Analisis Hubungan Antara Marjin Bunga Bersih dan Pendapatan Non Bunga dengan Menggunakan Model Persamaan Simultan pada Bank Go Public
LAMPIRAN 1
Data Hasil Olahan Populasi
No.
Kode
Bank
1.
AGRO
2.
Nama Bank
Kriteria
1
Kriteria
2
Sampel
terpilih
Bank Rakyat Indonesia Agro Niaga Tbk
✓
✓
✓
AGRS
Bank Agris Tbk
X
✓
X
3.
BABP
Bank MNC Internasional Tbk
✓
✓
✓
4.
BACA
Bank Capital Indonesia Tbk
✓
✓
✓
5.
BBCA
Bank Central Asia Tbk
✓
✓
✓
6.
BBHI
Bank Harda Internasional Tbk
X
✓
X
7.
BBKP
Bank Bukopin Tbk
✓
✓
✓
8.
BBMD
Bank Mestika Dharma Tbk
X
✓
X
9.
BBNI
Bank Negara Indonesia (Persero) Tbk
✓
✓
✓
10.
BBNP
Bank Nusantara Parahyangan Tbk
✓
✓
✓
11.
BBRI
Bank Rakyat Indonesia (Persero) Tbk
✓
✓
✓
12.
BBTN
Bank Tabungan Negara (Persero) Tbk
✓
✓
✓
13.
BBYB
Bank Yudha Bakti Tbk
X
✓
X
14.
BCIC
Bank Mutiara Tbk
✓
✓
✓
15.
BDMN
Bank Danamon Indonesia Tbk
✓
✓
✓
16.
BEKS
Bank Pundi Indonesia Tbk
✓
✓
✓
17.
BINA
Bank Ina Perdana Tbk
X
✓
X
18.
BJBR
Bank Jabar Banten Tbk
X
✓
X
19.
BJTM
Bank Pembangunan Daerah Jawa Timur Tbk
X
✓
X
20.
BKSW
Bank Kesawan Tbk
✓
✓
✓
74
Universitas Sumatera Utara
21.
BMAS
Bank Maspion Indonesia Tbk
X
✓
X
22.
BMRI
Bank Mandiri (Persero) Tbk
✓
✓
✓
23.
BNBA
Bank Bumi Arta Tbk
✓
✓
✓
24.
BNGA
Bank CIMB Niaga Tbk
✓
✓
✓
25.
BNII
Bank Internasional Indonesia Tbk
✓
✓
✓
26.
BNLI
Bank Permata Tbk
✓
✓
✓
27.
BSIM
Bank Sinar Mas Tbk
X
✓
X
28.
BSWD
Bank Swadesi Tbk
✓
✓
✓
29.
BTPN
Bank Tabungan Pensiunan Nasional Tbk
✓
✓
✓
30.
BVIC
Bank Victoria Internasional Tbk
✓
✓
✓
31.
DNAR
Bank Dinar Indonesia Tbk
X
✓
X
32.
INPC
Bank Artha Graha Internasional Tbk
✓
✓
✓
33.
MAYA
Bank Mayapada Internasional Tbk
✓
✓
✓
34.
MCOR
Bank Windu Kentjana International Tbk
✓
✓
✓
35.
MEGA
Bank Mega Tbk
✓
✓
✓
36.
NAGA
Bank Mitraniaga Tbk
X
✓
X
37.
NISP
Bank NISP OCBC Tbk
✓
✓
✓
38.
NOBU
Bank Nationalnobu Tbk
X
✓
X
39.
PNBN
Bank Pan Indonesia Tbk
✓
✓
✓
40.
PNBS
Bank Pan Indonesia Syariah Tbk
X
✓
X
41.
SDRA
Bank Woori Saudara Indonesia 1906 Tbk
✓
✓
✓
Total bank yang terpilih menjadi sampel
28 bank
75
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LAMPIRAN 2
Hasil Eviews Statistik Deskriptif
Mean
Median
Maximum
Minimum
Std. Dev.
Skewness
Kurtosis
CR
0.026897
0.020500
0.509600
0.002100
0.045082
9.255455
98.93874
NII
0.514396
0.528864
1.271149
0.006000
0.262206
-0.079696
2.552827
NIM
0.071559
0.053800
0.351000
0.011300
0.042284
10.55485
118.0790
ROA
1.698820
1.662146
4.559570
-10.64995
1.616965
-3.409742
26.97975
ROE
0.163343
0.148400
0.844400
-0.089600
0.111870
2.108226
12.45573
SIZE
17.36262
17.64214
20.47226
14.26124
1.702647
0.049588
1.755029
Jarque-Bera
Probability
53701.29
0.000000
1.267703
0.530544
76999.53
0.000000
3496.128
0.000000
602.9398
0.000000
8.773807
0.012439
Sum
Sum Sq. Dev.
