Pengaruh Faktor Internal Terhadap Volume Kredit Perbankan Terbuka Di Indonesia
Lampiran 1
Tabulasi Data Keuangao (DPK, CAR, ROA, NPL dan Volume Kredit)
Perusahaan Perbankan Terbuka 2011-2013
N
DPK (Jutaan
CAR (%)
ROA
NPL
Voiume Kredit
Rupiah)
(%)
(%)
(Jutaan Rupiah)
1
16,296,638
12.65
0.72
1.85
13,399,447
2
17,399,114
16.45
0.66
0.8
15,212,135
3
17,363,406
15.82
1.39
1.76
15,431,270
4
6,011,364
10.12
1.64
6.25
4,944,114
5
6,433,765
11.21
0.098
5.78
5,043,065
6
6,834,891
13.09
0.93
4.88
5,378,179
7
323,428,000
12.7
3.8
0.5
19,844,000
8
370,274,000
15.7
3.6
0.4
252,761,000
9
409,436,000
14.2
3.8
0.4
306,679,000
10
11,199,974
9.41
.17
1.46
9,397,094
11
13,461,508
10.09
1.06
3.16
11,148,050
12
11,558,081
14.03 7.582.6
3.61
11,131,807
13
88,054,000
17.6
2.7
2.5
101,859,000
14
91,675,000
18.9
2.5
2.3
116,583,000
15
110,807,000
17.9
4.75
1.9
135,383,000
16
5,322,511
12.02
0.98
4.75
3,554,336
17
6,756,642
13.27
1.23
0.98
5,654,001
18
7,673,461
11.43
1.13
1.23
6,788,775
19
70,322,917
11.83
1.62
1.13
65,995,422
20
85,946,647
12.83
1.71
1.62
79,827,388
21
107,239,558
12.72
0.46
1.71
100,977,345
22
2,644,465
45.75
0.81
0.46
1,983,974
23
3,633,084
27.76
0.07
0.81
3,168,908
24
7,244,934
18.73
.03
0.07
8,197,682
25
89,936,000
15.03
1.94
2.03
63,564,000
26
115,479,000
17.69
1.79
1.94
81,411,000
27
139,562,000
15.62
3.37
1.79
100,467,000
28
422,250,404
15.34
3.55
3.378
314,380,848
29
482,914,118
15.48
3.66
3.55
388,830,299
30
556,341,661
14.93
2.07
3.66
472,435,041
31
10,667,300
14.68
2.03
2.07
8,758,300
32
15,160,600
10.93
1.94
2.41
12,216,200
33
20,657,000
14.07
1.79
2.53
17,683,600
34
49,139,000
11.86
3.37
2.29
31,798,000
35
50,265,000
16.83
2.74
2.09
26,996,000
36
52,379,000
15.74
1.74
2.15
30,175,000
37
231,296,000
17.6
2.9
3.6
163,533,000
83
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38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
257,661,000
291,890,000
131,814,304
151,015,119
163,737,362
47,419,539
60,760,680
68,936,691
5,653,943
6,925,186
8,358,395
85,749,000
102,695,000
120,257,000
82,783,287
104,914,477
133,074,926
384,264,000
450,166,000
504,281,000
1,675,845
1,972,256
2,740,214
95,858,000
107,916,000
111,645,000
9,249,008
11,515,732
15,132,256
16.7
15.1
13.16
15.16
15.36
13.75
16.49
19.28
13.14
12.17
15.75
17.5
14.67
15.32
14.07
15.86
14.28
14.96
16.95
16.99
23.19
21.1
15.12
12.71
16.34
15.12
14.86
17.96
18.2
2.9
3.4
2.85
3.18
2.76
1.91
1.79
1.81
1.53
1.57
1.58
2.02
1.96
1.85
1.66 :
1.7
1.55
4.93
5.15
5.03
3.66
3.14
3.87
1.87
1.83
1.75
2.65
2.17
1.99
2.8
2.2
1.46
1.11
1.55
0.59
0.37
0.35
0.78
0.58
0.45
0.92
0.48
0.75
0.55
0.41
0.31
2.3
1.78
1.55
1.41
0.86
0.86
2.88
2.66
2.26
0.22
1.76
0
200,742,000
250,638,000
122,284,867
141,644,823
152,909,465
