Pengaruh Faktor Internal Terhadap Kemampulabaan Industri Perbankan di Bursa Efek Indonesia

LAMPIRAN
Lampiran 1
Hasil Perhitungan Rasio Loan to Deposit Ratio (LDR), Non Performing
Loan (NPL), Equity To Total Asset Ratio (EAR), Loan To Asset Ratio (LAR),
Capital Adequacy Ratio (CAR). Net Interest Margin (NIM) dan Return On Asset
pada Bank di Bursa Efek Indonesia:
Bank Rakyat Indonesia (Persero) Tbk
No
1
2
3
4
5
6
7

Rasio
ROA
LDR
NPL
EAR

LAR
CAR
NIM

2011 (%)
4,93 %
76,20%
2,32 %
10,60 %
52,72 %
14,96%
9,58 %

2012 (%)
5,15%
79,85%
1,83%
11,76%
63,61%
16,95%

8,42%

2013 (%)
5,03%
88,54%
1,55%
12,66%
69,35%
16,99%
8,55%

2014 (%)
4,74%
81,68
1,69%
12,18%
61,73%
18,31%
8,51%

Bank Tabungan Nasional
No
1
2

Rasio
ROA
LDR

2011 (%)
2,03%
95,75%

2012 (%)
1,94%
93,48%

2013 (%)
1,79%
96,02%

2014 (%)
1,12%
99,81%

3

NPL

2,75%

4,09%

4,05%

4,01%

4

EAR

8,21%

9,19%

8,81%

8,44%

5
6

LAR
CAR

66,58%
15,03%

67,48%
17,69%

70,43%
15,62%

73,50%
14,64%

7

NIM

5,76%

5,83%

5,44%

4,47%

84

Bank Negara Indonesia
No
1
2
3
4
5
6
7

Rasio
ROA
LDR
NPL
EAR
LAR
CAR
NIM

2011 (%)
2,94%
70,37%
3,61%
12,65%
54,68%
15,87%
6,03%

2012 (%)
2,92%
77,52%
2,84%
13,05%
60,22%
15,17%
5,93%

2013 (%)
3,36%

85,30%
2,17%
12,33%
64,82%
14,17%
6,11%

2014(%)
3,49%
87,81%
1,96%
14,64%
66,64%
15,34%
6,20%

Bank Mandiri
No

Rasio

2011 (%)

2012 (%)

2013 (%)

2014 (%)

1

ROA

3,37%

3,55%

3,66%

3,57%

2

LDR

71,65%

77,66%

82,97%

82,02%

3
4

NPL
EAR

2,18%
11,35%

1,74%
12,04%

1,60%
12,11%

1,66%
12,26%

5

LAR

56,36%

60,50%

63,72%

61,17%

6
7

CAR
NIM

15,34%
5,29%

15,48%
5,58%

14,93%
5,68%

16,60%
5,94%

Bank BRI Agro Niaga
No
1
2

Rasio
ROA
LDR

2011 (%)
1,39%
65,79%

2012 (%)
1,63%
82,48%

2013 (%)
1,66%
87,11%

2014 (%)
1.53
88.49

3

NPL

3,55%

3,68%

2,27%

2.02

4

EAR

9,98%

9,20%

16,33%

14,15%

5

LAR

52,36%

62,64%

72,18%

73,52%

6
7

CAR
NIM

16,39%
4,54%

14,80%
6,00%

21,60%
5,31%

19,06
4.62

85

Bank Cimb Niaga
No
1

Rasio
ROA

2011 (%)
2,85%

2012 (%)
3.18

2013 (%)
2.76

2014 (%)
1.44

2
3
4
5
6
7

LDR
NPL
EAR
LAR
CAR
NIM

94,41%
2,64%
11,01%
71,68%
13,16%
5,63%

95.04
2.29
11,47%
69,45%
15.16
5.87

94.49
2.23
11,82%
66,62%
15.36
5.34

99.46
3.90
12,20%
70,17%
15.58
5.36.

Bank Jabar dan Banten
No
1

Rasio
ROA

2011 (%)
2,65%

2012 (%)
2,46%

2013 (%)
2,61%

2014 (%)
1,94%

2
3
4

LDR
NPL
EAR

72,95%
1,21%
9,89%

74,09%
2,07%
8,48%

96,47%
2,83%
9,46%

93,18%
4,15%
9,34%

5
6
7

LAR
CAR
NIM

49,58%
18,36%
6,89%

49,93%
18,11%
6,44%

63,85%
16,51%
7,96%

64,27%
16,39%
6,79%

Bank Panin
No

Rasio

2011 (%)

2012 (%)

2013 (%)

2014 (%)

1
2

ROA
LDR

2,02%
80,36%

1,96%
88,46%

1,85%
87,71%

1,79%
90,51%

3

NPL

3,56%

1,69%

2,13%

2,05%

4
5
6
7

EAR
LAR
CAR
NIM

12,73%
56,97%
17,50%
4,64%

11,86%
62,47%
14,67%
4,19%

12,16%
63,89%
15,32%
4,09%

13,45%
66,01%
15,62%
3,83%

86

Bank Tabungan Pensiunan Nasional
No

Rasio

2011 (%)