3.631100
0.272340
69.44350
9.212755
9.660500
2.712806
229.3407
350.3533
22.05130
1.676986
2343.953
388.4668
Observations
135
135
135
135
135
135
76
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LAMPIRAN 3
Hasil Eviews Uji Hausman Test
Dependent Variable: NIM
Method: Panel Least Squares
Date: 04/09/16 Time: 14:48
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROA
RES
1.050282
-0.106355
1.011632
0.034052
-1.475284
0.428362
0.045397
0.504687
0.012244
0.727969
2.451855
-2.342750
2.004474
2.781247
-2.026575
0.0155
0.0207
0.0471
0.0062
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.168175
0.135934
0.132261
2.256579
84.61447
5.216148
0.000215
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.071559
0.142284
-1.164659
-1.035536
-1.112187
2.171728
77
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LAMPIRAN 4
Hasil Eviews Two Stage Least Square (2SLS) Net Interest Margin
Dependent Variable: NIM
Method: Panel Two-Stage Least Squares
Date: 04/09/16 Time: 15:25
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Instrument specification: C SIZE CR ROA ROE
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROA
NII
1.050282
0.106355
1.011632
0.034052
1.521819
1.245357
0.131982
1.467253
0.035595
2.111903
0.843358
-0.805830
0.689474
0.956659
0.720591
0.0000
0.0418
0.0327
0.0000
0.4725
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
-6.085177
-6.303182
0.384515
6.280661
0.000000
5
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.071559
0.142284
19.22071
0.627667
2.273458
78
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LAMPIRAN 5
Hasil Eviews Two Stage Least Square (2SLS) Non Interest Income
Dependent Variable: NII
Method: Panel Two-Stage Least Squares
Date: 04/09/16 Time: 16:03
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Instrument specification: C SIZE CR ROA ROE
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROE
NIM
-0.632772
0.066119
0.580519
-0.161288
0.138323
0.245379
0.014700
0.858271
0.256567
0.573482
-2.578750
4.498005
0.676382
-0.628637
0.241199
0.0110
0.0000
0.5000
0.0007
0.0098
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.160130
0.134288
0.243966
5.914258
0.000000
5
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.514396
0.262206
7.737516
0.366909
7.794360
79
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LAMPIRAN 6
Tabel Pengolahan Data Skripisi
Model Persamaan Simultan antara Marjin Bunga Bersih dan Pendapatan Non
Bunga pada Bank yang Terdaftar di BEI
Periode 2008-2014
Kode
Bank
AGRO
AGRO
AGRO
AGRO
AGRO
BABP
BABP
BABP
BABP
BABP
BACA
BACA
BACA
BACA
BACA
BBCA
BBCA
BBCA
BBCA
BBCA
BBKP
BBKP
BBKP
BBKP
BBKP
BBNI
BBNI
BBNI
BBNI
BBNI
BBNP
BBNP
Tahun
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
NIM
0.0572
0.0454
0.0600
0.0531
0.0462
0.0619
0.0543
0.0544
0.0484
0.0343
0.0395
0.0362
0.0466
0.0467
0.0396
0.0530
0.0570
0.0560
0.0620
0.0650
0.0475
0.0455
0.0456
0.0382
0.0370
0.0578
0.0603
0.0593
0.0611
0.0620
0.0491
0.0499
NII
0.8067
0.2475
0.1333
0.1504
0.2438
0.4297
0.3618
0.3365
0.2520
0.2036
0.2108
0.0630
0.0475
0.1291
0.1114
0.5434
0.6316
0.7365
0.6383
0.6618
0.7619
0.7183
0.7644
