen Keuangan, Jakarta :
Binarupa Aksara.
Wibowo, Fairuz Anger, Analisis Perbandingan Kinerja Keuangan Perusahaan
Sebelum dan Sesudah Merger dan Akuisisi, Skripsi tidak dipublikasikan,
Semarang : Universitas Diponegoro.
Wijayanti, Fitri, 2011, Perbandingan Kinerja Keuangan pada Bank Umum Swasta
Setelah Merger, Skripsi tidak dipublikasikan, Surabaya : STIE.
59
LAMPIRAN
60
LAMPIRAN 1
RISIKO KREDIT, RISIKO LIKUIDITAS, RENTABILITAS, PERMODALAN
LAMPIRAN 2
STATISTIK DESKRIPTIF
Descriptives Sebelum Merger
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
NPL sebelum
4
.50
3.79
1.9500
1.39411
likuiditas a sebelum
4
7.48
20.86
15.3818
5.66501
likuiditas b sebelum
4
9.63
25.45
19.5053
6.84577
likuiditas c sebelum
4
8.90
23.58
18.0320
6.35030
likuiditas d sebelum
4
87.59
100.84
93.9108
6.12150
ROA Sebelum
4
1.31
2.90
2.0050
.66596
Core ROA Sebelum
4
1.49
2.95
2.1793
.62430
CAR Sebelum
4
15.43
20.60
17.5450
2.30646
Valid N (listwise)
4
Descriptives Sesudah Merger
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
NPL Sesudah
4
.59
1.39
1.0150
.32787
likuiditas a sesudah
4
12.98
25.20
17.1000
5.76096
likuiditas b sesudah
4
16.16
31.97
21.3963
7.45346
likuiditas c sesudah
4
15.50
31.43
20.4595
7.54406
likuiditas d sesudah
4
83.99
97.09
87.9823
6.21968
ROA Sesudah
4
1.79
2.10
1.9750
.15242
Core ROA Sesudah
4
1.60
2.53
2.1453
.46075
CAR Sesudah
4
13.59
18.00
14.7325
2.17964
Valid N (listwise)
4
LAMPIRAN 3
UJI NORMALITAS
Explore
Case Processing Summary
Cases
Valid
N
NPL
Likuiditas A
Likuiditas B
Likuiditas C
Likuiditas D
ROA
Core ROA
CAR
Missing
Percent
8
8
8
8
8
8
8
8
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
N
Total
Percent
0
0
0
0
0
0
0
0
.0%
.0%
.0%
.0%
.0%
.0%
.0%
.0%
N
Percent
8
8
8
8
8
8
8
8
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
Descriptives
Statistic
NPL
Mean
95% Confidence Interval for
Mean
1.4825
Lower Bound
.5943
Upper Bound
2.3707
5% Trimmed Mean
1.4089
Median
1.2150
Variance
1.129
Std. Deviation
Likuiditas A
.37563
1.06245
Minimum
.50
Maximum
3.79
Range
3.29
Interquartile Range
1.23
Skewness
1.701
.752
Kurtosis
3.215
1.481
16.2409
1.89806
Mean
95% Confidence Interval for
Mean
Lower Bound
11.7527
Upper Bound
20.7291
5% Trimmed Mean
16.2301
Median
16.5920
Variance
28.821
Std. Deviation
5.36853
Minimum
7.48
Maximum
25.20
Range
17.72
Interquartile Range
6.98
Skewness
.095
Kurtosis
Likuiditas B
Std. Error
Mean
95% Confidence Interval for
Mean
.469
1.481
20.4508
2.36948
Lower Bound
14.8478
Upper Bound
26.0537
5% Trimmed Mean
20.4118
Median
21.2930
Variance
44.915
Std. Deviation
Minimum
