Analisis Pengaruh Rasio Keuangan Terhadap Perubahan Laba dengan Net Interest Margin Sebagai Variabel Moderating pada Bank Umum di Indonesia yang Terdaftar di Bursa Efek Indonesia
Lampiran 1 : Data Keuangan Bank Umum
Nama Tahun
Bank Agroniaga
2010
Bank Agroniaga
2011
Bank Agroniaga
2012
Bank Agroniaga
2013
Bank Agroniaga
2014
Bank MNC
Internasional
(BABP) 2010
Bank MNC
Internasional
(BABP) 2011
Bank MNC
Internasional
(BABP) 2012
Bank MNC
Internasional
(BABP) 2013
Bank MNC
Internasional
(BABP) 2014
Bank Capital
Indonesia BACA
2010
Bank Capital
Indonesia BACA
2011
Bank Capital
Indonesia BACA
2012
Bank Capital
Indonesia BACA
2013
Bank Capital
Indonesia BACA
2014
Bank BCA BBCA
2010
Bank BCA BBCA
2011
Bank BCA BBCA
2012
Bank BCA BBCA
2013
Bank BCA BBCA
2014
Bank Bukopin BBKP
2010
Bank Bukopin BBKP
2011
ROA
CAR
CRR
ROE
NPL
LDR
QR
GPM
NPM
NIM
BOPO
Perubahan
Laba
0.67
14.95
0.91
5.04
8.82
85.68
1.09
0.05
3.82
5.72
21.73
321.05
1.39
16.39
1.8
9.45
3.55
65.79
1.1
0.13
9.47
4.54
13.52
132.11
1.63
14.8
1.45
8.88
2.68
82.48
1.09
0.16
10.44
6
2.98
14.42
1.66
21.6
1.16
6.27
2.27
87.11
1.19
0.17
12.47
5.31
3.55
39.09
1.7
22.09
1.17
7.34
2.98
89
1.16
0.14
10.43
4.9
4.47
19.23
0.51
12.55
1.32
1.71
4.34
84.96
1.08
0.02
1.47
5.15
4.83
54.85
-1.64
10.12
1.35
-15.3
6.25
84.93
1.08
-0.15
-11.58
5.43
7.9
-812.87
0.09
11.21
1.3
0.15
5.78
79.48
1.1
0.01
0.15
5.44
6.36
-104.81
-0.93
13.09
1.38
-10.7
4.88
80.14
1.09
-0.1
-11.95
4.84
5.53
-1,207.19
-0.58
13.89
1.34
-4.42
5.09
76
1.14
-0.09
-7.17
5.62
5.89
5.25
0.74
29.29
2.12
4.26
0.99
50.6
1.14
0.08
6.75
3.95
11.03
-0.70
0.84
21.58
2.35
4.57
0.69
44.24
1.15
0.09
7.21
3.62
3.04
18.14
1.32
18
1.78
7.25
1.57
59.06
1.13
0.14
11.06
4.66
3.44
82.34
1.59
20.13
1.67
7.78
0.19
63.35
1.14
0.17
12.72
4.67
7.24
49.20
0.81
21.54
1.75
7.65
0.67
65.87
1.11
0.12
9.41
4.3
5
3.5
13.5
1.94
24.44
0.6
55.2
1.08
0.52
41.04
5.3
1.3
19.10
3.8
12.7
1.71
25.74
0.5
61.7
1.09
0.55
44.03
5.7
1.51
27.84
3.6
14.2
1.54
22.58
0.4
68.6
1.11
0.51
24.08
5.6
2.02
7.84
3.8
15.7
1.41
22.29
0.4
75.4
1.11
0.52
28.54
6.2
31.07
21.31
2.99
16.09
1.39
21.19
0.65
77.8
1.13
0.47
29.61
3.8
10.53
16.42
1.62
13.02
1.52
17.07
3.22
71.85
1.05
0.17
12.86
4.75
2.96
28.20
1.87
14.33
1.33
16.95
2.88
85.01
1.07
0.2
16.06
4.55
3.22
40.98
75
Universitas Sumatera Utara
5.95
Bank Bukopin BBKP
2012
Bank Bukopin BBKP
2013
Bank Bukopin BBKP
2014
1.83
18.45
1.36
16.76
2.66
83.81
1.06
0.21
16.34
4.56
2.98
12.96
1.75
17.07
1.33
15.04
2.26
85.9
1.02
0.2
15.71
3.82
3.25
12.37
1.04
18.35
1.33
10.65
2.18
65.9
0.95
0.14
10.25
4.3
2.92
-18.64
BBNI 2010
2.5
14.75
1.66
7.35
4.3
70.15
1.13
0.07
28.07
5.8
2.47
-59.86
BBNI 2011
2
17.6
1.6
15.35
3.6
70.7
1.12
0.36
31.04
6
1.46
439.79
BBNI 2012
2.9
16.7
1.49
16.19
2.8
77.91
1.12
0.39
34.24
5.9
1.51
19.28
BBNI 2013
3.4
15.1
1.39
19
2.2
85.87
1.11
0.43
32.46
6.1
1.54
26.73
BBNI 2014
Bank Nusantara
Parahyangan BBNP
2010
Bank Nusantara
Parahyangan BBNP
2011
0.5
15.89
1.26
17.75
1.76
82.54
1.19
0.04
13.91
5.42
1.5
19.92
1.5
12.76
1.32
9.21
0.63
80.41
1.09
0.14
10.88
4.91
10.32
53.62
1.53
13.45
1.26
11.69
0.78
85.02
1.09
0.15
11.12
4.99
8.54
ROE
NPL
LDR
QR
GPM
NPM
NIM
BOPO
Nama Tahun
Bank Nusantara
Parahyangan BBNP
2012
Bank Nusantara
Parahyangan BBNP
2013
Bank Nusantara
Parahyangan BBNP
2014
ROA
CAR
CRR
45.20
Perubahan
Laba
1.57
12.17
1.3
12.92
0.58
84.94
1.08
0.16
11.61
5.56
8.9
25.50
1.58
15.75
1.26
10
0.45
84.44
1.1
0.16
11.61
5.16
6.52
23.25
1.02
16.8
1.24
8.48
0.87
83
1.13
0.12
8.94
5.9
8.49
-8.08
Bank BRI 2010
4.64
13.76
1.58
31.28
2.78
75.17
1.07
0.33
25.71
10.77
2.96
50.72
Bank BRI 2011
4.93
14.96
1.56
30.28
2.3
76.2
1.09
0.39
37.67
9.58
2.32
25.81
Bank BRI 2012
5.15
16.95
1.45
28.8
1.78
79.85
1.1
0.48
35.91
8.42
2.68
27.21
Bank BRI 2013
5.03
16.99
1.3
26.92
1.55
88.54
1.11
0.47
32.29
8.55
2.87
16.98
Bank BRI 2014
3.02
17.45
1.47
24.82
1.49
104.6
1.11
0.41
28.77
9.5
3.37
10.57
BTN 2010
2.05
16.74
1.29
14.21
2.66
108.42
1.1
0.05
14.09
5.99
4.61
-55.18
BTN 2011
2.03
15.03
1.31
15.28
2.23
102.56
1.08
0.2
14.8
5.76
5.31
355.38
BTN 2012
1.94
17.69