0.7097
0.7074
0.5261
0.4861
0.5146
0.5913
0.6069
0.3942
0.3663
SIZE
14.93302
15.06287
15.21179
15.44946
15.66949
15.97421
15.80336
15.82155
15.91547
16.05943
15.29698
15.36200
15.55003
15.78112
16.04033
19.58998
19.74842
19.89498
20.00685
20.11075
17.64214
17.82179
17.95489
18.00796
18.12990
19.29861
19.48025
19.58861
19.73095
19.79051
15.47986
15.69843
CR
0.0745
0.0355
0.0368
0.0227
0.0202
0.0434
0.0625
0.0578
0.0488
0.0588
0.0103
0.0081
0.0211
0.0037
0.0034
0.0360
0.0049
0.0038
0.0044
0.0060
0.0325
0.0283
0.0278
0.0243
0.0277
0.0428
0.0361
0.0281
0.0216
0.0196
0.0067
0.0088
ROA
0.63
1.29
1.27
1.40
1.34
0.45
-1.96
0.08
0.81
-0.74
0.66
0.73
1.10
1.31
1.07
3.14
3.49
3.37
3.61
3.66
1.42
1.68
1.64
1.75
1.24
2.27
2.56
2.67
2.98
3.33
1.29
1.40
ROE
0.0416
0.1137
0.1026
0.0889
0.0736
0.0533
-0.0896
0.0026
0.1628
0.0669
0.0511
0.0519
0.0846
0.1096
0.0893
0.3330
0.3350
0.3040
0.2820
0.2550
0.1902
0.2010
0.1947
0.1909
0.1250
0.2470
0.2010
0.2000
0.2350
0.2364
0.1238
0.1282
80
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BBNP
BBNP
BBNP
BBRI
BBRI
BBRI
BBRI
BBRI
BBTN
BBTN
BBTN
BBTN
BBTN
BDMN
BDMN
BDMN
BDMN
BDMN
BEKS
BEKS
BEKS
BEKS
BEKS
BKSW
BKSW
BKSW
BKSW
BKSW
BMRI
BMRI
BMRI
BMRI
BMRI
hrBNBA
BNBA
BNBA
BNBA
BNBA
BNGA
BNGA
BNGA
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
0.0556
0.0516
0.0469
0.1077
0.0958
0.0842
0.0855
0.0851
0.0599
0.0576
0.0583
0.0544
0.0447
0.0113
0.0990
0.1010
0.0960
0.0840
0.3510
0.0820
0.1664
0.1304
0.0965
0.0513
0.0534
0.0463
0.0820
0.0280
0.0539
0.0529
0.0558
0.0568
0.0594
0.0610
0.0656
0.0713
0.0616
0.0581
0.0646
0.0563
0.0587
0.4796
0.3949
0.4655
0.5073
0.5832
0.4684
0.5824
0.6530
0.5018
0.6383
0.6222
0.5142
0.5241
0.9294
0.9891
0.9741
0.9696
1.0187
0.4782
0.4990
0.6325
0.8268
0.9071
0.1489
0.5699
0.1662
0.6096
0.8341
0.6260
0.5707
0.6384
0.6074
0.6381
0.7999
0.5674
0.4280
0.5120
0.5180
0.7040
0.6591
0.6008
15.92113
16.11667
16.06352
19.80295
19.93917
20.09817
20.22300
20.47226
18.04067
18.30551
18.53176
18.69200
18.78932
18.55052
18.66114
18.68669
18.83953
18.91076
14.26124
15.60611
15.85451
16.01308
16.01762
14.76714
15.09473
15.35123
16.21773
16.85234
19.82635
20.00809
20.14898
20.28979
20.44493
14.79423
14.90176
15.06355
15.21316
15.45556
18.77705
18.91622
19.07619
0.0097
0.0092
0.0186
0.0278
0.0230
0.0097
0.0155
0.0169
0.0317
0.0270
0.0422
0.0430
0.0419
0.0325
0.0271
0.0267
0.0203
0.0247
0.5096
0.0912
0.0995
0.0675
0.0694
0.0208
0.0156
0.0073
0.0023
0.0031
0.0200
0.0200
0.0100
0.0100
0.0100
0.0225
0.0107
0.0063
0.0021
0.0025
0.0253
0.0264
0.0229
1.40
1.42
1.38
3.74
4.10
4.42
4.56
3.95
1.83
1.71
1.66
1.63
1.07
2.09
2.40
3.10
2.42
3.01
-10.65
-2.86
0.89
1.14
-1.64
0.16
0.43
-0.74
0.05
0.78
3.20
2.99
3.21
3.34
3.19
1.42
1.92
2.22
1.95
1.37
2.29
2.58
2.88
0.1937
0.1216
0.0909
0.4383
0.4249
0.3866
0.3411
0.3122
0.1656
0.1765
0.1823
0.1605
0.1066
0.1810
0.1720
0.1620
0.1450
0.0860
0.8444
0.5055
0.0952
0.1444
0.1631
0.0077
0.0072
0.0338
0.0029
0.0654
0.3309
0.2557
0.2723
0.2731
0.2581
0.0839
0.1194
0.1484
0.1315
0.1134
0.2088
0.1989
0.2088
81
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BNGA
BNGA
BNNI
BNNI
BNNI
BNNI
BNNI
BNLI