.752
6.70189
9.63
Likuiditas C
Maximum
31.97
Range
22.34
Interquartile Range
8.34
Skewness
.147
.752
Kurtosis
.644
1.481
19.2458
2.32802
Mean
95% Confidence Interval for
Mean
Lower Bound
13.7408
Upper Bound
24.7507
5% Trimmed Mean
19.1436
Median
19.4070
Variance
43.358
Std. Deviation
6.58465
Minimum
8.90
Maximum
31.43
Range
22.54
Interquartile Range
7.24
Skewness
.453
Kurtosis
Likuiditas D
Mean
95% Confidence Interval for
Mean
1.481
2.30978
85.4847
Upper Bound
96.4083
5% Trimmed Mean
90.7834
Median
88.8575
Variance
42.681
6.53306
Minimum
83.99
Maximum
100.84
Range
16.86
Interquartile Range
12.38
Skewness
Kurtosis
ROA
1.352
90.9465
Lower Bound
Std. Deviation
Mean
95% Confidence Interval for
Mean
.445
.752
-1.601
1.481
1.9900
.15823
Lower Bound
1.6159
Upper Bound
2.3641
5% Trimmed Mean
1.9772
Median
1.9650
Variance
.752
.200
Std. Deviation
.44753
Minimum
1.31
Maximum
2.90
Range
1.59
Interquartile Range
Core ROA
.31
Skewness
.904
.752
Kurtosis
2.819
1.481
2.1623
.17970
Mean
95% Confidence Interval for
Mean
Lower Bound
1.7373
Upper Bound
2.5872
5% Trimmed Mean
2.1556
Median
2.1360
Variance
.258
Std. Deviation
.50828
Minimum
1.49
Maximum
2.95
Range
1.46
Interquartile Range
.85
Skewness
.139
Kurtosis
CAR
Mean
95% Confidence Interval for
Mean
-1.112
1.481
16.1388
.90664
Lower Bound
13.9949
Upper Bound
18.2826
5% Trimmed Mean
16.0325
Median
15.7900
Variance
Std. Deviation
.752
6.576
2.56437
Minimum
13.59
Maximum
20.60
Range
7.01
Interquartile Range
4.37
Skewness
.617
.752
Kurtosis
-.640
1.481
M-Estimators
Huber's MEstimatora
NPL
Likuiditas A
Likuiditas B
Likuiditas C
Likuiditas D
ROA
Core ROA
CAR
1.2150
16.2176
20.3377
18.9478
90.2722
1.9518
2.1421
15.9214
Tukey's Biweightb
1.1046
16.1582
20.3238
18.6272
90.3539
1.9470
2.1521
15.9718
a. The weighting constant is 1,339.
b. The weighting constant is 4,685.
c. The weighting constants are 1,700, 3,400, and 8,500
d. The weighting constant is 1,340*pi.
Hampel's MEstimatorc
1.1475
16.2220
20.3407
18.9521
90.6987
1.9335
2.1435
16.0332
Andrews' Waved
1.1053
16.1585
20.3259
18.6285
90.3543
1.9517
2.1523
15.9723
Percentiles
Percentiles
5
Weighted Average(Definition 1) NPL
25
50
75
90
95
.5000
.5000
.7025
1.2150
1.9375
.
.
Likuiditas A
7.4800
7.4800
12.9770
16.5920
19.9598
.
.
Likuiditas B
9.6310
9.6310
16.1603
21.2930
24.4973
.
.
Likuiditas C
8.8970
8.8970
15.4990
19.4070
22.7435
.
.
Likuiditas D
83.9860
83.9860
84.7073
88.8575
97.0860
.
.
ROA
1.3100
1.3100
1.7900
1.9650
2.1000
.
.
Core ROA
1.4910
1.4910
1.6828
2.1360
2.5280
.
.
13.5900
13.5900
13.6300
15.7900
18.0000
.
.
