Pengaruh Dana Pihak Ketiga, Loan to Deposit Ratio, Capital Adequacy Ratio, Non Performing Loan, Return On Assets, Suku Bunga SBI Terhadap Jumlah Penyaluran Kredit: Studi Empiris Pada Bank BUMN dan Bank Swasta Yang Terdaftar di Bursa Efek Indonesia Periode
LAMPIRAN 1 DAFTAR POPULASI PERUSAHAAN NO KODE BANK NAMA BANK Kriteria Sample Sampel
Sampel 17
Sampel 12
14 BEKS BANK PUNDI INDONESIA TBK
Sampel 13
15 BINA PT BANK INA PERDANA TBK
Sampel 14
16 BKSW BANK QNB KESAWAN TBK Sampel 15
17 BMRI BANK MANDIRI (PERSERO) TBK
Sampel 16
18 BNBA BANK BUMI ARTA TBK
19 BNGA BANK CIMB NIAGA TBK
Sampel 11
Sampel 18
20 BNII BANK INTERNASIONAL INDONESIA TB
Sampel 19
21 BNLI BANK PERMATA TBK
Sampel 20
22 BSIM BANK SINARMAS TBK
X
-
23 BSWD BANK OF INDIA INDONESIA
13 BDMN BANK DANAMON INDONESIA TBK
12 BCIC BANK MUTIARA TBK
1
Sampel 5
2
3
1 AGRO BANK RAKYAT INDONESIA AGRONIAGA TBK Sampel 1
2 BABP BANK ICB BUMIPUTERA TBK
Sampel 2
3 BACA BANK CAPITAL INDONESIA TBK
Sampel 3
4 BAEK BANK EKONOMI RAHARJA TBK
Sampel 4
5 BBCA BANK CENTRAL ASIA TBK
6 BBKP BANK BUKOPIN TBK
11 BBTN BANK TABUNGAN NEGARA (PERSERO) TBK Sampel 10
Sampel 6
7 BBMD BANK MESTIKA DHARMA TBK
X X -
8 BBNI BANK NEGARA INDONESIA TBK
Sampel 7
9 BBNP BANK NUSANTARA PARAHYANGAN TBK
Sampel 8
10 BBRI BANK RAKYAT INDONESIA (PERSERO) TBK
Sampel 9
Sampel 21
- 30 NISP BANK OCBC NISP TBK Sampel 27
- 33 SDRA BANK HIMPUNAN SAUDARA 1906 TBK
34 MEGA BANK MEGA TBK
12 BDMN BANK DANAMON INDONESIA TBK
11 BCIC BANK MUTIARA TBK
10 BBTN BANK TABUNGAN NEGARA (PERSERO) TBK
9 BBRI BANK RAKYAT INDONESIA (PERSERO) TBK
8 BBNP BANK NUSANTARA PARAHYANGAN TBK
7 BBNI BANK NEGARA INDONESIA TBK
6 BBKP BANK BUKOPIN TBK
5 BBCA BANK CENTRAL ASIA TBK
4 BAEK BANK EKONOMI RAHARJA TBK
3 BACA BANK CAPITAL INDONESIA TBK
2 BABP BANK ICB BUMIPUTERA TBK
1 AGRO BANK RAKYAT INDONESIA AGRONIAGA TBK
LAMPIRAN 2 DAFTAR SAMPEL PERUSAHAAN NO KODE BANK NAMA BANK
Sampel 29
Sampel 28
24 BTPN BANK TABUNGAN PENSIUNAN NASIONAL TBK
X
32 NOBU PT BANK NATIONALNOBU TBK
X
29 NAGA PT BANK MITRANIAGA TBK
Sampel 26
28 MCOR BANK WINDU KENTJANA INTERNASIONAL TBK
Sampel 25
27 MAYA BANK MAYAPADA INTERNASIONAL TBK
Sampel 24
26 INPC BANK ARTHA GRAHA INTERNASIONAL TBK
Sampel 23
25 BVIC BANK VICTORIA INTERNASIONAL TBK
Sampel 22
13 BEKS BANK PUNDI INDONESIA TBK
14 BINA PT BANK INA PERDANA TBK
29 MEGA BANK MEGA TBK
8 BBNP 2.562.722.000.000 3.657.670.000.000 4.810.027.000.000 5.884.623.000.000 7.066.300.000.000
7 BBNI 12.084.300.000.000 136.357.000.000.000 163.533.000.000.000 200.742.000.000.000 250.638.000.000.000
6 BBKP 24.604.000.000.000 30.173.000.000.000 40.748.000.000.000 45.531.000.000.000 48.461.000.000.000