40,541,352
51,874,088
62,706,614
4,810,027
5,884,623
7,066,300
69,079,000
91,652,000
103,072,000
68,204,434
93,705,893
118,368,843
294,515,000
362,007,000
448,345,000
1,413,687
1,825,423
2,547,310
40,748,000
45,531,000
48,461,000
5,558,636
7,580,958
11,076,019
84
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Lampiran 2
Tabulasi Data Keuangan (DPK, CAR, ROA, NPL dan Volume Kredit)
Perusahaan Perbankan Terbuka 2011-2013 Ditransformasi Ke Bentuk
Logaritma Natural (NL)
N
DPK (Jutaan
CAR (%)
ROA
NPL
Volume Kredit
Rupiah)
(%)
(%)
(Jutaan Rupiah)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
16.61
16.67
16.67
15.61
15.68
15.74
19.59
19.73
19.83
16.23
16.42
16.26
18.29
18.33
18.52
15.49
15.73
15.85
18.07
18.27
18.49
14.79
15.11
15.8
18.31
18.56
18.75
19.86
20
20.14
16.18
16.53
16.84
17.71
17.73
2.54
2.8
2.76
2.31
2.42
2.57
2.54
2.75
2.65
2.24
2.31
2.64
2.87
2.94
2.88
2.49
2.59
2.44
2.47
2.55
2.54
3.82
3.32
2.93
2.71
2.87
2.75
2.73
2.74
2,7
2.69
2.39
2.64
2.47
2.82
-0.33
-0.42
0.33
0,49
-2.41
-0.07
1,34
1,28
1.34
0.77
0.06
2.03
0.96
0.99
0.92
1.56
-0.02
0.21
0.12
0.48
0.54
-0.78
0.00
-2,66
0.71
0.66
0.58
1.21
1.27
1.3
0.73
0.88
0.93
0.83
1.01
0.62
-0.22
0.57
1.83
1.75
1.59
-0.69
-0.92
-0.92
1.5
1.15
1.28
0.92
0.83
0.64
1.37
1.57
1.22
0.1
-0.21
0.44
-0.2
-1.17
-2.3
0.8
1.14
1.11
-0.8
-0.99
-0.99
0.41
0.76
0.45
-0.04
0.74
16,41
16.54
16.55
15,41
15,43
15.5
16.8
19.35
19.54
16.06
16.23
16.23
18.44
18.57
18.72
15.08
15.55
15.73
18.01
18.2
18.43
14.5
14.97
15.92
17.97
18.22
18.43
19.57
19.78
19.97
15.99
16.32
16.69
17.27
17.11
85
Universitas Sumatera Utara
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
17.77
19.26
19.37
19.49
18.7
18.83
18.91
17.67
17.92
18.05
15.55
15.75
15.94
18.27
18.45
18.61
18.23
18.47
18.71
19.77
19.93
20.04
14.33
14.49
14.82
18.38
18.5
18.5
16.04
16.26
16.53
2.76
2.87
2.82
2.71
2.58
2.72
2.73
2.62
2.8
2.96
2.58
2.5
2.76
2.86
2.69
2.73
2.64
2.76
2.66
2.71
2.83
2.83
3.14
3.05
2.73
2.54
2.79
2.72
2.7
2.89
2.9
0.55
1.06
1.06
1.22
1.05
1.16
1.02
0.65
0.58
0.59
0.43
0.45
0.46
0.7
0.67
0.62
0.51
0.53
0.44
1.6
1.64
1.62
1.3
1.14
1.34
0.63
0.6
0.56
0.97
0.77
0.69
0.77
1.28
1.03
0.79
0.38
0.1
0.44
-0.53
-0.99
-1.05
-0.25
-0.54
-0.8
-0.08
-0.73
-0.29
-0.6
-0.89
-1.17
0.83
0.58
0.44
0.34
-0.15
-0.21
1.06
0.98
0.82
-1.51
0.57
0.10
17.22
18.91
19.12
19.34
18.62
18.77
18.85
17.52
17.76
17.95
15.39
15.59
15.77
18.05
18.33
18.45
18.04
18.36
18.59
19.5
19.71
19.92
14.16
14.42
14,75
17.52
17.63
17,7
15.53
15.84
16.22
86
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Lampiran 3
Statistics deskripsi Variabel Penelitian (DPK, CAR, ROA, NPL, dan Volume
Kredit) 2011-2013
Descriptive
Descriptive Statistics
DPK
CAR
ROA
NPL
Volume_Kredit