.8150
1.2150
1.7550
Likuiditas A
12.9770
16.5920
19.0565
Likuiditas B
16.1605
21.2930
23.5485
Likuiditas C
15.4990
19.4070
21.9120
Likuiditas D
85.4285
88.8575
97.0860
ROA
1.7900
1.9650
2.1000
Core ROA
1.7625
2.1360
2.5280
13.6700
15.7900
18.0000
CAR
Tukey's Hinges
10
NPL
CAR
Extreme Valuese
Case Number
NPL
Highest
Lowest
Likuiditas A
Highest
Lowest
Likuiditas B
Highest
Lowest
Likuiditas C
Highest
Lowest
Likuiditas D
Highest
Lowest
ROA
Highest
Value
1
1
3.79
2
3
2.12
3
4
1.39
4
7
1.39
1
2
.50
2
8
.59
3
6
1.04
4
5
1.04
1
8
25.20
2
1
20.86
3
4
17.25
4
7
17.25
1
2
7.48
2
6
12.98
3
5
12.98
4
3
15.93
1
8
31.97
2
1
25.45
3
3
21.65
4
4
21.29a
1
2
9.63
2
6
16.16
3
5
16.16
4
7
21.29b
1
8
31.43
2
1
23.58
3
3
20.25
4
4
19.41c
1
2
8.90
2
6
15.50
3
5
15.50
4
7
19.41d
1
2
100.84
2
4
97.09
3
7
97.09
4
1
90.13
1
6
83.99
2
5
83.99
3
8
86.87
4
3
87.59
1
2
2.90
Lowest
Core ROA
Highest
Lowest
CAR
Highest
Lowest
2
5
2.10
3
6
2.10
4
1
2.02
1
3
1.31
2
7
1.79
3
4
1.79
4
8
1.91
1
2
2.95
2
5
2.53
3
6
2.53
4
1
2.35
1
3
1.49
2
8
1.60
3
7
1.92
4
4
1.92
1
2
20.60
2
4
18.00
3
7
18.00
4
3
16.15
1
6
13.59
2
5
13.59
3
8
13.75
4
1
15.43
a. Only a partial list of cases with the value 21,29 are shown in the table
of upper extremes.
b. Only a partial list of cases with the value 21,29 are shown in the table
of lower extremes.
c. Only a partial list of cases with the value 19,41 are shown in the table
of upper extremes.
d. Only a partial list of cases with the value 19,41 are shown in the table
of lower extremes.
e. The requested number of extreme values exceeds the number of data
points. A smaller number of extremes is displayed.
Tests of Normality
Kolmogorov-Smirnova
Statistic
df
Shapiro-Wilk
Sig.
Statistic
df
Sig.
NPL
.285
8
.055
.827
8
.055
Likuiditas A
.175
8
.200*
.977
8
.944
8
.200
*
.965
8
.853
.200
*
.955
8
.758
.200
*
Likuiditas B
Likuiditas C
.179
.189
8
Likuiditas D
.201
8
.887
8
.217
ROA
.278
8
.069
.896
8
.264
8
.200
*
.946
8
.672
.200
*
.896
8
.264
Core ROA
CAR
.182
.199
8
a. Lilliefors Significance Correction
*. This is a lower bound of the true significance.
