Nilai Rasio NPL, ROA, NIM, CAR dan Pertumbuhan Laba (Dalam Persentase )
NO BANK TAHUN NPL ROA NIM CAR Pertumbuhan Laba
1.97
2.73
8.22
14.38
37.07 2013
0.72
3.01
8.44
15.45
25.36
7 BJB 2009
3.24
5.94 2012
7.63 21.20 -87.07 2010
1.86
3.15
7.32 22.85 1,170 2011
1.21
2.65
6.89
18.36
8.14 2012
2.07
0.80
15.02
6.44 18.11 -87.6 2013
28.10
3.28
11.71 23.47 -21.37 2012
0.33
3.58
8.21
24.41
1.57 2013
0.41
4.14
8.16
31.37
8.43
6 JATENG 2009
0.26
4.04
9.33
20.52
7.72 2010
0.53
2.83
9.24 17.23 -10.79 2011
1.04
2.67
2.46
2.83
94.35 2011
3.70
9 KALTIM 2009
1.37
3.81
6.37 19.11 -4.01 2010
3.30
5.23
8.76
18.58
45.57 2011
2.90
8.18 18.48 -20.35 2012
23.72
3.34
2.99
6.23
22.81
24.94 2013
6.74
2.87
6.77
19.03
18.99 Nilai Rasio NPL, ROA, NIM, CAR dan Pertumbuhan Laba
13.75
7.14
2.61
5.57
7.96
16.51
15.34
8 JATIM 2009
1.05
3.75
7.66
21.32
7.95 2010
0.65
9.20
3.82
19.47
64.54 2011
0.97
4.97
7.95
16.53
1.16 2012
2.95
3.34
6.48 27.49 -15.76 2013
3.44
0.36
22.22
1 ACEH 2009
11.73
13.89
10.08 2010
0.57
3.98
8.73
12.79
21.05 2011
0.57
3.54
7.79
17.39 2012
4.24
0.45
4.28
7.50
16.79
44.81 2013
0.33
3.97
7.63
18.19
6.39
9.19
0.68
1.06
7.24
1.69
3.06
6.95
22.94
8.92 2010
7.02
1.80
8.26 18.38 -44.27 2011
3.69
2.91
18.27
2 BALI 2009
64.43 2012
3.30
3.66
7.87
17.82
35.6 2013
2.78
3.44
7.03
17.56
5.83
3 BENGKULU 2009
4.08
17.34
2.38
3.12
2.32
5.56
9.57
71.02 2012
3.20
1.87
5.26
12.30
12.62 2013
3.15
8.34
7.32
14.21
74.63
5 JAMBI 2009
0.56
5.16
12.29
29.98
56.25 2010
0.40
5.73
28.47 2011
5.61
12.50 22.90 -9.67 2010
7.70
1.66
4.60
18.04
24.81
40.12 2011
0.67
3.17
10.82 22.84 -37.02 2012
0.22
3.41
15.84
2.14
68.63 2013
0.38
4.01
9.36
17.00
47.93
4 DKI 2009
5.76
1.41
6.14 13.67 -4.86 2010
4.10
(Dalam Persentase %)
LAMPIRAN 110 KALTENG 2009
10.73 18.60 -7.59 2010
19.56
7.48 2013
2.81
3.00
7.49
18.68
35.15
16 SULSELBAR 2009
2.40
5.56
2.06
2.95
5.58
10.31
24.96
57.38 2011
2.02
3.34
10.18
28.69
4.11 2012
1.39
6.72
2.95
9.53
17.26
20.89
23.3 2012
1.20
3.65
8.67
16.52
14.62 2013
1.30
3.96
9.35
19.7
7.23 20.61 -11.02 2012
15 RIAU 2009
1.38
2.10
6.09 22.29 -4.66 2010
2.45
3.83
9.43
26.67
37.33 2011
2.57
2.62
3.99
28.91
4.19
74.37 2011
18 NAGARI 2009
3.30
2.71
8.46
17.08
17.05 2010
3.31
3.51
10.43
14.13
2.76
17.27
2.68
7.57 12.60 -2.28 2012
2.69
2.60
7.26
14.83
5.94 2013
2.29
2.64
7.27
15.59
30.35
11.17
9.56 2013
2.71 2010
1.19
4.20
10.73
31.71
13.75
17 SULUT 2009
0.51
1.89
8.40
15.67
0.98
3.48
3.04
11.64 10.60 101.58 2011
1.26
2.01
8.46 12.71 -9.26 2012
0.81
3.00
8.66
18.76
91.99 2013
0.54
9.85
1.20
1.82
3.05 2012
70.39 2010
0.13
4.17
10.06
17.53
28.36 2011
0.15
3.45
9.95
17.74
0.17
9.17
3.33
9.01
16.87
24.26 2013
0.35
3.42
9.93
16.99
13.69
12 KALSEL 2009
1.22
17.86
3.80
7.60
18.92
2.34
9.98 19.37 -22.1 2010
1.18
3.89
11.65
22.25
24.07 2011
0.81
3.88
8.79
21.15 2012
0.09
0.84
3.41
7.67
23.75
14.04 2013
0.81
3.52
8.23
24.52
6.87
11 KALBAR 2009
3.77
16.09
44.61 2011
12.92
14.18
75.68 2011
2.17
5.71
12.95
12.89
14.31 2012
1.98
5.62
11.99
20.8 2013
6.27
1.73
5.10
11.08 17.21 -3.55
14 NTT 2009
1.50
4.05
10.99 30.51 -0.17 2010
2.49