BNLI
BNLI
BNLI
BNLI
BSWD
BSWD
BSWD
BSWD
BSWD
BTPN
BTPN
BTPN
BTPN
BTPN
BVIC
BVIC
BVIC
BVIC
BVIC
INPC
INPC
INPC
INPC
INPC
MAYA
MAYA
MAYA
MAYA
MAYA
MCOR
MCOR
MCOR
MCOR
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
0.0281
0.0286
0.0586
0.0522
0.0570
0.0494
0.0476
0.0539
0.0513
0.0503
0.0422
0.0363
0.0582
0.0639
0.0512
0.0592
0.0420
0.1400
0.1300
0.1310
0.1270
0.1140
0.0177
0.0186
0.0312
0.0233
0.0188
0.0397
0.0355
0.0422
0.0531
0.0475
0.0625
0.0584
0.0600
0.0575
0.0452
0.0461
0.0462
0.0518
0.0487
0.6400
0.6692
0.8461
0.7670
0.7299
0.7134
0.8013
0.7060
0.7087
0.7323
0.7566
0.5138
0.7063
0.5451
0.5757
0.4323
0.5160
0.5705
0.5289
0.4491
0.2786
0.3525
0.0060
0.0232
0.0659
0.0463
0.0429
0.2409
0.1439
0.3190
0.3031
0.2577
0.1227
0.0377
0.0256
0.0494
0.0921
0.2085
0.3979
0.8467
0.8412
19.16939
19.24006
18.08695
18.32352
18.52649
18.71667
18.72257
18.08695
18.43591
18.69930
18.92474
19.03636
14.26680
14.54808
14.74797
15.09682
15.46401
17.35712
17.65821
17.89457
18.05921
18.09026
16.12870
16.24057
16.42307
16.70608
16.81815
16.65243
16.76966
16.83880
16.86897
16.97052
16.12827
16.37670
16.65847
16.99421
17.40384
15.28671
15.68002
15.68658
15.88455
0.0223
0.0390
0.0315
0.0207
0.0170
0.0211
0.0223
0.0265
0.0204
0.0137
0.0104
0.0170
0.0355
0.0198
0.0140
0.0159
0.0178
0.0114
0.0072
0.0058
0.0067
0.0070
0.0504
0.0238
0.0230
0.0070
0.0352
0.0200
0.0185
0.0080
0.0176
0.0169
0.0327
0.0257
0.0302
0.0104
0.0146
0.0208
0.0317
0.0198
0.0169
2.66
1.53
0.91
0.98
1.32
1.35
0.41
1.79
1.44
1.45
1.39
1.11
3.06
3.10
2.91
3.04
2.73
3.27
3.82
4.21
4.12
3.40
1.29
2.06
1.86
1.71
0.74
0.69
0.66
0.68
1.39
0.76
1.05
1.78
2.05
2.12
1.60
0.87
0.75
1.97
1.50
0.1550
0.0920
0.0681
0.0916
0.1579
0.1618
0.0602
0.2280
0.1587
0.1754
0.1568
0.1754
0.1169
0.1526
0.1682
0.2203
0.2313
0.3640
0.3180
0.0360
0.0450
0.0470
0.1841
0.2491
0.1648
0.1672
0.0762
0.0879
0.0879
0.1314
0.1159
0.0580
0.0728
0.1153
0.1767
0.2285
0.2096
0.0724
0.0694
0.1591
0.1070
82
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MCOR
MEGA
MEGA
MEGA
MEGA
MEGA
NISP
NISP
NISP
NISP
NISP
PNBN
PNBN
PNBN
PNBN
PNBN
SDRA
SDRA
SDRA
SDRA
SDRA
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
0.0376
0.0488
0.0540
0.0645
0.0538
0.0527
0.0504
0.0480
0.0417
0.0411
0.0415
0.0459
0.0464
0.0419
0.0409
0.0383
0.1024
0.0914
0.0828
0.0719
0.0189
0.8940
0.5674
0.6547
0.9113
1.2711
0.9664
0.6896
0.6770
0.6145
0.6843
0.9129
0.1963
0.1861
0.3178
0.4628
0.2825
0.5004
0.3916
0.4670
0.3203
0.4219
16.09479
17.76153
17.94726
18.00757
18.01285
18.01588
17.61043
17.90709
18.18675
18.39561
18.45143
18.47818
18.58841
18.76746
18.85330
18.88463
14.99286
15.44196
15.84646
15.92340
16.61479
0.0271
0.0090
0.0098
0.0209
0.0217
0.0209
0.0199
0.0126
0.0091
0.0073
0.0134
0.0437
0.0356
0.0169
0.0213
0.0205
0.0178
0.0165
0.0199
0.0264
0.0251
0.73
2.01
1.91
2.37
0.95
1.05
1.27
1.68
1.54
1.57
1.72
1.47
1.86
1.78
1.74
1.74
2.51
2.40
2.10
3.31
1.15
0.0528
0.2720
0.2674
0.2744
0.0965
0.1005
0.0812
0.1290
0.1222
0.1187
0.0968
0.1162
0.1472
0.1537
0.1456
0.1309
0.1745
0.2336
0.0969
0.1395
0.0835
83
Universitas Sumatera Utara
Data Hasil Olahan Populasi
No.
Kode
Bank
1.
AGRO
2.
