Faktor-Faktor Yang Mempengaruhi Profit Distribution Management Pada Bank Umum Syari’ah Di Indonesia Periode 2011-2014
Lampiran 1
DATA BANK UMUM SYARI’AH
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,57
20,75
14,74
12,01
15,29
31,94
45,90
12,03
Tahun 2011
FDR
NPF
86,03
1,14
70,37
2,42
90,55
2,12
84,29
1,78
83,54
1,74
62,97
0,82
61,70
0,20
83,08
3,03
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
13,82
19,29
11,35
11,57
12,78
32,20
31,50
13,51
Tahun 2012
FDR
NPF
94,40
0,95
77,52
1,42
103,70
1,84
94,15
1,81
91,98
4,59
105,66
0,19
79,90
0,20
88,88
2,67
PDPK
87,56
77,34
88,44
82,08
83,95
41,30
70,99
88,66
BOPO
77,18
87,86
99,25
85,25
93,86
74,30
86,89
90,80
UB
PDPK
87,42
77,31
84,81
77,81
78,84
57,16
78,71
87,08
BOPO
80,42
85,39
99,25
84,45
91,59
47,60
79,85
77,28
UB
4,69
5,48
7,05
4,51
6,44
6,01
3,09
6,75
PDM
5,16
7,02
6,73
6,19
7,21
6,54
6,57
6,55
4,73
5,52
7,15
4,65
6,56
6,33
3,20
6,91
PDM
5,59
7,98
7,09
7,32
7,13
7,54
7,80
6,84
93
DATA BANK UMUM SYARI’AH (Lanjutan)
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,10
16,54
14,49
17,27
11,10
28,83
22,40
12,99
Tahun 2013
FDR
NPF
89,37
1,29
85,30
1,13
102,70
3,26
99,99
0,78
100,29
4,27
90,40
0,77
83,50
0,10
93,37
2,98
PDPK
88,27
75,49
79,28
77,79
75,34
70,82
83,44
84,81
BOPO
77,18
85,39
86,63
85,12
92,90
81,31
62,95
86,09
UB
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,77
16,22
12,89
14,15
15,85
25,69
29,60
19,26
Tahun 2014
FDR
NPF
82,13
6,84
87,81
0,39
93,90
3,65
84,14
4,85
92,89
4,07
94,04
0,29
91,20
0,10
93,61
3,89
PDPK
89,36
75,35
82,15
82,04
77,40
81,77
78,09
83,51
BOPO
83,78
69,78
99,47
97,33
96,73
68,47
50,60
97,61
UB
4,81
5,59
7,24
4,73
6,64
6,61
3,31
6,96
PDM
6,93
8,02
7,43
6,87
8,01
7,42
7,65
8,58
4,83
5,62
7,31
4,80
6,71
6,79
3,48
6,85
PDM
6,19
7,53
7,21
6,94
8,07
7,32
7,94
8,32
94
Lampiran 2
Uji Analisis Statistik Deskriptif
Analisis Statistik Deskriptif masing-masing Variabel
N Minimum Maximum
Mean
Std. Deviation
CAR
32
11,10
45,90 18,4812
8,02187
FDR
32
61,70
105,66 88,2103
10,26562
NPF
32
0,10
6,84
2,0494
1,69118
PDPK
32
41,30
89,36 79,1991
9,55920
BOPO
32
47,60
99,47 83,2050
12,86092
UB
32
3,09
7,31
5,6662
1,29043
PDM
32
5,16
8,58
7,1778
0,76200
Valid N (listwise) 32
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 3
Uji Normalitas
Grafik Histogram Variabel Terkait Profit Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
95
P-P Plot of Regression Standardized Residual Variabel terkait Profit
Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
One-Sample Kolmogorov-Smirnov Test
N
Normal Parametersa,b
Most Extreme differences
Mean
Std. Deviation
Absolute
Positive
Negative
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
a. Test distribution is normal.
b. Calculated from data.
