Faktor-Faktor Yang Mempengaruhi Profit Distribution Management Pada Perbankan Syariah Di Indonesia
Lampiran I
Data Rasio Keuangan Perbankan Syariah di Indonesia Periode 2009-2013
Tahun
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
Victoria Syariah
12,31
98,21
3,20
10,14
12,63
7,76
6,66
3,00
7,56
Panin Syariah
10,64
99,11
3,17
8,32
12,32
8,71
2,63
2,00
6,83
Syariah Mandiri
12,08
91,05
5,64
8,05
10,24
9,91
0,59
5,00
6,80
Syariah Bukopin
13,06
89,12
3,25
8,15
8,83
9,32
0,63
2,00
6,83
Central Asia Syariah
11,59
81,76
3,42
8,40
8,50
7,52
5,86
6,00
6,02
Muamalat Indonesia
11,63
95,73
2,96
9,78
12,50
8,85
0,63
1,00
6,88
Mega Syariah
Rakyat
Indonesia
Syariah
13,56
90,27
1,04
8,78
12,31
9,06
1,19
3,00
6,48
11,34
81,16
3,25
10,34
10,11
9,27
1,80
1,00
7,36
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
Victoria Syariah
14,07
87,03
3,19
8,21
8,58
6,62
6,85
3,00
7,63
Panin Syariah
11,22
87,93
3,20
9,39
8,58
3,21
0,70
2,00
4,95
Syariah Mandiri
14,78
86,85
5,66
9,11
7,66
9,27
0,47
5,00
6,63
Syariah Bukopin
11,51
83,07
3,80
9,05
7,26
9,15
0,97
2,00
6,89
Central Asia Syariah
13,37
85,20
3,59
8,06
7,13
6,59
0,92
6,00
6,47
Muamalat Indonesia
12,29
98,45
4,33
10,51
9,31
6,31
0,90
1,00
6,78
Mega Syariah
Rakyat
Indonesia
Syariah
12,04
90,23
1,50
9,03
8,23
9,14
1,30
3,00
6,88
10,85
82,25
3,80
8,86
7,50
9,20
0,92
1,00
6,80
Nama Bank
PDM
2009
Tahun
PDM
2010
106
Universitas Sumatera Utara
Lanjutan Lampiran I.
Data Rasio Keuangan Perbankan Syariah di Indonesia Periode 2009-2013
Tahun
2011
Tahun
2012
Tahun
2013
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
12,46
85,16
2,77
6,92
8,28
5,27
4,20
3,00
7,21
Panin Syariah
10,12
86,31
3,15
8,33
8,28
1,73
3,33
2,00
5,16
Syariah Mandiri
12,52
83,93
4,84
7,81
8,49
3,01
0,42
5,00
7,02
Syariah Bukopin
10,29
82,54
1,74
7,65
8,16
5,21
0,78
2,00
6,73
Central Asia Syariah
11,49
86,68
3,62
6,71
8,21
3,13
1,26
6,00
6,19
Muamalat Indonesia
12,52
79,47
4,73
8,95
8,34
8,56
0,72
1,00
7,21
Mega Syariah
13,14
92,44
2,08
8,76
8,50
2,78
0,12
3,00
6,54
Rakyat Indonesia Syariah
11,62
89,11
3,20
6,63
8,31
3,48
1,26
1,00
6,57
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
11,26
88,52
0,95
7,58
9,65
5,56
8,28
3,00
7,89
Panin Syariah
11,64
89,86
2,75
7,40
9,65
1,99
0,99
2,00
5,59
Syariah Mandiri
11,89
84,06
3,52
7,23
8,98
4,26
3,74
5,00
7,98
Syariah Bukopin
10,78
86,03
4,57
6,54
7,93
5,56
0,77
2,00
7,09
Central Asia Syariah
11,10
81,48
1,20
7,64
7,74
6,33
8,52
6,00
7,32
Muamalat Indonesia
12,42
85,82
4,32
10,32
9,76
8,31
0,68
1,00
7,13
Mega Syariah
12,03
79,20
3,52
6,67
9,12
8,60
0,11
3,00
7,54
Rakyat Indonesia Syariah
12,59
83,12
3,19
6,29
8,50
6,73
5,52
1,00
7,80
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
13,71
92,21
2,43
8,27
8,32
2,23
8,32
3,00
7,85
Panin Syariah
11,55
93,90
2,13
7,97
8,63
3,50
3,42
2,00
6,93
Syariah Mandiri
13,97
87,25
2,42
8,14
7,55
4,71
3,52
5,00