1.35
13.27
3.12
100.9
1.09
0.21
15.47
5.83
5.62
22.40
BTN 2013
1.79
15.62
1.2
13.52
3.04
104.42
1.09
0.2
14.49
5.44
5.04
14.90
BTN 2014
Bank Mutiara BCIC
2010
Bank Mutiara BCIC
2011
Bank Mutiara BCIC
2012
Bank Mutiara BCIC
2013
Bank Mutiara BCIC
2014
Bank Danamon
BDMN 2010
Bank Danamon
BDMN 2011
Bank Danamon
BDMN 2012
9.14
15.76
1.16
9.14
2.8
103.32
1.09
0.12
8.71
6.32
4.52
-27.68
2.53
11.16
2
28.15
4.84
70.86
1.06
0.03
30.47
1.02
0.12
-11.39
2.17
9.41
1.33
26
4.46
83.9
1.07
0.23
24.61
1.64
0.91
11.48
1.06
10.09
1.26
11.7
3.16
82.81
1.08
0.11
11.2
3.13
6.15
-40.78
-7.58
14.03
1.3
-82.62
3.61
96.31
1.09
-0.84
-85.91
1.67
27.39
-872.47
-5.22
15.56
1.61
-41.85
2.09
93.21
1.07
-5.58
-55.43
2.53
8.45
499.29
2.7
16
1.36
16.17
0
93.8
1.17
0.28
34.99
11.3
2.58
68.80
2.6
17.6
1.36
13.35
0
98.3
1.21
0.07
30
9.9
2.44
-70.95
2.7
18.9
1.35
14.33
0
100.7
1.25
0.07
30
10.1
2.55
17.81
76
Universitas Sumatera Utara
Bank Danamon
BDMN 2013
Bank Danamon
BDMN 2014
Bank Pundi
Indonesia BEKS
2010
Bank Pundi
Indonesia BEKS
2011
Bank Pundi
Indonesia BEKS
2012
Bank Pundi
Indonesia BEKS
2013
Bank Pundi
Indonesia BEKS
2014
Bank QNB Kesawan
(BKSW) 2010
Bank QNB Kesawan
(BKSW) 2011
2.5
17.9
1.48
13.18
2.4
95.1
1.19
0.07
30
9.6
2.63
0.10
1.37
18.09
1.52
8.12
1.45
87.32
1.19
0.04
30
8.39
3.32
-36.47
-12.9
41.42
4.06
-34.55
4.03
52.83
1.18
-1.44
135.22
3.51
4.39
47.65
-4.75
12.02
1.66
-31.79
3.95
66.78
1.07
-0.33
-32.87
8.2
6.71
3.12
0.98
13.27
1.31
7.16
4.81
83.68
1.08
0.05
4.8
16.64
8.29
-139.76
1.23
11.43
1.26
13.41
3.39
88.68
1.08
0.06
0.77
13.04
9.64
50.15
-1.32
12.54
1.31
-18.73
2.76
78.98
1.07
-0.09
-8.82
12.64
7.7
-245.03
0.17
10.72
1.43
0.68
1.91
71.65
1.06
0.5
0.52
5.13
8.04
4,700.04
0.46
45.75
1.36
0.57
0.82
75.48
1.32
0.05
1.72
5.34
32.79
-87.47
-0.81
27.76
1.19
-3.42
0.31
87.37
1.22
-0.1
-8.77
4.63
61.15
-338.56
0.07
18.73
1.16
0.22
0.1
113.3
1.15
0.01
0.56
2.82
2.52
-114.78
0.58
19.56
1.23
5.3
0.32
76.43
1.12
0.13
9.9
3.14
2.18
3,082.84
Bank Mandiri 2010
3.4
13.36
1.75
22.55
2.21
65.44
1.08
0.41
27.61
5.39
1.43
29.08
Bank Mandiri 2011
3.38
15.34
1.64
20.26
2.18
71.65
1.1
0.44
33.65
5.29
1.39
18.18
Bank Mandiri 2012
3.54
15.48
1.51
20.96
1.74
77.66
1.11
0.05
37.7
5.58
1.59
24.18
Bank Mandiri 2013
3.54
14.93
1.43
21.21
1.6
82.97
1.11
0.48
37.5
5.68
1
17.35
Bank Mandiri 2014
Bank Bumi Artha
BNBA 2010
Bank Bumi Artha
BNBA 2011
Bank Bumi Artha
BNBA 2012
Bank Bumi Artha
BNBA 2013
Bank Bumi Artha
BNBA 2014
Bank CIMB BNGA
2010
Bank CIMB BNGA
2011
Bank CIMB BNGA
2012
Bank CIMB BNGA
2013
Bank CIMB BNGA
2014
Bank Internasional
Indo BNII 2010
2.42
15.36
1.48
19.7
1.07
80.98
1.11
0.42
32.97
6.21
1
8.09
1.52
24.64
1.93
6.21
1.83
53.27
1.17
0.15
11.28
6.1
9.91
-11.20
2.11
19.96
1.54
8.95
0.5
66.42
1.18
0.22
16.12
6.56
8.24
56.00
2.47
19.18
1.33
10.93
0
76.97
1.16
0.25
18.33
7.13
6.94
35.87
2.05
16.59
1.23
9.96
0
80.5
1.15
0.2
14.15
6.61
8.79
1.79
8.61
17.83
1.29
8.61
0.58
74.09
1.12
0.13
9.76
3.52
8.62
-10.54
2.75
13.47
1.29
18.61
1.92
88.04
1.09
0.27
20.59
6.46
3.18
56.52
2.85
13.16
1.24
17.29
1.46
94.41
1.1
0.3
21.48
5.63
2.31
29.57
3.18
15.16
1.27
18.76
1.11
95.04
1.11
0.36
26.24
5.87
2.23
31.77
2.76
15.36
1.32
16.6
1.55
94.49
1.11
0.33
24.04
5.34
2.48
0.78
1.01
16.23
1.21
8.24
0.47
86.09
1.12
0.15
11.26
4.19
3.21
-45.13
1.14
12.64
1.35
7.35
1.74
89.03
1.09
0.12
8.11
5.86
2.47
1,912.73
Bank QNB Kesawan
(BKSW) 2012
Bank QNB Kesawan
(BKSW) 2013
Bank QNB Kesawan
(BKSW) 2014
77
Universitas Sumatera Utara
Bank
Internasional
Indo BNII 2011
Bank
Internasional
Indo BNII 2012
Bank
Internasional
Indo BNII 2013
Bank
Internasional
Indo BNII 2014
Bank Permata
BNLI 2010
Bank Permata
BNLI 2011
Bank Permata
BNLI 2012
Bank Permata
BNLI 2013
Bank Permata BNLI
2014
Bank India Indo
BSWD 2010
Bank India Indo
BSWD 2011
Bank India Indo
BSWD 2012
Bank India Indo
BSWD 2013
Bank India Indo
BSWD 2014
Bank Tabungan
Pensiunan BTPN
2010
Bank Tabungan
Pensiunan BTPN
2011
Bank Tabungan
Pensiunan BTPN
2012
Bank Tabungan
Pensiunan BTPN
2013
Bank Tabungan
Pensiunan BTPN
2014
Bank Artagraha Int
INPC 2010
