Analisis Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Murabahah Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2010-2014

Lampiran 1
Data Pembiayaan Mudharabah, Pembiayaan Musyarakah, Pembiayaan
Murabahah, dan Return On Asset di Bank Umum Syariah Periode 2010 –
2014
Bank Umum
Syariah

BCA
SYARIAH

MEGA
SYARIAH

BNI
SYARIAH

BANK
SYARIAH
MANDIRI

MUAMALAT


BRI
SYARIAH

Tahun
31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014
31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014
31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014

31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014
31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014
31 Desember 2010
31 Desember 2011
31 Desember 2012
31 Desember 2013
31 Desember 2014

Mudharabah

Musyarakah


Murabahah

91,475,000,000
47,322,000,000
106,465,558,325
12,910,177,743
193,776,200,188
336,727,157,206
124,763,336,476
339,617,374,086
435,053,719,392
201,866,665,217
532,542,259,329
597,422,266,365
188,351,931,162
810,923,609,821
948,034,172,205
2,861,856,000
137,391,292,000 2,875,314,833,000
1,155,626,000

66,958,053,000 3,337,997,140,000
1,155,688,000
33,275,692,000 5,233,839,144,000
1,850,000,000
41,907,203,000 6,714,437,813,000
8,818,900,000
30,733,628,000 5,183,515,388,000
83,201,000,000
594,566,000,000 2,494,341,000,000
89,383,000,000
855,953,000,000 3,099,040,000,000
287,064,000,000
966,531,000,000 4,734,352,000,000
709,128,000,000 1,059,082,000,000 7,969,128,000,000
1,016,696,000,000 1,405,003,000,000 11,292,122,000,000
4,173,681,797,450 4,221,305,155,711 12,681,133,009,729
4,590,780,845,924 5,112,172,432,733 19,773,813,386,544
4,161,500,769,523 6,049,076,989,927 27,549,264,479,714
3,703,697,897,843 7,048,707,025,566 33,207,375,747,131
3,006,253,323,800 7,330,831,581,835 33,714,638,093,696

1,364,534,388,000 5,979,043,571,000 6,441,601,218,000
1,498,296,551,000 8,176,819,533,000 10,042,862,193,000
1,942,362,217,000 12,359,005,768,000 15,995,341,553,000
2,170,219,003,000 17,855,906,306,000 19,366,212,988,000
1,723,618,638,000 19,549,525,035,000 20,172,146,338,000
387,425,000,000
922,365,000,000 3,350,255,000,000
598,464,000,000 1,123,372,000,000 5,275,740,000,000
859,252,000,000 1,737,831,000,000 6,966,407,000,000
936,688,000,000 3,033,517,000,000 8,849,045,000,000
876,311,000,000 4,089,920,000,000 9,858,575,000,000

Sumber: data diolah

Universitas Sumatera Utara

ROA
1.13
1.80
0.80

1.00
0.80
1.90
1.58
3.81
2.33
0.29
0.61
1.29
1.48
1.37
1.27
2.21
1.95
2.25
1.53
0.17
1.36
1.52
1.54

0.50
0.17
0.35
0.20
1.19
1.15
0.08

Lampiran 2
OUTPUT SPSS
1. Hasil Uji Asumsi Klasik
Uji Normalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
30

N
Normal Parameters(a,b)

Mean


1.2543

Std. Deviation

.81548

Most Extreme

Absolute

.111

Differences

Positive

.111

Negative


-.075

Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
a Test distribution is Normal.
b Calculated from data.

