Faktor-Faktor Yang Mempengaruhi Loan To Deposit Ratio Pada Bank Pembangunan Daerah Di Indonesia Periode 2008-2012
LAMPIRAN
Data –data Rasio Keuangan Bank BPD di Indonesia
Periode 2008-2012
BANK BJB
9.6
10.18
84.68
78.62 BANK BPD DIY
3.23
15.5
1.46
76.39
11.76
61.73 BANK LAMPUNG
3.41
23.06
1.36
8.75 83.13 112.13 BANK JAMBI
4.73
16.92
1.44
4.07
11.22
1.49
0.21
8.69
80.23
48.71 BANK KALSEL
3.81
17.53
7.76
86.5 BANK SULUT
78.15
43.94 BANK NTT
5.24
29.53
1.1
12.3
67.03
0.43
61.93
3.94
13.62
11.41
65.18
66.97 BANK SULTRA
8.32
39.05
2.7
79.49
17.45
73.89 BANK SULTENG
4.28
23.15
9.39
11.01
54.82
68.46
1.18
4.61
65.39 BANK MALUKU
4.38
3.25
19.62
4.67
13.87
80.38
54.85 BANK NTB
13.7
33.7 BANK BENGKULU
3.6
11.11 73.28 109.58 BANK KALTENG
4.04
19.59
2.69
9.53
62.96
19.21
90.78 BANK KALBAR
3.42
3.57 10.22 101.94
2.07
6.86
55.34
31.57 BANK DKI
1.58
17.82
65.8 BANK SUMUT
4.85
4.4
16.64
2.13
10.69
80.91
74.71 BANK RIAUKEPRI
2.98
16.97
87.83 BANK KALTIM
1.5
25.17
15.35
0.69
8.45
75.41
79.68 BANK JATIM
3.99
0.8
70.14
8.35
67.42
44.55 BANK JATENG
5.4
16.7
0.45
11.37
20.46
6.06
TAHUN NAMA BANK ROA CAR NPL NIM BOPO LDR 2008
15.82
17.16
3.87
9.11
78.94
89.29 BANK BPD BALI
5.24
0.96
37.48 BANK NAGARI
9.76
72.46
81.96 BANK SULSELBAR
7.66
19.63
2.72
12.21
3.22
70.57
71.93
2.13
39.06 BANK PAPUA
3.73
46.26
2.9
8.12
70.88
24.37 BANK SUMSELBABEL
14.33
7.67
2.57
8.68
81.81
45.88 BANK ACEH
3.48
20.93
2.32
53.87 TAHUN NAMA BANK ROA CAR NPL NIM BOPO LDR 2009
BANK BJB
17.22
12.29
1.42
8.4
89.84
72.47 BANK BPD DIY
3.47
1.73
92.33 BANK SULUT
9.61
75.17
71.48 BANK LAMPUNG
3.5
24.32
1.56
6.7
2.59
70.68
89.75 BANK JAMBI
4.32
4.6
17.74
0.13
9.17
81.35
71.28 BANK KALSEL
15.77
10.99
1.27
7.6
65.75
57.73 BANK NTT
5.3
30.12
1.2
78.34
5.47
57.09
6.4
3.93
17.13
1.08
15.86 72.74 115.9 BANK SULTRA
8.33
42.37
12.96
68.47
55.42
85.69 BANK SULTENG
4.51
28.97
9.21
14.46
57.12
55.82 BANK BENGKULU
9.98
24.69
80.82 BANK NTB
0.54
12.29 62.94 103.92 BANK MALUKU
3.4
17.88
3.55
11.56
77.72
4.8
1.79
14.58
4.35
10.97
75.02
95.59 BANK KALTENG
3.25
16.66
93.7 BANK KALBAR
10.73
3.65
6.2
1.78
6.37
63.69
50.35 BANK DKI
1.5
14.38
9.06
3.73
66.81
56.74 BANK SUMUT
5.82
11.58
2.51
11.24
69.86
21.25
78.97 BANK KALTIM
2.69
20.85
18.71
1.2
7.63
77.3
77.27 BANK JATIM
3.75
0.92
71.36
7.66
66.04
55.45 BANK JATENG
4.06
18.79
0.45
9.33
84.76 BANK RIAUKEPRI
16.36
2.7
86.52 BANK BPD BALI
54.48 BANK NAGARI
3.1
17.01
3.87
8.46
79.85
4.41
6.95
13.4
0.76
9.19
66.8
94.17 BANK SULSELBAR
5.8
22.22
71.39
2.66
1.33
69.72
6.09
73.83
70.56 BANK PAPUA
3.24
42.31
2.87
8.39