5 BBCA 123.901.000.000.000 153.923.000.000.000 202.255.000.000.000 256.778.000.000.000 312.290.000.000.000
4 BAEK 8.670.000.000.000 11.447.000.000.000 14.026.000.000.000 17.218.000.000.000 19.625.000.000.000
3 BACA 1.217.152.000.000 1.830.462.000.000 1.758.729.000.000 2.831.618.000.000 3.743.319.000.000
2 BABP 5.196.420.000.000 6.028.296.000.000 4.944.114.000.000 5.043.065.000.000 5.378.179.000.000
1 AGRO 1.993.629.864.000 2.050.444.172.000 1.823.057.271.000 2.531.073.097.000 3.698.592.953.000
Volume Kredit Tahun 2009 2010 2011 2012 2013
Bursa Efek Indonesia Tahun 2009-2013 (Sebelum Logaritma)
Sumber: hasil olahan peneliti LAMPIRAN 3
DATA VARIABEL PENELITIAN
Data Jumlah Penyaluran Kredit pada Bank BUMN dan Bank Swasta Yang Terdaftar Di
28 SDRA BANK HIMPUNAN SAUDARA 1906 TBK
15 BKSW BANK QNB KESAWAN TBK
27 NISP BANK OCBC NISP TBK
26 MCOR BANK WINDU KENTJANA INTERNASIONAL TBK
25 MAYA BANK MAYAPADA INTERNASIONAL TBK
24 INPC BANK ARTHA GRAHA INTERNASIONAL TBK
23 BVIC BANK VICTORIA INTERNASIONAL TBK
22 BTPN BANK TABUNGAN PENSIUNAN NASIONAL TBK
21 BSWD BANK OF INDIA INDONESIA
20 BNLI BANK PERMATA TBK
19 BNII BANK INTERNASIONAL INDONESIA TB
18 BNGA BANK CIMB NIAGA TBK
17 BNBA BANK BUMI ARTA TBK
16 BMRI BANK MANDIRI (PERSERO) TBK
NO KODE
9 BBRI 208.123.000.000.000 252.489.000.000.000 294.515.000.000.000 362.007.000.000.000 448.345.000.000.000
10 BBTN 38.737.000.000.000 48.703.000.000.000 59.338.000.000.000 75.411.000.000.000 92.386.000.000.000
11 BCIC 4.864.097.000.000 6.302.264.000.000 9.397.094.000.000 11.148.050.000.000 11.131.807.000.000
12 BDMN 63.278.000.000.000 82.658.000.000.000 101.859.000.000.000 116.583.000.000.000 135.383.000.000.000
13 BEKS 1.036.060.000.000 612.751.000.000 3.554.336.000.000 5.654.001.000.000 6.788.775.000.000
14 BINA 587.863.000.000 598.397.000.000 1.127.012.000.000 1.083.551.000.000 1.052.068.000.000
15 BKSW 1.417.669.000.000 1.682.306.000.000 1.983.974.000.000 3.168.908.000.000 8.197.682.000.000
16 BMRI 198.546.617.000.000 246.200.576.000.000 314.380.848.000.000 388.830.299.000.000 472.435.041.000.000
17 BNBA 974.639.000.000 1.170.144.000.000 1.634.316.000.000 2.240.561.000.000 2.827.422.000.000
18 BNGA 83.390.446.000.000 104.893.277.000.000 125.701.743.000.000 145.399.129.000.000 156.984.105.000.000
19 BNII 39.643.435.000.000 53.735.835.000.000 67.185.892.000.000 80.948.717.000.000 102.029.615.000.000
20 BNLI 49.454.836.000.000 65.011.039.000.000 68.204.434.000.000 93.705.893.000.000 118.368.843.000.000
21 BSWD 981.358.000.000 1.071.643.000.000 1.436.293.000.000 1.838.288.000.000 2.569.319.000.000
