Lampiran 2 Nilai Variabel Terikat dan Variabel Bebas Prediksi Kondisi Bermasalah
Lampiran 1 Sampel Perusahaan No. Kode Perusahaan
16 BKSW Bank Kesawan Tbk
29 NISP Bank NISP OCBC Tbk
28 MEGA Bank Mega Tbk
27 MCOR Bank Windu Kentjana International Tbk
26 MAYA Bank Mayapada International Tbk
25 INPC Bank Artha Graha International Tbk
24 BVIC Bank Victoria International Tbk
23 BTPN Bank Tabungan Pensiunan Nasional Tbk
22 BSWD Bank Swadesi Tbk
21 BNLI Bank Permata Tbk
20 BNII Bank Internasional Indonesia Tbk
19 BNGA Bank CIMB Niaga Tbk
18 BNBA Bank Bumi Arta Tbk
17 BMRI BankMandiri (persero) Tbk
15 BINA Bank Ina Perdana Tbk
1 AGRO Bank Rakyat Indonesia Agro Niaga Tbk
14 BEKS Bank Pundi Indonesia Tbk
13 BDMN Bank Danamon Indonesia Tbk
12 BCIC Bank Mutiara Tbk
11 BBTN Bank Tabungan Negara (Persero)
10 BBRI Bank Rakyat Indonesia (Persero) Tbk
9 BBNP Bank Nusantara Parahyangan Tbk
8 BBNI Bank Negara Indonesia (Persero) Tbk
7 BBMD Bank Mestika Dharma
6 BBKP Bank Bukopin Tbk
5 BBCA Bank Central Asia Tbk
4 BAEK Bank Ekonomi Raharja Tbk
3 BACA Bank Capital Indonesia Tbk
2 BABP Bank ICB Bumi Putra Tbk
30 NOBU Bank Nationalnobu Tbk
75 Lampiran 2
11 BBTN 490,000,000,000 916,000,000,000 1,119,000,000,000 1,364,000,000,000 1,562,000,000,000
1
16 BKSW 3,988,000,000 1,212,352,274 14,344,000,000 (43,485,000,000) (5,463,000,000)
15 BINA 13,345,000,000 6,769,000,000 234,000,000 13,128,000,000 7,824,000,000
1
14 BEKS (134,870,000,000) (88,646,000,000) (147,253,000,000) 46,865,000,000 96,272,000,000
13 BDMN 16,140,000,000,000 2,984,000,000,000 3,402,000,000,000 4,117,000,000,000 4,159,000,000,000
1
12 BCIC 265,483,000,000 217,963,000,000 260,445,000,000 145,595,000,000 (1,136,045,000,000)
10 BBRI 7,308,000,000,000 11,472,000,000,000 15,088,000,000,000 18,687,000,000,000 21,354,000,000,000
Nilai Variabel Terikat dan Variabel Bebas Prediksi Kondisi Bermasalah LABA BERSIH Prediksi Kondisi Bermasalah NO KODE 2009 2010 2011 2012 2013
9 BBNP 29,532,000,000 51,085,000,000 68,146,000,000 85,430,000,000 105,234,000,000
8 BBNI 2,487,000,000,000 4,103,000,000,000 5,808,000,000,000 7,048,000,000,000 9,058,000,000,000
7 BBMD 184,206,000,000 165,933,000,000 204,728,000,000 270,866,000,000 308,299,000,000
6 BBKP 362,000,000,000 493,000,000,000 741,000,000,000 835,000,000,000 935,000,000,000
5 BBCA 6,807,000,000,000 8,479,000,000,000 10,820,000,000,000 11,721,000,000,000 14,254,000,000,000
4 BAEK 332,000,000,000 296,000,000,000 243,000,000,000 192,000,000,000 241,000,000,000
3 BACA 22,439,000,000 23,166,000,000 27,807,000,000 47,714,000,000 70,477,000,000
