Analisis Faktor-Faktor yang Mempengaruhi Kinerja Keuangan pada Perbankan yang Go Public di Bursa Efek Indonesia (BEI)
Universitas Sumatera Utara
Hasil Perhitungan Capital Adequacy Ratio (CAR) Pada Bank Umum yang
Go Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
12.55
12.03
13.55
34.00
12.09
14.98
19.12
15.87
10.00
21.00
29.87
16.54
14.99
17.00
17.01
16.00
21.87
13.00
15.98
21.00
CAR
2008
2009
0.87
15.00
14.76
14.00
9.86
14.02
31.00
18.99
12.99
11.00
23.00
16.77
13.00
18.00
13.00
14.00
9.87
12.88
16.00
15.00
23.78
18.79
24.98
8.03
14.00
14.00
16.54
13.79
14.00
13.00
17.00
18.43
19.76
21.96
10.87
12.00
13.00
13.00
23.76
23.09
2010
14.71
14.00
11.98
12.50
13.00
14.00
18.21
14.00
10.00
14.50
23.00
14.79
13.32
12.44
13.12
16.00
19.43
13.88
14.11
17.97
Universitas Sumatera Utara
Hasil Perhitungan Non Performing Loan (NPL) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
0.81
3.77
3.57
2.27
6.10
3.67
2.27
1.18
6.81
7.33
2.48
1.53
8.18
3.03
1.89
2.53
3.06
4.60
3.44
1.95
NPL
2008
2009
0.60
0.62
3.49
3.47
4.87
2.84
1.92
2.15
5.64
5.63
2.10
3.02
2.29
3.69
1.17
1.29
4.08
5.70
4.69
1.87
1.49
1.96
1.18
1.70
4.96
4.68
2.50
3.06
1.25
1.83
2.72
3.17
4.34
3.16
3.53
3.99
2.80
3.52
2.16
1.82
2010
0.81
2.01
2.99
2.03
3.04
3.54
3.37
2.43
2.35
2.30
3.00
3.23
4.30
2.71
2.98
3.23
2.80
3.67
4.27
2.09
Universitas Sumatera Utara
Hasil Perhitungan Loan to Deposit Ratio (LDR) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
LDR
2007
40.71
79.18
64.00
51.00
88.31
52.36
84.00
91.00
67.14
55.10
98.22
47.68
59.42
77.00
50.22
91.04
96.43
84.10
73.88
49.37
2008
54.65
87.82
81.00
59.00
94.27
52.36
90.73
99.78
81.85
62.07
112.60
67.40
67.40
93.80
71.02
94.87
83.77
90.40
86.35
87.06
2009
49.00
83.04
75.00
49.87
87.00
47.97
87.00
94.24
59.90
56.00
81.50
56.00
59.00
92.78
73.00
70.54
74.00
86.00
76.00
80.78
2010
51.37
80.00
80.13
50.69
85.00
40.54
98.77
99.08
59.00
64.22
78.43
41.98
68.21
85.49
80.00
60.56
76.72
87.76
88.36
76.00
Universitas Sumatera Utara
Hasil Perhitungan Beban Operasional dan Pendapatan Operasional (BOPO)
Pada Bank Umum yang Go Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
67.00
96.48
85.00
85.00
95.65
82.67
74.17
79.00
95.04
76.75
87.70
78.48
83.88
83.90
91.92
87.09
73.89
85.00
69.87
89.69
BOPO
2008
2009
65.11
69.00
95.54
96.06
85.00
87.43
81.00
82.00
98.78
99.87
88.69
92.00
84.00
85.00
82.00
85.06
100.90
96.70
72.87