8,02
Syariah Bukopin
12,07
94,40
4,32
6,13
7,14
5,20
0,79
2,00
7,43
Central Asia Syariah
10,23
92,09
2,20
8,42
6,96
7,50
7,13
6,00
6,87
Muamalat Indonesia
12,13
97,08
2,60
8,48
8,12
8,26
0,59
1,00
8,01
Mega Syariah
12,90
84,90
3,03
6,55
8,12
7,31
2,13
3,00
7,42
Rakyat Indonesia Syariah
13,28
81,39
2,77
9,94
7,45
6,51
9,36
1,00
7,65
107
Universitas Sumatera Utara
Lampiran II
Hasil Olah Data SPSS 18
Statistik Deskriptif Variabel Penelitian
Statistik Desktiptif
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Valid N (listwise)
N
40
40
40
40
40
40
40
40
40
40
Minimum
10,12
79,20
,95
6,13
6,96
1,73
,11
1,00
4,95
Maximum
14,78
99,11
5,66
10,51
12,63
9,91
9,36
6,00
8,02
Mean
12,1013
88,1092
3,1763
8,2378
8,7970
6,3905
2,7245
2,8750
6,9735
Std. Deviation
1,09808
5,23883
1,11350
1,17732
1,45796
2,45285
2,79836
1,71251
,71393
Regression
Uji Normalitas
108
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
N
Normal Parametersa,b
Mean
Std. Deviation
Most Extreme Differences
Absolute
Positive
Negative
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
a. Test distribution is Normal.
b. Calculated from data.
Unstandardized
Residual
40
,0000000
,51873602
,077
,070
-,077
,489
,970
Uji Heteroskedastisitas
Pendekatan Grafik
Pendekatan Statistik
Coefficientsa
Model
1
(Constant)
Unstandardized Coefficients
B
Std. Error
1,299
1,021
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
,028
-,024
-,002
,065
,078
-,061
-,025
,038
,047
,011
,051
,049
,041
,023
,021
,031
Standardized
Coefficients
Beta
,095
-,384
-,009
,234
,348
-,459
-,217
,199
T
1,272
Sig.
,213
,604
-2,190
-,048
1,330
1,896
-2,658
-1,220
1,205
,550
,066
,962
,193
,067
,062
,232
,237
109
Universitas Sumatera Utara
Uji Autokorelasi
Model Summaryb
Model
R
R Square
1
,687
,472
Adjusted
Square
,336
R
Std. Error of the
Estimate
,58183
Durbin-Watson
2,161
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
b. Dependent Variable: PDM
Uji Multikolinieritas
Model
1 (Constant)
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
,224
FDR
,014
NPF
,002
GDP
-,230
NIF
-,034
TPF
,125
EPA
,126
DMBE
-,106
a. Dependent Variable: PDM
,088
,021
,098
,092
,078
,043
,039
,060
Coefficientsa
Standardized
Coefficients
Beta
,344
,106
,003
-,379
-,070
,431
,493
-,254
t
2,246
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
Collinearity Statistics
Tolerance
VIF
,921
,743
,736
,739
,677
,768
,725
,835
1,086
1,346
1,360
1,354
1,477
1,303
1,378
1,197
Analisis Regresi Berganda
Coefficientsa
Model
1
(Constant)
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
,224
,014
,002
-,230
-,034
,125
,126
-,106
,088
,021
,098
,092
,078
,043
,039
,060
Standardized
Coefficients
Beta
,344
,106
,003
-,379
-,070
,431
,493
-,254
2,246
t
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
110
Universitas Sumatera Utara
Uji F (Secara Simultan)
Sum of Squares
ANOVAb
Df
Mean Square
F
Sig.