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Unstandardized
Residual
32
,0000000
,69141643
,100
,100
-,092
,568
,904
96
Lampiran 4
Uji Heteroskedastisitas
Scatterplot variabel terkait Profit Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Uji Glejser
Coefficientsa
Unstandardized
Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
1
(Constant)
1,451
1,553
CAR
-,007
,015
-,140
FDR
-,003
,010
-,077
NPF
-,030
,059
-,130
PDPK
,004
,011
,095
BOPO
-,005
,008
-,153
UB
-,064
,081
-,209
a. Dependent Variable: ABS_RES
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
Sig
,934
-,449
-,303
-,510
-,370
-,560
-,794
,359
,657
,765
,615
,714
,581
,435
97
Lampiran 5
Uji Autokorelasi
Hasil Uji Autokorelasi (Durbin-Watson)
Model Summary b
R
Adjusted Std. Error of
Model
R
Durbin-Watson
Square R Square the Estimate
1 ,443a
,196
.003
,76083
2,205
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO, CAR
b. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 6
Uji Multikolinieritas
Hasil Uji Multikolinieritas
Coefficientsa
Unstandardized Unstandardized
Coefficients
Coefficients
Model
t
B
Std. Eror
Beta
1 (Constant) 3,709
2,903
1,278
CAR
,035
0,29
,366 1,215
FDR
,028
0,18
,371 1,501
NPF
,036
0,111
,080 ,323
PDPK
-,008
,020
-,101 -,405
BOPO
,005
,016
,083 ,315
UB
,098
,151
,165 ,647
a. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Collinearity
Statistics
Sig
Tolerance VIF
,213
,236
,363 2,752
,146
,540 1,851
,749
,542 1,844
,689
,529 1,890
,756
,471 2,125
,524
,504 1,983
Lampiran 7
Uji-F
Hasil Uji-F
Anovab
Model
Sum of Square
Df Mean Square
1 Regression
3,180
6
,530
Residuals
14,820
25
,593
Total
18,000
31
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO,CAR
b. Dependent Variable : PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
F
,894
Sig
,514a
98
Lampiran 8
Uji-t
Hasil Uji-t (Secara Parsial)
Coefficientsa
Unstandardized Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
1 (Constant)
3,709
2,903
CAR
,035
,029
,366
FDR
,028
,018
,371
NPF
,036
,111
,080
PDPK
-,008
,020
-,101
BOPO
,005
,016
,083
UB
,098
,151
,165
a. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
Sig
1,278
1,215
1,501
,323
-,405
,315
,647
,213
,236
,146
,749
,689
,756
,524
Lampiran 9
Uji Koefisien Determinasi
Hasil Uji Koefisien Determinasi
Model Summaryb
Adjusted R
Std.Error of
Model
R
R Square
Square
the Estimate
1
,443a
,196
, 003
,76083
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO,CAR
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 10
Analisis Regresi Berganda
Hasil Analisis Regresi Berganda
Unstandardized
Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
2 (Constant)
3,709
2,903
CAR
,035
,029
,366
FDR
,028
,018
,371
NPF
,036
,111
,080
PDPK
-,008
,020
-,101
BOPO
,005
,016
,083
UB
,098
,151
,165
a. Dependent Variabel: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
1,278
1,215
1,501
,323
-,405
,315
,647
Sig
,213
,236
,146
,759
,689
,756
,524
99
DATA BANK UMUM SYARI’AH
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,57
20,75
14,74
12,01
15,29
31,94
45,90
12,03
Tahun 2011
FDR
NPF
86,03
1,14
70,37
2,42
90,55
2,12
84,29
1,78
83,54
1,74
62,97
0,82
61,70
0,20
83,08
3,03
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
13,82
19,29
11,35
11,57
12,78
32,20
31,50
13,51
Tahun 2012
FDR
NPF
94,40
0,95
77,52
1,42
103,70
1,84
94,15
1,81
91,98
4,59
105,66
0,19
79,90
0,20
88,88
2,67
PDPK
87,56
77,34
88,44
82,08
83,95
41,30
70,99
88,66
BOPO
77,18
87,86
99,25
85,25
93,86
74,30
86,89
90,80
UB
PDPK
87,42
77,31
84,81
77,81
78,84
57,16
78,71
87,08
BOPO
80,42
85,39
99,25
84,45
91,59
47,60
79,85
77,28
UB
4,69
5,48
7,05
4,51
6,44
6,01
3,09
6,75
PDM
5,16
7,02
6,73
6,19
7,21
6,54
6,57
6,55
4,73
5,52
7,15
4,65
6,56
6,33
3,20
6,91
PDM
5,59
7,98
7,09
7,32
7,13
7,54
7,80
6,84
93
DATA BANK UMUM SYARI’AH (Lanjutan)
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,10
16,54
14,49
17,27
11,10
28,83
22,40
12,99
Tahun 2013
FDR
NPF
89,37
1,29
85,30
1,13
102,70
3,26
99,99
0,78
100,29
4,27
90,40
0,77
83,50
0,10
93,37
2,98
PDPK
88,27
75,49
79,28
77,79
75,34
70,82
83,44
84,81
BOPO
77,18
85,39
86,63
85,12
92,90
81,31
62,95
86,09
UB
No
1
2
3
4
5
6
7
8
Bank
Mandiri Syariah
BNI Syariah
BRI Syariah
Muamalat
Bukopin Syariah
Panin Syariah
BCA Syariah
Mega Syariah
CAR
14,77
16,22
12,89
14,15
15,85
25,69
29,60
19,26
Tahun 2014
FDR
NPF
82,13
6,84
87,81
0,39
93,90
3,65
84,14
4,85
92,89
4,07
94,04
0,29
91,20
0,10
93,61
3,89
PDPK
89,36
75,35
82,15
82,04
77,40
81,77
78,09
83,51
BOPO
83,78
69,78
99,47
97,33
96,73
68,47
50,60
97,61
UB
4,81
5,59
7,24
4,73
6,64
6,61
3,31
6,96
PDM
6,93
8,02
7,43
6,87
8,01
7,42
7,65
8,58
4,83
5,62
7,31
4,80
6,71
6,79
3,48
6,85
PDM
6,19
7,53
7,21
6,94
8,07
7,32
7,94
8,32
94
Lampiran 2
Uji Analisis Statistik Deskriptif
Analisis Statistik Deskriptif masing-masing Variabel
N Minimum Maximum
Mean
Std. Deviation
CAR
32
11,10
45,90 18,4812
8,02187
FDR
32
61,70
105,66 88,2103
10,26562
NPF
32
0,10
6,84
2,0494
1,69118
PDPK
32
41,30
89,36 79,1991
9,55920
BOPO
32
47,60
99,47 83,2050
12,86092
UB
32
3,09
7,31
5,6662
1,29043
PDM
32
5,16
8,58
7,1778
0,76200
Valid N (listwise) 32
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 3
Uji Normalitas
Grafik Histogram Variabel Terkait Profit Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
95
P-P Plot of Regression Standardized Residual Variabel terkait Profit
Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
One-Sample Kolmogorov-Smirnov Test
N
Normal Parametersa,b
Most Extreme differences
Mean
Std. Deviation
Absolute
Positive
Negative
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
a. Test distribution is normal.
