Institutional Repository | Satya Wacana Christian University: Kelengketan Biaya di Bank Perkreditan Rakyat (BPR ) Pemerintah Daerah
Lampiran 1
Daftar Sampel BPR Milik Pemerintah Kabupaten
No Nama BPR pemerintah daerah Lokasi
1 PD BPR Kendali Artha Kab Kendal
2 PD BPR Bank Daerah Pati Kab Pati
3 PD BPR BP Kab Kudus Kab Kudus
4 PD BPR Bank Pemalang Kab Pemalang
5 PD BPR Jepara Artha Kab Jepara
6 PD BPR BP Kab Rembang Kab Rembang
7 PD BPR BP Kab Blora Kab Blora
8 PD BPR BKK Cilacap Tengah Kab Cilacap
9 PT BPR Artha Perwira Kab purbalingga
10 PD BPR BP Kab Temanggung kab temanggung
11 PD BPR Bank Wonosobo Kab wonosobo
12 PD BPR Bank Purworejo Kab purworejo
13 PD BPR Bank Klaten Kab klaten
14 PD BPR Djoko Tingkir Kab sragen
15 PD BP Kabupaten Dati II Sukoharjo Kab sukoharjo
16 PD BPR Bank Karanganyar Kab karanganyar
17 PD BPR Bank Daerah Karanganyar Kab karanganyar
18 PD BPR Giri Suka Dana Kab wonogiri
19 PD BPR Bank Pasar Kota Semarang Kota semarang
20 PD BPR Bank Salatiga Kota salatiga
21 PD BPR BP Kota Pekalongan Kota pekalongan
22 PD BPR BP kota tegal Kota tegal
23 PD BPR bank Magelang Kota magelang
24 PD BPR Bank Solo Kota surakarta/solo
25 PD BPR Bank Tegal Gotong Royong Kab Tegal
26 PD BPR BKK Kab Tegal Kab Tegal
27 PD BPR Puspakencana Kab Brebes
(2)
Daftar Sampel BPR Milik Pemerintah Provinsi
No Nama BPR pemerintah daerah Lokasi
1 PD BPR BKK Ungaran Kab Semarang
2 PD BPR BKK Kendal Kab Kendal
3 PD BPR BKK Demak Kota Kab Demak
4 PD BPR BKK Purwodadi Kab Grobogan
5 PD BPR BKK Banjarharjo Kab Brebes
6 PD BPR BKK Kudus Kab Kudus
7 PD BPR BKK Lasem Kab Rembang
8 PD BPR BKK Blora Kota Kab Blora
9 PD BPR BKK Purwokerto Utara Kab Banyumas
10 PD BPR BKK Purbalingga Kab purbalingga
11 PD BPR BKK Mandiraja Kab banjarnegara
12 PD BPR BKK muntilan Kab magelang
13 PD BPR BKK temanggung Kab temanggung
14 PD BPR BKK Wonosobo Kab wonosobo
15 PD BPR BKK Purworejo Kab purworejo
16 PD BPR BKK Pedan Kab klaten
17 PD BPR BKK Tulung Kab klaten
18 PD BPR BKK Karangmalang Kab sragen
19 PD BPR BKK Grogol Kab sukoharjo
20 PD BPR BKK Tasikmadu Kab karanganyar
21 PD BPR BKK Wonogiri Kota Kab wonogiri
22 PD BPR BKK TPI Klidang Lor Kab batang
23 PD BPR BKK Kota Pekalongan Kota pekalongan
24 PD BPR BKK Kota Tegal Kota tegal
(3)
Lampiran 2
Data Penelitian Sampel
ke-
Log Biaya Operasional
Log Pendapatan
Dummy x Log Pendapatan
