Pengaruh CAR, LDR, BOPO, dan NPL Terhadap Profitabilitas Perbankan (Studi pada Bank yang Listed di Bursa Efek Indonesia Tahun 2010-2012)
LAMPIRAN
Universitas Sumatera Utara
Lampiran 1
NO
1
2
3
4
5
6
7
8
9
10
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BDMN
BJBR
11
12
13
14
15
16
17
BMRI
BNBA
BNGA
BNII
BSIM
BSWD
BTPN
18
19
20
21
BVIC
INPC
MAYA
MCOR
22
23
24
MEGA
NISP
PNBN
Sampel penelitian
NAMA BANK
PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank Capital Indonesia Tbk
PT Bank Ekonomi Raharja Tbk
PT Bank Central Asia Tbk
PT Bank Bukopin Tbk
PT Bank Negara Indonesia Tbk
PT Bank Nusantara Parahyangan Tbk
PT Bank Rakyat Indonesia Tbk
PT Bank Danamon Indonesia Tbk
PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk
PT Bank Mandiri Tbk
PT Bank Bumi Arta Tbk
PT Bank CIMB Niaga Tbk
PT Bank Internasional Indonesia Tbk
PT Bank Sinarmas Tbk
PT Bank of India Indonesia Tbk
PT Bank Tabungan Pensiunan Nasional
Tbk
PT Bank Victoria International Tbk
PT Bank Artha Graha International Tbk
PT Bank Mayapada Internasional Tbk
PT Bank Windu Kentjana International
Tbk
PT Bank Mega Tbk
PT Bank NISP OCBC Tbk
PT Bank Pan Indonesia Tbk
LISTING DATE
8 Agustus 2003
8 Oktober 2007
8 Januari 2008
31 Mei 2000
10 Juli 2006
25 November 1996
10 Januari 2001
10 November 2003
6 Desember 1989
8 Juli 2010
14 Juli 2003
31 Desember 1999
29 November 1989
21 November 1989
13 Desember 2010
1 Mei 2002
12 Maret 2008
30 Juni 1999
29 Agustus 1990
29 Agustus 1997
3 Juli 2007
17 April 2000
20 Oktober 1994
29 Desember 1982
Universitas Sumatera Utara
Lampiran 2
Data Rasio Keuangan Bank
Capital Adequacy Ratio(CAR) Bank yang Terdaftar di BEI Tahun
2010 -2012
No.
Emiten
Capital Adequacy Ratio (%)
Rata - rata
2010
2011
2012
1
AGRO
14.95
16.39
14.80
15.38
2
BACA
29.29
21.58
18.00
22.96
3
BAEK
19.05
16.37
14.21
16.54
4
BBCA
13.50
12.70
14.20
13.47
5
BBKP
12.55
12.71
16.34
13.87
6
BBNI
18.60
17.60
16.70
17.63
7
BBNP
12.76
13.45
12.76
12.99
8
BBRI
13.76
14.96
16.95
15.22
9
BDMN
16.00
17.60
18.90
17.50
10
BJBR
22.85
18.36
18.11
19.77
11
BMRI
13.40
15.00
15.30
14.57
12
BNBA
24.64
19.96
19.18
21.26
13
BNGA
13.27
13.09
15.08
13.81
14
BNII
12.51
11.83
12.83
12.39
15
BSIM
14.10
13.98
18.09
15.39
16
BSWD
26.91
23.19
21.10
23.73
17
BTPN
23.40
20.50
21.50
21.80
18
BVIC
10.80
14.86
17.96
14.54
19
INPC
13.65
12.65
16.45
14.25
20
MAYA
17.05
14.68
10.93
14.22
21
MCOR
17.12
11.67
13.86
14.22
22
MEGA
15.03
11.86
16.83
14.57
23
NISP
17.63
13.75
16.49
15.96
24
PNBN
16.65
17.45
14.67
16.26
17.06
