Lampiran 1 : Data Rasio Keuangan Gambaran DPK, CAR, NPL, ROA dan Kredit Bank Pemerintah dan Bank Pembangunan Daerah di Indonesia Periode 2008-2012 Tahun Nama Bank DPK () CAR () NPL () ROA () Penyaluran Kredit () 2008

  Lampiran 1 : Data Rasio Keuangan

Gambaran DPK, CAR, NPL, ROA dan Kredit

Bank Pemerintah dan Bank Pembangunan Daerah di Indonesia Periode

  24.27

  17.18

  2009 PT BANK MANDIRI TBK

  20.62

  15.72

  4.69

  2.69

  22.48 PT BANK NEGARA INDONESIA TBK

  13.5

  0.76

  4.9

  1.1

  18.67 PT BANK RAKYAT INDONESIA TBK

  15.81

  13.67

  2.8

  4.18

  15.26 PT BANK TABUNGAN NEGARA TBK

  4.33

  15.18

  16.44

  26.41

  2.69

  3.13

  23.92 BPD SULAWESI TENGGARA

  30.36

  40.66

  9.39

  2.29

  30.33 BPD SULAWESI SELATAN

  19.89

  21.95

  2.72

  5.7

  18.05 BPD NUSA TENGGARA BARAT

  24.08

  14.18

  0.64

  4.53

  24.01 BPD BALI

  14.19

  3.2

  22.07

  33.46 BPD LAMPUNG

  19.18

  1.08

  4.61

  25.87 BPD RIAU

  27.83

  35.64

  0.46

  3.59

  29.06

  35.24 BPD BENGKULU

  26.76

  1.86

  2.97

  20.42 BPD DKI

  30.04

  13.67

  3.26

  1.41

  22.07

  5.16

  1.8

  2.51

  16.16 BPD ACEH

  36.02

  23.51

  2.66

  3.48

  28.32 BPD SUMATERA UTARA

  35.31

  12.29

  4.4

  0.54

  22.53 BPD NAGARI

  34.06

  17.54

  3.87

  3.22

  35.42 BPD JAMBI

  25.06

  29.98

  24.19

  23.05 BPD KALIMANTAN TENGAH

  

2008-2012

Tahun Nama Bank DPK (%) CAR (%) NPL (%) ROA (%) Penyaluran Kredit (%)