Bank Artagraha Int
INPC 2011
Bank Artagraha Int
INPC 2012
Bank Artagraha Int
INPC 2013
1.13
11.95
1.38
8.44
1.1
95.07
1.07
0.12
8.25
5.22
2.6
24.76
1.62
13.13
1.41
12.53
0.81
92.97
1.07
0.18
12.77
5.73
2.74
72.12
1.71
12.81
1.36
12.66
1.55
93.24
1.08
0.2
14.02
5.2
2.54
28.80
0.5
13.34
1.33
4.86
0.76
90.37
1.1
0.07
5.32
6.2
3.58
-56.06
1.9
14.1
1.28
12.68
0.7
87.5
1.1
0.21
16.97
5.3
2.83
61.51
1.66
14.07
1.36
12.66
0.55
83.06
1.08
0.2
15.01
5.13
28.4
25.90
1.7
15.86
0.97
10.95
0.41
89.52
1.09
0.21
14.89
5.03
3.77
21.12
1.55
14.28
1.01
12.22
0.31
89.26
1.08
0.19
14.47
4.22
50.47
21.90
9.28
14.98
1.28
9.28
0.48
85.54
1.09
0.13
10.21
5.21
6.71
-11.09
1.9
14.1
1.19
11.01
0.7
87.5
1.24
0.29
20.97
5.3
4
251.11
1.66
14.07
1.23
14.02
0.55
83.06
1.19
0.37
27.34
5.13
2.8
35.29
1.7
15.86
1.19
14.71
0.41
89.52
1.16
0.36
26.97
5.03
3.31
13.67
1.55
14.28
1.24
17.92
0.31
89.26
1.14
0.4
29.54
4.22
2.05
48.24
2.04
15.02
1.48
18.94
0.77
84.89
1.12
0.32
24.05
4.63
1.78
29.60
4
23.4
1.32
19.84
1.1
91
1.12
0.2
14.97
14
18.72
81.17
4.4
20.5
1.37
24.92
0.7
85
1.12
0.24
18.75
13
15.89
57.16
4.7
21.5
1.32
25.59
0.6
86
1.13
0.27
21.3
13.1
13.67
40.28
4.5
23.1
1.3
21.51
0.7
88
1.15
0.26
19.47
12.7
11.42
15.39
2.49
23.65
1.23
15.5
0.98
83.23
1.22
0.21
15.2
16.3
7.09
-12.04
0.76
13.65
1.46
7.93
2
76.13
1.05
0.08
5.56
3.97
7.56
82.51
0.72
12.65
1.38
8.7
1.85
82.21
1.05
0.08
6.5
3.55
3.57
6.97
0.66
16.45
1.22
3.26
0.8
87.42
1.09
0.05
6.76
4.22
11.61
-60.48
1.39
15.82
1.21
8.55
1.76
88.87
1.12
0.15
11.64
5.31
9.18
490.81
78
Universitas Sumatera Utara
Bank Artagraha Int
INPC 2014
B MayaPada Int
MAYA 2010
B MayaPada Int
MAYA 2011
B MayaPada Int
MAYA 2012
B MayaPada Int
MAYA 2013
B MayaPada Int
MAYA 2014
B WinduKencanaInt
MCOR 2010
B WinduKencanaInt
MCOR 2011
B WinduKencanaInt
MCOR 2012
B WinduKencanaInt
MCOR 2013
B WinduKencanaInt
MCOR 2014
0.47
16.67
1.22
4.07
1.45
80.39
1.11
0.08
4.92
4.21
9.27
-39.45
1.22
20.4
1.45
5.19
2.01
78.38
1.17
0.1
7.33
6.25
18.77
77.15
2.07
14.68
1.32
10.3
1.51
82.1
1.14
0.18
13.51
5.84
3.77
117.93
2.41
10.93
1.27
14.26
2.14
80.58
1.11
0.22
16.84
6
2.7
52.35
2.53
14.07
1.23
15.97
0.64
85.61
1.1
0.23
17.09
5.75
5.29
45.13
1.2
15.78
1.28
15.27
0.89
83.12
1.08
0.16
12.22
6.42
7.15
13.87
1.11
17.9
1.32
5.43
1.12
81.29
1.12
0.11
8.39
4.61
3.24
63.84
0.96
12.66
1.29
6.49
1.42
79.3
1.08
0.1
7.39
4.62
4.01
27.93
2.04
15.19
1.27
12.45
1.44
80.22
1.11
0.21
15.73
5.18
8.06
164.64
1.74
15.88
1.26
7.56
1.33
82.73
1.13
0.18
12.06
4.87
6.45
-7.27
0.54
16.39
1.24
4.33
0.98
85.12
1.13
0.08
5.88
5.63
11.45
-39.81
B Mega MEGA 2010
2.45
14.78
2
21.8
0.9
56.03
1.07
0.25
23.27
4.88
2.65
62.48
B Mega MEGA 2011
2.29
11.7
1.82
22.01
0.98
63.75
1.07
0.23
20.68
5.4
2.63
14.43
B Mega MEGA 2012
2.74
19.18
2.21
21.99
1.09
52.39
1.08
0.28
24.68
6.45
2.86
31.45
B Mega MEGA 2013
1.14
16.63
2.03
8.58
2.18
57.41
1.08
0.13
10.79
5.38
3.31
-59.61
B Mega MEGA 2014
B OCBC NISP NISP
2010
B OCBC NISP NISP
2011
B OCBC NISP NISP
2012
B OCBC NISP NISP
2013
B OCBC NISP NISP
2014
B Pan Indonesia
PNBN 2010
B Pan Indonesia
PNBN 2011
B Pan Indonesia
PNBN 2012
B Pan Indonesia
PNBN 2013
B Pan Indonesia
PNBN 2014
1.14
16.63
1.8
8.61
2.18
57.41
1.1
0.12
10.02
5.38
2.5
10.34
1.29
17.63
1.46
0.72
0.94
80
1.09
0.13
9.63
5.04
3.08
-30.03
1.91
13.75
1.31
1.26
0.59
87.04
1.11
0.24
17.88
4.8
2.62
134.84
1.79
16.49
1.35
1.16
0.37
86.79
1.12
0.25
18.59
4.17
2.32
21.51
1.81
19.28
1.34
1.17
0.35
92.49
1.15
0.25
18.58
4.11
2.52
25.16
1.29
19.67
1.32
8.94
0.56
90.21
1.16
0.22
16.85
4.19
3.35
16.15
1.76
16.65
1.72
11.55
2.68
74.22
1.13
0.23
17.28
4.59
1.83
410.63
2.01
17.5
1.58
14.27
0.92
80.36
1.13
0.28
22.8
4.64
1.65
44.20
1.96
14.67
14.31
12.91
0.48
88.46
1.12
0.26
19.81
4.19
1.91
11.19
1.85
15.32
1.4
12.3
0.75
87.71
1.13
0.25
18.91
4.09
2.97
6.89
1.5
16.78
1.33
11.12
0.56
85.12
1.15
0.22
16.67
4.85
2.28
6.92
79
Universitas Sumatera Utara
Lampiran 2 : Hasil Output SPSS
UjiFaktor
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
Bartlett's Test of
Approx. Chi-Square
.668
564.037
Sphericity
df
45
Sig.