15.67
16.30
16.35
Rata-rata per tahun
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Loan to Deposit Ratio (LDR) Bank yang Terdaftar di BEI Tahun
2010 -2012
No
Emiten
Loan to Deposit Ratio (%)
Rata - rata
2010
2011
2012
1
AGRO
85.68
85.79
82.48
84.65
2
BACA
50.60
44.24
59.06
51.30
3
BAEK
62.44
70.06
81.82
71.44
4
BBCA
55.2
61.7
68.6
61.83
5
BBKP
71.85
85.01
83.81
80.22
6
BBNI
70.2
70.4
77.5
72.70
7
BBNP
80.41
85.02
84.94
83.46
8
BBRI
75.17
76.20
79.85
77.07
9
BDMN
93.80
98.30
100.60
97.57
10
BJBR
71.54
72.95
74.09
72.86
11
BMRI
67.60
74.10
80.10
73.93
12
BNBA
54.18
67.53
77.95
66.55
13
BNGA
88.04
94.41
95.04
92.50
14
BNII
89.03
95.07
92.97
92.36
15
BSIM
73.64
69.50
80.78
74.64
16
BSWD
87.36
85.71
93.21
88.76
17
BTPN
91.00
85.00
86.00
87.33
18
BVIC
40.22
63.62
67.59
57.14
19
INPC
76.13
82.21
87.42
81.92
20
MAYA
83.77
82.10
80.58
82.15
21
MCOR
81.29
79.3
80.22
80.27
22
MEGA
56.03
63.75
52.39
57.39
23
NISP
80.00
87.04
86.79
84.61
24
PNBN
74.22
80.36
88.46
81.01
77.47
80.93
77.24
Rata-rata per tahun 73.31
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Biaya Operasional terhadap Pendapatan Operasional (BOPO) Bank yang
Terdaftar di BEI Tahun 2010 -2012
Biaya Operasional terhadap
No Emiten
Pendapatan Operasional (%)
Rata rata
2010
2011
2012
1
AGRO
95.97
91.65
86.54
91.39
2
BACA
91.75
92.82
86.85
90.47
3
BAEK
76.32
81.00
90.02
82.45
4
BBCA
64.30
60.90
62.40
62.53
5
BBKP
84.98
82.05
81.42
82.82
6
BBNI
76.00
72.60
71.00
73.20
7
BBNP
85.17
85.77
85.18
85.37
8
BBRI
70.86
66.69
59.93
65.83
9
BDMN
81.10
79.30
75.00
78.47
10
BJBR
76.60
80.02
80.02
78.88
11
BMRI
65.63
67.20
63.90
65.58
12
BNBA
85.15
86.68
78.71
83.51
13
BNGA
76.80
76.10
71.70
74.87
14
BNII
92.26
92.75
87.87
90.96
15
BSIM
91.41
93.55
83.75
89.57
16
BSWD
73.35
67.51
72.31
71.06
17
BTPN
80.00
76.55
74.03
76.86
18
BVIC
88.21
78.33
78.82
81.79
19
INPC
91.75
92.43
93.03
92.40
20
MAYA
93.82
83.38
79.93
85.71
21
MCOR
91.21
92.97
81.74
88.64
22
MEGA
77.79
81.84
76.73
78.79
23
NISP
83.25
79.85
78.93
80.68
24
PNBN
76.04
80.26
78.74
78.35
80.93
78.27
80.42
Rata-rata per tahun 82.07
Sumber : Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Non Performing Loan (NPL) Bank yang Terdaftar di BEI Tahun
2010 - 2012
No Emiten
Non Performing Loan (%)
Rata - rata
2010
2011
2012
1
AGRO
8.82
3.55
3.71
5.36
2
BACA
1.03
0.81
2.11
1.32
3
BAEK
0.35
0.74
0.28
0.46
4
BBCA
0.60
0.50
0.40
0.50
5
BBKP
3.22
2.88
2.66
2.92
6
BBNI
4.30
3.60
2.80
3.57
7
BBNP
0.67
0.88
0.97
0.84
8
BBRI
1.78
2.30
2.78
2.29
9
BDMN