LAMPIRAN 4
UJI BEDA
T-Test
Paired Samples Statistics
Mean
Pair 1
Pair 2
Pair 3
Pair 4
Pair 5
Pair 6
Pair 7
Pair 8
N
Std. Deviation
Std. Error Mean
NPL sebelum
1.9500
4
1.39411
.69705
NPL Sesudah
1.0150
4
.32787
.16394
likuiditas a sebelum
15.3818
4
5.66501
2.83251
likuiditas a sesudah
17.1000
4
5.76096
2.88048
likuiditas b sebelum
19.5052
4
6.84577
3.42288
likuiditas b sesudah
21.3963
4
7.45346
3.72673
likuiditas c sebelum
18.0320
4
6.35030
3.17515
likuiditas c sesudah
20.4595
4
7.54406
3.77203
likuiditas d sebelum
93.9108
4
6.12150
3.06075
likuiditas d sesudah
87.9823
4
6.21968
3.10984
ROA Sebelum
2.0050
4
.66596
.33298
ROA Sesudah
1.9750
4
.15242
.07621
Core ROA Sebelum
2.1793
4
.62430
.31215
Core ROA Sesudah
2.1453
4
.46075
.23037
CAR Sebelum
17.5450
4
2.30646
1.15323
CAR Sesudah
14.7325
4
2.17964
1.08982
Paired Samples Test
Paired Differences
95% Confidence Interval of the
Difference
Mean
Pair 1
NPL sebelum - NPL Sesudah
Pair 2
likuiditas a sebelum - likuiditas
Std. Deviation
Std. Error Mean
Lower
Upper
t
df
Sig. (2-tailed)
.93500
1.35771
.67885
-1.22541
3.09541
1.377
3
.262
-1.71825
6.96341
3.48171
-12.79859
9.36209
-.494
3
.656
-1.89100
8.73085
4.36543
-15.78374
12.00174
-.433
3
.694
-2.42750
8.76681
4.38340
-16.37745
11.52245
-.554
3
.618
5.92850
11.19235
5.59618
-11.88103
23.73803
1.059
3
.367
a sesudah
Pair 3
likuiditas b sebelum - likuiditas
b sesudah
Pair 4
likuiditas c sebelum - likuiditas
c sesudah
Pair 5
likuiditas d sebelum - likuiditas
d sesudah
Pair 6
ROA Sebelum - ROA Sesudah
.03000
.54394
.27197
-.83552
.89552
.110
3
.919
Pair 7
Core ROA Sebelum - Core
.03400
.40664
.20332
-.61305
.68105
.167
3
.878
2.81250
3.75811
1.87905
-3.16748
8.79248
1.497
3
.231
ROA Sesudah
Pair 8
CAR Sebelum - CAR Sesudah
LAMPIRAN 5
RASIO – RASIO SEBELUM DAN SESUDAH MERGER
MASING-MASING BANK
BANK NIAGA SEBELUM DAN SESUDAH MERGER DENGAN BANK
LIPPO MENJADI BANK CIMB NIAGA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
3,79%
1,04%
20,863%
12,977%
25,446%
16,161%
23,575%
15,499%
90,127%
83,986%
2,02%
2,10%
2,350%
2,528%
15,43%
13,59%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK LIPPO SEBELUM DAN SESUDAH MERGER DENGAN
BANK NIAGA MENJADI BANK CIMB NIAGA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
0,50%
1,04%
7,480%
12,977%
9,631%
16,161%
8,897%
15,499%
100,842%
83,986%
2,90%
2,10%
2,954%
2,528%
20,60%
13,59%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK NISP SEBELUM DAN SESUDAH MERGER DENGAN
BANK OCBC INDONESIA MENJADI BANK OCBC NISP
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
2,12%
1,39%
15,934%
17,250%
21,651%
21,293%
20,249%
19,407%
87,588%
97,086%
1,31%
1,79%
1,491%
1,922%
16,15%
18,00%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK OCBC NISP SEBELUM DAN SESUDAH MERGER DENGAN
BANK OCBC SINGAPURA MENJADI BANK OCBC NISP INDONESIA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
1,39%
0,59%
17,250%
25,196%
21,293%
31,971%
19,407%
31,433%
97,086%
86,871%
1,79%
1,91%
1,922%
1,603%
18,00%
13,75%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
Alsa, Yustra Iwata, 2004, Pengaruh Kualitas Asset dan Liabilitas terhadap Kinerja
Perbankan Syariah, Skripsi tidak dipublikasikan, Semarang : Universitas
Diponegoro Semarang.
Anas, Januar, 2012, Kasus Bank Century Indonesia, didownload dari
www.blogspot.com, diakses tanggal 10 Oktober 2012.
