Analisis CAMEL untuk Menilai Tingkat Kesehatan Bank pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2009 – 2011

  

LAMPIRAN

Lampiran 1

Daftar Perusahaan Perbankan yang Menjadi Sampel

NO. Nama Perusahaan

  14. Bank Int' l Indonesia Tbk  

  Sampel 8

  12. Bank Eksekutif Internasional Tbk

  X

   

  13. Bank Himpunan Saudara 1906 Tbk

    

  Sampel 9

  X

  10. Bank Danamon Indonesia Tbk    Sampel 7

  15. Bank Kesawan Tbk  

  X

  16. Bank Mandiri (Persero) Tbk   

  Sampel 10

  17. Bank Mayapada Internasional Tbk   

  Sampel 11

  18. Bank MEGA Tbk   

  11. Bank Ekonomi Raharja Tbk   

  9. Bank CIMB Niaga Tbk    Sampel 6

  Kriteria Penentuan Sampel Sampel

  Sampel 2

  1

  2

  3

  1. Bank Agroniaga Tbk   

  Sampel 1

  2. Bank Artha Graha Internasional Tbk

    

  3. Bank Bukopin Tbk    Sampel 3

   

  4. Bank Bumi Arta Tbk  

  X

  5. Bank Bumiputera Indonesia Tbk  

  X

  6. Bank Capital Indonesia Tbk    Sampel 4

  7. Bank Central Asia Tbk    Sampel 5

  8. Bank Century Tbk

  X

  Sampel 12

  19. Bank Negara Indonesia Tbk   

   

  X

   

  30. Bank Tabungan Negara Tbk

  X

   

  31. Bank Pundi Indonesia Tbk

  X

  32. Bank Jawa Barat dan Banten Tbk

  Sampel 20

  X

   

  33. Bank Sinamas Tbk

  X  

  34. Bank Of India Indonesia

  X

   

  29. Bank Mutiara Tbk

    

  Sampel 13

  24. Bank Rakyat Indonesia (Persero) Tbk

  20. Bank OCBC NISP Tbk   

  Sampel 14

  21. Bank Nusantara Parahyangan Tbk    Sampel 15

  22. Bank Pan Indonesia Tbk   

  Sampel 16

  23. Bank Permata Tbk  

  X

    

  28. Bank Windu Kentjana International Tbk

  Sampel 17

  25. Bank Swadesi Tbk

  X   26.

  Bank Tabungan Pensiunan Nasional Tbk

    

  Sampel 18

  27. Bank Victoria International Tbk   

  Sampel 19

  Sumber : www.idx.co.id, 2013

  Lampiran 2 Jadwal Penelitian Tahapan Penelitian 2013 Jan Feb Mar Apr Mei Juli Pengajuan Judul Penyelesaian Proposal Pengumpulan Data Pengolahan Data Bimbingan & Penyelesaian Ujian Komprehensif Lampiran 3

Data-data Variabel Penelitian

Capital Adequacy Ratio (CAR)

  NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 19.63% 14.42% 19.63% 2. Bank Artha Graha Internasional Tbk 13.77% 13.65% 13.77% 3. Bank Bukopin Tbk 14.36% 13.02% 14.36% 4. Bank Capital Indonesia Tbk 44.62% 29.29% 44.62% 5. Bank Central Asia Tbk 15.30% 13.50% 15.30% 6. Bank CIMB Niaga Tbk 13.88% 13.47% 13.88% 7. Bank Danamon Indonesia Tbk 20.70% 16.00% 20.70% 8. Bank Ekonomi Raharja Tbk 21.75% 19.05% 21.75% 9. Bank Himpunan Saudara 1906 Tbk 14.10% 23.00% 14.10%

  10. Bank Mandiri (Persero) Tbk 15.60% 15.70% 15.60% 11.

  Bank Mayapada Internasional Tbk 17.05% 20.40% 17.05% 12. Bank MEGA Tbk 18.01% 15.03% 18.01% 13. Bank Negara Indonesia Tbk 13.80% 18.60% 13.80% 14. Bank OCBC NISP Tbk 20.45% 17.63% 20.45% 15. Bank Nusantara Parahyangan Tbk 12.56% 12.76% 12.56% 16. Bank Pan Indonesia Tbk 21.76% 16.65% 21.79% 17. Bank Rakyat Indonesia (Persero) Tbk 13.20% 13.76% 13.20% 18. Bank Tabungan Pensiunan Nasional Tbk 18.50% 23.40% 18.50% 19. Bank Victoria International Tbk 16.92% 13.72% 16.92% 20. Bank Windu Kentjana International Tbk 16.88% 17.84% 16.88%