Regression
9,384
8
1,173
3,465
,006a
Residual
10,494
31
,339
Total
19,878
39
Model
1
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
b. Dependent Variable: PDM
Uji t (Secara Parsial)
Coefficientsa
Model
1
(Constant)
Standardized
Coefficients
Beta
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
,224
FDR
,014
NPF
,002
GDP
-,230
NIF
-,034
TPF
,125
EPA
,126
DMBE
-,106
a. Dependent Variable: PDM
,088
,021
,098
,092
,078
,043
,039
,060
,344
,106
,003
-,379
-,070
,431
,493
-,254
T
2,246
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
Uji Koefisien Determinasi(R2 )
Model Summaryb
Model
R
R Square
Adjusted
Square
1
,687
,472
,336
R
Std. Error of the Estimate
,58183
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
111
Universitas Sumatera Utara
Data Rasio Keuangan Perbankan Syariah di Indonesia Periode 2009-2013
Tahun
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
Victoria Syariah
12,31
98,21
3,20
10,14
12,63
7,76
6,66
3,00
7,56
Panin Syariah
10,64
99,11
3,17
8,32
12,32
8,71
2,63
2,00
6,83
Syariah Mandiri
12,08
91,05
5,64
8,05
10,24
9,91
0,59
5,00
6,80
Syariah Bukopin
13,06
89,12
3,25
8,15
8,83
9,32
0,63
2,00
6,83
Central Asia Syariah
11,59
81,76
3,42
8,40
8,50
7,52
5,86
6,00
6,02
Muamalat Indonesia
11,63
95,73
2,96
9,78
12,50
8,85
0,63
1,00
6,88
Mega Syariah
Rakyat
Indonesia
Syariah
13,56
90,27
1,04
8,78
12,31
9,06
1,19
3,00
6,48
11,34
81,16
3,25
10,34
10,11
9,27
1,80
1,00
7,36
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
Victoria Syariah
14,07
87,03
3,19
8,21
8,58
6,62
6,85
3,00
7,63
Panin Syariah
11,22
87,93
3,20
9,39
8,58
3,21
0,70
2,00
4,95
Syariah Mandiri
14,78
86,85
5,66
9,11
7,66
9,27
0,47
5,00
6,63
Syariah Bukopin
11,51
83,07
3,80
9,05
7,26
9,15
0,97
2,00
6,89
Central Asia Syariah
13,37
85,20
3,59
8,06
7,13
6,59
0,92
6,00
6,47
Muamalat Indonesia
12,29
98,45
4,33
10,51
9,31
6,31
0,90
1,00
6,78
Mega Syariah
Rakyat
Indonesia
Syariah
12,04
90,23
1,50
9,03
8,23
9,14
1,30
3,00
6,88
10,85
82,25
3,80
8,86
7,50
9,20
0,92
1,00
6,80
Nama Bank
PDM
2009
Tahun
PDM
2010
106
Universitas Sumatera Utara
Lanjutan Lampiran I.
Data Rasio Keuangan Perbankan Syariah di Indonesia Periode 2009-2013
Tahun
2011
Tahun
2012
Tahun
2013
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
12,46
85,16
2,77
6,92
8,28
5,27
4,20
3,00
7,21
Panin Syariah
10,12
86,31
3,15
8,33
8,28
1,73
3,33
2,00
5,16
Syariah Mandiri
12,52
83,93
4,84
7,81
8,49
3,01
0,42
5,00
7,02
Syariah Bukopin
10,29
82,54
1,74
7,65
8,16
5,21
0,78
2,00
6,73
Central Asia Syariah
11,49
86,68
3,62
6,71
8,21
3,13
1,26
6,00
6,19
Muamalat Indonesia
12,52
79,47
4,73
8,95
8,34
8,56
0,72
1,00
7,21
Mega Syariah
13,14
92,44
2,08
8,76
8,50
2,78
0,12
3,00
6,54
Rakyat Indonesia Syariah
11,62
89,11
3,20
6,63
8,31
3,48
1,26
1,00
6,57
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
11,26
88,52
0,95
7,58
9,65
5,56
8,28
3,00
7,89
Panin Syariah
11,64
89,86
2,75
7,40
9,65
1,99
0,99
2,00
5,59
Syariah Mandiri
11,89
84,06
3,52
7,23
8,98
4,26
3,74
5,00
7,98
Syariah Bukopin
10,78
86,03
4,57
6,54
7,93
5,56
0,77
2,00
7,09
Central Asia Syariah
11,10
81,48
1,20
7,64
7,74
6,33
8,52
6,00
7,32
Muamalat Indonesia
12,42
85,82
4,32
10,32
9,76
8,31
0,68
1,00
7,13
Mega Syariah
12,03
79,20
3,52
6,67
9,12
8,60
0,11
3,00
7,54
Rakyat Indonesia Syariah
12,59
83,12
3,19
6,29
8,50
6,73
5,52
1,00
7,80
Nama Bank
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Victoria Syariah
13,71
92,21
2,43
8,27
8,32
2,23
8,32
3,00
7,85
Panin Syariah
11,55
93,90
2,13
7,97
8,63
3,50
3,42
2,00
6,93
Syariah Mandiri
13,97
87,25
2,42
8,14
7,55
4,71
3,52
5,00
8,02
Syariah Bukopin
12,07
94,40
4,32
6,13
7,14
5,20
0,79
2,00
7,43
Central Asia Syariah
10,23
92,09
2,20
8,42
6,96
7,50
7,13
6,00
6,87
Muamalat Indonesia
12,13
97,08
2,60
8,48
8,12
8,26
0,59
1,00
8,01
Mega Syariah
12,90
84,90
3,03
6,55
8,12
7,31
2,13
3,00
7,42
Rakyat Indonesia Syariah
13,28
81,39
2,77
9,94
7,45
6,51
9,36
1,00
7,65
107
Universitas Sumatera Utara
Lampiran II
Hasil Olah Data SPSS 18
Statistik Deskriptif Variabel Penelitian
Statistik Desktiptif
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
PDM
Valid N (listwise)
N
40
40
40
40
40
40
40
40
40
40
Minimum
10,12
79,20
,95
6,13
6,96
1,73
,11
1,00
4,95
Maximum
14,78
99,11
5,66
10,51
12,63
9,91
9,36
6,00
8,02
Mean
12,1013
88,1092
3,1763
8,2378
8,7970
6,3905
2,7245
2,8750
6,9735
Std. Deviation
1,09808
5,23883
1,11350
1,17732
1,45796
2,45285
2,79836
1,71251
,71393
Regression
Uji Normalitas
108
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
N
Normal Parametersa,b
Mean
Std. Deviation
Most Extreme Differences
Absolute
Positive
Negative
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
a. Test distribution is Normal.