.611
.850

Universitas Sumatera Utara

Uji Multikolinieritas
Coefficients a

Model
1

(Constant)

Ln_Mudharabah
Ln_Musyarakah
Ln_Murabahah

Unstandardized
Coefficients
B
Std. Error
,604
2,689
-,078
,029
,054
,136
,037
,139

Standardized
Coefficients
Beta

-,676
,129
,063

t
,225
-2,699
,400
,265

Sig.
,824
,012
,692
,793

Collinearity Statistics
Tolerance
VIF
,395
,237
,435

a. Dependent Variable: ROA

Universitas Sumatera Utara

2,529
4,222
2,300

Uji Heteroskedastisitas

Uji Autokorelasi
b
Model Summ ary

Model
1

R
,596a

R Square
,355

Adjust ed
R Square
,280

St d. E rror of
the Es timate
,69173

DurbinW atson
1,347

a. Predic tors: (Constant), Ln_Murabahah, Ln_Mudharabah, Ln_
Musyarakah
b. Dependent Variable: ROA

Universitas Sumatera Utara

2. Hasil Analisis Regresi
b

Model Summary
Model

R

R Square

Adjusted R Square

Std. Error of the
Estimate

1
a.

,596

a

,355

,280

,69173

Predictors: (Constant), LN Murabahah, LN Mudharabah, LN Musyarakah
b.

Dependent Variable: ROA

b

ANOVA
Model

Sum of Squares
Regression

1

Df

Mean Square

F

6,844

3

2,281

Residual

12,441

26

,478

Total

19,285

29

Sig.

4,768

,009

b

a. Dependent Variable: ROA
b. Predictors: (Constant), LN Murabahah, LN Mudharabah, LN Musyarakah

Coefficients
Model

Unstandardized

Standardized

Coefficients

Coefficients

B
(Constant)
1

b.

a

Std. Error
,604

2,689

LN Mudharabah

-,078

,029

LN Musyarakah

,054

LN Murabahah

,037

t

Sig.

Beta
,225

,824

-,676

-2,699

,012

,136

,129

,400

,692

,139

,063

,265

,793

Dependent Variable: ROA

Sumber: Hasil pengolahan data dari SPSS

Universitas Sumatera Utara

Lampiran 3
Durbin-Watson Statistic: 5 Per Cent Significance Points of dL and dU

Universitas Sumatera Utara

Lampiran 4
DISTRIBUTION TABEL NILAI F 0,05

Universitas Sumatera Utara

Lampiran 5
DISTRIBUSI NILAI ttabel
d.f
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
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

t0.10
3.078
1.886
1.638
1.533
1.476
1.440
1.415
1.397
1.383
1.372
1.363
1.356
1.350
1.345
1.341
1.337
1.333
1.330
1.328
1.325
1.323
1.321
1.319
1.318
1.316
1.315
1.314
1.313
1.311
1.310
1.309
1.309
1.308
1.307
1.306
1.306
1.305
1.304
1.304
1.303
1.303
1.302
1.302
1.301
1.301
1.300
1.300
1.299
1.299
1.299
1.298
1.298
1.298
1.297
1.297
1.297
1.297
1.296
1.296
1.296

t0.05
6.314
2.920
2.353
2.132
2.015
1.943
1.895
1.860
1.833
1.812
1.796
1.782
1.771
1.761
1.753
1.746
1.740
1.734
1.729
1.725
1.721
1.717
1.714
1.711
1.708
1.706
1.703
1.701
1.699
1.697
1.696
1.694
1.692
1.691
1.690
1.688
1.687
1.686
1.685
1.684
1.683
1.682
1.681
1.680
1.679
1.679
1.678
1.677
1.677
1.676
1.675
1.675
1.674
1.674
1.673
1.673
1.672
1.672
1.671
1.671

t0.025
12.71
4.303
3.182
2.776
2.571
2.447
2.365
2.306
2.262
2.228
2.201
2.179
2.160
2.145
2.131
2.120
2.110
2.101
2.093
2.086
2.080
2.074
2.069
2.064
2.060
2.056
2.052
2.048
2.045
2.042
2.040
2.037
2.035
2.032
2.030
2.028
2.026
2.024
2.023
2.021
2.020
2.018
2.017
2.015
2.014
2.013
2.012
2.011
2.010
2.009
2.008
2.007
2.006
2.005
2.004
2.003
2.002
2.002
2.001
2.000