2 BABP 5,043,438,000 28,203,000,000 (113,618,000,000) 1,036,000,000 (8,174,000,000) `1
1 AGRO 2,198,940,000 14,026,715,000 32,856,381,000 33,026,578,000 52,439,708,000
17 BMRI 7,198,488,000,000 9,369,226,000,000 12,695,885,000,000 16,043,618,000,000 18,829,934,000,000
18 BNBA 29,049,000,000 28,113,000,000 42,625,000,000 57,118,000,000 56,198,000,000
19 BNGA 1,575,328,000,000 2,562,553,000,000 3,176,960,000,000 4,249,861,000,000 4,296,151,000,000
20 BNII (10,652,000,000) 531,126,000,000 671,096,000,000 1,211,121,000,000 1,570,316,000,000
21 BNLI 480,155,000,000 996,649,000,000 1,156,876,000,000 1,368,132,000,000 1,725,873,000,000
22 BSWD 36,950,000,000 35,092,000,000 48,072,000,000 54,996,000,000 81,495,000,000
23 BTPN 420,423,000,000 836,819,000,000 1,400,063,000,000 1,978,986,000,000 2,131,101,000,000
24 BVIC 46,240,000,000 106,802,000,000 187,402,000,000 205,571,000,000 262,636,000,000
25 INPC 41,858,000,000 83,669,000,000 100,430,000,000 133,349,000,000 225,937,000,000
26 MAYA 41,099,000,000 76,954,000,000 171,275,000,000 263,289,000,000 385,351,000,000
27 MCOR 16,069,000,000 28,293,000,000 36,214,000,000 94,081,000,000 78,306,000,000
28 MEGA 537,000,000,000 952,000,000,000 1,073,000,000,000 1,377,000,000,000 525,000,000,000
29 NISP 529,204,000,000 418,662,000,000 752,654,000,000 915,456,000,000 1,142,721,000,000
30 NOBU 1,821,000,000 1,834,000,000 1,915,000,000 2,796,000,000 14,643,000,000
76
CAR (Capital Adequacy Rasio) Tahun 2009 – 2013
CAR
NO KODE 2009 2010 2011 2012 201314.07
12.51
11.83
12.83
12.72
21 BNLI
12.2
14.1
15.86
20 BNII
14.28
22 BSWD
3.29
26.91
23.19
21.1
15.26
23 BTPN
14.78
15.36
23.4
18 BNBA
27.76
18.73
17 BMRI
15.43
13.36
15.34
15.48
14.93
28.08
15.16
24.64
19.96
19.18
16.99
19 BNGA
13.88
13.47
13.16
18.5
20.5
10.72
15.74
11.67
13.86
14.68
28 MEGA
18.01
15.03
11.86
16.83
29 NISP
16.88
20.5
17.6
13.8
16.5
19.3
30 NOBU 2,529.42 489.58
87.34
68.6
17.12
27 MCOR
21.5
13.77
23.1
24 BVIC
16.86
10.8
14.86
17.96
18.2
25 INPC
13.65
14.07
12.65
16.45
15.82
26 MAYA
17.05
20.4
14.68
10.93
45.75
12.56
1 AGRO
7 BBMD
15.7
6 BBKP
14.36
11.82
12.71
16.34
15.12
28.48
12.7
27.47
25.27
26.98
26.99
8 BBNI
13.8
18.6
17.6
14.2
13.5
15.1
10.12
19.63
14.95
16.39
14.80
21.60
2 BABP
11.19
12.55
11.21
15.3
13.09
3 BACA
46.79
30.48
21.58
18.00
20.13 BAEK
5 BBCA
16.7
9 BBNP
16 BKSW
41.42
13 BDMN
20.7
16.0
17.6
18.9
17.9
14 BEKS
8.02
12.02
10.09
13.27
11.43
15 BINA
23.5
24.82
15.05
16.05
16.71
14.03
9.41
12.56
16.95
12.76
13.45
12.17
15.75
10 BBRI
13.2
13.76
14.96
16.99
11.16
11 BBTN