Dummy Log Pendapatan x Dummy BPR
1 0.03 0.02 0.00 0.00
2 0.00 -0.04 -0.04 -0.04
3 0.07 0.02 0.00 0.00
4 0.06 0.02 0.00 0.00
5 0.02 0.06 0.00 0.00
6 0.06 0.01 0.00 0.00
7 0.03 0.06 0.00 0.00
8 0.11 0.11 0.00 0.00
9 0.03 0.01 0.00 0.00
10 0.06 0.05 0.00 0.00
11 0.05 -0.02 -0.02 -0.02
12 0.07 0.05 0.00 0.00
13 0.02 0.00 0.00 0.00
14 0.08 0.03 0.00 0.00
15 0.12 0.04 0.00 0.00
16 0.08 0.02 0.00 0.00
17 0.05 0.02 0.00 0.00
18 0.02 0.04 0.00 0.00
19 0.10 0.06 0.00 0.00
20 0.14 0.13 0.00 0.00
21 0.05 0.05 0.00 0.00
22 0.03 0.04 0.00 0.00
23 0.07 0.08 0.00 0.00
24 0.03 0.03 0.00 0.00
25 0.05 0.04 0.00 0.00
26 -0.06 -0.05 -0.05 0.00
27 0.07 0.04 0.00 0.00
28 0.13 0.03 0.00 0.00
29 0.01 0.01 0.00 0.00
30 0.04 0.07 0.00 0.00
31 0.09 0.15 0.00 0.00
32 0.01 -0.06 -0.06 0.00
33 0.08 -0.01 -0.01 -0.01
(4)
Sampel ke-
Log Biaya Operasional
Log Pendapatan
Dummy x Log Pendapatan
Dummy Log Pendapatan x
Dummy BPR
35 0.03 0.06 0.00 0.00
36 0.06 0.09 0.00 0.00
37 0.01 0.02 0.00 0.00
38 -0.01 -0.02 -0.02 -0.02
39 0.06 0.04 0.00 0.00
40 0.04 0.00 0.00 0.00
41 0.11 0.03 0.00 0.00
42 0.03 0.02 0.00 0.00
43 0.04 0.01 0.00 0.00
44 0.07 0.07 0.00 0.00
45 0.04 0.05 0.00 0.00
46 0.02 0.02 0.00 0.00
47 0.10 0.09 0.00 0.00
48 0.12 0.07 0.00 0.00
49 -0.03 -0.08 -0.08 -0.08
50 0.13 0.09 0.00 0.00
51 0.07 -0.07 -0.07 -0.07
52 0.12 0.14 0.00 0.00
53 0.07 0.07 0.00 0.00
54 0.08 0.09 0.00 0.00
55 0.07 0.03 0.00 0.00
56 0.04 0.01 0.00 0.00
57 0.02 0.06 0.00 0.00
58 0.02 0.06 0.00 0.00
59 0.06 0.02 0.00 0.00
60 -0.01 0.04 0.00 0.00
61 0.07 0.10 0.00 0.00
62 0.01 0.00 0.00 0.00
63 0.03 0.03 0.00 0.00
64 -0.05 0.00 0.00 0.00
65 0.03 0.01 0.00 0.00
66 -0.03 0.00 0.00 0.00
67 0.00 0.02 0.00 0.00
68 0.06 0.07 0.00 0.00
69 0.03 0.03 0.00 0.00
(5)
Sampel ke-
Log Biaya Operasional
Log Pendapatan
Dummy x Log Pendapatan
Dummy Log Pendapatan x Dummy BPR
71 0.03 0.06 0.00 0.00
72 -0.01 0.03 0.00 0.00
73 0.04 0.10 0.00 0.00
74 0.07 0.04 0.00 0.00
75 0.02 0.04 0.00 0.00
76 0.06 0.08 0.00 0.00
77 -0.01 0.00 0.00 0.00
78 0.03 0.04 0.00 0.00
79 0.04 0.03 0.00 0.00
80 0.06 0.10 0.00 0.00
81 0.03 0.02 0.00 0.00
82 0.08 0.10 0.00 0.00
83 0.06 0.08 0.00 0.00
84 0.12 0.09 0.00 0.00
85 0.05 0.04 0.00 0.00
86 0.03 -0.01 -0.01 -0.01
87 0.06 -0.01 -0.01 0.00
88 -0.01 0.03 0.00 0.00
89 0.03 0.07 0.00 0.00
90 -0.01 -0.07 -0.07 -0.07
91 0.02 0.02 0.00 0.00