73.00
90.98
94.00
81.53
80.76
91.51
86.00
86.76
83.00
95.06
88.79
85.44
84.00
79.35
84.32
89.00
89.23
70.97
78.00
77.97
70.09
Universitas Sumatera Utara
2010
66.49
94.00
44.43
46.14
51.23
88.00
74.00
79.56
49.87
70.67
13.00
93.00
78.03
77.40
86.00
71.98
77.17
81.33
73.70
79.90
Hasil Perhitungan Net Interest Margin (NIM) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
NIM
2007
6.09
3.67
6.00
9.89
6.96
2.56
8.47
9.00
4.68
5.20
6.85
5.06
4.99
5.77
3.61
4.99
5.81
7.00
10.86
3.72
2008
6.55
3.74
7.00
11.87
5.17
2.61
8.31
11.00
4.24
5.48
7.57
5.44
6.26
5.43
5.00
5.40
4.74
7.00
10.18
5.44
2009
13.98
5.00
5.68
13.00
6.79
5.04
16.98
11.00
5.98
10.00
10.00
9.05
10.00
7.87
6.00
8.24
9.08
8.00
14.00
9.86
2010
5.14
6.87
4.46
10.00
10.03
5.09
11.65
10.00
9.57
5.10
2.38
9.00
5.85
6.57
5.00
11.09
4.64
5.45
9.40
17.40
Universitas Sumatera Utara
Hasil Perhitungan Return On Asset (ROA) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
4.00
2.03
2.01
1.00
1.03
1.05
2.97
2.00
0.98
2.00
1.00
2.01
1.45
2.00
1.00
1.23
2.00
1.00
2.98
0.97
ROA
2008
2009
4.01
4.98
2.06
2.09
2.00
1.02
2.43
2.00
2.09
3.01
1.00
1.00
2.98
2.00
3.00
2.97
0.99
0.87
2.00
3.00
1.97
1.00
2.00
2.96
1.00
2.00
0.68
1.98
1.00
1.00
1.32
2.35
2.00
2.00
2.00
2.00
3.00
4.00
2.22
3.95
2010
3.47
2.87
2.00
1.11
1.00
2.09
4.06
3.00
1.00
2.93
0.99
1.97
2.34
2.66
1.00
1.00
2.50
2.36
3.51
3.00
Universitas Sumatera Utara
HASIL UJI STATISTIK DESKRIPTIF
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
ROA
80
.68
4.98
2.0687
.96014
CAR
80
.87
34.00
15.8900
5.08096
NPL
80
.60
8.18
3.0571
1.50137
LDR
80
40.54
112.60
73.8661
17.03880
BOPO
80
13.00
100.90
80.8856
13.81255
NIM
80
2.38
17.40
7.3731
3.10457
Valid N (listwise)
80
UJI NORMALITAS
Universitas Sumatera Utara
UJI MULTIKOLINEARITAS
Coefficientsa
Collinearity Statistics
Model
1
Tolerance
VIF
CAR
.968
1.033
NPL
.876
1.142
LDR
.970
1.030
BOPO
.918
1.090
NIM
.936
1.068
a. Dependent Variable: ROA
Universitas Sumatera Utara
HASIL UJI AUTOKORELASI
Model Summaryb
Model
1
Adjusted R
Std. Error of the
R
R Square
Square
Estimate
Durbin-Watson
.836a
.787
.739
.83780
1.799
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
UJI HETEROKEDASTISITAS
Universitas Sumatera Utara
HASIL UJI SIMULTAN (F test)
ANOVAb
Model
1
Sum of Squares
df
Mean Square
F
Sig.
Regression
20.887
5
4.177
5.952
.000a
Residual
51.941
74
.702
Total
72.828
79
t
Sig.