  28.45 BPD NAGARI

  26.57

  2.32

  2.87

  31.29 BPD SUMATERA UTARA

  28.05

  16.57

  2.13

  3.14

  26.4

  11.35 BPD ACEH

  18.77

  3.87

  2.58

  32.1 BPD JAMBI

  18.44

  18.61

  0.43

  4.87

  30.45

  1.92

  21.41

  8.18

  2008 PT BANK MANDIRI TBK

  14.53

  21.11

  7.33

  2.4

  13.28 PT BANK NEGARA INDONESIA TBK

  7.02

  15.74

  0.85

  4.05

  14.12 PT BANK RAKYAT INDONESIA TBK

  12.31

  16.66

  3.44

  4.61

  10.59 PT BANK TABUNGAN NEGARA TBK

  12.97

  22.91

  23.03 BPD BENGKULU

  21.83

  3.11

  3.72

  20.61

  15.06

  0.76

  3.31

  20.51 BPD JAWA TENGAH

  28.02

  18.51

  0.06

  21.52 BPD KALIMANTAN SELATAN

  2.78

  19.37

  17.61

  1.49

  2.81

  18.12 BPD KALIMANTAN TIMUR

  24.73

  25.3

  2.07

  33.3 BPD JAWA BARAT

  1.46

  1.18

  21.86

  2.85

  22.59 BPD RIAU

  26.82

  24.79

  0.58

  3.23

  26.44 BPD LAMPUNG

  28.9

  1.56

  18.98

  2.61

  18.93 BPD DKI

  28.33

  13.66

  2.05

  1.41

  22.78 BPD JOGYAKARTA

  22.05

  24.12 BPD JOGYAKARTA

  28.34

  27.82

  24.23

  22.46

  1.48

  3.25

  28.83 BPD SULAWESI TENGGARA

  23.49

  30.16

  8.85

  4.51

  37.36 BPD SULAWESI SELATAN

  12.49

  3.73

  2.07

  5.8

  28.17 BPD NUSA TENGGARA BARAT

  26.57

  15.01

  0.25

  6.27

  26.38 BPD BALI

  25.77

  12.79

  26.16 BPD KALIMANTAN TENGAH

  3.10

  4.26

  2.81

  2.24

  26.57 BPD JOGYAKARTA

  27.9

  14.99

  1.49

  3.47

  26.42 BPD JAWA BARAT

  26.9

  22.1

  0.01

  26.24 BPD JAWA TENGAH

  18.08

  27.65

  17.02

  1.70

  4.55

  28.63 BPD KALIMANTAN SELATAN

  21.66

  17.9

  1.74

  4.32

  22.13 BPD KALIMANTAN TIMUR

  20.09

  0.57

  28.48

  11.41

  0.36

  2.03

  6.16

  32.14 BPD NAGARI

  34.27

  12.67

  1.33

  4.24

  34.09 BPD JAMBI

  34.36

  23.46

  3.58

  37.18

  31.27 BPD BENGKULU

  36.7

  23.45

  0.94

  5.84

  29.93 BPD RIAU

  34.65

  20.24

  0.95

  2.57

  15.25

  33.82 BPD SUMATERA UTARA

  2011 PT BANK MANDIRI TBK

  23.41

  21.24

  14.7

  2.4

  3.4

  23.83 PT BANK NEGARA INDONESIA TBK

  19.08

  18.6

  4.3

  2.5

  21.13 PT BANK RAKYAT INDONESIA TBK

  13.76

  3.96

  2.78

  4.64

  24.77 PT BANK TABUNGAN NEGARA TBK

  24.22

  16.74

  3.26

  2.05

  23.83 BPD ACEH

  32.15

  18.26

  3.03

  2.54

  25.72

  18.64

  24.58 BPD NUSA TENGGARA BARAT

  31.18 BPD SULAWESI TENGGARA

  25.43

  37.08

  9.21

  4.28

  29.42 BPD SULAWESI SELATAN

  23.51

  19.56

  2.7

  7.66

  23.59

  1.79

  15.57

  0.57

  4.39

  23.72 BPD BALI

  18.6

  13.89

  0.68

  4.32

  18.49

  2010 PT BANK MANDIRI TBK

  4.04

  19.4

  15.6

  0.08

  1.73

  3.23

  26.43 BPD JAWA BARAT

  28.49

  21.45

  0.11

  3.04

  33.79 BPD JAWA TENGAH

  31.85

  20.69

  3.8

  23.71

  29.04 BPD KALIMANTAN SELATAN

  24.55

  16.71

  1.27

  3.81

  24.3 BPD KALIMANTAN TIMUR

  28.49

  22.21

  1.78

  4.85

  19.78 BPD KALIMANTAN TENGAH

  19.29

  2.8

  25.14 BPD DKI

  24.93

  13.69

  4.32

  3.1

  25.6 BPD JAMBI

  22.65

  21.75

  0.60

  5.21

  25.5 BPD BENGKULU

  23.21

  2.13

  26.39 BPD NAGARI

  3.93

  23.59 BPD RIAU

  25.18

  21.64

  0.02

  2.69

  27.75 BPD LAMPUNG

  25.57

  21.55

  1.47

  4.79

  28.89

  5.82

  3.00

  19.34 PT BANK TABUNGAN NEGARA TBK

  19.68 PT BANK NEGARA INDONESIA TBK

  27.55

  13.8

  4.7

  1.70

  20.05 PT BANK RAKYAT INDONESIA TBK

  19.59

  13.2

  3.52

  3.73