3.00
2.50
2.30
2.60
10
BJBR
1.86
1.21
2.07
1.71
11
BMRI
2.40
2.20
1.90
2.17
12
BNBA
2.25
1.07
0.63
1.32
13
BNGA
2.59
2.64
2.29
2.51
14
BNII
3.09
2.14
1.7
2.31
15
BSIM
1.26
0.88
3.18
1.77
16
BSWD
3.55
1.98
1.40
2.31
17
BTPN
1.10
0.70
0.60
0.80
18
BVIC
5.04
2.38
2.30
3.24
19
INPC
2.58
2.96
0.85
2.13
20
MAYA
3.27
2.51
3.02
2.93
21
MCOR
2.08
2.18
1.98
2.08
22
MEGA
0.90
0.98
2.09
1.32
23
NISP
1.99
1.26
0.91
1.39
24
PNBN
4.37
3.56
1.69
3.21
1.93
1.86
2.13
Rata-rata per tahun 2.59
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Return on Assets (ROA) Bank yang Terdaftar di BEI Tahun2010 -2012
No Emiten
Return on Assets (%)
Rata - rata
2010
2011
2012
1
AGRO
0.46
0.94
0.81
0.74
2
BACA
0.52
0.57
0.83
0.64
3
BAEK
1.38
1.00
0.75
1.04
4
BBCA
2.61
2.83
2.64
2.69
5
BBKP
1.04
1.3
1.27
1.20
6
BBNI
1.65
1.94
2.11
1.90
7
BBNP
0.96
1.03
1.04
1.01
8
BBRI
2.84
3.21
3.39
3.15
9
BDMN
2.52
2.39
2.64
2.52
10
BJBR
2.05
1.77
1.68
1.83
11
BMRI
2.05
2.22
2.44
2.24
12
BNBA
1.05
1.42
1.64
1.37
13
BNGA
1.78
1.90
2.15
1.94
14
BNII
0.70
0.70
0.78
0.73
15
BSIM
0.89
0.67
1.49
1.02
16
BSWD
2.23
2.30
2.12
2.22
17
BTPN
2.42
0.7
0.6
1.24
18
BVIC
1.03
1.58
1.43
1.35
19
INPC
0.48
0.52
0.65
0.55
20
MAYA
0.78
1.3
1.53
1.20
21
MCOR
0.64
0.55
1.44
0.88
22
MEGA
1.84
1.73
2.11
1.89
23
NISP
0.83
1.25
1.16
1.08
24
PNBN
1.33
1.65
1.53
1.50
1.48
1.59
1.50
Rata-rata per tahun 1.42
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Lampiran 3
Hasil SPSS
UJI NORMALITAS
Histogram
Normal P-Plot
Universitas Sumatera Utara
Uji Kolmogorov-Smirnov
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
72
a,,b
Mean
.0000000
Std. Deviation
Most Extreme Differences
.00351879
Absolute
.116
Positive
.116
Negative
-.058
Kolmogorov-Smirnov Z
.986
Asymp. Sig. (2-tailed)
.285
a. Test distribution is Normal.
b. Calculated from data.
HETEROSKEDASTISITAS
Coefficients
a
Universitas Sumatera Utara
Standardized
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
.004
.003
CAR
.014
.007
LDR
.002
BOPO
NPL
Coefficients
Beta
t
Sig.
1.290
.202
.225
1.960
.054
.002
.110
.959
.341
-.006
.003
-.236
-2.052
.044
-.017
.020
-.100
-.862
.392
a. Dependent Variable: absut
SETELAH TRANSFORMASI
NORMALITAS
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
Unstandardize
d Residual
N
Normal Parameters
72
a,,b
Mean
Std. Deviation
.0000000
.24694076
Most Extreme
Absolute
.065
Differences
Positive
.065
Negative
-.049
Kolmogorov-Smirnov Z
.552
Asymp. Sig. (2-tailed)
.921
a. Test distribution is Normal.
b. Calculated from data.