Nama Bank
Kriteria
1
Kriteria
2
Sampel
terpilih
Bank Rakyat Indonesia Agro Niaga Tbk
✓
✓
✓
AGRS
Bank Agris Tbk
X
✓
X
3.
BABP
Bank MNC Internasional Tbk
✓
✓
✓
4.
BACA
Bank Capital Indonesia Tbk
✓
✓
✓
5.
BBCA
Bank Central Asia Tbk
✓
✓
✓
6.
BBHI
Bank Harda Internasional Tbk
X
✓
X
7.
BBKP
Bank Bukopin Tbk
✓
✓
✓
8.
BBMD
Bank Mestika Dharma Tbk
X
✓
X
9.
BBNI
Bank Negara Indonesia (Persero) Tbk
✓
✓
✓
10.
BBNP
Bank Nusantara Parahyangan Tbk
✓
✓
✓
11.
BBRI
Bank Rakyat Indonesia (Persero) Tbk
✓
✓
✓
12.
BBTN
Bank Tabungan Negara (Persero) Tbk
✓
✓
✓
13.
BBYB
Bank Yudha Bakti Tbk
X
✓
X
14.
BCIC
Bank Mutiara Tbk
✓
✓
✓
15.
BDMN
Bank Danamon Indonesia Tbk
✓
✓
✓
16.
BEKS
Bank Pundi Indonesia Tbk
✓
✓
✓
17.
BINA
Bank Ina Perdana Tbk
X
✓
X
18.
BJBR
Bank Jabar Banten Tbk
X
✓
X
19.
BJTM
Bank Pembangunan Daerah Jawa Timur Tbk
X
✓
X
20.
BKSW
Bank Kesawan Tbk
✓
✓
✓
74
Universitas Sumatera Utara
21.
BMAS
Bank Maspion Indonesia Tbk
X
✓
X
22.
BMRI
Bank Mandiri (Persero) Tbk
✓
✓
✓
23.
BNBA
Bank Bumi Arta Tbk
✓
✓
✓
24.
BNGA
Bank CIMB Niaga Tbk
✓
✓
✓
25.
BNII
Bank Internasional Indonesia Tbk
✓
✓
✓
26.
BNLI
Bank Permata Tbk
✓
✓
✓
27.
BSIM
Bank Sinar Mas Tbk
X
✓
X
28.
BSWD
Bank Swadesi Tbk
✓
✓
✓
29.
BTPN
Bank Tabungan Pensiunan Nasional Tbk
✓
✓
✓
30.
BVIC
Bank Victoria Internasional Tbk
✓
✓
✓
31.
DNAR
Bank Dinar Indonesia Tbk
X
✓
X
32.
INPC
Bank Artha Graha Internasional Tbk
✓
✓
✓
33.
MAYA
Bank Mayapada Internasional Tbk
✓
✓
✓
34.
MCOR
Bank Windu Kentjana International Tbk
✓
✓
✓
35.
MEGA
Bank Mega Tbk
✓
✓
✓
36.
NAGA
Bank Mitraniaga Tbk
X
✓
X
37.
NISP
Bank NISP OCBC Tbk
✓
✓
✓
38.
NOBU
Bank Nationalnobu Tbk
X
✓
X
39.
PNBN
Bank Pan Indonesia Tbk
✓
✓
✓
40.
PNBS
Bank Pan Indonesia Syariah Tbk
X
✓
X
41.
SDRA
Bank Woori Saudara Indonesia 1906 Tbk
✓
✓
✓
Total bank yang terpilih menjadi sampel
28 bank
75
Universitas Sumatera Utara
LAMPIRAN 2
Hasil Eviews Statistik Deskriptif
Mean
Median
Maximum
Minimum
Std. Dev.
Skewness
Kurtosis
CR
0.026897
0.020500
0.509600
0.002100
0.045082
9.255455
98.93874
NII
0.514396
0.528864
1.271149
0.006000
0.262206
-0.079696
2.552827
NIM
0.071559
0.053800
0.351000
0.011300
0.042284
10.55485
118.0790
ROA
1.698820
1.662146
4.559570
-10.64995
1.616965
-3.409742
26.97975
ROE
0.163343
0.148400
0.844400
-0.089600
0.111870
2.108226
12.45573
SIZE
17.36262
17.64214
20.47226
14.26124
1.702647
0.049588
1.755029
Jarque-Bera
Probability
53701.29
0.000000
1.267703
0.530544
76999.53
0.000000
3496.128
0.000000
602.9398
0.000000
8.773807
0.012439
Sum
Sum Sq. Dev.