.000
Anti-image Matrices
NPM
LDR
NPL
BOPO
ROA
ROE
QR
GPM
CRR
CAR
Anti-image Covariance NPM
.139
.031
.054
.019
-.086
-.102
-.100
-.052
.024
.110
LDR
.031
.824
.043
-.076
-.082
.003
-.166
.078
.093
.180
NPL
.054
.043
.774
.040
.039
-.016
.071
-.037
.070
.082
BOPO
.019
-.076
.040
.818
-.039
.055
.015
-.064
.103
-.118
ROA
-.086
-.082
.039
-.039
.288
-.047
.056
-.013
.030
-.031
i
Universitas Sumatera Utara
ROE
-.102
.003
-.016
.055
-.047
.200
.092
-.056
-.031
-.099
QR
-.100
-.166
.071
.015
.056
.092
.463
-.032
-.008
-.281
GPM
-.052
.078
-.037
-.064
-.013
-.056
-.032
.576
.000
.012
CRR
.024
.093
.070
.103
.030
-.031
-.008
.000
.945
-.007
CAR
.110
.180
.082
-.118
-.031
-.099
-.281
.012
-.007
.378
Anti-image Correlation NPM
.667a
.092
.163
.056
-.431
-.615
-.394
-.184
.067
.482
LDR
.092
.280a
.054
-.093
-.169
.008
-.269
.113
.105
.322
NPL
.163
.054
.828a
.050
.082
-.041
.118
-.055
.082
.152
BOPO
.056
-.093
.050
.743a
-.081
.137
.025
-.093
.118
-.213
ROA
-.431
-.169
.082
-.081
.852a
-.196
.153
-.032
.058
-.094
ROE
-.615
.008
-.041
.137
-.196
.729a
.301
-.165
-.072
-.360
QR
-.394
-.269
.118
.025
.153
.301
.382a
-.063
-.012
-.673
GPM
-.184
.113
-.055
-.093
-.032
-.165
-.063
.924a
-.001
.026
CRR
.067
.105
.082
.118
.058
-.072
-.012
-.001
.555a
-.011
ii
Universitas Sumatera Utara
CAR
.482
.322
.152
-.213
-.094
-.360
-.673
.026
-.011
.418a
a. Measures of Sampling Adequacy(MSA)
iii
Universitas Sumatera Utara
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
NPM
130
-135.22
44.03
13.3619
20.65469
NPL
130
.00
8.82
1.7150
1.47107
BOPO
130
.12
61.15
6.6038
8.48076
CRR
130
.91
14.31
1.5320
1.17703
ROA
130
-12.90
9.28
1.7372
2.39909
ROE
130
-82.62
31.28
10.1389
13.79333
GPM
130
-5.58
.55
.1284
.55207
Perubahan_Laba
130
-872.47
499.29
18.9452
151.71034
NIM
130
1.02
16.64
5.9205
2.64012
Valid N (listwise)
130
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
X1
130
-1.90
3.78
2.4554
1.01952
X2
130
.00
2.97
1.1900
.54881
X3
130
-2.12
4.11
1.4674
.86934
X4
130
-.09
2.66
.3588
.27218
X5
130
-2.66
2.23
.5206
.73505
X6
130
-1.90
3.44
2.1770
1.01065
X7
130
-4.61
.50
-1.6648
.89149
Y
130
-2.30
6.21
2.6250
1.66714
Z
130
.02
2.81
1.6976
.40041
i
Universitas Sumatera Utara
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
X1
130
-1.90
3.78
2.4554
1.01952
X2
130
.00
2.97
1.1900
.54881
X3
130
-2.12
4.11
1.4674
.86934
X4
130
-.09
2.66
.3588
.27218
X5
130
-2.66
2.23
.5206
.73505
X6
130
-1.90
3.44
2.1770
1.01065
X7
130
-4.61
.50
-1.6648
.89149
Y
130
-2.30
6.21
2.6250
1.66714
Z
130
.02
2.81
1.6976
.40041
Valid N (listwise)
130
Model
1
Variables
Entered
Variables
Removed
X7, X2, X3,
X4, X6, X5,
X1a
Method
. Enter
a. All requested variables entered.
Model Summaryb
Model
1
R
.389a
R Square
.151
Adjusted R
Square
Std. Error of
the Estimate
.103
1.57925
Durbin-Watson
1.936
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
ii
Universitas Sumatera Utara
Model Summaryb
Model
R
.389a
1
Adjusted R
Square
R Square
.151
Std. Error of
the Estimate
.103
Durbin-Watson
1.57925
1.936
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
b. Dependent Variable: Y
ANOVAb
Model
1
Sum of Squares
Regression
df
Mean Square
54.265
7
7.752
Residual
304.273
122
2.494
Total
358.538
129
F
Sig.
3.108
.005a
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
b. Dependent Variable: Y
Coefficientsa
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Standardized
Coefficients
Beta
1.037
1.022
X1
.343
.314
X2
.222
X3
.192
t
Sig.
1.014
.313
.210
1.091
.277
.300
.073
.740
.461
.202
.100
.954
.342
iii
Universitas Sumatera Utara
X4
-.057
.535
-.009
-.106
.915
X5
-.710
.334
-.313
-2.128
.035
X6
.600
.249
.364
2.407
.018
X7
.430
.186
.230
2.305
.023
a. Dependent Variable: Y
Coefficientsa
Model
1
95.0% Confidence Interval for
B
Collinearity Statistics
Lower Bound
Tolerance
Upper Bound
VIF
(Constant)
-.987
3.061
X1
-.279
.964
.189
5.299
X2
-.372
.816
.714
1.401
X3
-.207
.592
.629
1.590
X4
-1.115
1.002
.913
1.096
X5
-1.371
-.050
.321
3.111
X6
.107
1.093
.305
3.281
X7
.061
.799
.700
1.428
a. Dependent Variable: Y
iv
Universitas Sumatera Utara
Charts
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
N
Normal Parametersa,,b
130
Mean
.0000000
Std. Deviation
1.53580824
v
Universitas Sumatera Utara
Most Extreme
Differences
Absolute
.039
Positive
.039
Negative
-.030
Kolmogorov-Smirnov Z
.445
Asymp. Sig. (2-tailed)
.989
a. Test distribution is Normal.
b. Calculated from data.
Coefficientsa
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
.485
Standardized
Coefficients
Beta
.584
t
Sig.
.831
.408
vi
Universitas Sumatera Utara
X1
.152
.179
.168
.847
.399
X2
.317
.171
.189
1.853
.066
X3
.174
.115
.164
1.507
.134
X4
-.130
.305
-.038
-.426
.671
X5
.009
.190
.007
.048
.962
X6
-.214
.142
-.235
-1.505
.135
X7
-.145
.106
-.140
-1.364
.175
a. Dependent Variable: Absut
Variabel Moderating
Coefficientsa
Unstandardized Coefficients
Model
1
B
Std. Error
Standardized
Coefficients
Beta
(Constant)
1.719
.058
Absut
-.018
.038
t
-.041
Sig.