Anwari, Ahza, 2010, Pengertian Asset & Liability Management, didownload dari
www.bankirnews.com, diakses tanggal 16 November 2012.
Anwari, Ahza, 2010, Permodalan Bank, didownload dari www.bankirnews.com,
diakses tanggal 16 November 2012.
Bank Indonesia, 2011, Surat Edaran Bank Indonesia No. 13/24/DPNP, Jakarta :
Bank Indonesia.
Bank Indonesia, 2012, Booklet Perbankan Indonesia, Edisi 2012, Jakarta : Bank
Indonesia.
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59
LAMPIRAN
60
LAMPIRAN 1
RISIKO KREDIT, RISIKO LIKUIDITAS, RENTABILITAS, PERMODALAN
LAMPIRAN 2
STATISTIK DESKRIPTIF
Descriptives Sebelum Merger
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
NPL sebelum
4
.50
3.79
1.9500
1.39411
likuiditas a sebelum
4
7.48
20.86
15.3818
5.66501
likuiditas b sebelum
4
9.63
25.45
19.5053
6.84577
likuiditas c sebelum
4
8.90
23.58
18.0320
6.35030
likuiditas d sebelum
4
87.59
100.84
93.9108
6.12150
ROA Sebelum
4
1.31
2.90
2.0050
.66596
Core ROA Sebelum
4
1.49
2.95
2.1793
.62430
CAR Sebelum
4
15.43
20.60
17.5450
2.30646
Valid N (listwise)
4
Descriptives Sesudah Merger
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
NPL Sesudah
4
.59
1.39
1.0150
.32787
likuiditas a sesudah
4
12.98
25.20
17.1000
5.76096
likuiditas b sesudah
4
16.16
31.97
21.3963
7.45346
likuiditas c sesudah
4
15.50
31.43
20.4595
7.54406
likuiditas d sesudah
4
83.99
97.09
87.9823
6.21968
ROA Sesudah
4
1.79
2.10
1.9750
.15242
Core ROA Sesudah
4
1.60
2.53
2.1453
.46075
CAR Sesudah
4
13.59
18.00
14.7325
2.17964
Valid N (listwise)
4
LAMPIRAN 3
UJI NORMALITAS
Explore
Case Processing Summary
Cases
Valid
N
NPL
Likuiditas A
Likuiditas B
Likuiditas C
Likuiditas D
ROA
Core ROA
CAR
Missing
Percent
8
8
8
8
8
8
8
8
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
N
Total
Percent
0
0
0
0
0
0
0
0
.0%
.0%
.0%
.0%
.0%
.0%
.0%
.0%
N
Percent
8
8
8
8
8
8
8
8
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
Descriptives
Statistic
NPL
Mean
95% Confidence Interval for
Mean
1.4825
Lower Bound
.5943
Upper Bound
2.3707
5% Trimmed Mean
1.4089
Median
1.2150
Variance
1.129
Std. Deviation
Likuiditas A
.37563
1.06245
Minimum
.50
Maximum
3.79
Range
3.29
Interquartile Range
1.23
Skewness
1.701
.752
Kurtosis
3.215
1.481
16.2409
1.89806
Mean
95% Confidence Interval for
Mean
Lower Bound
11.7527
Upper Bound
20.7291
5% Trimmed Mean
16.2301
Median
16.5920
Variance
28.821
Std. Deviation
5.36853
Minimum
7.48
Maximum
25.20
Range
17.72
Interquartile Range
6.98
Skewness
.095
Kurtosis
Likuiditas B
Std. Error
Mean
95% Confidence Interval for
Mean
.469
1.481
20.4508
2.36948
Lower Bound
14.8478
Upper Bound
26.0537
5% Trimmed Mean