22 BTPN 15.722.830.000.000 23.328.089.000.000 30.310.157.000.000 38.844.096.000.000 46.105.437.000.000
23 BVIC 2.713.514.000.000 3.187.219.000.000 5.558.636.000,00 7.580.958.000,00 11.076.019.000,00
24 INPC 10.986.322.000.000 11.180.951.000.000 13.399.447.000.000 15.212.135.000.000 15.431.270.000.000
25 MAYA 5.060.200.000,00 6.111.000.000,00 8.758.300.000,00 12.216.200.000,00 17.683.600.000,00
26 MCOR 1.593.590.000,00 2.962.103.000,00 4.626.933.000,00 4.525.245.000,00 5.483.875.000,00
27 NISP 23.981.196.000,00 31.540.561.000,00 41.275.778.000,00 52.896.715.000,00 63.967.113.000,00
28 SDRA 1.925.240.000,00 2.555.780.000,00 3.341.780.000,00 5.260.840.000,00 6.199.380.000,00
29 MEGA 18.039.000.000,00 23.891.000.000,00 31.796.000.000,00 26.986.000.000,00 30.125.000.000,00
Data Jumlah Penyaluran Kredit pada Bank BUMN dan Bank Swasta Yang Terdaftar Di
Bursa Efek Indonesia Tahun 2009-2013 (Sesudah Logaritma)
TAHUN No. KODE 2009 2010 2011 2012 20131 AGRO 28,32 28,35 28,23 28,56 28,94
2 BABP 29,28 29,43 29,23 29,25 29,31
3 BACA 27,83 28,24 28,20 28,67 28,95
4 BAEK 29,79 30,07 30,27 30,48 30,61
5 BBCA 32,45 32,67 32,94 33,18 33,37
6 BBKP 30,83 31,04 31,34 31,45 31,51
19 BNII 31,31 31,62 31,84 32,02 32,26
28 SDRA 21,38 21,66 21,93 22,38 22,43
27 NISP 23,90 24,17 24,44 24,69 23,60
26 MCOR 21,19 21,81 22,26 22,23 30,37
25 MAYA 22,34 22,53 22,89 23,23 23,13
24 INPC 30,03 30,05 30,23 30,35 31,46
23 BVIC 28,63 28,79 22,44 22,75 23,13
22 BTPN 30,39 30,78 31,04 31,29 31,46
21 BSWD 27,61 27,70 27,99 28,24 28,57
20 BNLI 31,53 31,81 31,85 32,17 32,40
18 BNGA 32,05 32,28 32,46 32,61 32,69
7 BBNI 30,12 32,55 32,73 32,93 33,16
17 BNBA 27,61 27,79 28,12 28,44 28,67
16 BMRI 32,92 33,14 33,38 33,59 33,79
15 BKSW 27,98 28,15 28,32 28,78 29,73
14 BINA 27,10 27,12 27,75 27,71 27,68
13 BEKS 27,67 27,14 28,90 29,36 29,55
12 BDMN 31,78 32,05 32,25 32,39 32,54
11 BCIC 29,21 29,47 29,87 30,04 30,04
10 BBTN 31,29 31,52 31,71 31,95 32,16
9 BBRI 32,97 33,16 33,32 33,52 33,74
8 BBNP 28,57 28,93 29,20 29,40 29,59
29 MEGA 23,62 23,90 24,18 24,02 24,88
Data Dana Pihak Ketiga (DPK) pada Bank BUMN dan Bank Swasta Yang Terdaftar Di
Bursa Efek Indonesia Tahun 2009-2013 (Sebelum Logaritma)
Dana Pihak Ketiga Tahun NO KODE 2009 2010 2011 2012 20131 AGRO 2.454.297.263.000 2.386.868.473.000 2.766.325.916.000 3.054.289.337.000 4.120.253.833.000
2 BABP 5.942.777.000.000 7.213.672.000.000 6.011.364.000.000 6.433.765.000.000 6.834.891.000.000
3 BACA 2.451.525.000.000 3.617.301.000.000 3.957.641.000.000 4.778.019.000.000 5.893.147.000.000