92 -0.02 0.01 0.00 0.00
93 0.06 0.06 0.00 0.00
94 0.10 -0.01 -0.01 -0.01
95 0.07 0.08 0.00 0.00
96 0.04 0.03 0.00 0.00
97 0.08 0.06 0.00 0.00
98 0.09 0.08 0.00 0.00
99 0.07 0.11 0.00 0.00
100 0.12 0.05 0.00 0.00
101 -0.02 -0.01 -0.01 0.00
102 0.00 0.03 0.00 0.00
103 -0.04 0.11 0.00 0.00
104 0.00 -0.06 -0.06 -0.06
105 0.07 0.07 0.00 0.00
(6)
Sampel ke-
Log Biaya Operasional
Log Pendapatan
Dummy x Log Pendapatan
Dummy Log Pendapatan x Dummy BPR
107 0.00 -0.01 -0.01 0.00
108 0.07 0.03 0.00 0.00
109 0.02 0.04 0.00 0.00
110 0.01 0.02 0.00 0.00
111 0.05 0.03 0.00 0.00
112 0.07 0.05 0.00 0.00
113 0.04 0.04 0.00 0.00
114 0.10 0.06 0.00 0.00
115 -0.03 -0.07 -0.07 0.00
116 0.09 0.06 0.00 0.00
117 -0.01 -0.02 -0.02 -0.02
118 0.01 0.01 0.00 0.00
119 0.02 0.00 0.00 0.00
120 0.06 0.05 0.00 0.00
121 0.04 0.06 0.00 0.00
122 0.08 0.02 0.00 0.00
123 0.07 0.04 0.00 0.00
124 0.07 0.07 0.00 0.00
125 0.02 0.02 0.00 0.00
126 0.11 0.13 0.00 0.00
127 0.06 0.07 0.00 0.00
128 0.07 0.04 0.00 0.00
129 -0.07 -0.05 -0.05 0.00
130 0.09 0.06 0.00 0.00
131 0.04 0.05 0.00 0.00
132 0.05 0.03 0.00 0.00
133 0.10 0.28 0.00 0.00
134 0.09 0.03 0.00 0.00
135 0.03 -0.10 -0.10 -0.10
136 0.08 0.07 0.00 0.00
137 0.03 0.08 0.00 0.00
138 0.02 0.01 0.00 0.00
139 0.03 0.06 0.00 0.00
140 -0.07 -0.06 -0.06 0.00
141 0.00 -0.08 -0.08 0.00
142 0.03 0.02 0.00 0.00
(7)
Sampel ke-
Log Biaya Operasional
Log Pendapatan
Dummy x Log Pendapatan
Dummy Log Pendapatan x Dummy BPR
144 0.01 0.01 0.00 0.00
145 0.37 0.29 0.00 0.00
146 0.07 0.08 0.00 0.00
147 0.07 0.04 0.00 0.00
148 0.03 -0.01 -0.01 0.00
149 0.05 0.03 0.00 0.00
150 0.11 0.12 0.00 0.00
151 0.03 0.04 0.00 0.00
152 0.02 0.00 0.00 0.00
153 0.08 0.06 0.00 0.00
154 0.06 0.04 0.00 0.00
155 -0.01 0.02 0.00 0.00
156 0.06 0.02 0.00 0.00
157 0.11 0.19 0.00 0.00
158 0.06 0.06 0.00 0.00
(8)
Lampiran 3 Uji Asumsi Klasik 1. Uji Multikolinieritas
a. Hipotesis Pertama
Coefficientsa
Model
Collinearity Statistics
Tolerance VIF
1 log_pendapatan .628 1.592
dummy_log_pendapatan .628 1.592
a. Dependent Variable: log_biaya_operasional
b. Hipotesis Kedua
Coefficientsa
Model
Collinearity Statistics
Tolerance VIF
1 log_pendapatan .628 1.592
dummy_log_pendapatan .288 3.474
dummybpr_dummylogpendapatan .353 2.835
(9)
2. Uji Autokorelasi a. Hipotesis Pertama
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
B
Std.
