Pengaruh Inflasi dan Nilai Tukar terhadap Kredit yang Disalurkan Perbankan Konvensional di Kota Medan
LAMPIRAN
87
Universitas Sumatera Utara
LAMPIRAN 1
Tabel 1
Data Permintaan Kredit Kota Medan 2010 – 2014 (juta rupiah)
NAMA BANK
BRI
2010
2011
2012
2013
2014
5.196.422
7.349.549
9.460.188
11.027.099
11.250.518
15.351.080
16.801.428
21.424.453
24.121.110
25.426.870
BNI
3.852.091
3.760.297
4.645.173
4.985.945
4.725.620
BANK DANAMON
6.835.313
8.676.234
8.105.177
7.833.893
8.222.578
BANK PERMATA
3.392.392
3.687.674
5.141.320
5.921.924
6.823.092
BCA
2.125.928
4.296.900
5.311.932
6.176.816
4.679.807
BII
1.742.914
2.381.743
2.559.524
3.376.784
3.733.224
BANK PANIN
2.008.252
2.272.909
3.303.009
3.332.207
3.409.030
CIMB NIAGA
3.820.511
4.559.292
5.272.186
5.860.379
6.787.326
BANK UOB BUANA
2.121.139
2.426.615
2.504.565
2.949.500
4.381.142
BANK OCBC NISP
517.284
2.217.551
3.034.242
3.962.710
4.167.159
CITIBANK
232.745
276.449
494.191
929.360
872.895
BANK ARTHA GRAHA
269.207
260.471
556.109
546.936
667.546
HSBC
1.620.969
2.753.852
4.096.483
5.485.150
5.657.619
BANK DBS
3.541.831
4.276.244
6.042.733
10.799.672
10.986.136
198.037
205.351
437.007
499.711
451.449
0
0
0
0
0
ANZ PANIN BANK
11.636
573.910
343.456
373.956
312.867
BANK BUMI ARTA
35.553
58.942
93.669
112.536
125.977
0
0
0
0
0
1.904.758
1.204.993
1.343.288
1.664.743
1.863.377
116.863
196.719
313.669
407.004
401.002
BANK MUTIARA
43.656
162.554
261.434
359.995
328.943
BANK MAYAPADA
21.961
25.121
51.974
318.701
86.646
6.994
15.696
60.260
104.913
154.922
103.819
59.994
46.680
64.289
100.264
2.252.633
2.607.719
3.705.658
4.054.345
4.194.173
5.069
15.833
26.917
62.300
128.952
239.684
349.691
443.517
634.467
815.361
2.712.246
2.956.379
3.325.705
3.789.557
4.246.712
BANK SINARMAS
73.755
80.321
74.524
65.944
59.130
BANK MASPION
83.565
121.956
194.241
188.153
200.003
BANK ICBC IND
0
0
119.639
70.018
61.553
310.710
359.364
234.917
670.345
1.111.223
1.294.989
1.621.833
2.010.468
2.354.721
2.841.001
892.841
1.112.654
1.407.126
1.629.245
2.074.007
BANK MANDIRI
BANK SC
BANK UOB
BPR
BANK EKONOMI
RABOBANK
BANK JABAR BANTEN
BPD ACEH
BPD SUMUT
BANK SWADESI
BMI
BANK MESTIKA
BANK KESAWAN
BTN
BTPN
88
Universitas Sumatera Utara
Lanjutan Tabel 1
Data Permintaan Kredit Kota Medan 2010 – 2014 (juta rupiah)
NAMA BANK
2010
2011
2012
2013
2014
BRI SYARIAH
129.216
200.804
262.947
353.805
363.188
BANK MEGA
74.055
196.205
180.131
178.811
135.292
BNI SYARIAH
114.045
110.379
122.043
165.646
199.716
BANK BUKOPIN
BANK SYARIAH
MANDIRI
507.708
497.682
507.554
517.566
615.283
733.697
1.020.628
1.140.966
1.141.158
918.539
BANK BUMIPUTERA
415.224
341.391
325.224
235.222
221.469
BANK YUDHA BHAKTI
35.321
38.003
52.774
52.744
107.121
292.088
202.067
363.084.