  20.00

  3.41

  21.49

  3.36

  1.47

  20.45 BPD ACEH

  33.06

  18.38

  7.22

  3.51

  29.94 BPD SUMATERA UTARA

  25.84

  11.69

  33.22 BPD LAMPUNG

  36.57

  12.25

  39.02 BPD LAMPUNG

  37.84

  18.62

  0.87

  2.8

  40.57 BPD DKI

  42.36

  3.40

  0.19

  1.87

  42.36 BPD JOGYAKARTA

  40.32

  14.45

  0.31

  2.69

  39.55 BPD JAWA BARAT

  41.23

  2.95

  19.27

  0.01

  42.98

  2.01

  3.26

  41.45 BPD NAGARI

  36.82

  14.79

  2.00

  2.68

  40.29 BPD JAMBI

  23.55

  40.16

  0.05

  3.28

  43.22 BPD BENGKULU

  40.07

  13.82

  0.36

  3.17

  46.47 BPD RIAU

  17.12

  1.76

  36.97

  36.12 BPD NUSA TENGGARA BARAT

  6.49

  4.5

  51.68 BPD SULAWESI SELATAN

  38.16

  21.85

  0.01

  3.34

  37.65

  40.76

  12.94

  0.28

  6.03

  39.02 BPD BALI

  40.47

  17.56

  2.07

  3.54

  23.17

  37.99 BPD SULAWESI TENGGARA

  41.73 BPD JAWA TENGAH

  2.81

  38.47

  14.43

  1.74

  2.83

  41.22 BPD KALIMANTAN SELATAN

  41.23

  17.22

  1.63

  47.93 BPD KALIMANTAN TIMUR

  3.88

  46.08

  21.36

  6.61

  4.08

  41.55 BPD KALIMANTAN TENGAH

  39.58

  31.4

  8.36

  14.08

  36.23 BPD SUMATERA UTARA

  19.81

  19.02

  30.13 BPD KALIMANTAN SELATAN

  37.09

  15.27

  0.96

  6.22

  29.93 BPD KALIMANTAN TIMUR

  33.81

  3.70

  0.10

  4.62

  32.27 BPD KALIMANTAN TENGAH

  36.18

  22.15

  0.81

  4.11

  33.17 BPD SULAWESI TENGGARA

  35.73

  4.04

  14.93

  9.82

  31.77

  1.20

  3.19

  34.28 BPD DKI

  31.61

  10.67

  2.52

  2.32

  31.05 BPD JOGYAKARTA

  13.02

  33.87

  1.19

  3.32

  34.02 BPD JAWA BARAT

  31.86

  19.71

  0.99

  2.42

  32.01 BPD JAWA TENGAH

  27.77

  6.92

  3.46

  4.64

  17.6

  3.6

  2.2

  26.03 PT BANK RAKYAT INDONESIA TBK

  28.89

  14.96

  2.3

  30.04 PT BANK TABUNGAN NEGARA TBK

  20.73 PT BANK NEGARA INDONESIA TBK

  28.62

  15.03

  2.75

  2.03

  28.21 BPD ACEH

  34.78

  17.62

  0.03

  22.07

  3.4

  40.94 BPD SULAWESI SELATAN

  5.71

  36.05

  23.25

  1.82

  6.12

  33.65 BPD NUSA TENGGARA BARAT

  35.76

  13.15

  0.14

  34.58 BPD BALI

  2.2

  33.75

  11.73

  0.57

  3.98

  33.1

  2012 PT BANK MANDIRI TBK

  24.22

  17.2

  38.41

  Lampiran 2 : Hasil Olah Data (Output) SPSS 16 Deskripsi Statistik Variabel Penelitian Bank Pemerintah dan BPD Descriptive Statistics N Minimum Maximum Mean Std. Deviation DPK 110

  7.02 46.08 28.5986 7.66026 CAR 110 10.67 40.66 18.7434 5.45477 NPL 110 .01

  9.82 2.3703 2.23416 ROA 110 .85 7.66 3.6240 1.29943 KREDIT 110

  10.59 51.68 28.6309 8.12900 Valid N (listwise) 110

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Uji Asumsi Klasik Uji Normalitas Uji Kolmogorov Smirnov (Sebelum Transformasi) One-Sample Kolmogorov-Smirnov Test DPK CAR NPL ROA KREDIT N

  110 110 110 110 110

Normal Parameters(a,b) Mean 28.5986 18.7434 2.3703 3.6240 28.6309

Std. Deviation 7.66026 5.45477 2.23416 1.29943 8.12900

Most Extreme Differences Absolute .076 .089 .151 .074 .073

Positive .076 .089 .151 .074 .073 Negative -.068 -.081 -.145 -.054 -.036

  

Kolmogorov-Smirnov Z .797 .938 1.584 .777 .763

Asymp. Sig. (2-tailed) .549 .342 .013 .582 .605

  15

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Uji Kolmogorov Smirnov (Sesudah Transformasi) One-Sample Kolmogorov-Smirnov Test DPK CAR LnNPL ROA KREDIT

N 110 110 102 110 110

  

Normal Parameters(a,b) Mean 28.5986 18.7434 .5438 3.6240 28.6309

Std.