3.631100
0.272340
69.44350
9.212755
9.660500
2.712806
229.3407
350.3533
22.05130
1.676986
2343.953
388.4668
Observations
135
135
135
135
135
135
76
Universitas Sumatera Utara
LAMPIRAN 3
Hasil Eviews Uji Hausman Test
Dependent Variable: NIM
Method: Panel Least Squares
Date: 04/09/16 Time: 14:48
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROA
RES
1.050282
-0.106355
1.011632
0.034052
-1.475284
0.428362
0.045397
0.504687
0.012244
0.727969
2.451855
-2.342750
2.004474
2.781247
-2.026575
0.0155
0.0207
0.0471
0.0062
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.168175
0.135934
0.132261
2.256579
84.61447
5.216148
0.000215
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.071559
0.142284
-1.164659
-1.035536
-1.112187
2.171728
77
Universitas Sumatera Utara
LAMPIRAN 4
Hasil Eviews Two Stage Least Square (2SLS) Net Interest Margin
Dependent Variable: NIM
Method: Panel Two-Stage Least Squares
Date: 04/09/16 Time: 15:25
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Instrument specification: C SIZE CR ROA ROE
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROA
NII
1.050282
0.106355
1.011632
0.034052
1.521819
1.245357
0.131982
1.467253
0.035595
2.111903
0.843358
-0.805830
0.689474
0.956659
0.720591
0.0000
0.0418
0.0327
0.0000
0.4725
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
-6.085177
-6.303182
0.384515
6.280661
0.000000
5
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.071559
0.142284
19.22071
0.627667
2.273458
78
Universitas Sumatera Utara
LAMPIRAN 5
Hasil Eviews Two Stage Least Square (2SLS) Non Interest Income
Dependent Variable: NII
Method: Panel Two-Stage Least Squares
Date: 04/09/16 Time: 16:03
Sample: 2010 2014
Periods included: 5
Cross-sections included: 27
Total panel (balanced) observations: 135
Instrument specification: C SIZE CR ROA ROE
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
SIZE
CR
ROE
NIM
-0.632772
0.066119
0.580519
-0.161288
0.138323
0.245379
0.014700
0.858271
0.256567
0.573482
-2.578750
4.498005
0.676382
-0.628637
0.241199
0.0110
0.0000
0.5000
0.0007
0.0098
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.160130
0.134288
0.243966
5.914258
0.000000
5
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.514396
0.262206
7.737516
0.366909
7.794360
79
Universitas Sumatera Utara
LAMPIRAN 6
Tabel Pengolahan Data Skripisi
Model Persamaan Simultan antara Marjin Bunga Bersih dan Pendapatan Non
Bunga pada Bank yang Terdaftar di BEI
Periode 2008-2014
Kode
Bank
AGRO
AGRO
AGRO
AGRO
AGRO
BABP
BABP
BABP
BABP
BABP
BACA
BACA
BACA
BACA
BACA
BBCA
BBCA
BBCA
BBCA
BBCA
BBKP
BBKP
BBKP
BBKP
BBKP
BBNI
BBNI
BBNI
BBNI
BBNI
BBNP
BBNP
Tahun
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
NIM
0.0572
0.0454
0.0600
0.0531
0.0462
0.0619
0.0543
0.0544
0.0484
0.0343
0.0395
0.0362
0.0466
0.0467
0.0396
0.0530
0.0570
0.0560
0.0620
0.0650
0.0475
0.0455
0.0456
0.0382
0.0370
0.0578
0.0603
0.0593
0.0611
0.0620
0.0491
0.0499
NII
0.8067
0.2475
0.1333
0.1504
0.2438
0.4297
0.3618
0.3365
0.2520
0.2036
0.2108
0.0630
0.0475
0.1291
0.1114
0.5434
0.6316
0.7365
0.6383
0.6618
0.7619
0.7183