344.933
314.033
4.474
11.560
14.282
88.172
38.104
189.610
275.290
330.698
338.732
201.489
166.467
110.749
100.079
113.935
103.394
BANK DIPO
53.277
35.617
40.644
43.856
101.131
BANK EKSEKUTIF
62.178
149.134
137.671
143.142
138.114
2.175
2.417
1.242
400.512
729.802
1.126.451
0
0
0
0
15.945
146.447
142.005
139.212
183.082
BANK AGRONIAGA
BANK SBI
BANK SYARIAH MEGA
BANK SYARIAH
BUKOPIN
BANK AGRIS
BANK OCBC
BANK
COMMONWEALTH
89
Universitas Sumatera Utara
LAMPIRAN 2
Tabel 2
Data Inflasi Kota Medan 2010 – 2014
Tahun
2010
2011
2012
2013
2014
Tingkat Inflasi (%)
7,63
3,54
3,79
10,10
8,24
Tabel 3
Data Nilai Tukar 2010 – 2014
Tahun
2010
2011
2012
2013
2014
Nilai Tukar (Rp)
9.085
8.779
9.380
10.451
11.878
90
Universitas Sumatera Utara
LAMPIRAN 3
1. Uji Asumsi Klasik
1.1 Uji Normalitas
a. Grafik Histogram (sebelum penambahan kriteria)
b. Grafik Normal Plot (sebelum penambahan kriteria)
91
Universitas Sumatera Utara
c. Hasil Uji Normalitas dengan Uji Kolmogorov-Smirnov (sebelum
penambahan kriteria)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
215
Mean
Normal Parameters
a,b
Most Extreme Differences
Std. Deviation
-.0007858
3772711076348.6
5620000
Absolute
.219
Positive
.219
Negative
-.211
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
3.208
.000
a. Test distribution is Normal.
b. Calculated from data.
d. Grafik Histogram (setelah penambahan kriteria)
92
Universitas Sumatera Utara
e. Grafik Normal Plot (setelah penambahan kriteria)
f.
Hasil
Uji
Normalitas
dengan
Uji
Kolmogorov-Smirnov
(setelah
penambahan kriteria)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
80
a,b
Most Extreme Differences
Mean
Std. Deviation
.0000000
.63562262
Absolute
.093
Positive
.093
Negative
-.050
Kolmogorov-Smirnov Z
.833
Asymp. Sig. (2-tailed)
.492
a. Test distribution is Normal.
b. Calculated from data.
93
Universitas Sumatera Utara
1.2 Uji Heterokedastisitas
Correlations
LnIf
.047
.
.000
.681
80
80
80
**
1.000
.024
.000
.
.832
80
80
80
Correlation Coefficient
.047
.024
1.000
Sig. (2-tailed)
.681
.832
.
80
80
80
1.000
Sig. (2-tailed)
N
Correlation Coefficient
Spearman's rho
LnNt
.800
Sig. (2-tailed)
N
ABS_RES
ABS_RES
**
Correlation Coefficient
LnIf
LnNt
N
.800
**. Correlation is significant at the 0.01 level (2-tailed).
1.3 Uji Multikolinearitas
Coefficients
Model
Unstandardized
Standardized
Coefficients
Coefficients
B
1
a
Std. Error
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
t
Sig.
Beta
Collinearity Statistics
Tolerance
VIF
1.128
.263
-.119
-.832
.408
.576
1.736
.374
2.624
.010
.576
1.736
a. Dependent Variable: LnPk
1.4 Uji Autokorelasi
b
Model Summary
Model
1
R
.311
R Square
a
.096
Adjusted R
Std. Error of the
Square
Estimate
.073
.64382
Durbin-Watson
1.648
a. Predictors: (Constant), LnNt, LnIf
b. Dependent Variable: LnPk
94
Universitas Sumatera Utara
2. Pengujian Hipotesis
2.1 Hasil Analisis Regresi Linear Berganda
Coefficients
Model
a
Unstandardized Coefficients
Standardized
T
Sig.
Coefficients
B
1
Std. Error
Beta
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
1.128
.263
-.119
-.832
.408
.374
2.624
.010
a. Dependent Variable: LnPk
2.2 Hasil Uji F
a
ANOVA
Model
Sum of Squares
Regression
1
Df
Mean Square
3.407
2
1.704
Residual
31.917
77
.415
Total
35.325
79
F
Sig.
4.110
.020
b
a. Dependent Variable: LnPk
b. Predictors: (Constant), LnNt, LnIf
2.3 Hasil Uji t
Coefficients
Model
Unstandardized Coefficients
a
Standardized
T
Sig.
