Analisi Faktor-Faktor yang Mempengaruhi Perkembangan Fungsi Intermediasi Perbankan Syariah di Sumatera Utara
LAMPIRAN
Lampiran 1
Hasil Statistik Deskriptif
N
Minimum Maximum
Mean
Std.
Deviation
FDR
34
104.99
227.35
154.5441
36.78113
NPF
34
4.11
11.06
6.6674
2.04169
DPK
34
.63
7.22
3.6568
2.07850
INFLASI
34
-1.03
2.51
.6047
.80574
Valid N
(listwise)
34
Lampiran 2
Hasil Uji Normalitas
Variables Entered/Removed
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
Model
1
a. All requested variables entered.
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
13.60760
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
61
Universitas Sumatera Utara
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
t
Sig.
23.362
.000
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
Beta
(Constant)
199.175
8.526
NPF
3.132
1.317
.174
2.377
.024
DPK
7.786
1.290
-1.005
3.792
.046
INFLASI
-.780
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
62
Universitas Sumatera Utara
63
Universitas Sumatera Utara
KOLMOGOROV SMIRNOV
One-Sample Kolmogorov-Smirnov Test
Unstandardize
d Residual
N
34
Normal Parametersa,,b
Mean
.0000000
Std. Deviation
12.97434220
Absolute
.128
Positive
.128
Negative
-.092
Most Extreme
Differences
Kolmogorov-Smirnov Z
.748
Asymp. Sig. (2-tailed)
.630
a. Test distribution is Normal.
b. Calculated from data.
Lampiran 3
Hasil Uji Multikolinearitas
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
a. All requested variables entered.
Coefficientsa
Collinearity
Statistics
Toleranc
e
VIF
NPF
.776
1.289
DPK
.781
1.280
INFLASI
.988
1.012
Model
1
64
Universitas Sumatera Utara
Coefficientsa
Collinearity
Statistics
Toleranc
e
VIF
NPF
.776
1.289
DPK
.781
1.280
INFLASI
.988
1.012
Model
1
a. Dependent Variable: FDR
Collinearity Diagnosticsa
Dimen
Model sion Eigenvalue
1
Variance Proportions
Condition
Index
(Constant)
NPF
DPK
INFLASI
1
3.234
1.000
.01
.01
.02
.03
2
.595
2.331
.00
.01
.03
.87
3
.133
4.940
.15
.05
.87
.06
4
.038
9.211
.84
.94
.08
.04
a. Dependent Variable: FDR
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
65
Universitas Sumatera Utara
Lampiran 4
Hasil Uji Autokorelasi
Variables Entered/Removed
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
Model
1
a. All requested variables entered.
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
t
Sig.
23.362
.000
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
Beta
(Constant)
199.175
8.526
NPF
3.132
1.317
.174
2.377
.024
DPK
7.786
1.290
-1.005
3.792
.046
INFLASI
-.780
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
66
Universitas Sumatera Utara
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
Lampiran 5
Hasil Uji Analisis Regresi Linear Berganda
Coefficientsa
Unstandardized
Coefficients
Model
1
B
Std. Error
(Constant)
199.175
8.526
NPF
3.132
1.317
DPK
7.786
INFLASI
-.780
Standardized
Coefficients
Beta
t
Sig.
23.362
.000
.174
2.377
.024
1.290
-1.005
3.792
.046
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
67
Universitas Sumatera Utara
Lampiran 6
Hasil Uji T
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
(Constant)
199.175
8.526
NPF
3.132
1.317
DPK
7.786
INFLASI
-.780
Beta
t
Sig.