21.54
16.74
15.03
17.69
15.62
12 BCIC
10.02
87.49
NPL (Non Performing Loan) Tahun 2009 – 2013
NPLNO KODE 2009 2010 2011 2012 2013
7.48
22 BSWD
2.11
21 BNLI
1.5
0.7
2.04
1.37
1.04
1.42
2.14
2.62
1.41
0.86
0.81
23 BTPN
0.07
1.1
0.7
1.7
3.09
0.7
0.5
0.32
0.54
0.45
0.37
0.37
18 BNBA
1.71
1.83
0.00
2.42
0.00
19 BNGA
1.04
1.85
1.46
1.11
1.55
20 BNII
0.6
24 BVIC
0.1
0.94
28 MEGA
1.70
0.90
0.98
2.09
2.18
29 NISP
1.44
0.59
1.44
0.37
0.35
30 NOBU
0.00
0.00
0.00
0.00
0.00
1.33
1.42
3.00
0.8
5.04
2.38
2.3
0.92
25 INPC
2.83
2.00
1.85
1.76
1.12
26 MAYA
0.49
2.01
1.51
2.14
0.64
27 MCOR
1.04
17 BMRI
0.31
8.82
3.56
2.81
3.22
2.88
2.66
2.26
7 BBMD
10.78
5.48
2.28
0.4
2.16
8 BBNI
0.5
0.8
0.5
1.1
0.8
9 BBNP
6 BBKP
0.4
0.63
4.88
3.55
3.68
2.27
2 BABP
5.63
4.34
6.25
5.78
3 BACA
0.5
0.24
0.99
0.81
2.11
0.37 BAEK
5 BBCA
0.7
0.6
1.81
0.78
1 AGRO
3.39
2.5
2.3
1.9
14 BEKS
18.39
4.03
3.95
4.81
15 BINA
4.5
0.44
2.32
1.1
0.36
0.38
16 BKSW
5.7
1.91
3
13 BDMN
0.58
2.75
0.45
10 BBRI
3.52
2.78
2.3
1.78
1.55
11 BBTN
2.66
3.61
2.23
3.12
3.04
12 BCIC
9.53
4.84
4.46
3.16
0.82
NIM (Net Interest Margin) Tahun 2009 – 2013 NIM NO KODE 2009 2010 2011 2012 2013
4.22
5.22
5.73
5.2
21 BNLI
5.7
5.3
5.13
5.03
22 BSWD
6.1
5.41
5.82
6.39
5.12
5.92
23 BTPN
12.18
14.0
5.86
20 BNII
13.1
7
2.82
17 BMRI
5.19
5.39
5.29
5.58
5.68
18 BNBA
6.1
5.34
6.56
7.13
6.61
19 BNGA
6.78
6.46
5.63
5.87
13.0
12.7
5.34
5.35
4.87
28 MEGA
4.94
4.88
5.40
6.45
5.38
29 NISP
5.04
4.62
4.8
4.17
4.11
30 NOBU
7.38
5.92
5.44
3.83
5.18
4.61
24 BVIC
3.55
2.38
1.77
1.86
3.12
3.38
25 INPC
3.81
3.97
4.22
4.48
5.31
26 MAYA
6.74
6.25
5.84
6
5.75
27 MCOR
4.63
5.13
1 AGRO
9.15
6.2
6 BBKP
4.07
4.75
4.55
4.56
3.82
7 BBMD
8.5
5.7
8.66
8.05
8.36
8 BBNI
6
5.8
6
5.9
5.6
5.3
9 BBNP
5.43
4.98
5.72
4.54
6
5.31
2 BABP
5.78
5.15
5.44
6.4
4.84
3 BACA
4.64
3.95
3.62
4.66
4.67 BAEK
5 BBCA
6.1
3.69
4.78
8.2
11.2
11.3
9.9
10.1
9.6
14 BEKS
6.91
3.51
16.64
1.67
13.04
15 BINA
5.38
6.22
3.79
4.07
4.55
16 BKSW
13 BDMN
3.13
4.91
8.55
4.99
5.56
5.16
10 BBRI
9.14
10.77
9.58
8.42
11 BBTN
1.64
4.6
5.99
5.76
5.83
5.44
12 BCIC
0.76
1.02
3.22
NO KODE 2009 2010 2011 2012 2013
5.03
2.9
2.9
3.4
9 BBNP
1.02
1.5
1.53
1.57
1.58
10 BBRI
3.73
4.64
4.93
5.15
11 BBTN
1.7
2.17 1.06 -7.58
2.5
2.7
2.6
2.7
1.5
13 BDMN
2.53
1.47
3.84
12 BCIC
1.79
1.94
2.03
2.05
2.5
8 BBNI
ROA (Return on Asset) Tahun 2009 – 2013
ROA5 BBCA
1 AGRO
0.18
0.67
1.39
1.63
1.66
2 BABP
0.18 0.51 -1.64 0.09 -0.93
3 BACA
1.42
0.74
0.84
1.32
1.59 BAEK
3.4
5.42
1.83
5.05
4.36
3.93
4.9
7 BBMD
1.75
1.87
3.5
1.62
1.46
6 BBKP
3.8
3.6
3.8
14 BEKS
- 7.88 -12.9 -4.75