Coefficients
B
1
Std. Error
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
Beta
1.128
.263
-.119
-.832
.408
.374
2.624
.010
a. Dependent Variable: LnPk
95
Universitas Sumatera Utara
2.4 Hasil Analisis Koefisien Determinasi
b
Model Summary
Model
R
R Square
Adjusted R Square
Std. Error of the
Estimate
1
.311
a
.096
.073
.64382
a. Predictors: (Constant), LnNt, LnIf
b. Dependent Variable: LnPk
96
Universitas Sumatera Utara
87
Universitas Sumatera Utara
LAMPIRAN 1
Tabel 1
Data Permintaan Kredit Kota Medan 2010 – 2014 (juta rupiah)
NAMA BANK
BRI
2010
2011
2012
2013
2014
5.196.422
7.349.549
9.460.188
11.027.099
11.250.518
15.351.080
16.801.428
21.424.453
24.121.110
25.426.870
BNI
3.852.091
3.760.297
4.645.173
4.985.945
4.725.620
BANK DANAMON
6.835.313
8.676.234
8.105.177
7.833.893
8.222.578
BANK PERMATA
3.392.392
3.687.674
5.141.320
5.921.924
6.823.092
BCA
2.125.928
4.296.900
5.311.932
6.176.816
4.679.807
BII
1.742.914
2.381.743
2.559.524
3.376.784
3.733.224
BANK PANIN
2.008.252
2.272.909
3.303.009
3.332.207
3.409.030
CIMB NIAGA
3.820.511
4.559.292
5.272.186
5.860.379
6.787.326
BANK UOB BUANA
2.121.139
2.426.615
2.504.565
2.949.500
4.381.142
BANK OCBC NISP
517.284
2.217.551
3.034.242
3.962.710
4.167.159
CITIBANK
232.745
276.449
494.191
929.360
872.895
BANK ARTHA GRAHA
269.207
260.471
556.109
546.936
667.546
HSBC
1.620.969
2.753.852
4.096.483
5.485.150
5.657.619
BANK DBS
3.541.831
4.276.244
6.042.733
10.799.672
10.986.136
198.037
205.351
437.007
499.711
451.449
0
0
0
0
0
ANZ PANIN BANK
11.636
573.910
343.456
373.956
312.867
BANK BUMI ARTA
35.553
58.942
93.669
112.536
125.977
0
0
0
0
0
1.904.758
1.204.993
1.343.288
1.664.743
1.863.377
116.863
196.719
313.669
407.004
401.002
BANK MUTIARA
43.656
162.554
261.434
359.995
328.943
BANK MAYAPADA
21.961
25.121
51.974
318.701
86.646
6.994
15.696
60.260
104.913
154.922
103.819
59.994
46.680
64.289
100.264
2.252.633
2.607.719
3.705.658
4.054.345
4.194.173
5.069
15.833
26.917
62.300
128.952
239.684
349.691
443.517
634.467
815.361
2.712.246
2.956.379
3.325.705
3.789.557
4.246.712
BANK SINARMAS
73.755
80.321
74.524
65.944
59.130
BANK MASPION
83.565
121.956
194.241
188.153
200.003
BANK ICBC IND
0
0
119.639
70.018
61.553
310.710
359.364
234.917
670.345
1.111.223
1.294.989
1.621.833
2.010.468
2.354.721
2.841.001
892.841
1.112.654
1.407.126
1.629.245
2.074.007
BANK MANDIRI
BANK SC
BANK UOB
BPR
BANK EKONOMI
RABOBANK
BANK JABAR BANTEN
BPD ACEH
BPD SUMUT
BANK SWADESI
BMI
BANK MESTIKA
BANK KESAWAN
BTN
BTPN
88
Universitas Sumatera Utara
Lanjutan Tabel 1
Data Permintaan Kredit Kota Medan 2010 – 2014 (juta rupiah)
NAMA BANK
2010
2011
2012
2013
2014
BRI SYARIAH
129.216
200.804
262.947
353.805
363.188
BANK MEGA
74.055
196.205
180.131
178.811
135.292
BNI SYARIAH
114.045
110.379
122.043
165.646
199.716
BANK BUKOPIN
BANK SYARIAH
MANDIRI
507.708
497.682
507.554
517.566
615.283
733.697
1.020.628
1.140.966
1.141.158
918.539
BANK BUMIPUTERA
415.224
341.391
325.224
235.222
221.469
BANK YUDHA BHAKTI
35.321
38.003
52.774
52.744
107.121
292.088
202.067
363.084.