4 BAEK 19.012.000.000.000 18.396.000.000.000 20.072.000.000.000 20.961.000.000.000 23.347.000.000.000
5 BBCA 245.140.000.000.000 277.531.000.000.000 323.428.000.000.000 370.274.000.000.000 409.486.000.000.000
6 BBKP 31.916.000.000.000 41.377.000.000.000 47.929.000.000.000 53.958.000.000.000 55.822.000.000.000
7 BBNI 188.469.000.000.000 194.375.000.000.000 231.296.000.000.000 257.661.000.000.000 291.890.000.000.000
8 BBNP 3.473.107.000.000 4.544.400.000.000 5.653.943.000.000 6.925.186.000.000 8.358.395.000.000
9 BBRI 255.928.000.000.000 333.652.000.000.000 384.264.000.000.000 450.166.000.000.000 504.281.000.000.000
10 BBTN 40.215.000.000.000 47.546.000.000.000 61.970.000.000.000 80.668.000.000.000 96.208.000.000.000
11 BCIC 5.949.549.000.000 8.900.800.000.000 11.199.974.000.000 13.461.508.000.000 11.558.081.000.000
12 BDMN 72.014.000.000.000 88.190.000.000.000 97.688.000.000.000 101.697.000.000.000 126.556.000.000.000
13 BEKS 1.308.017.000.000 1.159.818.000.000 5.322.511.000.000 6.756.642.000.000 7.673.461.000.000
14 BINA 722.799.000.000 811.444.000.000 1.281.927.000.000 1.327.812.000.000 1.183.101.000.000
15 BKSW 2.139.959.000.000 2.372.318.000.000 2.644.465.000.000 3.633.084.000.000 7.244.934.000.000
16 BMRI 319.550.381.000.000 362.212.154.000.000 422.250.404.000.000 552.638.110.000.000 556.341.661.000.000
17 BNBA 1.927.093.000.000 2.150.541.000.000 2.420.016.000.000 2.874.841.000.000 3.367.520.000.000
18 BNGA 86.248.005.000.000 117.833.233.000.000 131.814.304.000.000 151.015.119.000.000 163.737.362.000.000
19 BNII 47.341.248.000.000 59.901.960.000.000 70.322.917.000.000 85.946.647.000.000 107.239.558.000.000
20 BNLI 45.720.638.000.000 59.385.311.000.000 82.738.287.000.000 104.914.477.000.000 133.074.926.000.000
21 BSWD 1.210.111.000.000 1.226.476.000.000 1.675.845.000.000 1.972.256.000.000 2.740.214.000.000
22 BTPN 18.514.788.000.000 25.526.479.000.000 35.618.000.000.000 45.072.603.000.000 52.195.859.000.000
23 BVIC 5.658.976.000,00 8.896.067.000,00 9.249.008.000,00 11.515.732.000,00 15.132.257.000,00
24 INPC 13.071.296.000.000 14.681.980.000.000 16.296.638.000.000 17.399.114.000.000 17.363.406.000.000
25 MAYA 60.406.000.000,00 77.964.000.000,00 106.673.000.000,00 151.606.000.000,00 206.570.000.000,00
26 MCOR 2.421.260.000,00 3.625.685.000,00 5.813.692.000,00 5.598.481.000,00 6.571.488.000,00
27 NISP 32.732.997.000,00 39.425.954.000,00 47.419.539.000,00 69.769.680.000,00 68.936.691.000,00
28 SDRA 2.027.790.000,00 2.550.810.000,00 4.087.990.000,00 6.226.710.000,00 6.802.260.000,00
29 MEGA 32.840.000.000,00 42.084.000.000,00 49.139.000.000,00 50.265.000.000,00 52.379.000.000,00