1.23
0.76
2.53
2.41
2.07
1.22
0.9
26 MAYA
1.39
0.66
0.72
0.44
1.00
25 INPC
1.99
2.17
2.65
1.71
1.10
24 BVIC
4.5
4.7
27 MCOR
1.11
4.0
1.29
0.59
0.59
1.16
2.00
2.88
30 NOBU
1.81
1.79
1.91
1.91
0.96
29 NISP
1.14
2.74
2.29
2.45
1.77
28 MEGA
1.74
2.04
4.4
3.42
15 BINA
3.13
2.47
2.11
1.52
2.05
18 BNBA
3.66
3.55
3.37
0.98
17 BMRI
19 BNGA
0.07
0.17 0.46 -0.81
0.3
16 BKSW
0.8
1.22
0.32
1.1
2.57
2.05
2.1
23 BTPN
1.9
3.8
3.14
3.66
2.93
3.53
22 BSWD
1.55
1.7
1.66
1.4
2.75
21 BNLI
1.71
1.62
1.13
1.14
0.07
20 BNII
2.76
3.18
2.85
3.5
BOPO (Beban Operasioanal Pendapatan Operasional) Tahun 2009 – 2013
BOPONO KODE 2009 2010 2011 2012 2013
97.98
22 BSWD
21 BNLI
89.2
84.8
85.42
83.13
84.99
74.57
87.65
73.35
67.51
72.31
69.09
23 BTPN
84.06
88.21
84.69
92.75
60.85
78.75
67.22
63.93
62.41
18 BNBA
81.92
85.15
86.68
82.33
92.26
19 BNGA
82.98
76.8
76.1
71.7
73.79
20 BNII 100.77
62.8
61.36
70.72
81.84
92.97
81.74
84.89
28 MEGA
85.91
77.79
76.73
91.81
89.76
29 NISP
76.88
83.25
79.85
78.93
78.03
91.21
27 MCOR
24 BVIC
91.75
92.05
88.21
78.33
78.82
81.55
25 INPC
96.24
92.43
78.58
93.03
85.27
26 MAYA
93.82
90.17
83.38
80.19
66.43
17 BMRI
95.97
62.62
82.05
81.42
82.73
7 BBMD
61.76
66.66
54.62
86.93
54.13
8 BBNI
84.9
76
72.6
71
67.1
84.98
6 BBKP
89.5
91.75
91.65
86.54
85.88
2 BABP
98.84 94.6 114.63 99.68 107.77
3 BACA
86.03
92.82
43.38
86.85
86.38 BAEK
5 BBCA
43.59
47.12
45.37
46.56
9 BBNP
85.17
1 AGRO
99.65
81.1
79.3
75
82.9
14 BEKS 150.9 157.5 118.69
97.77
15 BINA
13 BDMN
82.54
93.88
99.22
91.43
95
16 BKSW
96.46
85.8
87.22 92.96 173.8
85.77
60.58
85.18
86.25
10 BBRI
77.66
70.86
66.69
59.93
11 BBTN
81.75
88.29
82.39
81.75
80.74
82.19
12 BCIC
92.66
95.57 95.26 111.53 100.82
LDR (Loan to Deposite Rasio) Tahun 2009 – 2013
LDRNO KODE 2009 2010 2011 2012 2013
80.99
87.36
90.6
87.5
83.06
89.52
89.26
22 BSWD
8.11
85.71
93.24
93.21
93.76
23 BTPN
84.92
91
85
86
21 BNLI
92.97
24 BVIC
19 BNGA
82.97
18 BNBA
50.53
54.18
67.53
77.95
85.96
95.11
95.07
88.04
94.41
95.04
94.49
20 BNII
82.93
89.03
88
50.43
71.65
73.26
28 MEGA
56.82
56.03
63.75
52.39
56.82
29 NISP
80
80.22
87.04
86.79
92.49
30 NOBU 34.57 105.08
81.33
43.46
45.72
82.73
79.30
40.22
87.42
63.62
67.59
74.73
25 INPC
84.04
76.13
82.21
88.87
81.29
26 MAYA
83.77
78.38
82.1
80.58
85.61
27 MCOR
84.89
77.66
65.44
85.68
7 BBMD
75.4
6 BBKP
75.99
71.85
85.01
83.81
85.8
92.26
61.7
84.75
82.87 95.7 102.35
8 BBNI
64.1
70.2
70.4
77.5
68.6
55.2
9 BBNP
79.48
65.79
82.48
87.11
2 BABP
89.64
84.96
84.93
80.14
50.3
3 BACA
49.65
50.6
44.24
59.06
63.35 BAEK
5 BBCA
85.3
73.64
1 AGRO
73.74
79.21
52.83