Valid N (listwise)
N
Minimum
Maximum
Mean
Std, Deviation
66
66
56
66
66
66
1.675.845
9,41
7.58
.10
1.168.908
556.341-661
45.75
5.15
6.25
488.845.000
1,1 4E8
15.6577
1.8726
1.7456
9,8957
1.446E8
4.82766
1.93897
1.42550
1.317E8
87
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Lampiran 4
Uji Asumsi Klasik
a. Uji Normalitas
NPar Tests
One-Sample Kolmogorov-Smirnov Test
N
Normai Parametersa.d
Mean
Std. Deviation
Most Extreme Differences Absolute
Positive
Negative
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
Unstandardized
Residual
66
.0000000
.28738400
.138
.089
-.138
1.118
.164
a. Test distribution is Normal,
b. Calculated from data.
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b. Uji Heteroskedastisitas
Hasil Uji Glejser
Coefficientsa
Mode
Unstandardized Coefficients
B
1
(Constant)
LN_DPK
LN_CAR
LN_ROA
LN NPL
Std Error
-.739
.050
.014
.012
-.013
.721
.028
.173
.060
.045
Standardized
Coefficients
Beta
t
.259
.011
.028
-.038
-1.025
1.781
.033
.194
-.293
Sig.
.309
.080
.934
.847
.770
a. Dependent Variable: absut
89
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c. Uji Multikolonearitas
Model
Unstandardized
Coefficients
B
1
Standardized
Coefficients
Std. Error
(Constant)
LN_DPK
LN_CAR
LN_ROA
LN_NPL
-1.592
1.020
.364
.030
-.043
.689
.027
.165
,058
.043
t
Sis.
Beta
Collinearity Statistics
Toleranc
e
.978
.051
.013
-.024
-2.310
37.694
2.202
522
-1.014
.024
.000
.031
.603
.315
711
891
729
888
VIF
1.406
1.123
1.371
1.27
d. Uji Autokorealsi
Model Summary"
Model
1
R
R Square
.985a
Adjusted R Square
.971
Std. Error of the
Estimate
.969
.29666
Durbin-Watson
1.892
a Predictors: (Constant), LN_NPL, LN_ROA, LN^CAR, LNJDPK
b. Dependent Variable: LN_Volume Kredit
90
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Lampiran 5
Pengujian Hipoteis
a. Uji Signifikansi Simultan (Uji F)
ANOVA"
Model
1
Sum of Squares df
Regression
F
178.544
4
44.636
5.363
61
.088
183.912
65
Residual
Total
Mean Square
Sig.
.000a
507.196
a. Predictors: (Constant), LN_NPL, LN_ROA, LN_CAR, LN_DPK
b. Dependent Variable: LN_Volume_Kredit
b. Uji Signifikansi Parsial (Uji t)
Coefficients3
Model
Unstandardized
Coefficients
B
1
(Constant)
LN_DPK
LN_CAR
Standardized
Coefficients
Std. Error
-1.592
1.020
.364
.689
.027
.165
LN_ROA
.030
,058
LN_NPL
-.043
.043
t
Sis.
Beta
-2.310
37.694
2.202
.024
.000
.031
.013
522
.603
-.024
-1.014
.315
.978
.051
a. Dependent Variable: LN Volume Kredit
c. Uji Koefisien determinasi (R2)
Model Summary"
Model
1
R
.985a
R Square
.971
Adjusted R Square
.969
Std. Error of the
Estimate
.29666
Durbin-Watson
1.892
a Predictors: (Constant), LN_NPL, LN_ROA, LNCAR, LNJDPK
b. Dependent Variable: LN_Volume Kredit
91
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