344.933
314.033
4.474
11.560
14.282
88.172
38.104
189.610
275.290
330.698
338.732
201.489
166.467
110.749
100.079
113.935
103.394
BANK DIPO
53.277
35.617
40.644
43.856
101.131
BANK EKSEKUTIF
62.178
149.134
137.671
143.142
138.114
2.175
2.417
1.242
400.512
729.802
1.126.451
0
0
0
0
15.945
146.447
142.005
139.212
183.082
BANK AGRONIAGA
BANK SBI
BANK SYARIAH MEGA
BANK SYARIAH
BUKOPIN
BANK AGRIS
BANK OCBC
BANK
COMMONWEALTH
89
Universitas Sumatera Utara
LAMPIRAN 2
Tabel 2
Data Inflasi Kota Medan 2010 – 2014
Tahun
2010
2011
2012
2013
2014
Tingkat Inflasi (%)
7,63
3,54
3,79
10,10
8,24
Tabel 3
Data Nilai Tukar 2010 – 2014
Tahun
2010
2011
2012
2013
2014
Nilai Tukar (Rp)
9.085
8.779
9.380
10.451
11.878
90
Universitas Sumatera Utara
LAMPIRAN 3
1. Uji Asumsi Klasik
1.1 Uji Normalitas
a. Grafik Histogram (sebelum penambahan kriteria)
b. Grafik Normal Plot (sebelum penambahan kriteria)
91
Universitas Sumatera Utara
c. Hasil Uji Normalitas dengan Uji Kolmogorov-Smirnov (sebelum
penambahan kriteria)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
215
Mean
Normal Parameters
a,b
Most Extreme Differences
Std. Deviation
-.0007858
3772711076348.6
5620000
Absolute
.219
Positive
.219
Negative
-.211
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
3.208
.000
a. Test distribution is Normal.
b. Calculated from data.
d. Grafik Histogram (setelah penambahan kriteria)
92
Universitas Sumatera Utara
e. Grafik Normal Plot (setelah penambahan kriteria)
f.
Hasil
Uji
Normalitas
dengan
Uji
Kolmogorov-Smirnov
(setelah
penambahan kriteria)
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
80
a,b
Most Extreme Differences
Mean
Std. Deviation
.0000000
.63562262
Absolute
.093
Positive
.093
Negative
-.050
Kolmogorov-Smirnov Z
.833
Asymp. Sig. (2-tailed)
.492
a. Test distribution is Normal.
b. Calculated from data.
93
Universitas Sumatera Utara
1.2 Uji Heterokedastisitas
Correlations
LnIf
.047
.
.000
.681
80
80
80
**
1.000
.024
.000
.
.832
80
80
80
Correlation Coefficient
.047
.024
1.000
Sig. (2-tailed)
.681
.832
.
80
80
80
1.000
Sig. (2-tailed)
N
Correlation Coefficient
Spearman's rho
LnNt
.800
Sig. (2-tailed)
N
ABS_RES
ABS_RES
**
Correlation Coefficient
LnIf
LnNt
N
.800
**. Correlation is significant at the 0.01 level (2-tailed).
1.3 Uji Multikolinearitas
Coefficients
Model
Unstandardized
Standardized
Coefficients
Coefficients
B
1
a
Std. Error
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
t
Sig.
Beta
Collinearity Statistics
Tolerance
VIF
1.128
.263
-.119
-.832
.408
.576
1.736
.374
2.624
.010
.576
1.736
a. Dependent Variable: LnPk
1.4 Uji Autokorelasi
b
Model Summary
Model
1
R
.311
R Square
a
.096
Adjusted R
Std. Error of the
Square
Estimate
.073
.64382
Durbin-Watson
1.648
a. Predictors: (Constant), LnNt, LnIf
b. Dependent Variable: LnPk
94
Universitas Sumatera Utara
2. Pengujian Hipotesis
2.1 Hasil Analisis Regresi Linear Berganda
Coefficients
Model
a
Unstandardized Coefficients
Standardized
T
Sig.
Coefficients
B
1
Std. Error
Beta
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
1.128
.263
-.119
-.832
.408
.374
2.624
.010
a. Dependent Variable: LnPk
2.2 Hasil Uji F
a
ANOVA
Model
Sum of Squares
Regression
1
Df
Mean Square
3.407
2
1.704
Residual
31.917
77
.415
Total
35.325
79
F
Sig.
4.110
.020
b
a. Dependent Variable: LnPk
b. Predictors: (Constant), LnNt, LnIf
2.3 Hasil Uji t
Coefficients
Model
Unstandardized Coefficients
a
Standardized
T
Sig.
Coefficients
B
1
Std. Error
(Constant)
8.641
7.658
LnIf
-.184
.221
LnNt
2.258
.860
Beta
1.128
.263
-.119
-.832
.408
.374
2.624
.010
a. Dependent Variable: LnPk
95
Universitas Sumatera Utara
2.4 Hasil Analisis Koefisien Determinasi
b
Model Summary
Model
R
R Square
Adjusted R Square
Std. Error of the
Estimate
1
.311
a
.096
.073
.64382
a. Predictors: (Constant), LnNt, LnIf
b. Dependent Variable: LnPk
96
Universitas Sumatera Utara