  Non Performing Loan (NPL) NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 4.48% 1.84% 0 % 2. Bank Artha Graha Internasional Tbk 2.83% 2.00% 1.85% 3. Bank Bukopin Tbk 2.81% 3.22% 2.88% 4. Bank Capital Indonesia Tbk 0.58% 1.03% 0.81% 5. Bank Central Asia Tbk 0.70% 0.60% 0.50% 6. Bank CIMB Niaga Tbk 3.06% 2.59% 2.64%

  7. Bank Danamon Indonesia Tbk 4.50% 3.00% 2.50% 8.

  Bank Ekonomi Raharja Tbk 1.11% 0.35% 0.74% 9. Bank Himpunan Saudara 1906 Tbk 1.29% 1.76% 2.06% 10. Bank Mandiri (Persero) Tbk 2.80% 4.70% 2.20% 11. Bank Mayapada Internasional Tbk 0.96% 3.27% 2.51% 12. Bank MEGA Tbk 1.70% 0.90% 0.98% 13. Bank Negara Indonesia Tbk 4.70% 4.30% 3.60% 14. Bank OCBC NISP Tbk 1.44% 0.94% 0.59% 15. Bank Nusantara Parahyangan Tbk 1.81% 0.63% 0.78% 16. Bank Pan Indonesia Tbk 3.16% 4.36% 3.56% 17. Bank Rakyat Indonesia (Persero) Tbk 3.52% 2.79% 2.32% 18. Bank Tabungan Pensiunan Nasional Tbk 0.50% 1.10% 0.70% 19. Bank Victoria International Tbk 3.00% 5.07% 2.60% 20. Bank Windu Kentjana International Tbk 2.11% 2.08% 2.18%

  

Net Profit Margin (NPM)

NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 0.52% 3.76% 12.61% 2. Bank Artha Graha Internasional Tbk 2.51% 5.33% 5.80% 3. Bank Bukopin Tbk 8.78% 11.33% 14.22%

  4. Bank Capital Indonesia Tbk 9.09% 6.55% 15.29% 5.

  Bank Central Asia Tbk 49.43% 30.26% 33.89% 6. Bank CIMB Niaga Tbk 12.22% 18.44% 19.02% 7. Bank Danamon Indonesia Tbk 8.26% 16.01% 15.65% 8. Bank Ekonomi Raharja Tbk 18.31% 18.02% 16.54% 9. Bank Himpunan Saudara 1906 Tbk 10.11% 12.90% 16.05% 10. Bank Mandiri (Persero) Tbk 18.79% 21.48% 24.32% 11. Bank Mayapada Internasional Tbk 4.39% 7.19% 13.10% 12. Bank MEGA Tbk 12.16% 19.97% 16.41% 13. Bank Negara Indonesia Tbk 10.46% 15.84% 21.17% 14. Bank OCBC NISP Tbk 11.28% 8.42% 15.56% 15. Bank Nusantara Parahyangan Tbk 7.11% 10.35% 10.69% 16. Bank Pan Indonesia Tbk 10.99% 13.18% 18.53% 17. Bank Rakyat Indonesia (Persero) Tbk 18.93% 22.87% 28.36% 18. Bank Tabungan Pensiunan Nasional Tbk 10.54% 14.58% 18.29% 19. Bank Victoria International Tbk 5.87% 10.28% 22.30% 20. Bank Windu Kentjana International Tbk 5.99% 7.31% 6.69%

  Net Interest Margin (NIM) NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 4.98% 5.03% 4.54% 2. Bank Artha Graha Internasional Tbk 3.83% 3.97% 3.55% 3. Bank Bukopin Tbk 4.07% 4.75% 4.55% 4. Bank Capital Indonesia Tbk 4.64% 3.95% 3.62% 5. Bank Central Asia Tbk 6.40% 5.30% 5.70% 6. Bank CIMB Niaga Tbk 6.78% 6.46% 5.63% 7. Bank Danamon Indonesia Tbk 1.12% 1.13% 9.80% 8. Bank Ekonomi Raharja Tbk 4.63% 4.09% 4.38% 9. Bank Himpunan Saudara 1906 Tbk 7.19% 10.24% 10.00% 10. Bank Mandiri (Persero) Tbk 5.00% 5.30% 5.10% 11. Bank Mayapada Internasional Tbk 6.74% 6.25% 5.84% 12. Bank MEGA Tbk 4.94% 4.88% 5.40% 13. Bank Negara Indonesia Tbk 6.00% 5.80% 6.00% 14. Bank OCBC NISP Tbk 5.35% 5.04% 4.80% 15. Bank Nusantara Parahyangan Tbk 3.69% 4.91% 4.99% 16. Bank Pan Indonesia Tbk 4.76% 4.59% 4.64% 17. Bank Rakyat Indonesia (Persero) Tbk 9.14% 10.77% 9.58% 18. Bank Tabungan Pensiunan Nasional Tbk 12.20% 14.00% 13.00%