Error Beta
1 (Constant) 5.041E-5 .005 .011 .991
log_pendapatan .000 .068 .000 -.008 .993
dummy_log_pendapatan .001 .202 .001 .006 .996
LAGS RES 1 .018 .081 .018 .224 .823
a. Dependent Variable: Residual 1
b. Hipotesis Kedua
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
B
Std.
Error Beta
1 (Constant) 4.346E-5 .005 .010 .992
log_pendapatan .000 .067 .000 -.005 .996
dummy_log_pendapatan .000 .296 .000 -.002 .999
dummybpr_dummylogpe
ndapatan .003 .321 .001 .008 .993
LAGS RES 2 .007 .081 .007 .090 .928
(10)
3. Uji Heteroskedasdisitas. a. Hipotesis Pertama
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
B Std. Error Beta
1 (Constant) -8.913 .330 -26.977 .000
log_pendapatan 8.412 4.924 .170 1.708 .090
dummy_log_pendapatan -28.336 14.698 -.192 -1.928 .056 a. Dependent Variable: Ln_res1_sq
b. Hipotesis Kedua
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) -8.878 .316 -28.054 .000
log_pendapatan 7.902 4.716 .165 1.676 .096
dummy_log_pendapatan -51.579 20.790 -.361 -2.481 .014 dummybpr_dummylogpend
apatan 17.093 22.514 .100 .759 .449
(11)
4. Uji Normalitas Residual
One-Sample Kolmogorov-Smirnov Test
Residual 1 Residual 2
N 159 159
Normal Parametersa Mean .0000000 .0000000
Std. Deviation .03592115 .03536639
Most Extreme Differences
Absolute .066 .062
Positive .066 .062
Negative -.055 -.051
Kolmogorov-Smirnov Z .830 .778
Asymp. Sig. (2-tailed) .496 .580
(12)
Lampiran 4
1. Uji Hipotesis Pertama
Model Summary Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .672a .451 .444 .03615
a. Predictors: (Constant), dummy_log_pendapatan, log_pendapatan
ANOVAb Model
Sum of
Squares df Mean Square F Sig.
1 Regression .168 2 .084 64.188 .000a
Residual .204 156 .001
Total .372 158
a. Predictors: (Constant), dummy_log_pendapatan, log_pendapatan b. Dependent Variable: log_biaya_operasional
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B
Std.
Error Beta
1 (Constant) .020 .005 4.496 .000
log_pendapatan .654 .067 .727 9.724 .000
dummy_log_pendapatan -.265 .201 -.099 -1.318 .189 a. Dependent Variable: log_biaya_operasional
(13)
2. Uji Hipotesis Kedua
Model Summary Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .684a .468 .458 .03571
a. Predictors: (Constant),
dummybpr_dummylogpendapatan, log_pendapatan, dummy_log_pendapatan
ANOVAb Model
Sum of
Squares df Mean Square F Sig.
1 Regression .174 3 .058 45.496 .000a
Residual .198 155 .001
Total .372 158
a. Predictors: (Constant), dummybpr_dummylogpendapatan, log_pendapatan, dummy_log_pendapatan
b. Dependent Variable: log_biaya_operasional
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) .021 .004 4.617 .000
log_pendapatan .650 .066 .724 9.792 .000
dummy_log_pendapatan .213 .293 .079 .726 .469
dummybpr_dummylogpendap
atan -.702 .317 -.218 -2.214 .028
(14)
DAFTAR RIWAYAT HIDUP
Nama : Erlyna
Nim : 232009065
Alamat : Jalan Sindoro No 16 RT 05/ RW 02 Sidanegara Kab Cilacap 53222
Judul Skripsi : KELENGKETAN BIAYA DI BANK PERKREDITAN RAKYAT (BPR) PEMERINTAH DAERAH
Pendidikan Formal
SD Negeri 02 Cilacap (1997 – 2003)
SMP Negeri 02 Cilacap (2003 – 2006)
SMA Negeri 01 Cilacap (2006 – 2009)
Pengalaman Organisai
(1)
2. Uji Autokorelasi a. Hipotesis Pertama
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B
Std.