66.78
83.68
88.46
15 BINA
81.33
87.92
95.1
81.6
87.17
16 BKSW
66.97
71.65
75.48 87.37 113.3
17 BMRI
14 BEKS
93.8 98.3 100.7
80.41
79.85
85.02
84.94
84.44
10 BBRI
80.88
75.17
76.2
88.54
88.8
11 BBTN 101.29 108.42 102.56 100.9 104.42
12 BCIC
81.66
70.86
83.9
82.81
96.31
13 BDMN
59.15
Total Aset = LN (Total Aset) Tahun 2009 – 2013
TOTAL ASET NO KODE 2009 2010 2011 2012 20131 AGRO 28.72351 28.747504 28.87839 29.0273 29.26497
2 BABP 29.57804 29.790652 29.61636 29.63706 29.73098
3 BACA 28.87205 29.11249 29.17751 29.36554 29.59663
4 BAEK 30.70334 30.697817 30.81319 30.86439 30.98966
5 BBCA 33.27432 33.088131 33.5762 33.72458 33.83821 31.2466 31.491519 31.67728 31.81597 31.87174
6 BBKP
7 BBMD 29.31528 29.421055 29.53732 29.62828 29.69934
8 BBNI 33.05816 33.14679 33.33166 33.44008 33.58855 29.513 29.73664 29.93218
9 BBNP 28.99106 29.295116 33.38976 33.633144 33.78354 33.94337 34.07066
10 BBRI
11 BBTN 31.69916 31.856189 32.12102 32.34728 32.50752 29.65007 30.009074 30.20571 30.35495 30.3104
12 BCIC
13 BDMN 32.22207 32.405022 32.5889 32.67954 32.84724 27.9856 28.076746 29.42162 29.67002 29.82859
14 BEKS 27.46421 27.57845 27.99895 28.04459 27.96904
15 BINA
16 BKSW 28.48449 28.582646 28.91024 29.16674 30.03324
17 BMRI 33.60859 33.739768 33.94437 34.08562 34.2283
18 BNBA 29.02867 28.879064 28.71727 28.6063 28.50817
19 BNGA 32.30482 32.598421 32.74782 32.91632 33.01948 31.74133 31.950247 32.18405 32.38265 32.57656
20 BNII 31.65655 31.932562 32.24934 32.5123 32.74201
21 BNLI 28.0611 28.082308 28.36359 28.56348 28.91233
22 BSWD
23 BTPN 30.73436 31.172635 31.47372 31.71009 31.87472 29.62695 29.963636 30.09934 30.29497 30.58444
24 BVIC 30.36749 30.467939 30.58517 30.65431 30.68448
25 INPC
26 MAYA 29.6631 29.943783 30.19221 30.47398 30.80972
27 MCOR 28.66024 29.102222 29.49553 29.50209 29.70006
28 MEGA 31.31199 31.574485 31.75669 31.80877 31.82786 31.35485 31.545871 31.7226 32.00226 32.21113
29 NISP
30 NOBU 25.22976 26.533904 26.5339 27.82784 28.98615
Lampiran 3
OUPUT HASIL PENGUJIAN DATA SPSS
REGRESI LOGISTIK
1. Uji Statistik Deskriptif
Descriptive Statistics N Minimum Maximum Mean Std. Deviation CAR 150 3,29 2529,42 38,0975 208,64991
NPL 150 ,00 18,39 2,0789 2,28992 NIM 150 ,76 16,64 5,8277 2,49963 ROA 150 -12,90 5,42 1,7786 2,16910 BOPO 150 43,38 173,80 83,6285 17,31321 LDR 150 8,11 113,30 78,6176 15,96038 TOTAL ASET 150 25,23 34,23 30,6878 1,87781 KONDISI 150 ,00 1,00 ,1067 ,30972 Valid N (listwise) 150
2. Analisis Regresi Logistik
2.1 Menilai Keseluruhan Model (Overall Model Fit)
Block 0: Beginning Block
.