  Deviation 7.66026 5.45477 .98608 1.29943 8.12900

Most Extreme Differences Absolute .076 .089 .110 .074 .073

Positive .076 .089 .049 .074 .073

  Negative -.068 -.081 -.110 -.054 -.036

Kolmogorov-Smirnov Z .797 .938 1.110 .777 .763

Asymp. Sig. (2-tailed) .549 .342 .170 .582 .605

a Test distribution is Normal. b Calculated from data.

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Dependent Variable: KREDIT Mean =2.75E-15฀ Std. Dev. =0.98฀

  a Test distribution is Normal. b Calculated from data.

  10

  Frequency

  25

  20

5 Histogram

• 2 1 -1 -3

  2

  Regression Standardized Residual

  N =102

  3

   Sumber : Hasil Penelitian, 2013 (Data Diolah) Grafik Histogram Observed Cum Prob ^{1.0 0.8 0.6}

^0.4

^{0.2 0.0} E xpect ed C um P rob ^{1.0 0.8} _{0.6 0.4}

  0.2 _0.0 Normal P-P Plot of Regression Standardized Residual

Dependent Variable: KREDIT

  Sumber : Hasil Penelitian, 2013 (Data Diolah) Normal P-Plot Uji Multikolineritas Co effi cien ts a .946 1.058 .950 1.053 .879 1.137 .924 1.083

  DP K CA R LnNPL ROA

  Model

  VIF Collinearity Statistic s Dependent Variable: KREDIT a.

1 Tolerance

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Uji Heteroskedastisitas Scatterplot _{2 3} Dependent Variable: KREDIT ed iz ₁ tudent dual S esi on R

• _{-2 -1} egressi R _{-3 -3 -2 -1}
_{1 2 3} Regression Standardized Predicted Value

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Uji Autokorelasi b

Model Summary

  Adjusted Std. Error of Durbin-

Model R R Square R Square the Estimate Watson

a

  

1 .843 .711 .700 4.44351 1.646

a.

  Predictors: (Constant), ROA, CAR, DPK, LnNPL b. Dependent Variable: KREDIT

   Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Analisis Regresi Berganda

Coefficients(a)

  Model Unstandardized Coefficients Standardized Coefficients T Sig.

  B Std. Error Beta B Std. Error

1 (Constant) .788 2.452 .322 .748

DPK .884 .060 .830 14.803 .000 CAR .150 .081 .104 1.858 .066 LnNPL -.275 .478 -.033 -.575 .567 ROA -.014 .346 -.002 -.040 .968 a Dependent Variable: KREDIT

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

  Analisis Regresi Dummy Coeffi cients a 2.411 3.159 .763 .447 .855 .069 .803 12.325 .000

  .130 .085 .090 1.531 .129

  1 B St d. E rror Unstandardized Coeffic ients Beta

  St andardiz ed Coeffic ients t Sig.

• .134 .509 -.016 -.264 .792
• .087 .358 -.014 -.243
• 1. 230 1.506 -.061 -.816 .416 (Const ant) DP K CA R LnNPL ROA DUMMY Model

  Dependent Variable: KREDIT a.

   Sumber : Hasil Penelitian, 2013 (Data Diolah)

   Uji Serempak (Uji F) ANOV A ^b 4721.517 4 1180.379 59.782 .000 a

1 Sum of Squares df Mean S quare F Sig.

  1915.240 97 19.745 6636.756 101 Regres sion Residual Total Model

  Predic tors: (Constant), ROA , CA R, DPK , LnNPL a. Dependent Variable: KREDIT b.

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

   Uji Parsial (Uji t) Coefficients a .788 2.452 .322 .748 .884 .060 .830 14.803 .000 .150 .081 .104 1.858 .066

  Model

  1 B Std. Error Unstandardized Coefficients Beta

  Standardized Coefficients t Sig.

• .275 .478 -.033 -.575 .567
• .014 .346 -.002 -.040 .968 (Constant) DPK CAR LnNPL ROA

  Dependent Variable: KREDIT a.

  Sumber : Hasil Penelitian, 2013 (Data Diolah)

   Koefisien Determinasi (R

  2 ) Model Summary(b) Model R R Square Adjusted R Square Std. Error of the

  Estimate