Data Dana Pihak Ketiga (DPK) pada Bank BUMN dan Bank Swasta Yang Terdaftar Di Bursa Efek Indonesia Tahun 2009-2013 (Sesudah Logaritma) No. KODE TAHUN 2009 2010 2011 2012 2013
12 BDMN 31,91 32,11 32,21 32,25 32,47
20 BNLI 31,45 31,72 32,05 32,28 32,52
19 BNII 31,49 31,72 31,88 32,08 32,31
18 BNGA 32,09 32,40 32,51 32,65 32,73
17 BNBA 28,29 28,40 28,51 28,69 28,85
16 BMRI 33,40 33,52 33,68 33,95 33,95
15 BKSW 28,39 28,49 28,60 28,92 29,61
14 BINA 27,31 27,42 27,88 27,91 27,80
13 BEKS 27,90 27,78 29,30 29,54 29,67
11 BCIC 29,41 29,82 30,05 30,23 30,08
1 AGRO 28,53 28,50 28,65 28,75 29,05
10 BBTN 31,33 31,49 31,76 32,02 32,20
9 BBRI 33,18 33,44 33,58 33,74 33,85
8 BBNP 28,88 29,14 29,36 29,57 29,75
7 BBNI 32,87 32,90 33,07 33,18 33,31
6 BBKP 31,09 31,35 31,50 31,62 31,65
5 BBCA 33,13 33,26 33,41 33,55 33,65
4 BAEK 30,58 30,54 30,63 30,67 30,78
3 BACA 28,53 28,92 29,01 29,20 29,40
2 BABP 29,41 29,61 29,42 29,49 29,55
21 BSWD 27,82 27,84 28,15 28,31 28,64
22 BTPN 30,55 30,87 31,20 31,44 31,59
23 BVIC 22,46 22,91 22,95 30,49 23,44
24 INPC 30,20 30,32 30,42 30,49 30,49
25 MAYA 24,82 25,08 25,39 25,74 26,05
26 MCOR 21,61 22,01 22,48 22,45 22,61
27 NISP 24,21 24,40 24,58 24,97 24,96
28 SDRA 21,43 21,66 22,13 22,55 22,64
29 MEGA 24,21 24,46 24,62 24,64 24,68
Data Loan to Deposi Ratio (LDR) pada Bank BUMN dan Bank Swasta Yang Terdaftar Di
Bursa Efek Indonesia Tahun 2009-2013
LOAN TO DEPOSIT RATIO TAHUN 2009 2010 2011 2012 2013
NO KODE
2 BABP 89,64 84,96 84,93 79,48 80,14
13 BEKS 79,21 52,83 66,78 83,68 88,46
21 BSWD 8,11 87,36 85,71 93,21 93,76
20 BNLI 90,6 87,5 83,06 89,52 889,26
19 BNII 82,93 89,03 95,07 92,97 93,24
18 BNGA 95,11 88,04 94,41 95,04 94,49
17 BNBA 50,53 54,18 67,53 77,95 85,96
16 BMRI 59,15 65,44 71,65 77,66 82,97
15 BKSW 66,97 71,65 75,48 87,37 113,3
14 BINA 81,33 73,74 87,92 81,6 87,17
12 BDMN 88,8 93,8 98,3 100,7 95,1
3 BACA 49,65 50,6 44,24 59,06 63,35
11 BCIC 81,66 70,86 83,9 82,81 96,31
10 BBTN 101,29 108,42 102,56 100,9 104,42
9 BBRI 80,88 75,17 76,2 79,85 85,54
8 BBNP 84,44 84,94 85,02 84,94 84,44
1 AGRO 80,99 85,68 65,79 82,48 87,11
6 BBKP 75,99 71,85 85,01 83,81 85,8
5 BBCA 49,65 50,6 44,24 59,06 63,35
4 BAEK 45,54 62,44 70,06 81,82 83,07
7 BBNI 64,1 70,2 70,4 77,5 85,3
22 BTPN
15 BKSW 12,56 10,72 45,75 27,76 18,73
12 BDMN
33
40
41
47
48
13 BEKS 8,02 41,42 12,02 13,27 11,43
14 BINA 23,5 24,82 15,05 16,05 16,71
16 BMRI 15,43 13,36 15,34 15,48 14,93
10 BBTN 21,54 16,74 15,03 17,69 15,62
17 BNBA 24,68 21,78 17,57 17,59 14,86
18 BNGA 13,88 13,47 13,16 15,16 15,36
19 BNII 14,9 12,64 11,95 13,13 12,81