29.504
.000
-.467
.641
a. Dependent Variable: Ln_NIM
vii
Universitas Sumatera Utara
Nama Tahun
Bank Agroniaga
2010
Bank Agroniaga
2011
Bank Agroniaga
2012
Bank Agroniaga
2013
Bank Agroniaga
2014
Bank MNC
Internasional
(BABP) 2010
Bank MNC
Internasional
(BABP) 2011
Bank MNC
Internasional
(BABP) 2012
Bank MNC
Internasional
(BABP) 2013
Bank MNC
Internasional
(BABP) 2014
Bank Capital
Indonesia BACA
2010
Bank Capital
Indonesia BACA
2011
Bank Capital
Indonesia BACA
2012
Bank Capital
Indonesia BACA
2013
Bank Capital
Indonesia BACA
2014
Bank BCA BBCA
2010
Bank BCA BBCA
2011
Bank BCA BBCA
2012
Bank BCA BBCA
2013
Bank BCA BBCA
2014
Bank Bukopin BBKP
2010
Bank Bukopin BBKP
2011
ROA
CAR
CRR
ROE
NPL
LDR
QR
GPM
NPM
NIM
BOPO
Perubahan
Laba
0.67
14.95
0.91
5.04
8.82
85.68
1.09
0.05
3.82
5.72
21.73
321.05
1.39
16.39
1.8
9.45
3.55
65.79
1.1
0.13
9.47
4.54
13.52
132.11
1.63
14.8
1.45
8.88
2.68
82.48
1.09
0.16
10.44
6
2.98
14.42
1.66
21.6
1.16
6.27
2.27
87.11
1.19
0.17
12.47
5.31
3.55
39.09
1.7
22.09
1.17
7.34
2.98
89
1.16
0.14
10.43
4.9
4.47
19.23
0.51
12.55
1.32
1.71
4.34
84.96
1.08
0.02
1.47
5.15
4.83
54.85
-1.64
10.12
1.35
-15.3
6.25
84.93
1.08
-0.15
-11.58
5.43
7.9
-812.87
0.09
11.21
1.3
0.15
5.78
79.48
1.1
0.01
0.15
5.44
6.36
-104.81
-0.93
13.09
1.38
-10.7
4.88
80.14
1.09
-0.1
-11.95
4.84
5.53
-1,207.19
-0.58
13.89
1.34
-4.42
5.09
76
1.14
-0.09
-7.17
5.62
5.89
5.25
0.74
29.29
2.12
4.26
0.99
50.6
1.14
0.08
6.75
3.95
11.03
-0.70
0.84
21.58
2.35
4.57
0.69
44.24
1.15
0.09
7.21
3.62
3.04
18.14
1.32
18
1.78
7.25
1.57
59.06
1.13
0.14
11.06
4.66
3.44
82.34
1.59
20.13
1.67
7.78
0.19
63.35
1.14
0.17
12.72
4.67
7.24
49.20
0.81
21.54
1.75
7.65
0.67
65.87
1.11
0.12
9.41
4.3
5
3.5
13.5
1.94
24.44
0.6
55.2
1.08
0.52
41.04
5.3
1.3
19.10
3.8
12.7
1.71
25.74
0.5
61.7
1.09
0.55
44.03
5.7
1.51
27.84
3.6
14.2
1.54
22.58
0.4
68.6
1.11
0.51
24.08
5.6
2.02
7.84
3.8
15.7
1.41
22.29
0.4
75.4
1.11
0.52
28.54
6.2
31.07
21.31
2.99
16.09
1.39
21.19
0.65
77.8
1.13
0.47
29.61
3.8
10.53
16.42
1.62
13.02
1.52
17.07
3.22
71.85
1.05
0.17
12.86
4.75
2.96
28.20
1.87
14.33
1.33
16.95
2.88
85.01
1.07
0.2
16.06
4.55
3.22
40.98
75
Universitas Sumatera Utara
5.95
Bank Bukopin BBKP
2012
Bank Bukopin BBKP
2013
Bank Bukopin BBKP
2014
1.83
18.45
1.36
16.76
2.66
83.81
1.06
0.21
16.34
4.56
2.98
12.96
1.75
17.07
1.33
15.04
2.26
85.9
1.02
0.2
15.71
3.82
3.25
12.37
1.04
18.35
1.33
10.65
2.18
65.9
0.95
0.14
10.25
4.3
2.92
-18.64
BBNI 2010
2.5
14.75
1.66
7.35
4.3
70.15
1.13
0.07
28.07
5.8
2.47
-59.86
BBNI 2011
2
17.6
1.6
15.35
3.6
70.7
1.12
0.36
31.04
6
1.46
439.79
BBNI 2012
2.9
16.7
1.49
16.19
2.8
77.91
1.12
0.39
34.24
5.9
1.51
19.28
BBNI 2013
3.4
15.1
1.39
19
2.2
85.87
1.11
0.43
32.46
6.1
1.54
26.73
BBNI 2014
Bank Nusantara
Parahyangan BBNP
2010
Bank Nusantara
Parahyangan BBNP
2011
0.5
15.89
1.26
17.75
1.76
82.54
1.19
0.04
13.91
5.42
1.5
19.92
1.5
12.76
1.32
9.21
0.63
80.41
1.09
0.14
10.88
4.91
10.32
53.62
1.53
13.45
1.26
11.69
0.78
85.02
1.09
0.15
11.12
4.99
8.54
ROE
NPL
LDR
QR
GPM
NPM
NIM
BOPO
Nama Tahun
Bank Nusantara
Parahyangan BBNP
2012
Bank Nusantara
Parahyangan BBNP
2013
Bank Nusantara
Parahyangan BBNP
2014
ROA
CAR
CRR
45.20
Perubahan
Laba
1.57
12.17
1.3
12.92
0.58
84.94
1.08
0.16
11.61
5.56
8.9
25.50
1.58
15.75
1.26
10
0.45
84.44
1.1
0.16
11.61
5.16
6.52
23.25
1.02
16.8
1.24
8.48
0.87
83
1.13
0.12
8.94
5.9
8.49
-8.08
Bank BRI 2010
4.64
13.76
1.58
31.28
2.78
75.17
1.07
0.33
25.71
10.77
2.96
50.72
Bank BRI 2011
4.93
14.96
1.56
30.28
2.3
76.2
1.09
0.39
37.67
9.58
2.32
25.81
Bank BRI 2012
5.15
16.95
1.45
28.8
1.78
79.85
1.1
0.48
35.91
8.42
2.68
27.21
Bank BRI 2013
5.03
16.99
1.3
26.92
1.55
88.54
1.11
0.47
32.29
8.55
2.87
16.98
Bank BRI 2014
3.02
17.45
1.47
24.82
1.49
104.6
1.11
0.41
28.77
9.5
3.37
10.57
BTN 2010
2.05
16.74
1.29
14.21
2.66
108.42
1.1
0.05
14.09
5.99
4.61
-55.18
BTN 2011
2.03
15.03
1.31
15.28
2.23
102.56
1.08
0.2
14.8
5.76
5.31
355.38
BTN 2012
1.94
17.69
1.35
13.27
3.12
100.9
1.09
0.21
15.47
5.83
5.62
22.40
BTN 2013
1.79
15.62
1.2
13.52
3.04