Universitas Sumatera Utara
HETEROSKEDASTISITAS
Coefficients
a
Standardize
Model
1
Unstandardized
d
Coefficients
Coefficients
B
(Constant
Std. Error
.325
.192
Ln_CAR
.078
.081
Ln_LDR
-.082
Ln_BOPO
Beta
t
Sig.
1.689
.096
.117
.964
.339
.095
-.105
-.859
.393
-.026
.152
-.021
-.171
.865
.002
.026
.011
.088
.930
)
Ln_NPL
a. Dependent Variable: absut
Universitas Sumatera Utara
AUTOKORELASI
b
Model Summary
Model
R
1
.886
Adjusted R
Std. Error of the
Square
Estimate
R Square
a
.785
.772
Durbin-Watson
.2542053
2.088
a. Predictors: (Constant), Ln_NPL, Ln_CAR, Ln_BOPO, Ln_LDR
b. Dependent Variable: Ln_ROA
MULTIKOLINEARITAS
Coefficients
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
(Constant)
Std. Error
-4.528
.337
Ln_CAR
.300
.143
Ln_LDR
.354
Ln_BOPO
Ln_NPL
a
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
-13.420
.000
.121
2.104
.039
.978
1.022
.167
.122
2.113
.038
.964
1.038
-3.997
.267
-.860
-14.979
.000
.975
1.026
.001
.045
.002
.029
.977
.950
1.052
a. Dependent Variable: Ln_ROA
Universitas Sumatera Utara
UJI t
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-4.528
.337
Ln_CAR
.300
.143
Ln_LDR
.354
Ln_BOPO
Ln_NPL
Coefficients
t
Sig.
-13.420
.000
.121
2.104
.039
.167
.122
2.113
.038
-3.997
.267
-.860
-14.979
.000
.001
.045
.002
.029
.977
a. Dependent Variable: Ln_ROA
UJI F
b
ANOVA
Model
1
Sum of Squares
Regression
Residual
Total
df
Mean Square
15.773
4
3.943
4.330
67
.065
20.102
71
F
61.020
Sig.
.000
a
a. Predictors: (Constant), Ln_NPL, Ln_CAR, Ln_BOPO, Ln_LDR
b. Dependent Variable: Ln_ROA
Universitas Sumatera Utara
Universitas Sumatera Utara
Lampiran 1
NO
1
2
3
4
5
6
7
8
9
10
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BDMN
BJBR
11
12
13
14
15
16
17
BMRI
BNBA
BNGA
BNII
BSIM
BSWD
BTPN
18
19
20
21
BVIC
INPC
MAYA
MCOR
22
23
24
MEGA
NISP
PNBN
Sampel penelitian
NAMA BANK
PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank Capital Indonesia Tbk
PT Bank Ekonomi Raharja Tbk
PT Bank Central Asia Tbk
PT Bank Bukopin Tbk
PT Bank Negara Indonesia Tbk
PT Bank Nusantara Parahyangan Tbk
PT Bank Rakyat Indonesia Tbk
PT Bank Danamon Indonesia Tbk
PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk
PT Bank Mandiri Tbk
PT Bank Bumi Arta Tbk
PT Bank CIMB Niaga Tbk
PT Bank Internasional Indonesia Tbk
PT Bank Sinarmas Tbk
PT Bank of India Indonesia Tbk
PT Bank Tabungan Pensiunan Nasional
Tbk
PT Bank Victoria International Tbk
PT Bank Artha Graha International Tbk
PT Bank Mayapada Internasional Tbk
PT Bank Windu Kentjana International
Tbk
PT Bank Mega Tbk
PT Bank NISP OCBC Tbk
PT Bank Pan Indonesia Tbk
LISTING DATE
8 Agustus 2003
8 Oktober 2007
8 Januari 2008
31 Mei 2000
10 Juli 2006
25 November 1996
10 Januari 2001
10 November 2003
6 Desember 1989
8 Juli 2010
14 Juli 2003
31 Desember 1999
29 November 1989
21 November 1989
13 Desember 2010
1 Mei 2002
12 Maret 2008
30 Juni 1999
29 Agustus 1990
29 Agustus 1997
3 Juli 2007
17 April 2000
20 Oktober 1994
29 Desember 1982
Universitas Sumatera Utara
Lampiran 2
Data Rasio Keuangan Bank
Capital Adequacy Ratio(CAR) Bank yang Terdaftar di BEI Tahun
2010 -2012
No.