20 BNLI 12,2 14,1 14,07 15,86 14,28
21 BSWD 3,29 26,91 23,19 21,1 15,26
22 BTPN 18,5 23,4 20,5 21,5 23,1
23 BVIC 16,92 13,72 14,92 17,97 18,25
24 INPC 13,77 13,65 12,65 16,45 15,82
25 MAYA 17,05 20,4 14,68 10,93 14,07
11 BCIC 10,02 11,16 9,41 10,09 14,03
9 BBRI 13,2 13,76 14,96 16,95 16,99
85
27 NISP 71,94 77,12 83,61 84,73 83,75
91
85
86
88
23 BVIC 50,43 40,22 63,62 67,59 74,73
24 INPC 84,04 76,13 82,21 87,42 88,87
25 MAYA 83,77 78,38 82,1 80,58 75,61
26 MCOR 65,81 81,29 79,3 80,22 82,73
28 SDRA 94,94 100,2 81,7 84,39 90,59
8 BBNP 12,56 12,76 13,45 12,17 15,75
29 MEGA 56,82 56,03 63,75 52,39 52,47
Data Capital Adequacy Ratio (CAR) pada Bank BUMN dan Bank Swasta Yang Terdaftar
Di Bursa Efek Indonesia Tahun 2009-2013
NO KODE Capital Adequacy Ratio TAHUN 2009 2010 2011 2012 20131 AGRO 19,63 14,95 16,39 14,8 21,6
2 BABP 11,19 12,55 10,12 11,21 13,09
3 BACA 44,62 29,29 21,58 18 20,13
4 BAEK 21,75 19,05 16,37 14,21 13,1
5 BBCA 15,3 13,5 12,7 14,2 15,7
6 BBKP 14,36 13,02 14,33 18,45 17,07
7 BBNI 13,8 18,6 17,6 16,7 15,1
26 MCOR 17,88 17,9 12,66 15,19 15,88
27 NISP 20,45 17,63 13,75 16,49 19,28
28 SDRA 14,1 23 17,37 17,77 16,14
29 MEGA 18,84 24,78 11,7 19,18 11,72
Data Non Performing Loan (NPL) pada Bank BUMN dan Bank Swasta Yang Terdaftar Di
Bursa Efek Indonesia Tahun 2009-2013
Non Performig Loan TAHUN 2009 2010 2011 2012 2013
NO KODE
2 BABP 5,63 4,34 6,25 5,78 4,88
17 BNBA 2,15 2,25 1,07 0,63 0,21
29 MEGA 1,7 0,9 0,98 2,09 2,11
28 SDRA 1,29 1,76 1,65 1,99 2,64
27 NISP 3,12 1,99 1,26 0,91 0,73
26 MCOR 2,11 2,08 2,18 1,98 1,69
25 MAYA 0,96 3,27 2,51 3,02 1,04
24 INPC 2,83 2 1,85 0,8 1,76
23 BVIC 3 5,04 2,38 2,3 0,92
22 BTPN 0,5 1,1 0,7 0,6 0,7
21 BSWD 1,82 3,55 1,98 0,14 1,59
20 BNLI 4 2,7 2,04 1,37 1,04
19 BNII 2,42 3,09 2,14 1,7 2,11
18 BNGA 3,06 2,59 2,64 2,29 2,23
16 BMRI 2,62 2,21 2,18 1,74 1,6
3 BACA 0,24 0,99 0,69 2,11 0,37
15 BKSW 5,33 1,91 1,56 0,73 0,23
14 BINA 0,44 2,32 1,1 0,36 0,38
1 AGRO 7,48 8,82 3,55 3,68 2,27
12 BDMN 20,7 16 17,6 18,9 17,9
11 BCIC 9,53 4,84 4,46 3,16 3,61
10 BBTN 3,36 3,26 2,75 4,09 4,05
9 BBRI 3,52 2,78 2,3 1,78 1,55
8 BBNP 1,81 0,63 0,78 0,58 0,45
7 BBNI 4,7 4,3 3,6 2,8 2,2
6 BBKP 2,81 3,22 2,88 2,66 2,26
5 BBCA 0,7 0,6 0,5 0,4 0,4
4 BAEK 1,11 0,35 0,74 0,28 0,92
13 BEKS 27,9 5,96 9,12 9,95 6,75
Data Return on Asset (ROA) pada Bank BUMN dan Bank Swasta Yang Terdaftar Di Bursa Efek Indonesia Tahun 2009-2013 NO KODE Return on Asset
15 BKSW 0,3 0,17 0,46 -0,81 0,07
28 SDRA 2,41 2,78 3 2,78 2,23
27 NISP 1,91 1,29 1,91 1,79 1,81
26 MCOR 1 1,11 0,96 2,04 1,74
25 MAYA 0,9 1,22 2,07 2,41 2,53