23.362
.000
.174
2.377
.024
1.290
-1.005
3.792
.046
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
Lampiran 7
Hasil Uji F
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Lampiran 8
Hajil Uji Koofisien Determinasi
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
68
Universitas Sumatera Utara
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Lampiran 9
Daftar Perbankan Syariah di Sumatera Utara
Tahun 2015
No
Bank Umum Syariah
(BUS)
1
2
3
4
5
6
7
Pt. Bank Syariah Mandiri
Pt. BNI Syariah
PT. BTN Syariah
PT. BRI Syariah
PT. Bank Mega Syariah
Permata Bank Syariah
PT. Bank Bukopin Syariah
8
9
10
PT. Bank Sumut Syariah
PT. BTPN Syariah
PT. Bank Muamalat
Bank Pembiayaan Rakyat
Syariah (BPRS)
Unit Usaha Syariah (UUS)
PT BPRS Al- Wasliyah
PT BPRS Gebu Prima
PT BPRS Amanah Insan Cita
PT BPRS Pudarta Insani
PT BPRS Al-Yaqin
PT BPRS Amanah Bangsa
PT BPRS Sindanglaya Kotanopan
PT BPRS Oloan Ummah
Sidempuan
PT. Bank Danamon
Indonesia
PT. Bank OCBC NISP
PT. Bank CIMB Niaga
PT. Bank Sinarmas
PT. Maybank
PT. Bank Aceh
69
Universitas Sumatera Utara
Lampiran 10
Data FDR, NPF, DPK dan Inflasi Perbankan Syariah di Sumatera Utara
Tahun
2007
2008
2009
2010
2011
2012
2013
2014
2015
Periode
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan I
Triwulan II
FDR
227.35
195.81
195.63
181.39
185.08
183.12
227.01
204.36
178.60
175.00
182.57
179.57
183.50
187.27
182.08
158.57
152.65
156.33
123.29
107.81
111.14
127.09
127.85
125.68
137.15
130.71
129.70
123.23
121.01
119.62
112.92
104.99
105.81
110.61
NPF
5.35
4.16
4.95
4.99
4.93
5.62
5.23
7.38
8.27
7.57
6.75
7.95
8.07
7.63
7.96
4.79
4.63
6.18
5.04
4.71
4.96
5.86
5.32
4.11
5.48
5.21
5.93
6.60
9.19
10.97
11.06
9.31
10.11
10.42
DPK
0.63
0.92
1.02
1.16
1.28
1.54
1.37
1.80
1.96
2.28
2.41
2.17
2.06
2.20
2.40
2.80
3.02
3.16
3.72
4.48
4.58
4.43
4.92
5.53
5.41
5.48
5.69
6.07
6.14
6.32
6.58
7.22
6.88
6.70
INFLASI
0.22
0.82
0.97
1.58
0.92
2.18
0.25
0.57
-0.35
0.00
1.20
0.52
-0.64
1.90
-0.14
1.70
-1.03
0.99
1.25
0.53
-0.27
1.23
-0.03
0.56
0.34
1.28
0.10
0.02
-0.24
0.52
0.26
2.51
0.00
0.84
70
Universitas Sumatera Utara
Lampiran 1
Hasil Statistik Deskriptif
N
Minimum Maximum
Mean
Std.
Deviation
FDR
34
104.99
227.35
154.5441
36.78113
NPF
34
4.11
11.06
6.6674
2.04169
DPK
34
.63
7.22
3.6568
2.07850
INFLASI
34
-1.03
2.51
.6047
.80574
Valid N
(listwise)
34
Lampiran 2
Hasil Uji Normalitas
Variables Entered/Removed
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
Model
1
a. All requested variables entered.
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
13.60760
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
61
Universitas Sumatera Utara
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
t
Sig.
23.362
.000
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
Beta
(Constant)
199.175
8.526
NPF
3.132
1.317
.174
2.377
.024
DPK
7.786
1.290
-1.005
3.792
.046
INFLASI
-.780
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
62
Universitas Sumatera Utara
63
Universitas Sumatera Utara
KOLMOGOROV SMIRNOV
One-Sample Kolmogorov-Smirnov Test
Unstandardize
d Residual
N
34
Normal Parametersa,,b
Mean
.0000000
Std. Deviation
12.97434220
Absolute
.128
Positive
.128
Negative
-.092
Most Extreme
Differences
Kolmogorov-Smirnov Z
.748
Asymp. Sig. (2-tailed)
.630
a. Test distribution is Normal.
b. Calculated from data.
Lampiran 3
Hasil Uji Multikolinearitas
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
a. All requested variables entered.
Coefficientsa
Collinearity
Statistics
Toleranc
e
VIF
NPF
.776
1.289
DPK
.781
1.280
INFLASI
.988
1.012
Model
1
64
Universitas Sumatera Utara
Coefficientsa
Collinearity
Statistics
Toleranc
e
VIF
NPF
.776
1.289
DPK
.781
1.280
INFLASI
.988
1.012
Model
1
a. Dependent Variable: FDR
Collinearity Diagnosticsa
Dimen
Model sion Eigenvalue
1
Variance Proportions
Condition
Index
(Constant)
NPF
DPK
INFLASI
1
3.234
1.000
.01
.01
.02
.03
2
.595
2.331
.00
.01
.03
.87
3
.133
4.940
.15
.05
.87
.06
4
.038
9.211
.84
.94
.08
.04
a. Dependent Variable: FDR
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
65
Universitas Sumatera Utara
Lampiran 4
Hasil Uji Autokorelasi
Variables Entered/Removed
Variables
Entered
Variables
Removed
Method
INFLASI,
DPK, NPFa
.
Enter
Model
1
a. All requested variables entered.
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
t
Sig.
23.362
.000
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
Beta
(Constant)
199.175
8.526
NPF
3.132
1.317
.174
2.377
.024
DPK
7.786
1.290
-1.005
3.792
.046
INFLASI
-.780
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
66
Universitas Sumatera Utara
Residuals Statisticsa
Minimum Maximum
Predicted Value
Residual
97.9582
Std.
