Analisis Pengaruh Faktor Internal Dan Faktor Eksternal Bank Terhadap Pola Penyaluran Kredit PadaBank-Bank Asing Di Indonesia
Lampiran
Data CAR, ROA, BOPO, NPL, BI Rate dan Kredit Bank Asing
Nama Perusahaan
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Tahun
2010
2010
2010
2010
2010
2010
2011
2011
2011
2011
2011
2011
2012
2012
2012
2012
2012
2012
2013
2013
2013
2013
2013
2013
2014
2014
2014
2014
2014
2014
CAR
14,36
22,70
49,93
13,19
25,24
34,79
14,10
20,60
52,75
17,56
21,36
39,96
16,82
23,76
63,79
17,41
20,99
57,64
14,49
24,50
67,09
21,37
26,95
75,04
16,87
25,50
69,16
22,81
27,02
77,80
ROA
1,49
5,30
4,17
3,02
2,75
2,47
2,86
4,30
3,77
3,85
4,68
2,66
2,60
4,12
2,50
3,65
3,65
2,17
0,42
4,30
2,75
3,26
2,93
2,71
1,55
5,10
3,41
2,64
4,20
2,82
BOPO
88,66
71,30
30,18
82,85
60,07
88,16
80,50
70,97
39,23
80,72
72,93
77,72
81,98
73,81
57,02
76,19
81,83
75,92
97,55
85,80
49,25
82,63
80,71
62,65
92,92
79,73
41,74
83,40
72,67
56,75
NPL
0,68
2,80
0,45
1,28
0,75
0,99
0,66
1,40
0,51
0,44
1,68
1,29
1,09
0,80
0,62
0,24
1,40
0,98
0,78
1,50
0,03
0,22
1,18
0,97
1,11
1,26
0,49
0,68
0,91
0,80
BI Rate
6,50
6,50
6,50
6,50
6,50
6,50
6,58
6,58
6,58
6,58
6,58
6,58
5,77
5,77
5,77
5,77
5,77
5,77
6,48
6,48
6,48
6,48
6,48
6,48
7,53
7,53
7,53
7,53
7,53
7,53
Kredit
21.833.493
26.960.061
3.169.840
24.653.008
4.748.318
28.394.531
25.238.555
26.444.472
4.235.039
31.492.768
4.906.068
40.176.034
31.218.394
31.576.972
6.910.355
39.722.296
5.933.867
50.575.217
32.690.216
39.257.684
11.894.111
51.879.015
7.768.260
73.186.959
29.548.804
37.345.230
15.514.223
57.190.020
9.605.490
88.165.769
Lampiran
Hasil Output Pengolahan Statistik Deskriptif
Statistik Deskriptif
N
Minimum
Maximum
Mean
Std. Deviation
CAR
30
13.19
77.80
33.1850
20.42209
ROA
30
.42
5.30
3.2033
1.08361
BOPO
30
30.18
97.55
72.5280
16.25927
NPL
30
.03
2.80
.9330
.53591
BIRATE
30
5.77
7.53
6.5720
.57079
KREDIT
30
3.17E6
8.82E7
2.8741E7
2.08005E7
Valid N (listwise)
30
Hasil Output Uji Normalitas dengan One-Sample Kolmogorov-Smirnov
Test
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
30
a
Mean
Std. Deviation
Most Extreme Differences
.0000000
1.50818682E7
Absolute
.101
Positive
.101
Negative
-.079
Kolmogorov-Smirnov Z
.555
Asymp. Sig. (2-tailed)
.917
a. Test distribution is Normal.
Lampiran
Hasil Output Uji Normalitas dengan Grafik Histogram
Hasil Output Uji Normalitas
Lampiran
Hasil Output Uji Multikolinearitas
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1(Constant)
B
Std. Error
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
Coefficients
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
-3.028
.006
.974
3.980
.001
.366
2.734
3.972E6
.284
1.371
.183
.512
1.955
1.422E6
357337.352
1.111
3.978
.001
.281
3.562
-7.435E6
7.187E6
-.192
-1.035
.311
.639
1.565
5.328E6
5.454E6
.146
.977
.338
.978
1.023
a. Dependent Variable: KREDIT
Hasil Output Uji Heteroskedastisitas
Lampiran
Hasil Output Uji Autokorelasi
Runs Test
Unstandardized
Residual
a
Test Value
2.16780E6
Cases < Test Value
15
Cases >= Test Value
15
Total Cases
30
Number of Runs
18
Z
.557
Asymp. Sig. (2-tailed)
.577
a. Median
Hasil Output Analisis Regresi Berganda
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
Coefficients
Beta
t
Sig.