3.460
.001
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
HASIL UJI REGRESI BERGANDA
Coefficientsa
Standardized
Unstandardized Coefficients
Model
1
Coefficients
B
Std. Error
Beta
(Constant)
2.689
.777
CAR
-.042
.019
-.224
-2.245
.028
NPL
-.142
.067
-.222
-2.114
.038
LDR
.003
.006
.046
.464
.644
BOPO
-.007
.007
-.103
-1.009
.316
NIM
.119
.031
.383
3.779
.000
a. Dependent Variable: ROA
HASIL UJI KOEFISIEN DETERMINASI
Model Summaryb
Std. Error of the
Model
1
R
R Square
Adjusted R Square
Estimate
.836a
.787
.739
.83780
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
Universitas Sumatera Utara
Hasil Perhitungan Capital Adequacy Ratio (CAR) Pada Bank Umum yang
Go Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
12.55
12.03
13.55
34.00
12.09
14.98
19.12
15.87
10.00
21.00
29.87
16.54
14.99
17.00
17.01
16.00
21.87
13.00
15.98
21.00
CAR
2008
2009
0.87
15.00
14.76
14.00
9.86
14.02
31.00
18.99
12.99
11.00
23.00
16.77
13.00
18.00
13.00
14.00
9.87
12.88
16.00
15.00
23.78
18.79
24.98
8.03
14.00
14.00
16.54
13.79
14.00
13.00
17.00
18.43
19.76
21.96
10.87
12.00
13.00
13.00
23.76
23.09
2010
14.71
14.00
11.98
12.50
13.00
14.00
18.21
14.00
10.00
14.50
23.00
14.79
13.32
12.44
13.12
16.00
19.43
13.88
14.11
17.97
Universitas Sumatera Utara
Hasil Perhitungan Non Performing Loan (NPL) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
0.81
3.77
3.57
2.27
6.10
3.67
2.27
1.18
6.81
7.33
2.48
1.53
8.18
3.03
1.89
2.53
3.06
4.60
3.44
1.95
NPL
2008
2009
0.60
0.62
3.49
3.47
4.87
2.84
1.92
2.15
5.64
5.63
2.10
3.02
2.29
3.69
1.17
1.29
4.08
5.70
4.69
1.87
1.49
1.96
1.18
1.70
4.96
4.68
2.50
3.06
1.25
1.83
2.72
3.17
4.34
3.16
3.53
3.99
2.80
3.52
2.16
1.82
2010
0.81
2.01
2.99
2.03
3.04
3.54
3.37
2.43
2.35
2.30
3.00
3.23
4.30
2.71
2.98
3.23
2.80
3.67
4.27
2.09
Universitas Sumatera Utara
Hasil Perhitungan Loan to Deposit Ratio (LDR) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
LDR
2007
40.71
79.18
64.00
51.00
88.31
52.36
84.00
91.00
67.14
55.10
98.22
47.68
59.42
77.00
50.22
91.04
96.43
84.10
73.88
49.37
2008
54.65
87.82
81.00
59.00
94.27
52.36
90.73
99.78
81.85
62.07
112.60
67.40
67.40
93.80
71.02
94.87
83.77
90.40
86.35
87.06
2009
49.00
83.04
75.00
49.87
87.00
47.97
87.00
94.24
59.90
56.00
81.50
56.00
59.00
92.78
73.00
70.54
74.00
86.00
76.00
80.78
2010
51.37
80.00
80.13
50.69
85.00
40.54
98.77
99.08
59.00
64.22
78.43
41.98
68.21
85.49
80.00
60.56
76.72
87.76
88.36
76.00
Universitas Sumatera Utara
Hasil Perhitungan Beban Operasional dan Pendapatan Operasional (BOPO)
Pada Bank Umum yang Go Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
67.00
96.48
85.00
85.00
95.65
82.67
74.17
79.00
95.04
76.75
87.70
78.48
83.88
83.90
91.92
87.09
73.89
85.00
69.87
89.69
BOPO
2008
2009
65.11
69.00
95.54
96.06
85.00
87.43
81.00
82.00
98.78
99.87
88.69
92.00
84.00
85.00
82.00
85.06
100.90
96.70
72.87
73.00
90.98
94.00
81.53
80.76
91.51
86.00
86.76
83.00
95.06
88.79
85.44
84.00
79.35
84.32
89.00
89.23
70.97
78.00
77.97
70.09
Universitas Sumatera Utara
2010
66.49
94.00
44.43
46.14
51.23
88.00
74.00
79.56
49.87
70.67
13.00
93.00
78.03
77.40
86.00
71.98
77.17
81.33
73.70
79.90
Hasil Perhitungan Net Interest Margin (NIM) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
NIM
2007
6.09