104.42
1.09
0.2
14.49
5.44
5.04
14.90
BTN 2014
Bank Mutiara BCIC
2010
Bank Mutiara BCIC
2011
Bank Mutiara BCIC
2012
Bank Mutiara BCIC
2013
Bank Mutiara BCIC
2014
Bank Danamon
BDMN 2010
Bank Danamon
BDMN 2011
Bank Danamon
BDMN 2012
9.14
15.76
1.16
9.14
2.8
103.32
1.09
0.12
8.71
6.32
4.52
-27.68
2.53
11.16
2
28.15
4.84
70.86
1.06
0.03
30.47
1.02
0.12
-11.39
2.17
9.41
1.33
26
4.46
83.9
1.07
0.23
24.61
1.64
0.91
11.48
1.06
10.09
1.26
11.7
3.16
82.81
1.08
0.11
11.2
3.13
6.15
-40.78
-7.58
14.03
1.3
-82.62
3.61
96.31
1.09
-0.84
-85.91
1.67
27.39
-872.47
-5.22
15.56
1.61
-41.85
2.09
93.21
1.07
-5.58
-55.43
2.53
8.45
499.29
2.7
16
1.36
16.17
0
93.8
1.17
0.28
34.99
11.3
2.58
68.80
2.6
17.6
1.36
13.35
0
98.3
1.21
0.07
30
9.9
2.44
-70.95
2.7
18.9
1.35
14.33
0
100.7
1.25
0.07
30
10.1
2.55
17.81
76
Universitas Sumatera Utara
Bank Danamon
BDMN 2013
Bank Danamon
BDMN 2014
Bank Pundi
Indonesia BEKS
2010
Bank Pundi
Indonesia BEKS
2011
Bank Pundi
Indonesia BEKS
2012
Bank Pundi
Indonesia BEKS
2013
Bank Pundi
Indonesia BEKS
2014
Bank QNB Kesawan
(BKSW) 2010
Bank QNB Kesawan
(BKSW) 2011
2.5
17.9
1.48
13.18
2.4
95.1
1.19
0.07
30
9.6
2.63
0.10
1.37
18.09
1.52
8.12
1.45
87.32
1.19
0.04
30
8.39
3.32
-36.47
-12.9
41.42
4.06
-34.55
4.03
52.83
1.18
-1.44
135.22
3.51
4.39
47.65
-4.75
12.02
1.66
-31.79
3.95
66.78
1.07
-0.33
-32.87
8.2
6.71
3.12
0.98
13.27
1.31
7.16
4.81
83.68
1.08
0.05
4.8
16.64
8.29
-139.76
1.23
11.43
1.26
13.41
3.39
88.68
1.08
0.06
0.77
13.04
9.64
50.15
-1.32
12.54
1.31
-18.73
2.76
78.98
1.07
-0.09
-8.82
12.64
7.7
-245.03
0.17
10.72
1.43
0.68
1.91
71.65
1.06
0.5
0.52
5.13
8.04
4,700.04
0.46
45.75
1.36
0.57
0.82
75.48
1.32
0.05
1.72
5.34
32.79
-87.47
-0.81
27.76
1.19
-3.42
0.31
87.37
1.22
-0.1
-8.77
4.63
61.15
-338.56
0.07
18.73
1.16
0.22
0.1
113.3
1.15
0.01
0.56
2.82
2.52
-114.78
0.58
19.56
1.23
5.3
0.32
76.43
1.12
0.13
9.9
3.14
2.18
3,082.84
Bank Mandiri 2010
3.4
13.36
1.75
22.55
2.21
65.44
1.08
0.41
27.61
5.39
1.43
29.08
Bank Mandiri 2011
3.38
15.34
1.64
20.26
2.18
71.65
1.1
0.44
33.65
5.29
1.39
18.18
Bank Mandiri 2012
3.54
15.48
1.51
20.96
1.74
77.66
1.11
0.05
37.7
5.58
1.59
24.18
Bank Mandiri 2013
3.54
14.93
1.43
21.21
1.6
82.97
1.11
0.48
37.5
5.68
1
17.35
Bank Mandiri 2014
Bank Bumi Artha
BNBA 2010
Bank Bumi Artha
BNBA 2011
Bank Bumi Artha
BNBA 2012
Bank Bumi Artha
BNBA 2013
Bank Bumi Artha
BNBA 2014
Bank CIMB BNGA
2010
Bank CIMB BNGA
2011
Bank CIMB BNGA
2012
Bank CIMB BNGA
2013
Bank CIMB BNGA
2014
Bank Internasional
Indo BNII 2010
2.42
15.36
1.48
19.7
1.07
80.98
1.11
0.42
32.97
6.21
1
8.09
1.52
24.64
1.93
6.21
1.83
53.27
1.17
0.15
11.28
6.1
9.91
-11.20
2.11
19.96
1.54
8.95
0.5
66.42
1.18
0.22
16.12
6.56
8.24
56.00
2.47
19.18
1.33
10.93
0
76.97
1.16
0.25
18.33
7.13
6.94
35.87
2.05
16.59
1.23
9.96
0
80.5
1.15
0.2
14.15
6.61
8.79
1.79
8.61
17.83
1.29
8.61
0.58
74.09
1.12
0.13
9.76
3.52
8.62
-10.54
2.75
13.47
1.29
18.61
1.92
88.04
1.09
0.27
20.59
6.46
3.18
56.52
2.85
13.16
1.24
17.29
1.46
94.41
1.1
0.3
21.48
5.63
2.31
29.57
3.18
15.16
1.27
18.76
1.11
95.04
1.11
0.36
26.24
5.87
2.23
31.77
2.76
15.36
1.32
16.6
1.55
94.49
1.11
0.33
24.04
5.34
2.48
0.78
1.01
16.23
1.21
8.24
0.47
86.09
1.12
0.15
11.26
4.19
3.21
-45.13
1.14
12.64
1.35
7.35
1.74
89.03
1.09
0.12
8.11
5.86
2.47
1,912.73
Bank QNB Kesawan
(BKSW) 2012
Bank QNB Kesawan
(BKSW) 2013
Bank QNB Kesawan
(BKSW) 2014
77
Universitas Sumatera Utara
Bank
Internasional
Indo BNII 2011
Bank
Internasional
Indo BNII 2012
Bank
Internasional
Indo BNII 2013
Bank
Internasional
Indo BNII 2014
Bank Permata
BNLI 2010
Bank Permata
BNLI 2011
Bank Permata
BNLI 2012
Bank Permata
BNLI 2013
Bank Permata BNLI
2014
Bank India Indo
BSWD 2010
Bank India Indo
BSWD 2011
Bank India Indo
BSWD 2012
Bank India Indo
BSWD 2013
Bank India Indo
BSWD 2014
Bank Tabungan
Pensiunan BTPN
2010
Bank Tabungan
Pensiunan BTPN
2011
Bank Tabungan
Pensiunan BTPN
2012
Bank Tabungan
Pensiunan BTPN
2013
Bank Tabungan
Pensiunan BTPN
2014
Bank Artagraha Int
INPC 2010
Bank Artagraha Int
INPC 2011
Bank Artagraha Int