-3.028
.006
.974
3.980
.001
3.972E6
.284
1.371
.183
1.422E6
357337.352
1.111
3.978
.001
-7.435E6
7.187E6
-.192
-1.035
.311
5.328E6
5.454E6
.146
.977
.338
a. Dependent Variable: KREDIT
Lampiran
Hasil Output Uji Statistik F
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
5.951E15
5
1.190E15
Residual
6.596E15
24
2.749E14
Total
1.255E16
29
F
Sig.
4.330
.006
a
a. Predictors: (Constant), BIRATE, NPL, CAR, ROA, BOPO
b. Dependent Variable: KREDIT
Dependent Variable: Y
Hasil Output Uji Statistik t
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
a.
Coefficients
T
Sig.
-3.028
.006
.974
3.980
.001
3.972E6
.284
1.371
.183
1.422E6
357337.352
1.111
3.978
.001
-7.435E6
7.187E6
-.192
-1.035
.311
5.328E6
5.454E6
.146
.977
.338
Dependent Variable: KREDIT
Hasil Uji Koefisien Determinasi
Model Summary
Model
1
R
.689
R Square
a
.474
Adjusted R
Std. Error of the
Square
Estimate
.365
1.65786E7
a. Predictors: (Constant), BIRATE, NPL, CAR, ROA, BOPO
Lampiran
Data Penyaluran Kredit Bank Asing Berdasarkan Jenis Penggunaannya
Tahun 2010-2014 (Milyar Rupiah)
2010
2011
Modal Kerja
76.215
89.789 115.432
Investasi
17.301
26.862
37.028
45.465
51.261
35.583
Konsumsi
19.488
19.834
20.398
21.844
21.907
20.694
225.500 244.031
178.376
113.004
Total
2012
2013
136.485 172.858
2014
Rata-Rata
Jenis Kredit
158.191 170.863
122.098
Data Persentasi Penyaluran Kredit Bank Asing Berdasarkan Jenis
Penggunaanya Tahun 2010-2014
Jenis Kredit
2010
Modal Kerja
67,44%
Investasi
Konsumsi
2011
Rata-Rata
2012
2013
2014
65,79%
66,78%
70,15%
70,01%
68,03%
15,31%
19,68%
21,41%
21,41%
21%
19,51%
17,24%
14,53%
11,80%
9,69%
8,98%
12,45%
Penyaluran Kredit UMKM Berdasarkan Kelompok Bank Tahun 2010-2011
(Miliar Rupiah)
Kelompok Bank
2010
2011
2012
2013
2014
Rata-Rata
Bank Persero
343.990 222.645 242.861 304.751 341.804
291.210
BUSN Devisa
363.631 176.925 205.731 217.529 230.998
238.963
BUSN Non Devisa
41.355
17.309
23.260
27.572
30.367
27.973
126.561
31.314
45.082
46.896
50.837
60.138
Bank Campuran
24.932
6.651
8.750
11.379
13.467
13.036
Bank Asing
26.314
3.320
713
697
4.247
7.058
BPR
33.810
21.722
25.829
31.211
35.420
29.598
960.593 479.886 552.226 640.035 707.140
667.976
BPD
Total
Lampiran
Persentasi Penyaluran Kredit UMKM Menurut Kelompok Bank Tahun
2010-2014
Kelompok Bank
Bank Persero
BUSN Devisa
BUSN Non Devisa
BPD
Bank Campuran
Bank Asing
BPR
Total
2010
35,81%
37,85%
4,30%
13,17%
2,59%
2,73%
3,52%
100%
2011
46,39%
36,87%
3,61%
6,52%
1,39%
0,69%
4,53%
100%
2012
43,98%
37,25%
4,21%
8,16%
1,58%
0,13%
4,68%
100
2013
47,61%
33,98%
4,30%
7,33%
1,78%
0,11%
4,88%
100%
2014
48,34%
32,67%
4,29%
7,19%
1,90%
0,60%
5,01%
100%
Rata-Rata
44,43%
35,73%
4,14%
8,48%
1,85%
0,85%
4,52%
100%
Data CAR, ROA, BOPO, NPL, BI Rate dan Kredit Bank Asing
Nama Perusahaan
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Standard Chartered
Citibank
Bangkok Bank
HSBC
Deutsche Bank
Bank of Tokyo
Tahun
2010
2010
2010
2010
2010