24 INPC 0,44 0,76 0,72 0,66 1,39
23 BVIC 1,1 1,71 2,65 2,17 1,99
22 BTPN 3,4 4 4,4 4,7 4,5
21 BSWD 3,53 2,93 3,66 3,14 3,8
20 BNLI 1,4 1,9 1,66 1,7 1,55
19 BNII 0,07 1,14 1,13 1,62 1,71
18 BNGA 2,1 2,75 2,85 3,18 2,76
17 BNBA 2,05 1,52 2,11 2,47 2,05
16 BMRI 3,13 3,5 3,37 3,55 3,66
14 BINA 2,57 1,1 0,32 1,22 2,57
TAHUN 2009 2010 2011 2012 2013
13 BEKS -7,88 -12,9 -4,75 0,98 1,23
12 BDMN 2,6 2,86 3,03 3,11 3,08
11 BCIC 3,84 2,53 2,17 1,06 -7,58
10 BBTN 1,47 2,05 2,03 1,94 1,79
9 BBRI 3,73 4,64 4,93 5,15 5,03
8 BBNP 1,02 1,5 1,53 1,57 1,58
7 BBNI 1,7 2,5 2,9 2,9 3,4
6 BBKP 1,46 1,62 1,87 1,83 1,75
5 BBCA 3,4 3,5 3,8 3,6 3,8
4 BAEK 2,21 1,78 1,49 1,02 1,19
3 BACA 1,42 0,74 0,84 1,32 1,59
2 BABP 0,18 0,51 -1,64 0,09 -0,93
1 AGRO 0,18 0,67 1,39 1,63 1,66
29 MEGA 1,77 2,45 2,29 2,74 1,14
Data Suku Bunga SBI pada Bank BUMN dan Bank Swasta Yang Terdaftar Di Bursa Efek Indonesia Tahun 2009-2013 No KODE SUKU BUNGA SBI TAHUN 2009 2010 2011 2012 2013
16 BMRI 6,5 6,5 6 5,8 7,5
28 SDRA 6,5 6,5 6 5,8 7,5
27 NISP 6,5 6,5 6 5,8 7,5
26 MCOR 6,5 6,5 6 5,8 7,5
25 MAYA 6,5 6,5 6 5,8 7,5
24 INPC 6,5 6,5 6 5,8 7,5
23 BVIC 6,5 6,5 6 5,8 7,5
22 BTPN 6,5 6,5 6 5,8 7,5
21 BSWD 6,5 6,5 6 5,8 7,5
20 BNLI 6,5 6,5 6 5,8 7,5
19 BNII 6,5 6,5 6 5,8 7,5
18 BNGA 6,5 6,5 6 5,8 7,5
17 BNBA 6,5 6,5 6 5,8 7,5
15 BKSW 6,5 6,5 6 5,8 7,5
1 AGRO 6,5 6,5 6 5,8 7,5
14 BINA 6,5 6,5 6 5,8 7,5
13 BEKS 6,5 6,5 6 5,8 7,5
12 BDMN 6,5 6,5 6 5,8 7,5
11 BCIC 6,5 6,5 6 5,8 7,5
10 BBTN 6,5 6,5 6 5,8 7,5
9 BBRI 6,5 6,5 6 5,8 7,5
8 BBNP 6,5 6,5 6 5,8 7,5
7 BBNI 6,5 6,5 6 5,8 7,5
6 BBKP 6,5 6,5 6 5,8 7,5
5 BBCA 6,5 6,5 6 5,8 7,5
4 BAEK 6,5 6,5 6 5,8 7,5
3 BACA 6,5 6,5 6 5,8 7,5
2 BABP 6,5 6,5 6 5,8 7,5
29 MEGA 6,5 6,5 6 5,8 7,5
LAMPIRAN 4
DATA HASIL PENGOLAHAN SPSS
1. Analisis Statistik Deskriptif
a. Deskriptive
Descriptive Statistics
N Minimum Maximum Mean Std.Deviation LN_DPK 145 21,43 33,95 29,2406 3,37674 LDR 145 8,11 889,26 84,0866 69,08342 CAR 145 3,29 48,00 17,4652 7,33237 NPL 145 ,14 27,90 3,1210 4,02934 ROA 145 -12,90 5,15 1,7486 2,13934 SBI 145 5,80 7,50 6,4600 ,59060 LN_KREDIT 145 21,19 33,79 28,9960 3,42658 Valid N (listwise)
145
b. Frequence
Statistics
LN_DPK LDR CAR NPL ROA SBI LN_KREDIT NValid 145 145 145 145 145 145 145 Missing
2. Pengolahan Data
a. Normalitas ● Histrogram dan grefik Normal P-
- Hasil Uji Normalitas K-S
Unstandardize d Residual N
78 Normal Parameters
a,b
Mean ,0000000 Std. Deviation 1,12498977
Most Extreme Differences Absolute ,128 Positive ,090 Negative -,128
Kolmogorov-Smirnov Z 1,132 Asymp. Sig. (2-tailed)
,154 a. Test distribution is Normal.
b. Calculated from data.