31.24 BANK SUMSELBABEL
23.46
2.82
13.02
2.36
8.47
78.09
69.38 BANK ACEH
3.51
77.73 TAHUN NAMA BANK ROA CAR NPL NIM BOPO LDR 2010
BANK BJB
72.83 BANK LAMPUNG
90.48 BANK BPD DIY
3.32
15.69
1.49
10.27
73.53
5.69
11.64
22.26
1.28
9.59
68.57
70.76 BANK JAMBI
2.41
23.89
85.09
0.92
17.34
1.06
15.77
0.14
10.06
70.23
72.58 BANK KALSEL
6.22
15.34
8.04
12.16
72.16
66.31 BANK NTT
7.07
23.35
1.75
11.68 72.1 103.42 BANK SULUT
4.33
0.6
57.55
91.57 BANK KALBAR
5.8
2.13
18.04
70.24
73.67 BANK SULTRA
4.24
29.7
12.55
5.84
64.75
76.76 BANK SULTENG
6.92
23.83
8.85
10.41
61.88
22.41
57.66 BANK BENGKULU
57.56 BANK MALUKU
14.36
2.82
14.95
4.44
12.49
77.91
80.68 BANK NTB
9.03
3.8
64.24
10.69
72.42
94.66 BANK KALTENG
4.11
20.33
1.48
11.65
4.23
65.81
3.76
7.85
8.76
55.29
62.22 BANK DKI
2.04
12.62
3.93
91.04
19.03
52.58 BANK SUMUT
6.16
11.28
3.41
11.47
68.65
84.92 BANK RIAUKEPRI
3.1
4.62
17.37
1.18
23.69
2.01
7.32
76.6
63.6 BANK JATIM
5.91
18.46
9.2
67.77 BANK KALTIM
59.38
68.19 BANK JATENG
3.65
17.07
0.57
9.24
79.61
5.19
2.4
10.31
4.74
4.24
13.71
4.32
10.43
76.34
80.78 BANK BPD BALI
12.48
92.99
0.75
8.73
68.96
91.58 BANK SULSELBAR
6.12
20.33
2.07
69.41 BANK NAGARI
8.26
9.43
38.36 BANK SUMSELBABEL
70.09
66.83 BANK PAPUA
3.24
28.92
1.85
7.24
70.67
2.85
5.45
11.66
1.37
7.22
80.81
68.74 BANK ACEH
3.96
20.54
60.99 TAHUN NAMA BANK ROA CAR NPL NIM BOPO LDR 2011
BANK BJB
9.3
8.46
84.96
99.78 BANK BPD DIY
2.69
13.07
1.19
74.67
12.71
78.71 BANK LAMPUNG
3.19
19.81
0.87
11.71
73.69
80.23 BANK JAMBI
0.31
2.01
23.47
0.96
0.15
9.95
76.97
77.51 BANK KALSEL
2.81
17.65
6.67
88.22 BANK SULUT
74.68
63.3 BANK NTT
5.49
24.55
1.22
9.85
71.04
3.28
0.36
3.45
4.84
0.05
10.82
78.12
75.14 BANK SULTRA
7.02
38.35
15.1
3.17
56.6
69.95 BANK SULTENG
4.5
26.48
9.82
8
73.8
22.84
68.74 BANK BENGKULU
11.71
82.44 BANK NTB
61.16
66.55 BANK MALUKU
4.52
14.07
1.19
13.02
70.14
5.71
63.31
12.89
0.14
12.95 68.81 101.45 BANK KALTENG
3.88
18.92
0.81
8.79
17.74
10.18 72.13 101.93 BANK KALBAR
2.65
3.12
3.7
8.18
63.86
59.95 BANK DKI
2.32
9.57
6.86
4.08
54.24
73.03 BANK SUMUT
3.26
14.66
2.03
9.15
75.99
18.48
70.17 BANK KALTIM
2.62
16.53
18.36
1.21
6.89
80.02
72.95 BANK JATIM
4.97
0.97
79.11
7.95
60.02
80.11 BANK JATENG
2.67
15.02
1.04
8.43
78.56 BANK RIAUKEPRI
20.61
1.82
91.69 BANK BPD BALI
47.34 BANK NAGARI
2.68
12.6
1.33
7.57
78.82
3.54
7.24
11.73
0.57
7.79
69.74
82.73 BANK SULSELBAR
3.34
23.62
77.36
3.03
2.57
73.44
7.23
75.15
65.74 BANK PAPUA
3.01
23.54
0.36
7.32
48.01 BANK SUMSELBABEL
23.18
2.56
12.09
0.35
6.67
80.64
75.19 BANK ACEH
3.46