  19. Bank Victoria International Tbk 2.38% 1.77% 1.86% 20.

  Bank Windu Kentjana International Tbk 4.48% 4.61% 4.62%

  

Biaya Operasional terhadap Pendapatan Operasional (BOPO)

NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 97.98% 95.97% 91.65% 2. Bank Artha Graha Internasional Tbk 96.24% 91.79% 96.68% 3. Bank Bukopin Tbk 81.94% 83.66% 82.10% 4. Bank Capital Indonesia Tbk 86.03% 91.75% 92.82% 5. Bank Central Asia Tbk 78.99% 77.11% 76.92% 6. Bank CIMB Niaga Tbk 82.98% 76.80% 76.10% 7. Bank Danamon Indonesia Tbk 51.60% 49.70% 54.10% 8. Bank Ekonomi Raharja Tbk 77.79% 76.32% 81.00% 9. Bank Himpunan Saudara 1906 Tbk 85.35% 79.30% 80.70% 10. Bank Mandiri (Persero) Tbk 79.23% 71.43% 77.00% 11. Bank Mayapada Internasional Tbk 87.36% 86.22% 89.17% 12. Bank MEGA Tbk 85.91% 77.79% 81.84% 13. Bank Negara Indonesia Tbk 84.90% 76.00% 72.60% 14. Bank OCBC NISP Tbk 79.85% 83.25% 76.88% 15. Bank Nusantara Parahyangan Tbk 89.28% 85.17% 85.77%

  16. Bank Pan Indonesia Tbk 80.42% 82.50% 84.12% 17.

  Bank Rakyat Indonesia (Persero) Tbk 77.66% 70.86% 66.69% 18. Bank Tabungan Pensiunan Nasional Tbk 89.88% 84.78% 88.58% 19. Bank Victoria International Tbk 92.05% 88.21% 78.33% 20. Bank Windu Kentjana International Tbk 91.92% 91.21% 92.97%

  Loan to Deposit Ratio (LDR) NO. Nama Perusahaan Tahun 2009 2010 2011 1.

  Bank Agroniaga Tbk 80.99% 86.68% 65.79% 2. Bank Artha Graha Internasional Tbk 84.04% 76.13% 82.21% 3. Bank Bukopin Tbk 75.99% 71.85% 85.01% 4. Bank Capital Indonesia Tbk 49.65% 50.60% 44.24% 5. Bank Central Asia Tbk 50.30% 55.20% 61.70% 6. Bank CIMB Niaga Tbk 95.11% 88.04% 94.41% 7. Bank Danamon Indonesia Tbk 88.80% 93.80% 98.30% 8. Bank Ekonomi Raharja Tbk 45.54% 62.44% 70.06% 9. Bank Himpunan Saudara 1906 Tbk 94.94% 100.20% 91.33% 10. Bank Mandiri (Persero) Tbk 61.40% 59.20% 74.10% 11. Bank Mayapada Internasional Tbk 83.77% 78.38% 82.10% 12. Bank MEGA Tbk 56.82% 56.03% 63.75%

  13. Bank Negara Indonesia Tbk 64.10% 70.20% 70.40% 14.

  Bank OCBC NISP Tbk 73.26% 80.00% 87.04% 15. Bank Nusantara Parahyangan Tbk 73.64% 80.41% 84.92% 16. Bank Pan Indonesia Tbk 73.31% 74.22% 80.36% 17. Bank Rakyat Indonesia (Persero) Tbk 80.88% 75.17% 70.20% 18. Bank Tabungan Pensiunan Nasional Tbk 85.00% 91.00% 85.00% 19. Bank Victoria International Tbk 50.43% 40.22% 63.62% 20. Bank Windu Kentjana International Tbk 65.58% 81.29% 79.30%

  Lampiran 4

Statistik Deskriptif Variabel Penelitian

Descriptive Statistics

  Sumber: hasil output SPSS yang diolah N Minimum Maximum Mean Standard

  Deviation Skewness Kurtosis CAR

  60

  12.56 44.62 17.7767 6.06914 3.071 11.591 NPL 60 .00 5.07 2.1598 1.30708 .408 -.705 NPM 60 .52 33.89 13.5717 6.80127 .659 .570 NIM

  60

  1.12 14.00 5.6460 2.63713 1.301 2.008 BOPO

  60

  49.70 97.98 82.0533 9.82861 -1.288 2.773 LDR 60 40.22 100.20 73.9742 14.66153 -.408 -.545 TGKT_KES 60 .00 1.00 .9167 .27872 -3.093 7.826 Valid N

  (listwise)

  60

  Lampiran 5 Block 0: Beginning Block Iteration History (a,b,c) Coefficients

• 2 Log

  Iteration likelihood Constant

  Step 0

  1 37.428 1.667 2 34.553 2.232 3 34.421 2.387 4 34.420 2.398 5 34.420 2.398 a. Constant is included in the model.