Deviation
N
34.41682
34
.00000
12.97434
34
Mean
204.5534 154.5441
-26.01988 36.01774
Std. Predicted
Value
-1.644
1.453
.000
1.000
34
Std. Residual
-1.912
2.647
.000
.953
34
a. Dependent Variable: FDR
Lampiran 5
Hasil Uji Analisis Regresi Linear Berganda
Coefficientsa
Unstandardized
Coefficients
Model
1
B
Std. Error
(Constant)
199.175
8.526
NPF
3.132
1.317
DPK
7.786
INFLASI
-.780
Standardized
Coefficients
Beta
t
Sig.
23.362
.000
.174
2.377
.024
1.290
-1.005
3.792
.046
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
67
Universitas Sumatera Utara
Lampiran 6
Hasil Uji T
Coefficientsa
Unstandardized
Coefficients
Model
1
Standardized
Coefficients
B
Std. Error
(Constant)
199.175
8.526
NPF
3.132
1.317
DPK
7.786
INFLASI
-.780
Beta
t
Sig.
23.362
.000
.174
2.377
.024
1.290
-1.005
3.792
.046
2.958
-.017
-.264
.794
a. Dependent Variable: FDR
Lampiran 7
Hasil Uji F
ANOVAb
Sum of
Squares
df
Mean Square
F
Sig.
Regression
39089.081
3
13029.694
70.367
.000a
Residual
5555.007
30
185.167
Total
44644.089
33
Model
1
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Lampiran 8
Hajil Uji Koofisien Determinasi
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
68
Universitas Sumatera Utara
Model Summaryb
Model
R
R Square
Adjusted R
Square
1
.936a
.876
.863
Std. Error of
the Estimate
DurbinWatson
13.60760
1.918
a. Predictors: (Constant), INFLASI, DPK, NPF
b. Dependent Variable: FDR
Lampiran 9
Daftar Perbankan Syariah di Sumatera Utara
Tahun 2015
No
Bank Umum Syariah
(BUS)
1
2
3
4
5
6
7
Pt. Bank Syariah Mandiri
Pt. BNI Syariah
PT. BTN Syariah
PT. BRI Syariah
PT. Bank Mega Syariah
Permata Bank Syariah
PT. Bank Bukopin Syariah
8
9
10
PT. Bank Sumut Syariah
PT. BTPN Syariah
PT. Bank Muamalat
Bank Pembiayaan Rakyat
Syariah (BPRS)
Unit Usaha Syariah (UUS)
PT BPRS Al- Wasliyah
PT BPRS Gebu Prima
PT BPRS Amanah Insan Cita
PT BPRS Pudarta Insani
PT BPRS Al-Yaqin
PT BPRS Amanah Bangsa
PT BPRS Sindanglaya Kotanopan
PT BPRS Oloan Ummah
Sidempuan
PT. Bank Danamon
Indonesia
PT. Bank OCBC NISP
PT. Bank CIMB Niaga
PT. Bank Sinarmas
PT. Maybank
PT. Bank Aceh
69
Universitas Sumatera Utara
Lampiran 10
Data FDR, NPF, DPK dan Inflasi Perbankan Syariah di Sumatera Utara
Tahun
2007
2008
2009
2010
2011
2012
2013
2014
2015
Periode
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan 1
Triwulan 2
Triwulan 3
Triwulan 4
Triwulan I
Triwulan II
FDR
227.35
195.81
195.63
181.39
185.08
183.12
227.01
204.36
178.60
175.00
182.57
179.57
183.50
187.27
182.08
158.57
152.65
156.33
123.29
107.81
111.14
127.09
127.85
125.68
137.15
130.71
129.70
123.23
121.01
119.62
112.92
104.99
105.81
110.61
NPF
5.35
4.16
4.95
4.99
4.93
5.62
5.23
7.38
8.27
7.57
6.75
7.95
8.07
7.63
7.96
4.79
4.63
6.18
5.04
4.71
4.96
5.86
5.32
4.11
5.48
5.21
5.93
6.60
9.19
10.97
11.06
9.31
10.11
10.42
DPK
0.63
0.92
1.02
1.16
1.28
1.54
1.37
1.80
1.96
2.28
2.41
2.17
2.06
2.20
2.40
2.80
3.02
3.16
3.72
4.48
4.58
4.43
4.92
5.53
5.41
5.48
5.69
6.07
6.14
6.32
6.58
7.22
6.88
6.70
INFLASI
0.22
0.82
0.97
1.58
0.92
2.18
0.25
0.57
-0.35
0.00
1.20
0.52
-0.64
1.90
-0.14
1.70
-1.03
0.99
1.25
0.53
-0.27
1.23
-0.03
0.56
0.34
1.28
0.10
0.02
-0.24
0.52
0.26
2.51
0.00
0.84
70
Universitas Sumatera Utara