0.7644
0.7097
0.7074
0.5261
0.4861
0.5146
0.5913
0.6069
0.3942
0.3663
SIZE
14.93302
15.06287
15.21179
15.44946
15.66949
15.97421
15.80336
15.82155
15.91547
16.05943
15.29698
15.36200
15.55003
15.78112
16.04033
19.58998
19.74842
19.89498
20.00685
20.11075
17.64214
17.82179
17.95489
18.00796
18.12990
19.29861
19.48025
19.58861
19.73095
19.79051
15.47986
15.69843
CR
0.0745
0.0355
0.0368
0.0227
0.0202
0.0434
0.0625
0.0578
0.0488
0.0588
0.0103
0.0081
0.0211
0.0037
0.0034
0.0360
0.0049
0.0038
0.0044
0.0060
0.0325
0.0283
0.0278
0.0243
0.0277
0.0428
0.0361
0.0281
0.0216
0.0196
0.0067
0.0088
ROA
0.63
1.29
1.27
1.40
1.34
0.45
-1.96
0.08
0.81
-0.74
0.66
0.73
1.10
1.31
1.07
3.14
3.49
3.37
3.61
3.66
1.42
1.68
1.64
1.75
1.24
2.27
2.56
2.67
2.98
3.33
1.29
1.40
ROE
0.0416
0.1137
0.1026
0.0889
0.0736
0.0533
-0.0896
0.0026
0.1628
0.0669
0.0511
0.0519
0.0846
0.1096
0.0893
0.3330
0.3350
0.3040
0.2820
0.2550
0.1902
0.2010
0.1947
0.1909
0.1250
0.2470
0.2010
0.2000
0.2350
0.2364
0.1238
0.1282
80
Universitas Sumatera Utara
BBNP
BBNP
BBNP
BBRI
BBRI
BBRI
BBRI
BBRI
BBTN
BBTN
BBTN
BBTN
BBTN
BDMN
BDMN
BDMN
BDMN
BDMN
BEKS
BEKS
BEKS
BEKS
BEKS
BKSW
BKSW
BKSW
BKSW
BKSW
BMRI
BMRI
BMRI
BMRI
BMRI
hrBNBA
BNBA
BNBA
BNBA
BNBA
BNGA
BNGA
BNGA
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
0.0556
0.0516
0.0469
0.1077
0.0958
0.0842
0.0855
0.0851
0.0599
0.0576
0.0583
0.0544
0.0447
0.0113
0.0990
0.1010
0.0960
0.0840
0.3510
0.0820
0.1664
0.1304
0.0965
0.0513
0.0534
0.0463
0.0820
0.0280
0.0539
0.0529
0.0558
0.0568
0.0594
0.0610
0.0656
0.0713
0.0616
0.0581
0.0646
0.0563
0.0587
0.4796
0.3949
0.4655
0.5073
0.5832
0.4684
0.5824
0.6530
0.5018
0.6383
0.6222
0.5142
0.5241
0.9294
0.9891
0.9741
0.9696
1.0187
0.4782
0.4990
0.6325
0.8268
0.9071
0.1489
0.5699
0.1662
0.6096
0.8341
0.6260
0.5707
0.6384
0.6074
0.6381
0.7999
0.5674
0.4280
0.5120
0.5180
0.7040
0.6591
0.6008
15.92113
16.11667
16.06352
19.80295
19.93917
20.09817
20.22300
20.47226
18.04067
18.30551
18.53176
18.69200
18.78932
18.55052
18.66114
18.68669
18.83953
18.91076
14.26124
15.60611
15.85451
16.01308
16.01762
14.76714
15.09473
15.35123
16.21773
16.85234
19.82635
20.00809
20.14898
20.28979
20.44493
14.79423
14.90176
15.06355
15.21316
15.45556
18.77705
18.91622
19.07619
0.0097
0.0092
0.0186
0.0278
0.0230
0.0097
0.0155
0.0169
0.0317
0.0270
0.0422
0.0430
0.0419
0.0325
0.0271
0.0267
0.0203
0.0247
0.5096
0.0912
0.0995
0.0675
0.0694
0.0208
0.0156
0.0073
0.0023
0.0031
0.0200
0.0200
0.0100
0.0100
0.0100
0.0225
0.0107
0.0063
0.0021
0.0025
0.0253
0.0264
0.0229
1.40
1.42
1.38
3.74
4.10
4.42
4.56
3.95
1.83
1.71
1.66
1.63
1.07
2.09
2.40
3.10
2.42
3.01
-10.65
-2.86
0.89
1.14
-1.64
0.16
0.43
-0.74
0.05
0.78
3.20
2.99
3.21
3.34
3.19
1.42
1.92
2.22
1.95
1.37
2.29
2.58
2.88
0.1937
0.1216
0.0909
0.4383
0.4249
0.3866
0.3411
0.3122
0.1656
0.1765
0.1823
0.1605
0.1066
0.1810
0.1720
0.1620
0.1450
0.0860
0.8444
0.5055
0.0952
0.1444
0.1631
0.0077
0.0072
0.0338
0.0029
0.0654
0.3309
0.2557
0.2723
0.2731
0.2581
0.0839
0.1194
0.1484
0.1315
0.1134
0.2088
0.1989
0.2088
81
Universitas Sumatera Utara
BNGA
BNGA
BNNI
BNNI
BNNI
BNNI
BNNI