Emiten
Capital Adequacy Ratio (%)
Rata - rata
2010
2011
2012
1
AGRO
14.95
16.39
14.80
15.38
2
BACA
29.29
21.58
18.00
22.96
3
BAEK
19.05
16.37
14.21
16.54
4
BBCA
13.50
12.70
14.20
13.47
5
BBKP
12.55
12.71
16.34
13.87
6
BBNI
18.60
17.60
16.70
17.63
7
BBNP
12.76
13.45
12.76
12.99
8
BBRI
13.76
14.96
16.95
15.22
9
BDMN
16.00
17.60
18.90
17.50
10
BJBR
22.85
18.36
18.11
19.77
11
BMRI
13.40
15.00
15.30
14.57
12
BNBA
24.64
19.96
19.18
21.26
13
BNGA
13.27
13.09
15.08
13.81
14
BNII
12.51
11.83
12.83
12.39
15
BSIM
14.10
13.98
18.09
15.39
16
BSWD
26.91
23.19
21.10
23.73
17
BTPN
23.40
20.50
21.50
21.80
18
BVIC
10.80
14.86
17.96
14.54
19
INPC
13.65
12.65
16.45
14.25
20
MAYA
17.05
14.68
10.93
14.22
21
MCOR
17.12
11.67
13.86
14.22
22
MEGA
15.03
11.86
16.83
14.57
23
NISP
17.63
13.75
16.49
15.96
24
PNBN
16.65
17.45
14.67
16.26
17.06
15.67
16.30
16.35
Rata-rata per tahun
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Loan to Deposit Ratio (LDR) Bank yang Terdaftar di BEI Tahun
2010 -2012
No
Emiten
Loan to Deposit Ratio (%)
Rata - rata
2010
2011
2012
1
AGRO
85.68
85.79
82.48
84.65
2
BACA
50.60
44.24
59.06
51.30
3
BAEK
62.44
70.06
81.82
71.44
4
BBCA
55.2
61.7
68.6
61.83
5
BBKP
71.85
85.01
83.81
80.22
6
BBNI
70.2
70.4
77.5
72.70
7
BBNP
80.41
85.02
84.94
83.46
8
BBRI
75.17
76.20
79.85
77.07
9
BDMN
93.80
98.30
100.60
97.57
10
BJBR
71.54
72.95
74.09
72.86
11
BMRI
67.60
74.10
80.10
73.93
12
BNBA
54.18
67.53
77.95
66.55
13
BNGA
88.04
94.41
95.04
92.50
14
BNII
89.03
95.07
92.97
92.36
15
BSIM
73.64
69.50
80.78
74.64
16
BSWD
87.36
85.71
93.21
88.76
17
BTPN
91.00
85.00
86.00
87.33
18
BVIC
40.22
63.62
67.59
57.14
19
INPC
76.13
82.21
87.42
81.92
20
MAYA
83.77
82.10
80.58
82.15
21
MCOR
81.29
79.3
80.22
80.27
22
MEGA
56.03
63.75
52.39
57.39
23
NISP
80.00
87.04
86.79
84.61
24
PNBN
74.22
80.36
88.46
81.01
77.47
80.93
77.24
Rata-rata per tahun 73.31
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Biaya Operasional terhadap Pendapatan Operasional (BOPO) Bank yang
Terdaftar di BEI Tahun 2010 -2012
Biaya Operasional terhadap
No Emiten
Pendapatan Operasional (%)
Rata rata
2010
2011
2012
1
AGRO
95.97
91.65
86.54
91.39
2
BACA
91.75
92.82
86.85
90.47
3
BAEK
76.32
81.00
90.02
82.45
4
BBCA
64.30
60.90
62.40
62.53
5
BBKP
84.98
82.05
81.42
82.82
6
BBNI
76.00
72.60
71.00
73.20
7
BBNP
85.17
85.77
85.18
85.37
8
BBRI
70.86
66.69
59.93
65.83
9
BDMN
81.10
79.30
75.00
78.47
10
BJBR
76.60
80.02
80.02
78.88
11
BMRI
65.63
67.20
63.90
65.58
12
BNBA
85.15
86.68
78.71
83.51
13
BNGA
76.80
76.10
71.70
74.87
14
BNII
92.26
92.75
87.87
90.96
15
BSIM
91.41