3.67
6.00
9.89
6.96
2.56
8.47
9.00
4.68
5.20
6.85
5.06
4.99
5.77
3.61
4.99
5.81
7.00
10.86
3.72
2008
6.55
3.74
7.00
11.87
5.17
2.61
8.31
11.00
4.24
5.48
7.57
5.44
6.26
5.43
5.00
5.40
4.74
7.00
10.18
5.44
2009
13.98
5.00
5.68
13.00
6.79
5.04
16.98
11.00
5.98
10.00
10.00
9.05
10.00
7.87
6.00
8.24
9.08
8.00
14.00
9.86
2010
5.14
6.87
4.46
10.00
10.03
5.09
11.65
10.00
9.57
5.10
2.38
9.00
5.85
6.57
5.00
11.09
4.64
5.45
9.40
17.40
Universitas Sumatera Utara
Hasil Perhitungan Return On Asset (ROA) Pada Bank Umum yang Go
Public Tahun 2007-2010 (dalam persen)
NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
NAMA BANK
Bank Central Asia, Tbk
Bank Artha Graha
Bank Bukopin
Bank Bumi Artha
Bank Bumi putera Indonesia
Bank Victoria Internasional
Bank Danamon Indonesia, tbk
Bank Himpunan Saudara 1906
Bank Kesawan, Tbk
Bank Mandiri, Tbk
Bank Mayapada, Tbk
Bank Mega, Tbk
Bank Negara Indonesia, Tbk
Bank Niaga, Tbk
Bank Nusantara Parahyangan
Bank OCBC NISP, Tbk
Bank Panin Indonesia, Tbk
Bank Permata, Tbk
Bank Rakyat Indonesia
Bank Swadesi, Tbk
KODE
BANK
BBCA
INPC
BBKP
BNBA
BABP
BVIC
BDMN
SDRA
BKSW
BMRI
MAYA
MEGA
BBNI
BNGA
BBNP
NISP
PNBN
BNLI
BBRI
BSWD
2007
4.00
2.03
2.01
1.00
1.03
1.05
2.97
2.00
0.98
2.00
1.00
2.01
1.45
2.00
1.00
1.23
2.00
1.00
2.98
0.97
ROA
2008
2009
4.01
4.98
2.06
2.09
2.00
1.02
2.43
2.00
2.09
3.01
1.00
1.00
2.98
2.00
3.00
2.97
0.99
0.87
2.00
3.00
1.97
1.00
2.00
2.96
1.00
2.00
0.68
1.98
1.00
1.00
1.32
2.35
2.00
2.00
2.00
2.00
3.00
4.00
2.22
3.95
2010
3.47
2.87
2.00
1.11
1.00
2.09
4.06
3.00
1.00
2.93
0.99
1.97
2.34
2.66
1.00
1.00
2.50
2.36
3.51
3.00
Universitas Sumatera Utara
HASIL UJI STATISTIK DESKRIPTIF
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
ROA
80
.68
4.98
2.0687
.96014
CAR
80
.87
34.00
15.8900
5.08096
NPL
80
.60
8.18
3.0571
1.50137
LDR
80
40.54
112.60
73.8661
17.03880
BOPO
80
13.00
100.90
80.8856
13.81255
NIM
80
2.38
17.40
7.3731
3.10457
Valid N (listwise)
80
UJI NORMALITAS
Universitas Sumatera Utara
UJI MULTIKOLINEARITAS
Coefficientsa
Collinearity Statistics
Model
1
Tolerance
VIF
CAR
.968
1.033
NPL
.876
1.142
LDR
.970
1.030
BOPO
.918
1.090
NIM
.936
1.068
a. Dependent Variable: ROA
Universitas Sumatera Utara
HASIL UJI AUTOKORELASI
Model Summaryb
Model
1
Adjusted R
Std. Error of the
R
R Square
Square
Estimate
Durbin-Watson
.836a
.787
.739
.83780
1.799
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
UJI HETEROKEDASTISITAS
Universitas Sumatera Utara
HASIL UJI SIMULTAN (F test)
ANOVAb
Model
1
Sum of Squares
df
Mean Square
F
Sig.
Regression
20.887
5
4.177
5.952
.000a
Residual
51.941
74
.702
Total
72.828
79
t
Sig.
3.460
.001
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
HASIL UJI REGRESI BERGANDA
Coefficientsa
Standardized
Unstandardized Coefficients
Model
1
Coefficients
B
Std. Error
Beta
(Constant)
2.689
.777
CAR
-.042
.019
-.224
-2.245
.028
NPL
-.142
.067
-.222
-2.114
.038
LDR
.003
.006
.046
.464
.644
BOPO
-.007
.007
-.103
-1.009
.316
NIM
.119
.031
.383
3.779
.000
a. Dependent Variable: ROA
HASIL UJI KOEFISIEN DETERMINASI
Model Summaryb
Std. Error of the
Model
1
R
R Square
Adjusted R Square
Estimate
.836a
.787
.739
.83780
a. Predictors: (Constant), NIM, CAR, LDR, BOPO, NPL
b. Dependent Variable: ROA
Universitas Sumatera Utara