62.52 TAHUN NAMA BANK ROA CAR NPL NIM BOPO LDR 2012
BANK BJB
74.86
0.81
8.66 77.66 108.88 BANK BPD DIY
2.56
14.4
0.83
8.68
71.89 BANK LAMPUNG
3
2.8
19.29
0.74
6.51
75.05
91.73 BANK JAMBI
18.76
93.45 BANK SULUT
24.41
1.83
0.17
9.01
71.33
86.8 BANK KALSEL
2.27
18.22
5.15
71.57
79.4
55.77 BANK NTT
3.65
16.52
1.2
8.67
3.58
0.04
3.33
23.18
15.84
0.22
7.7
73.27
93.27 BANK SULTRA
5.15
1.33
71.88 BANK BENGKULU
8.89
69.66
92.02 BANK SULTENG
2.01
27.35
0.74
3.41
69.83
8.21
73.9
63.32
82.29 BANK MALUKU
3.86
14.71
2.81
8.8
78.61 BANK NTB
7.67
5.62
12.92
1.98
11.99 64.32 108.41 BANK KALTENG
3.41
23.75
0.84
16.87
9.53 71.66 113.21 BANK KALBAR
2.46
16.43
22.81
3
6.23
73.9
56.65 BANK DKI
1.63
3.5
82.48 BANK KALTIM
7.7
79.3
65.59 BANK SUMUT
2.99
13.24
2.81
2.38
71.3
2.95
26.56
18.11
2.07
6.76
80.02
74.09 BANK JATIM
3.34
2.95
6.6
6.48
68.89
83.55 BANK JATENG
2.57
17.49
0.82
8.49 77.76 101.9 BANK RIAUKEPRI
19.56
1.39
4.28
71.51
89.89 BANK NAGARI
2.65
15.12
2.69
7.26 77.62 100.35 BANK BPD BALI
16.79
3.3
0.45
7.5
62.82
80.6 BANK SULSELBAR
3.99
28.93
7.87
17.82
2.95
5.71
6.72
75.07
75.07 BANK PAPUA
2.81
21.42
0.84
74.15
3.66
71.65 BANK SUMSELBABEL
1.9
13.55
6.82
6.5
82.28
75.98 BANK ACEH
6.87 76.44 107.3
STATISTIK DESKRIPTIF Descriptive Statistics
N Minimum Maximum Mean Std. Deviation ROA 130 1.50 9.03 3.9445 1.41155 CAR 130 9.57 46.26 19.3860 6.40755 NPL 130 .04
53.87 101.94 72.1841 8.27126 LDR 130 24.37 115.90 74.8592 18.61989 Valid N (listwise) 130
UJI NORMALITAS Hasil Uji Normalitas
One-Sample Kolmogorov-Smirnov Test
ROA CAR NPL NIM BOPO LDRN 130 130 130 130 130 130
Normal Parameters a,b Mean 3.9445 19.3860 2.1492 9.3429 72.1841 74.8592 Std. Deviation 1.41155 6.40755 1.91679 2.34323 8.27126 18.61989 Most
Extreme Difference s Absolute .100 .123 .148 .099 .080 .059
Positive .100 .123 .148 .099 .061 .029 Negative -.063 -.096 -.136 -.065 -.080 -.059
Kolmogorov-Smirnov Z 1.143 1.406 1.687 1.132 .914 .677
Asymp. Sig. (2-tailed) .147 .038 .007 .154 .374 .749
a. Test distribution is Normal.b. Calculated from data.
9.82 2.1492 1.91679 NIM 130 5.15 18.04 9.3429 2.34323 BOPO 130
Hasil uji Normalitas dengan Transformasi Data
Mean 1.3131 2.9190 .3619 2.2058 4.2726 4.2798 Std. Deviation .34480 .29386 1.01265 .23766 .11633 .28235
Most Extreme Differences
Absolute .046 .063 .092 .060 .102 .116 Positive .035 .063 .052 .060 .065 .054 Negative -.046 -.040 -.092 -.032 -.102 -.116
Kolmogorov-Smirnov Z .526 .721 1.053 .681 1.159 1.325 Asymp. Sig. (2-tailed) .945 .676 .218 .743 .136 .060 a. Test distribution is Normal.
b. Calculated from data.