t0.01
31.82
6.965
4.541
3.747
3.365
3.143
2.998
2.896
2.821
2.764
2.718
2.681
2.650
2.624
2.602
2.583
2.567
2.552
2.539
2.528
2.518
2.508
2.500
2.492
2.485
2.479
2.473
2.467
2.462
2.457
2.453
2.449
2.445
2.441
2.438
2.434
2.431
2.429
2.426
2.423
2.421
2.418
2.416
2.414
2.412
2.410
2.408
2.407
2.405
2.403
2.402
2.400
2.399
2.397
2.396
2.395
2.394
2.392
2.391
2.390

t0.005
63.66
9.925
5.841
4.604
4.032
3.707
3.499
3.355
3.250
3.169
3.106
3.055
3.012
2.977
2.947
2.921
2.898
2.878
2.861
2.845
2.831
2.819
2.807
2.797
2.787
2.779
2.771
2.763
2.756
2.750
2.744
2.738
2.733
2.728
2.724
2.719
2.715
2.712
2.708
2.704
2.701
2.698
2.695
2.692
2.690
2.687
2.685
2.682
2.680
2.678
2.676
2.674
2.672
2.670
2.668
2.667
2.665
2.663
2.662
2.660

d.f
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

t0.10
1.296
1.296
1.296
1.296
1.296
1.295
1.295
1.295
1.295
1.295
1.295
1.295
1.295
1.295
1.295
1.294
1.294
1.294
1.294
1.294
1.294
1.294
1.294
1.294
1.294
1.293
1.293
1.293
1.293
1.293
1.293
1.293
1.293
1.293
1.293
1.292
1.292
1.292
1.292
1.292
1.292
1.292
1.292
1.292
1.292
1.291
1.291
1.291
1.291
1.291
1.291
1.291
1.291
1.291
1.291
1.290
1.290
1.290
1.290
1.290

t0.05
1.671
1.671
1.670
1.670
1.670
1.670
1.670
1.670
1.669
1.669
1.669
1.669
1.669
1.668
1.668
1.668
1.668
1.668
1.668
1.667
1.667
1.667
1.667
1.667
1.666
1.666
1.666
1.666
1.666
1.666
1.665
1.665
1.665
1.665
1.665
1.664
1.664
1.664
1.664
1.664
1.663
1.663
1.663
1.663
1.663
1.663
1.662
1.662
1.662
1.662
1.662
1.661
1.661
1.661
1.661
1.661
1.661
1.660
1.660
1.660

t0.025
2.000
1.999
1.999
1.999
1.998
1.998
1.998
1.997
1.997
1.997
1.996
1.996
1.996
1.995
1.995
1.995
1.994
1.994
1.994
1.993
1.993
1.993
1.992
1.992
1.992
1.991
1.991
1.991
1.990
1.990
1.990
1.989
1.989
1.989
1.988
1.988
1.988
1.987
1.987
1.987
1.986
1.986
1.986
1.985
1.985
1.985
1.984
1.984
1.984
1.983
1.983
1.983
1.982
1.982
1.982
1.981
1.981
1.981
1.980
1.980

t0.01
2.390
2.389
2.389
2.388
2.388
2.387
2.387
2.386
2.386
2.385
2.385
2.384
2.384
2.383
2.383
2.382
2.382
2.381
2.381
2.380
2.380
2.379
2.379
2.378
2.378
2.377
2.377
2.376
2.376
2.375
2.374
2.374
2.373
2.373
2.372
2.372
2.371
2.371
2.370
2.370
2.369
2.369
2.368
2.368
2.367
2.367
2.366
2.366
2.365
2.365
2.364
2.364
2.363
2.363
2.362
2.362
2.361
2.361
2.360
2.360

Universitas Sumatera Utara

t0.005
2.659
2.659
2.658
2.657
2.657
2.656
2.655
2.655
2.654
2.653
2.653
2.652
2.651
2.651
2.650
2.649
2.649
2.648
2.647
2.647
2.646
2.645
2.645
2.644
2.643
2.643
2.642
2.641
2.641
2.640
2.639
2.639
2.638
2.637
2.637
2.636
2.635
2.635
2.634
2.633
2.633
2.632
2.631
2.631
2.630
2.629
2.629
2.628
2.627
2.627
2.626
2.625
2.625
2.624
2.623
2.623
2.622
2.621
2.621
2.620

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