b. Calculated from data.
Unstandardized
Residual
40
,0000000
,51873602
,077
,070
-,077
,489
,970
Uji Heteroskedastisitas
Pendekatan Grafik
Pendekatan Statistik
Coefficientsa
Model
1
(Constant)
Unstandardized Coefficients
B
Std. Error
1,299
1,021
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
,028
-,024
-,002
,065
,078
-,061
-,025
,038
,047
,011
,051
,049
,041
,023
,021
,031
Standardized
Coefficients
Beta
,095
-,384
-,009
,234
,348
-,459
-,217
,199
T
1,272
Sig.
,213
,604
-2,190
-,048
1,330
1,896
-2,658
-1,220
1,205
,550
,066
,962
,193
,067
,062
,232
,237
109
Universitas Sumatera Utara
Uji Autokorelasi
Model Summaryb
Model
R
R Square
1
,687
,472
Adjusted
Square
,336
R
Std. Error of the
Estimate
,58183
Durbin-Watson
2,161
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
b. Dependent Variable: PDM
Uji Multikolinieritas
Model
1 (Constant)
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
,224
FDR
,014
NPF
,002
GDP
-,230
NIF
-,034
TPF
,125
EPA
,126
DMBE
-,106
a. Dependent Variable: PDM
,088
,021
,098
,092
,078
,043
,039
,060
Coefficientsa
Standardized
Coefficients
Beta
,344
,106
,003
-,379
-,070
,431
,493
-,254
t
2,246
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
Collinearity Statistics
Tolerance
VIF
,921
,743
,736
,739
,677
,768
,725
,835
1,086
1,346
1,360
1,354
1,477
1,303
1,378
1,197
Analisis Regresi Berganda
Coefficientsa
Model
1
(Constant)
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
FDR
NPF
GDP
NIF
TPF
EPA
DMBE
,224
,014
,002
-,230
-,034
,125
,126
-,106
,088
,021
,098
,092
,078
,043
,039
,060
Standardized
Coefficients
Beta
,344
,106
,003
-,379
-,070
,431
,493
-,254
2,246
t
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
110
Universitas Sumatera Utara
Uji F (Secara Simultan)
Sum of Squares
ANOVAb
Df
Mean Square
F
Sig.
Regression
9,384
8
1,173
3,465
,006a
Residual
10,494
31
,339
Total
19,878
39
Model
1
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
b. Dependent Variable: PDM
Uji t (Secara Parsial)
Coefficientsa
Model
1
(Constant)
Standardized
Coefficients
Beta
Unstandardized Coefficients
B
Std. Error
4,349
1,937
CAR
,224
FDR
,014
NPF
,002
GDP
-,230
NIF
-,034
TPF
,125
EPA
,126
DMBE
-,106
a. Dependent Variable: PDM
,088
,021
,098
,092
,078
,043
,039
,060
,344
,106
,003
-,379
-,070
,431
,493
-,254
T
2,246
Sig.
,032
2,529
,698
,021
-2,499
-,441
2,892
3,218
-1,776
,017
,490
,984
,018
,662
,007
,003
,086
Uji Koefisien Determinasi(R2 )
Model Summaryb
Model
R
R Square
Adjusted
Square
1
,687
,472
,336
R
Std. Error of the Estimate
,58183
a. Predictors: (Constant), DMBE, NPF, CAR, FDR, TPF, GDP, EPA, NIF
111
Universitas Sumatera Utara