a, b
One-Sample Kolmogorov-Smirnov Test
LnROA LnCAR LnNPL LnNIM LnBOPO LnLDR N 130 130 130 130 130 130 Normal Parameters
Grafik Distribusi Normal Grafik Normal Plot
UJI HETEROSKEDASTISITAS UJI AUTOKORELASI Model Summary
b Model R R Square
Adjusted R Square Std. Error of the Estimate Durbin-Watson
1 .444 a .197 .165 17.01870 1.535
a. Predictors: (Constant), BOPO, NPL, NIM, CAR, ROA
b. Dependent Variable: LDR
UJI MULTIKOLINEARITAS Coefficients
a Model Collinearity Statistics
Tolerance
VIF
1 (Constant) LnROA .590 1.694 LnCAR .890 1.123 LnNPL .983 1.017 LnNIM .732 1.367 LnBOPO .735 1.360
Koefisien Korelasi Coefficient Correlations
a Model BOPO NPL NIM CAR ROA
1 Correlations BOPO 1.000 .016 .028 .169 .364
NPL .016 1.000 -.097 -.186 -.015 NIM .028 -.097 1.000 -.020 -.433 CAR .169 -.186 -.020 1.000 -.138 ROA .364 -.015 -.433 -.138 1.000 Covariances BOPO .043 .003 .004 .009 .103 NPL .003 .654 -.059 -.038 -.016 NIM .004 -.059 .555 -.004 -.438 CAR .009 -.038 -.004 .064 -.047 ROA .103 -.016 -.438 -.047 1.837 a. Dependent Variable: LDRREGRESI Variables Entered/Removed
b Model Variables Entered
Variables Removed Method
1 LnBOPO, LnNPL, LnNIM, LnCAR, LnROA a . Enter a. All requested variables entered.
b. Dependent Variable: LnLDR Model Summary
Model R R Square Adjusted R Square
Std. Error of the Estimate 1 .467 a
.218 .186 .25473
a. Predictors: (Constant), LnBOPO, LnNPL, LnNIM, LnCAR, LnROA ANOVA b Model Sum of Squares Df Mean Square F Sig.
1 Regression 2.238 5 .448 6.898 .000
a
Residual 8.046 124 .065 Total 10.284 129
a. Predictors: (Constant), LnBOPO, LnNPL, LnNIM, LnCAR, LnROA
b. Dependent Variable: LnLDR
Coefficients a
Koefisien Korelasi Coefficient Correlations a
b Model Variables Entered
a. Predictors: (Constant), LnBOPO, LnNPL, LnNIM, LnCAR, LnROA
Std. Error of the Estimate 1 .467 a
.218 .186 .25473
Model R R Square Adjusted R Square
b. Dependent Variable: LnLDR Model Summary
1 LnBOPO, LnNPL, LnNIM, LnCAR, LnROA a . Enter a. All requested variables entered.
Variables Removed Method
a. Dependent Variable: LDR
Model Unstandardized
Covariances BOPO .043 .003 .004 .009 .103 NPL .003 .654 -.059 -.038 -.016 NIM .004 -.059 .555 -.004 -.438 CAR .009 -.038 -.004 .064 -.047 ROA .103 -.016 -.438 -.047 1.837
1 Correlations BOPO 1.000 .016 .028 .169 .364 NPL .016 1.000 -.097 -.186 -.015 NIM .028 -.097 1.000 -.020 -.433 CAR .169 -.186 -.020 1.000 -.138 ROA .364 -.015 -.433 -.138 1.000
Model BOPO NPL NIM CAR ROA
a. Dependent Variable: LnLDR
1 (Constant) 2.486 1.093 2.274 .025 LnROA .172 .085 .210 2.027 .045 LnCAR -.275 .081 -.286 -3.397 .001 LnNPL -.035 .022 -.126 -1.571 .119 LnNIM .306 .110 .257 2.770 .006 LnBOPO .400 .225 .165 1.779 .078
Coefficients t Sig. B Std. Error Beta
Coefficients Standardized
REGRESI Variables Entered/Removed
ANOVA b Model Sum of Squares Df Mean Square F Sig.
1 Regression 2.238 5 .448 6.898 .000
a
Residual 8.046 124 .065 Total 10.284 129
a. Predictors: (Constant), LnBOPO, LnNPL, LnNIM, LnCAR, LnROA
b. Dependent Variable: LnLDR
Coefficients a
Model Unstandardized Coefficients Standardized
Coefficients t Sig. B Std. Error Beta
1 (Constant) 2.486 1.093 2.274 .025 LnROA .172 .085 .210 2.027 .045 LnCAR -.275 .081 -.286 -3.397 .001 LnNPL -.035 .022 -.126 -1.571 .119 LnNIM .306 .110 .257 2.770 .006 LnBOPO .400 .225 .165 1.779 .078