4.30
11.68
26.29
10.69
2.92
46.12 2010
5.15
1.12
4.68
9.27
18.09
33.63 2011
0.96
2.81
6.67 17.65 -24.81 2012
1.83
1.27
18.22
14.58 2010
3.34 2013
1.80
2.33
5.65
17.92
43.06
13 NTB 2009
4.07
4.39
10.97
15.48
19.99
19 SUMUT 2009
9.29
18.64
11.28 2010
1.39
2.79
10.27
15.31
2.07 2011
1.19
2.69
13.07
3.24
20.78 2012
0.83
2.47
8.68
14.40
15.7 2013
0.90
2.82
8.38
15.69
9.61
1.36
2.47
3.26
4.42
11.24
10.77
99.4 2010
3.02
4.55
11.47
13.06
69.68 2011
2.56
9.15
20 DIY 2009
14.66
1.49 2012
3.00
2.99
8.49 13.24 -6.38 2013
3.83
3.37
9.34
14.46
16.75
25.04
NO BANK TAHUN Yt Y (t-1) Pertumbuhan Laba(%)
8 JATIM 2009 516.832 478.764
7.72 2010 387.315 434.156 (10.79) 2011 410.328 387.315
5.94 2012 562.421 410.328 37.07 2013 705.041 562.421
25.36
7 BJB 2009 70.106 542.162 (87.07) 2010 890.225 70.106 1,170 2011 962.695 890.225
8.14 2012 119.330 962.695 (87.60) 2013 137.638 119.330
15.34
7.95 2010 850.382 516.832 64.54 2011 860.233 850.382
31.37
1.16 2012 724.639 860.233 (15.76) 2013 824.312 724.639
13.75
9 KALTIM 2009 396.022 412.555 (4.01) 2010 576.505 396.022 45.57 2011 459.163 576.505 (20.35)
2012 573.675 459.163
24.94 2013 682.641 573.675
18.99 Tabel Perhitungan Laba
6 JATENG 2009 434.156 403.049
1.57 2013 182.828 139.175
1 ACEH 2009 383.695 352.273
3 BENGKULU 2009 46.905 51.926 (9.67) 2010 65.724 46.905 40.12 2011 41.392 65.724 (37.02)
8.92 2010 213.819 383.695 (44.27) 2011 351.573 213.819
64.43 2012 476.718 351.573 35.60 2013 504.530 476.718
5.83
2 BALI 2009 190.000 172.602
10.08 2010 230.000 190.000 21.05 2011 270.000 230.000 17.39 2012 391.000 270.000 44.81 2013 416.000 391.000
6.39
2012 69.801 41.392
2012 139.175 137.018
68.63 2013 103.260 69.801
47.93
4 DKI 2009 137.000 144.000 (4.86) 2010 176.000 137.000 28.47 2011 301.000 176.000 71.02 2012 339.000 301.000 12.62 2013 592.000 339.000
74.63
5 JAMBI 2009 89.660 57.382
56.25 2010 174.252 89.660 94.35 2011 137.018 174.252 (21.37)
(Dalam Persentase) %
LAMPIRAN 210 KALTENG 2009 70.070 89.951 (22.10) 2010 86.937 70.070 24.07 2011 105.325 86.937 21.15 2012 120.108 105.325 14.04 2013 128.361 120.108
2012 313.076 291.288
5.94 2013 312.725 260.627
2012 260.627 246.022
17.05 2010 251.757 144.385 74.37 2011 246.022 251.757 (2.28)
18 NAGARI 2009 144.385 123.353
30.35
91.99 2013 181.432 139.191
2.71 2010 79.899 39.637 101.58 2011 72.498 79.899 (9.26) 2012 139.191 72.498
17 SULUT 2009 39.637 38.590
13.75
4.11 2012 277.728 253.489 9.56 2013 315.926 277.728
16 SULSELBAR 2009 153.467 166.064 (7.59) 2010 243.097 154.467 57.38 2011 253.489 243.489
35.15
7.48 2013 423.120 313.076
15 RIAU 2009 238.379 250.024 (4.66) 2010 327.365 238.379 37.33 2011 291.288 327.365 (11.02)
6.87
19.70
14 NTT 2009 94.728 94.890 (0.17) 2010 136.985 94.728 44.61 2011 168.897 136.985 23.30 2012 193.589 168.897 14.62 2013 231.722 193.589
14.58 2010 123.719 70.422 75.68 2011 141.424 123.719 14.31 2012 170.840 141.424 20.80 2013 164.773 170.840 (3.55)
13 NTB 2009 70.422 61.460
43.06
3.34 2013 176.819 123.596
2012 123.596 119.600
46.12 2010 159.055 119.029 33.63 2011 119.600 159.055 (24.81)