2010
2011
2011
2011
2011
2011
2011
2012
2012
2012
2012
2012
2012
2013
2013
2013
2013
2013
2013
2014
2014
2014
2014
2014
2014
CAR
14,36
22,70
49,93
13,19
25,24
34,79
14,10
20,60
52,75
17,56
21,36
39,96
16,82
23,76
63,79
17,41
20,99
57,64
14,49
24,50
67,09
21,37
26,95
75,04
16,87
25,50
69,16
22,81
27,02
77,80
ROA
1,49
5,30
4,17
3,02
2,75
2,47
2,86
4,30
3,77
3,85
4,68
2,66
2,60
4,12
2,50
3,65
3,65
2,17
0,42
4,30
2,75
3,26
2,93
2,71
1,55
5,10
3,41
2,64
4,20
2,82
BOPO
88,66
71,30
30,18
82,85
60,07
88,16
80,50
70,97
39,23
80,72
72,93
77,72
81,98
73,81
57,02
76,19
81,83
75,92
97,55
85,80
49,25
82,63
80,71
62,65
92,92
79,73
41,74
83,40
72,67
56,75
NPL
0,68
2,80
0,45
1,28
0,75
0,99
0,66
1,40
0,51
0,44
1,68
1,29
1,09
0,80
0,62
0,24
1,40
0,98
0,78
1,50
0,03
0,22
1,18
0,97
1,11
1,26
0,49
0,68
0,91
0,80
BI Rate
6,50
6,50
6,50
6,50
6,50
6,50
6,58
6,58
6,58
6,58
6,58
6,58
5,77
5,77
5,77
5,77
5,77
5,77
6,48
6,48
6,48
6,48
6,48
6,48
7,53
7,53
7,53
7,53
7,53
7,53
Kredit
21.833.493
26.960.061
3.169.840
24.653.008
4.748.318
28.394.531
25.238.555
26.444.472
4.235.039
31.492.768
4.906.068
40.176.034
31.218.394
31.576.972
6.910.355
39.722.296
5.933.867
50.575.217
32.690.216
39.257.684
11.894.111
51.879.015
7.768.260
73.186.959
29.548.804
37.345.230
15.514.223
57.190.020
9.605.490
88.165.769
Lampiran
Hasil Output Pengolahan Statistik Deskriptif
Statistik Deskriptif
N
Minimum
Maximum
Mean
Std. Deviation
CAR
30
13.19
77.80
33.1850
20.42209
ROA
30
.42
5.30
3.2033
1.08361
BOPO
30
30.18
97.55
72.5280
16.25927
NPL
30
.03
2.80
.9330
.53591
BIRATE
30
5.77
7.53
6.5720
.57079
KREDIT
30
3.17E6
8.82E7
2.8741E7
2.08005E7
Valid N (listwise)
30
Hasil Output Uji Normalitas dengan One-Sample Kolmogorov-Smirnov
Test
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
30
a
Mean
Std. Deviation
Most Extreme Differences
.0000000
1.50818682E7
Absolute
.101
Positive
.101
Negative
-.079
Kolmogorov-Smirnov Z
.555
Asymp. Sig. (2-tailed)
.917
a. Test distribution is Normal.
Lampiran
Hasil Output Uji Normalitas dengan Grafik Histogram
Hasil Output Uji Normalitas
Lampiran
Hasil Output Uji Multikolinearitas
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1(Constant)
B
Std. Error
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
Coefficients
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
-3.028
.006
.974
3.980
.001
.366
2.734
3.972E6
.284
1.371
.183
.512
1.955
1.422E6
357337.352
1.111
3.978
.001
.281
3.562
-7.435E6
7.187E6
-.192
-1.035
.311
.639
1.565
5.328E6
5.454E6
.146
.977
.338
.978
1.023
a. Dependent Variable: KREDIT
Hasil Output Uji Heteroskedastisitas
Lampiran
Hasil Output Uji Autokorelasi
Runs Test
Unstandardized
Residual
a
Test Value
2.16780E6
Cases < Test Value
15
Cases >= Test Value
15
Total Cases
30
Number of Runs
18
Z
.557
Asymp. Sig. (2-tailed)
.577
a. Median
Hasil Output Analisis Regresi Berganda
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
Coefficients
Beta
t
Sig.