20.4118
Median
21.2930
Variance
44.915
Std. Deviation
Minimum
.752
6.70189
9.63
Likuiditas C
Maximum
31.97
Range
22.34
Interquartile Range
8.34
Skewness
.147
.752
Kurtosis
.644
1.481
19.2458
2.32802
Mean
95% Confidence Interval for
Mean
Lower Bound
13.7408
Upper Bound
24.7507
5% Trimmed Mean
19.1436
Median
19.4070
Variance
43.358
Std. Deviation
6.58465
Minimum
8.90
Maximum
31.43
Range
22.54
Interquartile Range
7.24
Skewness
.453
Kurtosis
Likuiditas D
Mean
95% Confidence Interval for
Mean
1.481
2.30978
85.4847
Upper Bound
96.4083
5% Trimmed Mean
90.7834
Median
88.8575
Variance
42.681
6.53306
Minimum
83.99
Maximum
100.84
Range
16.86
Interquartile Range
12.38
Skewness
Kurtosis
ROA
1.352
90.9465
Lower Bound
Std. Deviation
Mean
95% Confidence Interval for
Mean
.445
.752
-1.601
1.481
1.9900
.15823
Lower Bound
1.6159
Upper Bound
2.3641
5% Trimmed Mean
1.9772
Median
1.9650
Variance
.752
.200
Std. Deviation
.44753
Minimum
1.31
Maximum
2.90
Range
1.59
Interquartile Range
Core ROA
.31
Skewness
.904
.752
Kurtosis
2.819
1.481
2.1623
.17970
Mean
95% Confidence Interval for
Mean
Lower Bound
1.7373
Upper Bound
2.5872
5% Trimmed Mean
2.1556
Median
2.1360
Variance
.258
Std. Deviation
.50828
Minimum
1.49
Maximum
2.95
Range
1.46
Interquartile Range
.85
Skewness
.139
Kurtosis
CAR
Mean
95% Confidence Interval for
Mean
-1.112
1.481
16.1388
.90664
Lower Bound
13.9949
Upper Bound
18.2826
5% Trimmed Mean
16.0325
Median
15.7900
Variance
Std. Deviation
.752
6.576
2.56437
Minimum
13.59
Maximum
20.60
Range
7.01
Interquartile Range
4.37
Skewness
.617
.752
Kurtosis
-.640
1.481
M-Estimators
Huber's MEstimatora
NPL
Likuiditas A
Likuiditas B
Likuiditas C
Likuiditas D
ROA
Core ROA
CAR
1.2150
16.2176
20.3377
18.9478
90.2722
1.9518
2.1421
15.9214
Tukey's Biweightb
1.1046
16.1582
20.3238
18.6272
90.3539
1.9470
2.1521
15.9718
a. The weighting constant is 1,339.
b. The weighting constant is 4,685.
c. The weighting constants are 1,700, 3,400, and 8,500
d. The weighting constant is 1,340*pi.
Hampel's MEstimatorc
1.1475
16.2220
20.3407
18.9521
90.6987
1.9335
2.1435
16.0332
Andrews' Waved
1.1053
16.1585
20.3259
18.6285
90.3543
1.9517
2.1523
15.9723
Percentiles
Percentiles
5
Weighted Average(Definition 1) NPL
25
50
75
90
95
.5000
.5000
.7025
1.2150
1.9375
.
.
Likuiditas A
7.4800
7.4800
12.9770
16.5920
19.9598
.
.
Likuiditas B
9.6310
9.6310
16.1603
21.2930
24.4973
.
.
Likuiditas C
8.8970
8.8970
15.4990
19.4070
22.7435
.
.
Likuiditas D
83.9860
83.9860
84.7073
88.8575
97.0860
.
.
ROA
1.3100
1.3100
1.7900
1.9650
2.1000
.
.
Core ROA
1.4910
1.4910
1.6828
2.1360
2.5280
.
.
13.5900
13.5900
13.6300
15.7900
18.0000
.
.