Iteration History
a,b,c Iteration -2 Log likelihood CoefficientsConstant Step 0 1 106,876 -1,573 2 101,977 -2,031 3 101,847 -2,122 4 101,847 -2,125 5 101,847 -2,125 a. Constant is included in the model.
b. Initial -2 Log Likelihood: 101,847
c. Estimation terminated at iteration number 5
because parameter estimates changed by less than
,001.Block 1: Method = Enter Iteration History a,b,c,d Iteration
- 2 Log likelihood Coefficients Constant CAR NPL NIM ROA BOPO LDR TOTAL ASET Step 1
1 80,706 -5,048 ,000 ,184 -,119 ,160 ,036 ,007 -,002 2 58,094 -9,314 ,001 ,274 -,252 ,443 ,091 ,019 -,068 3 46,482 -17,217 ,002 ,338 -,414 ,937 ,192 ,035 -,156 4 41,855 -26,543 ,003 ,402 -,583 1,445 ,298 ,044 -,200 5 40,764 -33,383 ,003 ,425 -,705 1,800 ,375 ,046 -,214 6 40,613 -35,939 ,001 ,424 -,749 1,952 ,408 ,045 -,230 7 40,483 -34,143 -,013 ,396 -,736 1,954 ,412 ,044 -,289 8 40,477 -34,019 -,016 ,394 -,736 1,951 ,412 ,044 -,292 9 40,477 -34,009 -,016 ,394 -,736 1,950 ,412 ,044 -,292 10 40,477 -34,009 -,016 ,394 -,736 1,950 ,412 ,044 -,292 a. Method: Enter b. Constant is included in the model.
c. Initial -2 Log Likelihood: 101,847
d. Estimation terminated at iteration number 10 because parameter estimates changed by less
than ,001.2.2 Koefisien Determinasi
Model Summary Step -2 Log likelihood Cox & Snell R
Square Nagelkerke R Square 1 40,477 a ,336 ,681
a. Estimation terminated at iteration number 10 because parameter estimates changed by less than ,001.
2.3 Menguji Kelayakan Model Regresi
Omnibus Tests of Model Coefficients Chi-square df Sig.
Step 1 Step 61,370 7 ,000 Block 61,370 7 ,000 Model 61,370 7 ,000
2.4 Uji Multikolinieritas
Coefficients
a Model UnstandardizedCoefficients Standardized Coefficients t Sig.
Collinearity Statistics B Std. Error Beta Tolerance
VIF 1 (Constant) -,762 ,571 -1,334 ,184 CAR ,000 ,000 ,071 ,933 ,352 ,805 1,242 NPL ,046 ,010 ,340 4,476 ,000 ,807 1,239 NIM -,030 ,009 -,241 -3,200 ,002 ,820 1,219 ROA ,040 ,024 ,280 1,649 ,101 ,161 6,216 BOPO ,009 ,003 ,500 2,784 ,006 ,144 6,942 LDR ,002 ,001 ,092 1,230 ,221 ,831 1,203 TOTAL ASET
- ,001 ,014 -,003 -,041 ,968 ,672 1,488
a. Dependent Variable: KONDISI
2.5 Matriks Klasifikasi
Classification Table a Observed Predicted
KONDISI Percentage Correct ,00 1,00 Step 1 KONDISI ,00 131 3 97,8 1,00
6 10 62,5 Overall Percentage 94,0