2012 (%)

2013 (%)

2014 (%)

1
2
3
4
5

ROA
LDR
NPL
EAR
LAR

4,4%
85%
0,7%
12,04%
64,23%

4,7%
86%
0,6%
13,08%
65,73%

4,5%
88%
0,7%
14,22%
64,24%

3.6
97
0.7
16,07%
65,97%

6
7

CAR
NIM

20,5%
13,0%

21,5%
13,1%

23,1%
12,7%

23.3
11.4

Bank Central Asia
No Rasio

2011 (%)

2012 (%)

2013 (%)

2014 (%)

1

ROA

3,8%

3,6%

3,8%

3,9%

2

LDR

61,7%

68,6%

75,4%

76,8%

3
4

NPL
EAR

0,5%
11,00%

0,4%
11,71%

0,4%
12,88%

0,6%
14,10%

5
6

LAR
CAR

51,90%
12,7%

57,05%
14,2%

62,92%
15,7%

62,73%
16,9%

7

NIM

5,7%

5,6%

6,2%

6,5%

Bank Danamon
No Rasio
1
ROA
2
3
4
5
6
7

LDR
NPL
EAR
LAR
CAR
NIM

2011 (%)
2,6%

2012 (%)
2,7%

2013 (%)
2,5%

2014 (%)
1,4%

92,6%
2,5%
18,20%
61,78%
17,6%
9,9%

100,7%
2,4%
18,44%
59,74%
18,9%
10,1%

95,51%
1,9%
17,12%
57,41%
17,9%
9,6%

92,6%
2,3%
16,87%
55,98%
17,9%
8,4%

87

Lampiran 2
Hasil Output SPSS

Descriptive Statistics
N
ROA
LDR
NPL
EAR
LAR
CAR
NIM
Valid N (listwise)

Minimum

Maximum

Mean

Std. Deviation

44

1.12

5.15

2.9275

1.12444

44

61.70

100.70

85.3986

9.86418

44

.40

12.11

2.4075

1.85138

44

8.21

18.44

12.2657

2.50771

44

49.58

73.52

62.6995

6.19495

44

12.70

23.10

16.7155

2.40553

44

3.83

13.10

6.9368

2.49814

44

Model Summaryb

Model
1

R

R Square
.839a

Adjusted R Square

.703

Std. Error of the
Estimate

.655

.66032

a. Predictors: (Constant), NIM, LAR, NPL, EAR, CAR, LDR
b. Dependent Variable: ROA

Model
1

Regression
Residual
Total

Sum of Squares
38.234

ANOVAb
df
6

Mean Square
6.372

16.133

37

.436

54.367

43

F
14.615

a. Predictors: (Constant), NIM, LAR, NPL, EAR, CAR, LDR
b. Dependent Variable: ROA

88

Sig.
.000a

Coefficientsa

Model
1

Unstandardized Coefficients
B
Std. Error
(Constant)

LDR
NPL
EAR
LAR
CAR
NIM
a. Dependent Variable: ROA

4.794

1.241

-.094
-.013
.015
.102
-.215
.471

.016
.060
.045
.024
.061
.061

Standardized
Coefficients
Beta
-.828
-.022
.032
.560
-.460
1.047

t

Sig.
3.861

.000

-5.946
-.223
.321
4.157
-3.533
7.695

.000
.825
.750
.000
.001
.000

89

One-Sample Kolmogorov-Smirnov Test
Unstandard
ized
Residual
N

44

Normal Parametersa Mean

.0000000

Std. Deviation
Most

.61251970

Extreme Absolute

Differences

.083

Positive

.055

Negative

-.083

Kolmogorov-Smirnov Z

.547

Asymp. Sig. (2-tailed)

.925

a. Test distribution is Normal.

Model Summaryb
Std. Error of the
Model
1

R

R Square
.839a

.703

Adjusted R Square
.655

Estimate
.66032

a. Predictors: (Constant), NIM, LAR, NPL, EAR, CAR, LDR
b. Dependent Variable: ROA

90

Coefficientsa

Model
1

Unstandardized

Standardized

Coefficients

Coefficients

B

Std. Error

(Constant)

4.794

1.241

LDR

-.094

.016

NPL

-.013

EAR

Beta

Collinearity Statistics
t

Sig.

Tolerance

VIF

3.861

.000

-.828

-5.946

.000

.414

2.418

.060

-.022

-.223

.825

.823

1.216

.015

.045

.032

.321

.750

.783

1.276

LAR

.102

.024

.560

4.157

.000

.442

2.265

CAR

-.215

.061

-.460

-3.533

.001

.472

2.117

NIM

.471

.061

1.047

7.695

.000

.433

2.309

a. Dependent Variable: ROA

91

Runs Test
Unstandardized
Residual
Test Valuea

.05213

Cases < Test Value

22

Cases >= Test Value

22

Total Cases

44

Number of Runs

26

Z

.763

Asymp. Sig. (2-tailed)

.446

a. Median

92