12 KALSEL 2009 119.029 81.458
13.69
3.05 2012 216.089 173.899 24.26 2013 245.669 216.089
70.39 2010 168.745 131.459 28.36 2011 173.899 168.745
11 KALBAR 2009 131.459 77.154
19.99
19 SUMUT 2009 331.000 166.000
99.40 2010 561.628 331.000 69.68 2011 570.002 561.628
1.49 2012 533.633 570.002 (6.38) 2013 623.031 533.633
16.75
20 DIY 2009 71.954 64.662
11.28 2010 73.440 71.954 2.07 2011 88.704 73.440
20.78 2012 102.631 88.704 15.70 2013 128.334 102.631
25.04 N Range Minimum Maximum Std.
Deviation Statistic Statistic Statistic Statistic Statistic Std. Error Statistic NPL 100
6.93 .09 7.02 1.7975 .13539 1.35386 ROA 100
5.00
1.27 6.27 3.5101 .10024 1.00242 NIM 100
12.89
5.15 18.04 8.8953 .21682 2.16818 CAR 100
23.37
8.34 31.71 18.4533 .48179 4.81786 Valid N (listwise) 100
Descriptive Statistics
MeanLAMPIRAN 3
HASIL OLAHAN SPSS
Analisis DeskriptifUji Normalitas
Normal Parameters
Standardize
d
Coefficients
B Std. Error Beta Toleranceb. Calculated from data.
c a. Test distribution is Normal.
Kolmogrov-Smirnov Z .083 Asymp. Sig. (2-tailed) .084
Most Extreme Differences Absolute .083 Positive .076 Negative -.083
Mean .0000000 Std. Deviation 30.84620935
a,b
N 100
Uji Multikoliniearitas
Unstandardized Residual
Collinearity Statistics One-Sample Kolmogorov-Smirnov Test
Model Unstandardized Coefficients t Sig.
Coefficients
a1
VIF (Constant)
c. Lilliefors Significance Correction.
- 2.426 19.027 -.127 .899 NPL
- .214 2.441 -.008 -.088 .930 .917 1.090 ROA 12.353 4.069 .354 3.036 .003 .602 1.661 NIM 2.024 1.882 .125 1.075 .285 .601 1.663
- 2.187 .681 -.301 -3.210 .002 .930 1.075
a. Dependent Variable: Pertumbuhan_Laba
- .470 .459 -.108 -1.024 .308
R R Square Adjusted R Square Std. Error of the Estimate
Durbin- Watson 1 .472 a
.223 .190 31.48891 1.692 Model Summary b
Model
a. Predictors: (Constant), CAR, NPL, ROA, NIM
b. Dependent Variable: Pertumbuhan_Laba Standardize d Coefficients
B Std. Error Beta (Constant) 23.134 12.808 1.806 .074 NPL
.748 1.643 .048 .455 .650 ROA 1.182 2.739 .057 .432 .667 NIM
.290 1.267 .030 .229 .819 CAR
1
a. Dependent Variable: absut Coefficients a
Model Unstandardized Coefficients t Sig.
Uji Heterokedastisitas Uji Autokorelasi
Uji Run Test Runs Test
Unstandardized Residual
a
Test Value .97585 Cases < Test Value
50 Cases >= Test Value
50 Total Cases 100 Number of Runs
39 Z -2.412 Asymp. Sig. (2-tailed) .116
a. Median
Analisis Regresi Linier Berganda a Coefficients Standardize d
Unstandardized Coefficients Coefficients B Std. Error Beta
Model t Sig. 1 (Constant)
- 2.426 19.027 -.127 .899 NPL
- .214 2.441 -.008 -.088 .930 ROA 12.353 4.069 .354 3.036 .003 NIM 2.024 1.882 .125 1.075 .285
- 2.187 .681 -.301 -3.210 .002
a. Dependent Variable: Pertumbuhan_Laba
Uji Statistik F a ANOVA Model Sum of Squares df Mean Square F Sig. b
1 Regression 26966.978 4 6741.745 6.799 .000 Residual 94197.375 95 991.551 Total 121164.353
99
a. Dependent Variable: Pertumbuhan_Laba
b. Predictors: (Constant), CAR, NPL, ROA, NIM
Standardize d Coefficients
B Std. Error Beta
(Constant)
Coefficients
aModel Unstandardized Coefficients t Sig.
1 Uji Statistik t
- 2.426 19.027 -.127 .899 NPL
- .214 2.441 -.008 -.088 .930 ROA 12.353 4.069 .354 3.036 .003 NIM 2.024 1.882 .125 1.075 .285
- 2.187 .681 -.301 -3.210 .002