INPC 2012
Bank Artagraha Int
INPC 2013
1.13
11.95
1.38
8.44
1.1
95.07
1.07
0.12
8.25
5.22
2.6
24.76
1.62
13.13
1.41
12.53
0.81
92.97
1.07
0.18
12.77
5.73
2.74
72.12
1.71
12.81
1.36
12.66
1.55
93.24
1.08
0.2
14.02
5.2
2.54
28.80
0.5
13.34
1.33
4.86
0.76
90.37
1.1
0.07
5.32
6.2
3.58
-56.06
1.9
14.1
1.28
12.68
0.7
87.5
1.1
0.21
16.97
5.3
2.83
61.51
1.66
14.07
1.36
12.66
0.55
83.06
1.08
0.2
15.01
5.13
28.4
25.90
1.7
15.86
0.97
10.95
0.41
89.52
1.09
0.21
14.89
5.03
3.77
21.12
1.55
14.28
1.01
12.22
0.31
89.26
1.08
0.19
14.47
4.22
50.47
21.90
9.28
14.98
1.28
9.28
0.48
85.54
1.09
0.13
10.21
5.21
6.71
-11.09
1.9
14.1
1.19
11.01
0.7
87.5
1.24
0.29
20.97
5.3
4
251.11
1.66
14.07
1.23
14.02
0.55
83.06
1.19
0.37
27.34
5.13
2.8
35.29
1.7
15.86
1.19
14.71
0.41
89.52
1.16
0.36
26.97
5.03
3.31
13.67
1.55
14.28
1.24
17.92
0.31
89.26
1.14
0.4
29.54
4.22
2.05
48.24
2.04
15.02
1.48
18.94
0.77
84.89
1.12
0.32
24.05
4.63
1.78
29.60
4
23.4
1.32
19.84
1.1
91
1.12
0.2
14.97
14
18.72
81.17
4.4
20.5
1.37
24.92
0.7
85
1.12
0.24
18.75
13
15.89
57.16
4.7
21.5
1.32
25.59
0.6
86
1.13
0.27
21.3
13.1
13.67
40.28
4.5
23.1
1.3
21.51
0.7
88
1.15
0.26
19.47
12.7
11.42
15.39
2.49
23.65
1.23
15.5
0.98
83.23
1.22
0.21
15.2
16.3
7.09
-12.04
0.76
13.65
1.46
7.93
2
76.13
1.05
0.08
5.56
3.97
7.56
82.51
0.72
12.65
1.38
8.7
1.85
82.21
1.05
0.08
6.5
3.55
3.57
6.97
0.66
16.45
1.22
3.26
0.8
87.42
1.09
0.05
6.76
4.22
11.61
-60.48
1.39
15.82
1.21
8.55
1.76
88.87
1.12
0.15
11.64
5.31
9.18
490.81
78
Universitas Sumatera Utara
Bank Artagraha Int
INPC 2014
B MayaPada Int
MAYA 2010
B MayaPada Int
MAYA 2011
B MayaPada Int
MAYA 2012
B MayaPada Int
MAYA 2013
B MayaPada Int
MAYA 2014
B WinduKencanaInt
MCOR 2010
B WinduKencanaInt
MCOR 2011
B WinduKencanaInt
MCOR 2012
B WinduKencanaInt
MCOR 2013
B WinduKencanaInt
MCOR 2014
0.47
16.67
1.22
4.07
1.45
80.39
1.11
0.08
4.92
4.21
9.27
-39.45
1.22
20.4
1.45
5.19
2.01
78.38
1.17
0.1
7.33
6.25
18.77
77.15
2.07
14.68
1.32
10.3
1.51
82.1
1.14
0.18
13.51
5.84
3.77
117.93
2.41
10.93
1.27
14.26
2.14
80.58
1.11
0.22
16.84
6
2.7
52.35
2.53
14.07
1.23
15.97
0.64
85.61
1.1
0.23
17.09
5.75
5.29
45.13
1.2
15.78
1.28
15.27
0.89
83.12
1.08
0.16
12.22
6.42
7.15
13.87
1.11
17.9
1.32
5.43
1.12
81.29
1.12
0.11
8.39
4.61
3.24
63.84
0.96
12.66
1.29
6.49
1.42
79.3
1.08
0.1
7.39
4.62
4.01
27.93
2.04
15.19
1.27
12.45
1.44
80.22
1.11
0.21
15.73
5.18
8.06
164.64
1.74
15.88
1.26
7.56
1.33
82.73
1.13
0.18
12.06
4.87
6.45
-7.27
0.54
16.39
1.24
4.33
0.98
85.12
1.13
0.08
5.88
5.63
11.45
-39.81
B Mega MEGA 2010
2.45
14.78
2
21.8
0.9
56.03
1.07
0.25
23.27
4.88
2.65
62.48
B Mega MEGA 2011
2.29
11.7
1.82
22.01
0.98
63.75
1.07
0.23
20.68
5.4
2.63
14.43
B Mega MEGA 2012
2.74
19.18
2.21
21.99
1.09
52.39
1.08
0.28
24.68
6.45
2.86
31.45
B Mega MEGA 2013
1.14
16.63
2.03
8.58
2.18
57.41
1.08
0.13
10.79
5.38
3.31
-59.61
B Mega MEGA 2014
B OCBC NISP NISP
2010
B OCBC NISP NISP
2011
B OCBC NISP NISP
2012
B OCBC NISP NISP
2013
B OCBC NISP NISP
2014
B Pan Indonesia
PNBN 2010
B Pan Indonesia
PNBN 2011
B Pan Indonesia
PNBN 2012
B Pan Indonesia
PNBN 2013
B Pan Indonesia
PNBN 2014
1.14
16.63
1.8
8.61
2.18
57.41
1.1
0.12
10.02
5.38
2.5
10.34
1.29
17.63
1.46
0.72
0.94
80
1.09
0.13
9.63
5.04
3.08
-30.03
1.91
13.75
1.31
1.26
0.59
87.04
1.11
0.24
17.88
4.8
2.62
134.84
1.79
16.49
1.35
1.16
0.37
86.79
1.12
0.25
18.59
4.17
2.32
21.51
1.81
19.28
1.34
1.17
0.35
92.49
1.15
0.25
18.58
4.11
2.52
25.16
1.29
19.67
1.32
8.94
0.56
90.21
1.16
0.22
16.85
4.19
3.35
16.15
1.76
16.65
1.72
11.55
2.68
74.22
1.13
0.23
17.28
4.59
1.83
410.63
2.01
17.5
1.58
14.27
0.92
80.36
1.13
0.28
22.8
4.64
1.65
44.20
1.96
14.67
14.31
12.91
0.48
88.46
1.12
0.26
19.81
4.19
1.91
11.19
1.85
15.32
1.4
12.3
0.75
87.71
1.13
0.25
18.91
4.09
2.97
6.89
1.5
16.78
1.33
11.12
0.56
85.12
1.15
0.22
16.67
4.85
2.28
6.92
79
Universitas Sumatera Utara
Lampiran 2 : Hasil Output SPSS
UjiFaktor
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
Bartlett's Test of
Approx. Chi-Square
.668
564.037
Sphericity
df
45
Sig.