93.55
83.75
89.57
16
BSWD
73.35
67.51
72.31
71.06
17
BTPN
80.00
76.55
74.03
76.86
18
BVIC
88.21
78.33
78.82
81.79
19
INPC
91.75
92.43
93.03
92.40
20
MAYA
93.82
83.38
79.93
85.71
21
MCOR
91.21
92.97
81.74
88.64
22
MEGA
77.79
81.84
76.73
78.79
23
NISP
83.25
79.85
78.93
80.68
24
PNBN
76.04
80.26
78.74
78.35
80.93
78.27
80.42
Rata-rata per tahun 82.07
Sumber : Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Non Performing Loan (NPL) Bank yang Terdaftar di BEI Tahun
2010 - 2012
No Emiten
Non Performing Loan (%)
Rata - rata
2010
2011
2012
1
AGRO
8.82
3.55
3.71
5.36
2
BACA
1.03
0.81
2.11
1.32
3
BAEK
0.35
0.74
0.28
0.46
4
BBCA
0.60
0.50
0.40
0.50
5
BBKP
3.22
2.88
2.66
2.92
6
BBNI
4.30
3.60
2.80
3.57
7
BBNP
0.67
0.88
0.97
0.84
8
BBRI
1.78
2.30
2.78
2.29
9
BDMN
3.00
2.50
2.30
2.60
10
BJBR
1.86
1.21
2.07
1.71
11
BMRI
2.40
2.20
1.90
2.17
12
BNBA
2.25
1.07
0.63
1.32
13
BNGA
2.59
2.64
2.29
2.51
14
BNII
3.09
2.14
1.7
2.31
15
BSIM
1.26
0.88
3.18
1.77
16
BSWD
3.55
1.98
1.40
2.31
17
BTPN
1.10
0.70
0.60
0.80
18
BVIC
5.04
2.38
2.30
3.24
19
INPC
2.58
2.96
0.85
2.13
20
MAYA
3.27
2.51
3.02
2.93
21
MCOR
2.08
2.18
1.98
2.08
22
MEGA
0.90
0.98
2.09
1.32
23
NISP
1.99
1.26
0.91
1.39
24
PNBN
4.37
3.56
1.69
3.21
1.93
1.86
2.13
Rata-rata per tahun 2.59
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Return on Assets (ROA) Bank yang Terdaftar di BEI Tahun2010 -2012
No Emiten
Return on Assets (%)
Rata - rata
2010
2011
2012
1
AGRO
0.46
0.94
0.81
0.74
2
BACA
0.52
0.57
0.83
0.64
3
BAEK
1.38
1.00
0.75
1.04
4
BBCA
2.61
2.83
2.64
2.69
5
BBKP
1.04
1.3
1.27
1.20
6
BBNI
1.65
1.94
2.11
1.90
7
BBNP
0.96
1.03
1.04
1.01
8
BBRI
2.84
3.21
3.39
3.15
9
BDMN
2.52
2.39
2.64
2.52
10
BJBR
2.05
1.77
1.68
1.83
11
BMRI
2.05
2.22
2.44
2.24
12
BNBA
1.05
1.42
1.64
1.37
13
BNGA
1.78
1.90
2.15
1.94
14
BNII
0.70
0.70
0.78
0.73
15
BSIM
0.89
0.67
1.49
1.02
16
BSWD
2.23
2.30
2.12
2.22
17
BTPN
2.42
0.7
0.6
1.24
18
BVIC
1.03
1.58
1.43
1.35
19
INPC
0.48
0.52
0.65
0.55
20
MAYA
0.78
1.3
1.53
1.20
21
MCOR
0.64
0.55
1.44
0.88
22
MEGA
1.84
1.73
2.11
1.89
23
NISP
0.83
1.25
1.16
1.08
24
PNBN
1.33
1.65
1.53
1.50
1.48
1.59
1.50
Rata-rata per tahun 1.42
Sumber : www.idx.co.id (diolah)
Universitas Sumatera Utara
Lampiran 3
Hasil SPSS
UJI NORMALITAS
Histogram
Normal P-Plot
Universitas Sumatera Utara
Uji Kolmogorov-Smirnov
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
72
a,,b
Mean
.0000000
Std. Deviation
Most Extreme Differences
.00351879
Absolute
.116
Positive
.116
Negative
-.058
Kolmogorov-Smirnov Z
.986
Asymp. Sig. (2-tailed)
.285
a. Test distribution is Normal.