.8150
1.2150
1.7550
Likuiditas A
12.9770
16.5920
19.0565
Likuiditas B
16.1605
21.2930
23.5485
Likuiditas C
15.4990
19.4070
21.9120
Likuiditas D
85.4285
88.8575
97.0860
ROA
1.7900
1.9650
2.1000
Core ROA
1.7625
2.1360
2.5280
13.6700
15.7900
18.0000
CAR
Tukey's Hinges
10
NPL
CAR
Extreme Valuese
Case Number
NPL
Highest
Lowest
Likuiditas A
Highest
Lowest
Likuiditas B
Highest
Lowest
Likuiditas C
Highest
Lowest
Likuiditas D
Highest
Lowest
ROA
Highest
Value
1
1
3.79
2
3
2.12
3
4
1.39
4
7
1.39
1
2
.50
2
8
.59
3
6
1.04
4
5
1.04
1
8
25.20
2
1
20.86
3
4
17.25
4
7
17.25
1
2
7.48
2
6
12.98
3
5
12.98
4
3
15.93
1
8
31.97
2
1
25.45
3
3
21.65
4
4
21.29a
1
2
9.63
2
6
16.16
3
5
16.16
4
7
21.29b
1
8
31.43
2
1
23.58
3
3
20.25
4
4
19.41c
1
2
8.90
2
6
15.50
3
5
15.50
4
7
19.41d
1
2
100.84
2
4
97.09
3
7
97.09
4
1
90.13
1
6
83.99
2
5
83.99
3
8
86.87
4
3
87.59
1
2
2.90
Lowest
Core ROA
Highest
Lowest
CAR
Highest
Lowest
2
5
2.10
3
6
2.10
4
1
2.02
1
3
1.31
2
7
1.79
3
4
1.79
4
8
1.91
1
2
2.95
2
5
2.53
3
6
2.53
4
1
2.35
1
3
1.49
2
8
1.60
3
7
1.92
4
4
1.92
1
2
20.60
2
4
18.00
3
7
18.00
4
3
16.15
1
6
13.59
2
5
13.59
3
8
13.75
4
1
15.43
a. Only a partial list of cases with the value 21,29 are shown in the table
of upper extremes.
b. Only a partial list of cases with the value 21,29 are shown in the table
of lower extremes.
c. Only a partial list of cases with the value 19,41 are shown in the table
of upper extremes.
d. Only a partial list of cases with the value 19,41 are shown in the table
of lower extremes.
e. The requested number of extreme values exceeds the number of data
points. A smaller number of extremes is displayed.
Tests of Normality
Kolmogorov-Smirnova
Statistic
df
Shapiro-Wilk
Sig.
Statistic
df
Sig.
NPL
.285
8
.055
.827
8
.055
Likuiditas A
.175
8
.200*
.977
8
.944
8
.200
*
.965
8
.853
.200
*
.955
8
.758
.200
*
Likuiditas B
Likuiditas C
.179
.189
8
Likuiditas D
.201
8
.887
8
.217
ROA
.278
8
.069
.896
8
.264
8
.200
*
.946
8
.672
.200
*
.896
8
.264
Core ROA
CAR
.182
.199
8
a. Lilliefors Significance Correction
*. This is a lower bound of the true significance.