.000
Anti-image Matrices
NPM
LDR
NPL
BOPO
ROA
ROE
QR
GPM
CRR
CAR
Anti-image Covariance NPM
.139
.031
.054
.019
-.086
-.102
-.100
-.052
.024
.110
LDR
.031
.824
.043
-.076
-.082
.003
-.166
.078
.093
.180
NPL
.054
.043
.774
.040
.039
-.016
.071
-.037
.070
.082
BOPO
.019
-.076
.040
.818
-.039
.055
.015
-.064
.103
-.118
ROA
-.086
-.082
.039
-.039
.288
-.047
.056
-.013
.030
-.031
i
Universitas Sumatera Utara
ROE
-.102
.003
-.016
.055
-.047
.200
.092
-.056
-.031
-.099
QR
-.100
-.166
.071
.015
.056
.092
.463
-.032
-.008
-.281
GPM
-.052
.078
-.037
-.064
-.013
-.056
-.032
.576
.000
.012
CRR
.024
.093
.070
.103
.030
-.031
-.008
.000
.945
-.007
CAR
.110
.180
.082
-.118
-.031
-.099
-.281
.012
-.007
.378
Anti-image Correlation NPM
.667a
.092
.163
.056
-.431
-.615
-.394
-.184
.067
.482
LDR
.092
.280a
.054
-.093
-.169
.008
-.269
.113
.105
.322
NPL
.163
.054
.828a
.050
.082
-.041
.118
-.055
.082
.152
BOPO
.056
-.093
.050
.743a
-.081
.137
.025
-.093
.118
-.213
ROA
-.431
-.169
.082
-.081
.852a
-.196
.153
-.032
.058
-.094
ROE
-.615
.008
-.041
.137
-.196
.729a
.301
-.165
-.072
-.360
QR
-.394
-.269
.118
.025
.153
.301
.382a
-.063
-.012
-.673
GPM
-.184
.113
-.055
-.093
-.032
-.165
-.063
.924a
-.001
.026
CRR
.067
.105
.082
.118
.058
-.072
-.012
-.001
.555a
-.011
ii
Universitas Sumatera Utara
CAR
.482
.322
.152
-.213
-.094
-.360
-.673
.026
-.011
.418a
a. Measures of Sampling Adequacy(MSA)
iii
Universitas Sumatera Utara
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
NPM
130
-135.22
44.03
13.3619
20.65469
NPL
130
.00
8.82
1.7150
1.47107
BOPO
130
.12
61.15
6.6038
8.48076
CRR
130
.91
14.31
1.5320
1.17703
ROA
130
-12.90
9.28
1.7372
2.39909
ROE
130
-82.62
31.28
10.1389
13.79333
GPM
130
-5.58
.55
.1284
.55207
Perubahan_Laba
130
-872.47
499.29
18.9452
151.71034
NIM
130
1.02
16.64
5.9205
2.64012
Valid N (listwise)
130
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
X1
130
-1.90
3.78
2.4554
1.01952
X2
130
.00
2.97
1.1900
.54881
X3
130
-2.12
4.11
1.4674
.86934
X4
130
-.09
2.66
.3588
.27218
X5
130
-2.66
2.23
.5206
.73505
X6
130
-1.90
3.44
2.1770
1.01065
X7
130
-4.61
.50
-1.6648
.89149
Y
130
-2.30
6.21
2.6250
1.66714
Z
130
.02
2.81
1.6976
.40041
i
Universitas Sumatera Utara
Descriptive Statistics
N
Minimum Maximum
Mean
Std. Deviation
X1
130
-1.90
3.78
2.4554
1.01952
X2
130
.00
2.97
1.1900
.54881
X3
130
-2.12
4.11
1.4674
.86934
X4
130
-.09
2.66
.3588
.27218
X5
130
-2.66
2.23
.5206
.73505
X6
130
-1.90
3.44
2.1770
1.01065
X7
130
-4.61
.50
-1.6648
.89149
Y
130
-2.30
6.21
2.6250
1.66714
Z
130
.02
2.81
1.6976
.40041
Valid N (listwise)
130
Model
1
Variables
Entered
Variables
Removed
X7, X2, X3,
X4, X6, X5,
X1a
Method
. Enter
a. All requested variables entered.
Model Summaryb
Model
1
R
.389a
R Square
.151
Adjusted R
Square
Std. Error of
the Estimate
.103
1.57925
Durbin-Watson
1.936
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
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Model Summaryb
Model
R
.389a
1
Adjusted R
Square
R Square
.151
Std. Error of
the Estimate
.103
Durbin-Watson
1.57925
1.936
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
b. Dependent Variable: Y
ANOVAb
Model
1
Sum of Squares
Regression
df
Mean Square
54.265
7
7.752
Residual
304.273
122
2.494
Total
358.538
129
F
Sig.
3.108
.005a
a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1
b. Dependent Variable: Y
Coefficientsa
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Standardized
Coefficients
Beta
1.037
1.022
X1
.343
.314
X2
.222
X3
.192
t
Sig.
1.014
.313
.210
1.091
.277
.300
.073
.740
.461
.202
.100
.954
.342
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X4
-.057
.535
-.009
-.106
.915
X5
-.710
.334
-.313
-2.128
.035
X6
.600
.249
.364
2.407
.018
X7
.430
.186
.230
2.305
.023
a. Dependent Variable: Y
Coefficientsa
Model
1
95.0% Confidence Interval for
B
Collinearity Statistics
Lower Bound
Tolerance
Upper Bound
VIF
(Constant)
-.987
3.061
X1
-.279
.964
.189
5.299
X2
-.372
.816
.714
1.401
X3
-.207
.592
.629
1.590
X4
-1.115
1.002
.913
1.096
X5
-1.371
-.050
.321
3.111
X6
.107
1.093
.305
3.281
X7
.061
.799
.700
1.428
a. Dependent Variable: Y
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Charts
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
N
Normal Parametersa,,b
130
Mean
.0000000
Std. Deviation
1.53580824
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Universitas Sumatera Utara
Most Extreme
Differences
Absolute
.039
Positive
.039
Negative
-.030
Kolmogorov-Smirnov Z
.445
Asymp. Sig. (2-tailed)
.989
a. Test distribution is Normal.
b. Calculated from data.
Coefficientsa
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
.485
Standardized
Coefficients
Beta
.584
t
Sig.
.831
.408
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X1
.152
.179
.168
.847
.399
X2
.317
.171
.189
1.853
.066
X3
.174
.115
.164
1.507
.134
X4
-.130
.305
-.038
-.426
.671
X5
.009
.190
.007
.048
.962
X6
-.214
.142
-.235
-1.505
.135
X7
-.145
.106
-.140
-1.364
.175
a. Dependent Variable: Absut
Variabel Moderating
Coefficientsa
Unstandardized Coefficients
Model
1
B
Std. Error
Standardized
Coefficients
Beta
(Constant)
1.719
.058
Absut
-.018
.038
t
-.041
Sig.
29.504
.000
-.467
.641
a. Dependent Variable: Ln_NIM
vii
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