b. Calculated from data.
HETEROSKEDASTISITAS
Coefficients
a
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Standardized
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
.004
.003
CAR
.014
.007
LDR
.002
BOPO
NPL
Coefficients
Beta
t
Sig.
1.290
.202
.225
1.960
.054
.002
.110
.959
.341
-.006
.003
-.236
-2.052
.044
-.017
.020
-.100
-.862
.392
a. Dependent Variable: absut
SETELAH TRANSFORMASI
NORMALITAS
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
Unstandardize
d Residual
N
Normal Parameters
72
a,,b
Mean
Std. Deviation
.0000000
.24694076
Most Extreme
Absolute
.065
Differences
Positive
.065
Negative
-.049
Kolmogorov-Smirnov Z
.552
Asymp. Sig. (2-tailed)
.921
a. Test distribution is Normal.
b. Calculated from data.
Universitas Sumatera Utara
HETEROSKEDASTISITAS
Coefficients
a
Standardize
Model
1
Unstandardized
d
Coefficients
Coefficients
B
(Constant
Std. Error
.325
.192
Ln_CAR
.078
.081
Ln_LDR
-.082
Ln_BOPO
Beta
t
Sig.
1.689
.096
.117
.964
.339
.095
-.105
-.859
.393
-.026
.152
-.021
-.171
.865
.002
.026
.011
.088
.930
)
Ln_NPL
a. Dependent Variable: absut
Universitas Sumatera Utara
AUTOKORELASI
b
Model Summary
Model
R
1
.886
Adjusted R
Std. Error of the
Square
Estimate
R Square
a
.785
.772
Durbin-Watson
.2542053
2.088
a. Predictors: (Constant), Ln_NPL, Ln_CAR, Ln_BOPO, Ln_LDR
b. Dependent Variable: Ln_ROA
MULTIKOLINEARITAS
Coefficients
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
(Constant)
Std. Error
-4.528
.337
Ln_CAR
.300
.143
Ln_LDR
.354
Ln_BOPO
Ln_NPL
a
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
-13.420
.000
.121
2.104
.039
.978
1.022
.167
.122
2.113
.038
.964
1.038
-3.997
.267
-.860
-14.979
.000
.975
1.026
.001
.045
.002
.029
.977
.950
1.052
a. Dependent Variable: Ln_ROA
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UJI t
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-4.528
.337
Ln_CAR
.300
.143
Ln_LDR
.354
Ln_BOPO
Ln_NPL
Coefficients
t
Sig.
-13.420
.000
.121
2.104
.039
.167
.122
2.113
.038
-3.997
.267
-.860
-14.979
.000
.001
.045
.002
.029
.977
a. Dependent Variable: Ln_ROA
UJI F
b
ANOVA
Model
1
Sum of Squares
Regression
Residual
Total
df
Mean Square
15.773
4
3.943
4.330
67
.065
20.102
71
F
61.020
Sig.
.000
a
a. Predictors: (Constant), Ln_NPL, Ln_CAR, Ln_BOPO, Ln_LDR
b. Dependent Variable: Ln_ROA
Universitas Sumatera Utara