BNLI
BNLI
BNLI
BNLI
BNLI
BSWD
BSWD
BSWD
BSWD
BSWD
BTPN
BTPN
BTPN
BTPN
BTPN
BVIC
BVIC
BVIC
BVIC
BVIC
INPC
INPC
INPC
INPC
INPC
MAYA
MAYA
MAYA
MAYA
MAYA
MCOR
MCOR
MCOR
MCOR
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
0.0281
0.0286
0.0586
0.0522
0.0570
0.0494
0.0476
0.0539
0.0513
0.0503
0.0422
0.0363
0.0582
0.0639
0.0512
0.0592
0.0420
0.1400
0.1300
0.1310
0.1270
0.1140
0.0177
0.0186
0.0312
0.0233
0.0188
0.0397
0.0355
0.0422
0.0531
0.0475
0.0625
0.0584
0.0600
0.0575
0.0452
0.0461
0.0462
0.0518
0.0487
0.6400
0.6692
0.8461
0.7670
0.7299
0.7134
0.8013
0.7060
0.7087
0.7323
0.7566
0.5138
0.7063
0.5451
0.5757
0.4323
0.5160
0.5705
0.5289
0.4491
0.2786
0.3525
0.0060
0.0232
0.0659
0.0463
0.0429
0.2409
0.1439
0.3190
0.3031
0.2577
0.1227
0.0377
0.0256
0.0494
0.0921
0.2085
0.3979
0.8467
0.8412
19.16939
19.24006
18.08695
18.32352
18.52649
18.71667
18.72257
18.08695
18.43591
18.69930
18.92474
19.03636
14.26680
14.54808
14.74797
15.09682
15.46401
17.35712
17.65821
17.89457
18.05921
18.09026
16.12870
16.24057
16.42307
16.70608
16.81815
16.65243
16.76966
16.83880
16.86897
16.97052
16.12827
16.37670
16.65847
16.99421
17.40384
15.28671
15.68002
15.68658
15.88455
0.0223
0.0390
0.0315
0.0207
0.0170
0.0211
0.0223
0.0265
0.0204
0.0137
0.0104
0.0170
0.0355
0.0198
0.0140
0.0159
0.0178
0.0114
0.0072
0.0058
0.0067
0.0070
0.0504
0.0238
0.0230
0.0070
0.0352
0.0200
0.0185
0.0080
0.0176
0.0169
0.0327
0.0257
0.0302
0.0104
0.0146
0.0208
0.0317
0.0198
0.0169
2.66
1.53
0.91
0.98
1.32
1.35
0.41
1.79
1.44
1.45
1.39
1.11
3.06
3.10
2.91
3.04
2.73
3.27
3.82
4.21
4.12
3.40
1.29
2.06
1.86
1.71
0.74
0.69
0.66
0.68
1.39
0.76
1.05
1.78
2.05
2.12
1.60
0.87
0.75
1.97
1.50
0.1550
0.0920
0.0681
0.0916
0.1579
0.1618
0.0602
0.2280
0.1587
0.1754
0.1568
0.1754
0.1169
0.1526
0.1682
0.2203
0.2313
0.3640
0.3180
0.0360
0.0450
0.0470
0.1841
0.2491
0.1648
0.1672
0.0762
0.0879
0.0879
0.1314
0.1159
0.0580
0.0728
0.1153
0.1767
0.2285
0.2096
0.0724
0.0694
0.1591
0.1070
82
Universitas Sumatera Utara
MCOR
MEGA
MEGA
MEGA
MEGA
MEGA
NISP
NISP
NISP
NISP
NISP
PNBN
PNBN
PNBN
PNBN
PNBN
SDRA
SDRA
SDRA
SDRA
SDRA
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
2010
2011
2012
2013
2014
0.0376
0.0488
0.0540
0.0645
0.0538
0.0527
0.0504
0.0480
0.0417
0.0411
0.0415
0.0459
0.0464
0.0419
0.0409
0.0383
0.1024
0.0914
0.0828
0.0719
0.0189
0.8940
0.5674
0.6547
0.9113
1.2711
0.9664
0.6896
0.6770
0.6145
0.6843
0.9129
0.1963
0.1861
0.3178
0.4628
0.2825
0.5004
0.3916
0.4670
0.3203
0.4219
16.09479
17.76153
17.94726
18.00757
18.01285
18.01588
17.61043
17.90709
18.18675
18.39561
18.45143
18.47818
18.58841
18.76746
18.85330
18.88463
14.99286
15.44196
15.84646
15.92340
16.61479
0.0271
0.0090
0.0098
0.0209
0.0217
0.0209
0.0199
0.0126
0.0091
0.0073
0.0134
0.0437
0.0356
0.0169
0.0213
0.0205
0.0178
0.0165
0.0199
0.0264
0.0251
0.73
2.01
1.91
2.37
0.95
1.05
1.27
1.68
1.54
1.57
1.72
1.47
1.86
1.78
1.74
1.74
2.51
2.40
2.10
3.31
1.15
0.0528
0.2720
0.2674
0.2744
0.0965
0.1005
0.0812
0.1290
0.1222
0.1187
0.0968
0.1162
0.1472
0.1537
0.1456
0.1309
0.1745
0.2336
0.0969
0.1395
0.0835
83
Universitas Sumatera Utara