b. Multikolineritas
Model Collinearity Statistics
Tolerance
VIF (Constant) DPK ,609 1,641 LDR ,934 1,071
1 CAR ,491 2,036
NPL ,495 2,019 ROA ,732 1,366 SBI ,753 1,328
Correlations Correlations
Control Variables DPK LDR CAR NPL ROA SBI KRED
IT Correlation 1,000 -,055 ,024 -,087 ,415 ,385 ,996 Significance (2- . ,637 ,838 ,449 ,000 ,001 ,000
DPK tailed) Df
75
75
75
75
75
75 Correlation -,055 1,000 ,136 ,143 ,057 ,037 -,026 Significance (2- ,637 . ,237 ,215 ,622 ,751 ,821
LDR tailed) Df
75
75
75
75
75
75 Correlation ,024 ,136 1,000 ,698 -,147 ,026 ,065 LN_K Significance (2- ,838 ,237 . ,000 ,202 ,820 ,573
CAR REDIT tailed)
Df
75
75
75
75
75
75 Correlation -,087 ,143 ,698 1,000 -,120 ,055 -,041 Significance (2- ,449 ,215 ,000 . ,298 ,635 ,724
NPL tailed) Df
75
75
75
75
75
75 Correlation ,415 ,057 -,147 -,120 1,000 -,064 ,428 Significance (2- ,000 ,622 ,202 ,298 . ,580 ,000
ROA tailed) Df
75
75
75
75
75
75 Correlation ,385 ,037 ,026 ,055 -,064 1,000 ,415 Significance (2- ,001 ,751 ,820 ,635 ,580 . ,000
SBI tailed) Df
75
75
75
75
75
75 Correlation ,996 -,026 ,065 -,041 ,428 ,415 1,000 KRE Significance (2- ,000 ,821 ,573 ,724 ,000 ,000 .
DIT tailed) Df
75
75
75
75
75
75
a. Dependent Variable : LN_KR
c. Heterokedastisitas
- Uji Lagrange Multiplier (LM Test)
- Uji Run Test Coefficients a
Standardized Coefficients t
T Sig. Std. Error Beta
Standardized Coefficients
Model Unstandardized Coefficients
Unstandardized Residual Coefficients a
a. Dependent Variable:
1 (Constant) 28,262 1,882 15,020 ,000 DPK 1,069E-013 ,000 ,577 4,849 ,000 LDR ,028 ,009 ,303 3,156 ,002 CAR -,032 ,026 -,163 -1,227 ,224 NPL ,087 ,056 ,207 1,566 ,122 ROA -,084 ,064 -,144 -1,326 ,189 SBI -,269 ,280 -,103 -,959 ,341
Sig. Std. Error Beta
Model Unstandardized Coefficients
d. Autokorelasi Tabel 4.10 Uji Autokorelasi (DW Test) Model Summary b
b. Dependent Variable: KREDIT
a. Predictors: (Constant), SBI, CAR, ROA, LDR, DPK, NPL
1,827
,966 ,964 1790015574 0083,24000
a
1 ,983
Std. Error of the Estimate Durbin- Watson
Model R R Square Adjusted R Square
1 (Constant) 28,262 1,882 15,020 ,000 DPK 1,069E-013 ,000 ,577 4,849 ,000 LDR ,028 ,009 ,303 3,156 ,002
CAR -,032 ,026 -,163 -1,227 ,224 NPL ,087 ,056 ,207 1,566 ,122 ROA -,084 ,064 -,144 -1,326 ,189 SBI -,269 ,280 -,103 -,959 ,341
b. Dependent Variable:
Unstandardized Residual Coefficients a
3. Analisis Regresi
Model Unstandardized Coefficients
Standardized Coefficients
T Sig. Std. Error Beta
1 (Constant) 28,262 1,882 15,020 ,000 DPK 1,069E-013 ,000 ,577 4,849 ,000 LDR ,028 ,009 ,303 3,156 ,002 CAR -,032 ,026 -,163 -1,227 ,224 NPL ,087 ,056 ,207 1,566 ,122 ROA -,084 ,064 -,144 -1,326 ,189 SBI -,269 ,280 -,103 -,959 ,341
c. U
Model Unstandardized Coefficients
1 (Constant) DPK ,609 1,641 LDR ,934 1,071 CAR ,491 2,036 NPL ,495 2,019 ROA ,732 1,366 SBI ,753 1,328
VIF
Tolerance
Model Collinearity Statistics
a. Dependent Variable: LN_KREDIT
1 (Constant) 28,262 1,882 15,020 ,000 DPK 1,069E-013 ,000 ,577 4,849 ,000 LDR ,028 ,009 ,303 3,156 ,002 CAR -,032 ,026 -,163 -1,227 ,224 NPL ,087 ,056 ,207 1,566 ,122 ROA -,084 ,064 -,144 -1,326 ,189 SBI -,269 ,280 -,103 -,959 ,341
Standardized Coefficients T Sig. B Std. Error Beta
b. Uji t Coefficients a
a. Koefisien Determinasi Tabel 4.10 Model Summary b
b. Dependent Variable: KREDIT
a. Predictors: (Constant), SBI, CAR, ROA, LDR, DPK, NPL
,966 ,964 1790015574 0083,24000
a
1 ,983
Std. Error of the Estimate
Model R R Square Adjusted R Square