LAMPIRAN 4
UJI BEDA
T-Test
Paired Samples Statistics
Mean
Pair 1
Pair 2
Pair 3
Pair 4
Pair 5
Pair 6
Pair 7
Pair 8
N
Std. Deviation
Std. Error Mean
NPL sebelum
1.9500
4
1.39411
.69705
NPL Sesudah
1.0150
4
.32787
.16394
likuiditas a sebelum
15.3818
4
5.66501
2.83251
likuiditas a sesudah
17.1000
4
5.76096
2.88048
likuiditas b sebelum
19.5052
4
6.84577
3.42288
likuiditas b sesudah
21.3963
4
7.45346
3.72673
likuiditas c sebelum
18.0320
4
6.35030
3.17515
likuiditas c sesudah
20.4595
4
7.54406
3.77203
likuiditas d sebelum
93.9108
4
6.12150
3.06075
likuiditas d sesudah
87.9823
4
6.21968
3.10984
ROA Sebelum
2.0050
4
.66596
.33298
ROA Sesudah
1.9750
4
.15242
.07621
Core ROA Sebelum
2.1793
4
.62430
.31215
Core ROA Sesudah
2.1453
4
.46075
.23037
CAR Sebelum
17.5450
4
2.30646
1.15323
CAR Sesudah
14.7325
4
2.17964
1.08982
Paired Samples Test
Paired Differences
95% Confidence Interval of the
Difference
Mean
Pair 1
NPL sebelum - NPL Sesudah
Pair 2
likuiditas a sebelum - likuiditas
Std. Deviation
Std. Error Mean
Lower
Upper
t
df
Sig. (2-tailed)
.93500
1.35771
.67885
-1.22541
3.09541
1.377
3
.262
-1.71825
6.96341
3.48171
-12.79859
9.36209
-.494
3
.656
-1.89100
8.73085
4.36543
-15.78374
12.00174
-.433
3
.694
-2.42750
8.76681
4.38340
-16.37745
11.52245
-.554
3
.618
5.92850
11.19235
5.59618
-11.88103
23.73803
1.059
3
.367
a sesudah
Pair 3
likuiditas b sebelum - likuiditas
b sesudah
Pair 4
likuiditas c sebelum - likuiditas
c sesudah
Pair 5
likuiditas d sebelum - likuiditas
d sesudah
Pair 6
ROA Sebelum - ROA Sesudah
.03000
.54394
.27197
-.83552
.89552
.110
3
.919
Pair 7
Core ROA Sebelum - Core
.03400
.40664
.20332
-.61305
.68105
.167
3
.878
2.81250
3.75811
1.87905
-3.16748
8.79248
1.497
3
.231
ROA Sesudah
Pair 8
CAR Sebelum - CAR Sesudah
LAMPIRAN 5
RASIO – RASIO SEBELUM DAN SESUDAH MERGER
MASING-MASING BANK
BANK NIAGA SEBELUM DAN SESUDAH MERGER DENGAN BANK
LIPPO MENJADI BANK CIMB NIAGA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
3,79%
1,04%
20,863%
12,977%
25,446%
16,161%
23,575%
15,499%
90,127%
83,986%
2,02%
2,10%
2,350%
2,528%
15,43%
13,59%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK LIPPO SEBELUM DAN SESUDAH MERGER DENGAN
BANK NIAGA MENJADI BANK CIMB NIAGA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
0,50%
1,04%
7,480%
12,977%
9,631%
16,161%
8,897%
15,499%
100,842%
83,986%
2,90%
2,10%
2,954%
2,528%
20,60%
13,59%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK NISP SEBELUM DAN SESUDAH MERGER DENGAN
BANK OCBC INDONESIA MENJADI BANK OCBC NISP
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
2,12%
1,39%
15,934%
17,250%
21,651%
21,293%
20,249%
19,407%
87,588%
97,086%
1,31%
1,79%
1,491%
1,922%
16,15%
18,00%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR
BANK OCBC NISP SEBELUM DAN SESUDAH MERGER DENGAN
BANK OCBC SINGAPURA MENJADI BANK OCBC NISP INDONESIA
Rasio
Sebelum
Sesudah
Merger
Merger
Risiko Kredit
- NPL
1,39%
0,59%
17,250%
25,196%
21,293%
31,971%
19,407%
31,433%
97,086%
86,871%
1,79%
1,91%
1,922%
1,603%
18,00%
13,75%
Risiko Likuiditas
- Ketersediaan Likuiditas Bank terhadap Total
Asset
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Jangka Pendek
- Ketersediaan Likuiditas Bank terhadap
Pendanaan Non – Inti
- Ketergantungan Bank pada Pendanaan Non –
Inti
Rentabilitas
- ROA
- Core ROA
Permodalan
- CAR