  

c. Estimation terminated at iteration number

5 because parameter estimates changed by

less than .001.

  

Sumber: hasil output SPSS yang diolah

Lampiran 6 Block 1: Method = Enter Iteration History (a,b,c,d)

  Coefficients

• 2 Log NP

  Iteration likelihood Constant CAR NPL M NIM BOPO LDR

  Step 1

  1 28.928 .620 -.011 -.105 .043 .151 .022 -.024 2 17.451 2.946 -.026 -.296 .097 .360 .020 -.057 3 10.262 8.302 -.064 -.552 .163 .717 .000 -.112 4 5.807 16.648 -.117 -.823 .211 1.319 -.041 -.187 5 3.077 29.031 -.170 -1.219 .208 2.261 -.118 -.279

  6 1.350 45.483 -.194 -1.881 .173 3.611 -.234 -.391 7 .525 64.288 -.227 -2.643 .155 5.162 -.364 -.521 8 .201 83.805 -.286 -3.387 .153 6.758 -.495 -.658 9 .077 103.787 -.365 -4.109 .161 8.392 -.628 -.798

  10 .029 124.193 -.463 -4.807 .176 10.066 -.764 -.939 11 .011 144.934 -.581 -5.477 .198 11.777 -.903 -1.080 12 .004 165.893 -.715 -6.122 .225 13.519 -1.045 -1.220 13 .002 186.989 -.857 -6.756 .257 15.281 -1.188 -1.361 14 .001 208.186 -1.003 -7.390 .290 17.058 -1.331 -1.503 15 .000 229.463 -1.149 -8.029 .325 18.847 -1.475 -1.645 16 .000 250.796 -1.294 -8.674 .361 20.645 -1.619 -1.788 17 .000 272.161 -1.437 -9.322 .397 22.449 -1.763 -1.933 18 .000 293.529 -1.579 -9.974 .434 24.259 -1.907 -2.077 19 .000 314.875 -1.720 -10.629 .472 26.074 -2.052 -2.222 20 .000 336.174 -1.858 -11.285 .510 27.891 -2.196 -2.367

  a. Method: Enter b. Constant is included in the model.

  c. Initial -2 Log Likelihood: 34.420

  d. Estimation terminated at iteration number 20 because maximum iterations has been reached. Final solution cannot be found.

  Sumber: hasil output SPSS yang diolah

  Lampiran 7 Nilai Nagelkerke R Square Model Summary Cox &

• -2 Log Snell R Nagelkerke

  Step likelihood Square R Square _a 1 .000 .437 1.000

  a. Estimation terminated at iteration number 20 because maximum iterations has been reached. Final solution cannot be found.

   Sumber: hasil output SPSS yang diolah Lampiran 8 Uji Hosmer and Lemeshow’s Goodness of Fit Test Hosmer and Lemeshow Test

  Chi- Step square df Sig. 1 .000 2 1.000

   Sumber: hasil output SPSS yang diolah

  Lampiran 9 Hasil Uji Multikolonearitas Correlation Matrix Constant CAR NPL NPM NIM BOPO LDR Step 1 Constant 1.000 -.092 -.455 -.637 .226 -.910 -.809

  CAR -.092 1.000 -.705 -.614 -.619 -.063 -.160 NPL -.455 -.705 1.000 .697 .314 .448 .592 NPM -.637 -.614 .697 1.000 .453 .684 .609 NIM .226 -.619 .314 .453 1.000 -.137 -.254 BOPO -.910 -.063 .448 .684 -.137 1.000 .608 LDR -.809 -.160 .592 .609 -.254 .608 1.000

   Sumber: hasil output SPSS yang diolah

  Lampiran 10 Classification Table Predicted Observed TGKT_KES tidak sehat sehat Percentage Correct

  Step

  1 TGKT_KES tidak sehat 5 100.0 Sehat 55 100.0 Overall Percentage 100.0

  Sumber: hasil output SPSS yang diolah

  Lampiran 11 Hasil Uji Koefisien Regresi Logistik Sumber: hasil output SPSS yang diolah

  Variables in the Equation B S.E. Wald df Sig. Exp(B) Step 1 ^a CAR -1.858 2.233.234 .000 1 .999 .156 NPL -11.285 5.730.300 .000

  1 .998 .000 NPM .510 842.401 .000 1 1.000 1.665 NIM 27.891 2.775.796 .000 1 .992 1,30E+15 BOPO -2.196 435.593 .000 1 .996 .111 LDR -2.367 375.112 .000 1 .995 .094 Constant 336.174 71.353.590 .000 1 .996 9,97E+148 a. Variable(s) entered on step 1: CAR, NPL, NPM, NIM, BOPO, LDR.