-3.028
.006
.974
3.980
.001
3.972E6
.284
1.371
.183
1.422E6
357337.352
1.111
3.978
.001
-7.435E6
7.187E6
-.192
-1.035
.311
5.328E6
5.454E6
.146
.977
.338
a. Dependent Variable: KREDIT
Lampiran
Hasil Output Uji Statistik F
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
5.951E15
5
1.190E15
Residual
6.596E15
24
2.749E14
Total
1.255E16
29
F
Sig.
4.330
.006
a
a. Predictors: (Constant), BIRATE, NPL, CAR, ROA, BOPO
b. Dependent Variable: KREDIT
Dependent Variable: Y
Hasil Output Uji Statistik t
Coefficients
a
Standardized
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-1.528E8
5.047E7
CAR
992196.044
249271.529
ROA
5.445E6
BOPO
NPL
BIRATE
a.
Coefficients
T
Sig.
-3.028
.006
.974
3.980
.001
3.972E6
.284
1.371
.183
1.422E6
357337.352
1.111
3.978
.001
-7.435E6
7.187E6
-.192
-1.035
.311
5.328E6
5.454E6
.146
.977
.338
Dependent Variable: KREDIT
Hasil Uji Koefisien Determinasi
Model Summary
Model
1
R
.689
R Square
a
.474
Adjusted R
Std. Error of the
Square
Estimate
.365
1.65786E7
a. Predictors: (Constant), BIRATE, NPL, CAR, ROA, BOPO
Lampiran
Data Penyaluran Kredit Bank Asing Berdasarkan Jenis Penggunaannya
Tahun 2010-2014 (Milyar Rupiah)
2010
2011
Modal Kerja
76.215
89.789 115.432
Investasi
17.301
26.862
37.028
45.465
51.261
35.583
Konsumsi
19.488
19.834
20.398
21.844
21.907
20.694
225.500 244.031
178.376
113.004
Total
2012
2013
136.485 172.858
2014
Rata-Rata
Jenis Kredit
158.191 170.863
122.098
Data Persentasi Penyaluran Kredit Bank Asing Berdasarkan Jenis
Penggunaanya Tahun 2010-2014
Jenis Kredit
2010
Modal Kerja
67,44%
Investasi
Konsumsi
2011
Rata-Rata
2012
2013
2014
65,79%
66,78%
70,15%
70,01%
68,03%
15,31%
19,68%
21,41%
21,41%
21%
19,51%
17,24%
14,53%
11,80%
9,69%
8,98%
12,45%
Penyaluran Kredit UMKM Berdasarkan Kelompok Bank Tahun 2010-2011
(Miliar Rupiah)
Kelompok Bank
2010
2011
2012
2013
2014
Rata-Rata
Bank Persero
343.990 222.645 242.861 304.751 341.804
291.210
BUSN Devisa
363.631 176.925 205.731 217.529 230.998
238.963
BUSN Non Devisa
41.355
17.309
23.260
27.572
30.367
27.973
126.561
31.314
45.082
46.896
50.837
60.138
Bank Campuran
24.932
6.651
8.750
11.379
13.467
13.036
Bank Asing
26.314
3.320
713
697
4.247
7.058
BPR
33.810
21.722
25.829
31.211
35.420
29.598
960.593 479.886 552.226 640.035 707.140
667.976
BPD
Total
Lampiran
Persentasi Penyaluran Kredit UMKM Menurut Kelompok Bank Tahun
2010-2014
Kelompok Bank
Bank Persero
BUSN Devisa
BUSN Non Devisa
BPD
Bank Campuran
Bank Asing
BPR
Total
2010
35,81%
37,85%
4,30%
13,17%
2,59%
2,73%
3,52%
100%
2011
46,39%
36,87%
3,61%
6,52%
1,39%
0,69%
4,53%
100%
2012
43,98%
37,25%
4,21%
8,16%
1,58%
0,13%
4,68%
100
2013
47,61%
33,98%
4,30%
7,33%
1,78%
0,11%
4,88%
100%
2014
48,34%
32,67%
4,29%
7,19%
1,90%
0,60%
5,01%
100%
Rata-Rata
44,43%
35,73%
4,14%
8,48%
1,85%
0,85%
4,52%
100%