Error Beta
1 (Constant) 5.041E-5 .005 .011 .991
log_pendapatan .000 .068 .000 -.008 .993
dummy_log_pendapatan .001 .202 .001 .006 .996
LAGS RES 1 .018 .081 .018 .224 .823
a. Dependent Variable: Residual 1
b. Hipotesis Kedua
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B
Std.
Error Beta
1 (Constant) 4.346E-5 .005 .010 .992
log_pendapatan .000 .067 .000 -.005 .996
dummy_log_pendapatan .000 .296 .000 -.002 .999 dummybpr_dummylogpe
ndapatan .003 .321 .001 .008 .993
LAGS RES 2 .007 .081 .007 .090 .928
(2)
3. Uji Heteroskedasdisitas. a. Hipotesis Pertama
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) -8.913 .330 -26.977 .000
log_pendapatan 8.412 4.924 .170 1.708 .090
dummy_log_pendapatan -28.336 14.698 -.192 -1.928 .056 a. Dependent Variable: Ln_res1_sq
b. Hipotesis Kedua
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) -8.878 .316 -28.054 .000
log_pendapatan 7.902 4.716 .165 1.676 .096
dummy_log_pendapatan -51.579 20.790 -.361 -2.481 .014 dummybpr_dummylogpend
apatan 17.093 22.514 .100 .759 .449
(3)
4. Uji Normalitas Residual
One-Sample Kolmogorov-Smirnov Test
Residual 1 Residual 2
N 159 159
Normal Parametersa Mean .0000000 .0000000
Std. Deviation .03592115 .03536639
Most Extreme Differences
Absolute .066 .062
Positive .066 .062
Negative -.055 -.051
Kolmogorov-Smirnov Z .830 .778
Asymp. Sig. (2-tailed) .496 .580
(4)
Lampiran 4
1. Uji Hipotesis Pertama
Model Summary
Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .672a .451 .444 .03615
a. Predictors: (Constant), dummy_log_pendapatan, log_pendapatan
ANOVAb Model
Sum of
Squares df Mean Square F Sig.
1 Regression .168 2 .084 64.188 .000a
Residual .204 156 .001
Total .372 158
a. Predictors: (Constant), dummy_log_pendapatan, log_pendapatan b. Dependent Variable: log_biaya_operasional
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B
Std.
Error Beta
1 (Constant) .020 .005 4.496 .000
log_pendapatan .654 .067 .727 9.724 .000
dummy_log_pendapatan -.265 .201 -.099 -1.318 .189 a. Dependent Variable: log_biaya_operasional
(5)
2. Uji Hipotesis Kedua
Model Summary Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .684a .468 .458 .03571
a. Predictors: (Constant),
dummybpr_dummylogpendapatan, log_pendapatan, dummy_log_pendapatan
ANOVAb Model
Sum of
Squares df Mean Square F Sig.
1 Regression .174 3 .058 45.496 .000a
Residual .198 155 .001
Total .372 158
a. Predictors: (Constant), dummybpr_dummylogpendapatan, log_pendapatan, dummy_log_pendapatan
b. Dependent Variable: log_biaya_operasional
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) .021 .004 4.617 .000
log_pendapatan .650 .066 .724 9.792 .000
dummy_log_pendapatan .213 .293 .079 .726 .469 dummybpr_dummylogpendap
atan -.702 .317 -.218 -2.214 .028
(6)
DAFTAR RIWAYAT HIDUP
Nama : Erlyna
Nim : 232009065
Alamat : Jalan Sindoro No 16 RT 05/ RW 02 Sidanegara Kab Cilacap 53222
Judul Skripsi : KELENGKETAN BIAYA DI BANK PERKREDITAN RAKYAT (BPR) PEMERINTAH DAERAH
Pendidikan Formal
SD Negeri 02 Cilacap (1997 – 2003)
SMP Negeri 02 Cilacap (2003 – 2006)
SMA Negeri 01 Cilacap (2006 – 2009)
Pengalaman Organisai