b. Calculated from data.
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Unstandardized
Residual
32
,0000000
,69141643
,100
,100
-,092
,568
,904
96
Lampiran 4
Uji Heteroskedastisitas
Scatterplot variabel terkait Profit Distribution Management (PDM)
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Uji Glejser
Coefficientsa
Unstandardized
Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
1
(Constant)
1,451
1,553
CAR
-,007
,015
-,140
FDR
-,003
,010
-,077
NPF
-,030
,059
-,130
PDPK
,004
,011
,095
BOPO
-,005
,008
-,153
UB
-,064
,081
-,209
a. Dependent Variable: ABS_RES
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
Sig
,934
-,449
-,303
-,510
-,370
-,560
-,794
,359
,657
,765
,615
,714
,581
,435
97
Lampiran 5
Uji Autokorelasi
Hasil Uji Autokorelasi (Durbin-Watson)
Model Summary b
R
Adjusted Std. Error of
Model
R
Durbin-Watson
Square R Square the Estimate
1 ,443a
,196
.003
,76083
2,205
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO, CAR
b. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 6
Uji Multikolinieritas
Hasil Uji Multikolinieritas
Coefficientsa
Unstandardized Unstandardized
Coefficients
Coefficients
Model
t
B
Std. Eror
Beta
1 (Constant) 3,709
2,903
1,278
CAR
,035
0,29
,366 1,215
FDR
,028
0,18
,371 1,501
NPF
,036
0,111
,080 ,323
PDPK
-,008
,020
-,101 -,405
BOPO
,005
,016
,083 ,315
UB
,098
,151
,165 ,647
a. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Collinearity
Statistics
Sig
Tolerance VIF
,213
,236
,363 2,752
,146
,540 1,851
,749
,542 1,844
,689
,529 1,890
,756
,471 2,125
,524
,504 1,983
Lampiran 7
Uji-F
Hasil Uji-F
Anovab
Model
Sum of Square
Df Mean Square
1 Regression
3,180
6
,530
Residuals
14,820
25
,593
Total
18,000
31
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO,CAR
b. Dependent Variable : PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
F
,894
Sig
,514a
98
Lampiran 8
Uji-t
Hasil Uji-t (Secara Parsial)
Coefficientsa
Unstandardized Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
1 (Constant)
3,709
2,903
CAR
,035
,029
,366
FDR
,028
,018
,371
NPF
,036
,111
,080
PDPK
-,008
,020
-,101
BOPO
,005
,016
,083
UB
,098
,151
,165
a. Dependent Variable: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
Sig
1,278
1,215
1,501
,323
-,405
,315
,647
,213
,236
,146
,749
,689
,756
,524
Lampiran 9
Uji Koefisien Determinasi
Hasil Uji Koefisien Determinasi
Model Summaryb
Adjusted R
Std.Error of
Model
R
R Square
Square
the Estimate
1
,443a
,196
, 003
,76083
a. Predictors: (Constant), UB, PDPK, NPF, FDR, BOPO,CAR
Sumber: Hasil Penelitian, 2015 (Data Diolah)
Lampiran 10
Analisis Regresi Berganda
Hasil Analisis Regresi Berganda
Unstandardized
Unstandardized
Coefficients
Coefficients
Model
B
Std. Eror
Beta
2 (Constant)
3,709
2,903
CAR
,035
,029
,366
FDR
,028
,018
,371
NPF
,036
,111
,080
PDPK
-,008
,020
-,101
BOPO
,005
,016
,083
UB
,098
,151
,165
a. Dependent Variabel: PDM
Sumber: Hasil Penelitian, 2015 (Data Diolah)
t
1,278
1,215
1,501
,323
-,405
,315
,647
Sig
,213
,236
,146
,759
,689
,756
,524
99