Pengaruh Persaingan Perbankan Terhadap Suku Bunga Di Indonesia
Lampiran 1.
Daftar Rata-rata Suku Bunga Bank Pemerintah (dalam Persen %)
Tahun
2004
2005
2006
2007
2008
2009
Waktu
Simpanan Kredit
triwulan 1
2.37
15.79
triwulan 2
2.63
15.03
triwulan 3
2.51
14.65
triwulan 1
2.52
14.22
triwulan 2
2.65
14.24
triwulan 3
2.87
15.17
triwulan 1
3.14
15.89
triwulan 2
3.1
15.71
triwulan 3
3.04
15.64
triwulan 1
2.57
14.89
triwulan 2
2.46
14.26
triwulan 3
2.68
13.9
triwulan 1
2.79
13.34
triwulan 2
2.79
13.16
triwulan 3
2.73
13.61
triwulan 1
2.67
14.45
triwulan 2
2.66
14.16
triwulan 3
2.82
14.03
triwulan 1
2.54
13.63
triwulan 2
2.54
13.28
2010
Universitas Sumatera Utara
2011
2012
2013
triwulan 3
2.54
13.2
triwulan 1
2.25
11.68
triwulan 2
2.48
12.52
triwulan 3
2.22
12.51
triwulan 1
1.74
12.19
triwulan 2
1.69
12
triwulan 3
1.55
11.31
triwulan 1
1.57
11.72
triwulan 2
1.57
11.79
triwulan 3
1.59
11.86
Sumber : Data Statistik BI
Universitas Sumatera Utara
Lampiran 2.
Daftar Simpanan dan Kredit Bank Mandiri (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
Waktu
Simpanan
Kredit
triwulan 1
78211963
79646297
triwulan 2
75920473
77830274
triwulan 3
76987027
79807687
triwulan 1
77927969
84648589
triwulan 2
78040820
86939727
triwulan 3
80687548
87393469
triwulan 1
82253273
77973689
triwulan 2
85983649
78936354
triwulan 3
86979047
80303867
triwulan 1
92578975
81697319
triwulan 2
95876361
83078536
triwulan 3
97256705
85358814
triwulan 1
115969074
82324014
triwulan 2
127968486
84696373
triwulan 3
136237036
92072464
triwulan 1
82844797
137381439
triwulan 2
88808860
147009724
triwulan 3
93673273
155085282
triwulan 1
97055912
168026643
triwulan 2
102935770
180733530
2010
Universitas Sumatera Utara
2011
2012
2013
Sumber
triwulan 3
108754952
192052210
triwulan 1
121389499
220496527
triwulan 2
115214086
228688662
triwulan 3
123045897
220282836
triwulan 1
135798117
246065374
triwulan 2
144035683
267682057
triwulan 3
149253028
279298340
triwulan 1
161172318
323658516
triwulan 2
170571701
355428806
triwulan 3
178782387
350103404
:
Laporan
Keuangan
Bank
Mandiri
Universitas Sumatera Utara
Lampiran 3.
Daftar Simpanan dan Kredit Bank Rakyat Indonesia (dalam Juta Rupiah)
Tahun
2004
2005
2006
Waktu
Simpanan
Kredit
triwulan 1
75707000
49962000
triwulan 2
79649000
55047000
triwulan 3
78568000
58382000
triwulan 1
82820000
63356000
triwulan 2
89481000
68950000
triwulan 3
90201000
72456000
triwulan 1
97722000 123940000
triwulan 2 107870000
82260000
triwulan 3 112168000
86691000
triwulan 1 121898000 152170000
2007
triwulan 2 135810000
98780000
triwulan 3 142876000 105553000
triwulan 1 159643000 118436000
2008
triwulan 2 176533000 135955000
triwulan 3 175394000 151457000
triwulan 1 203108000 165230000
2009
triwulan 2 216346000 184600000
triwulan 3 220081000 192230000
triwulan 1 241497000 208960000
2010
triwulan 2 256054000 226200000
triwulan 3 257017000 228700000
Universitas Sumatera Utara
triwulan 1 290575000 249200000
2011
triwulan 2 294626000 265800000
triwulan 3 309714000 275800000
triwulan 1 336959800 283100000
2012
triwulan 2 371142000 304800000
triwulan 3 373137000 318000000
triwulan 1 403089000 361200000
2013
triwulan 2 438966000 391800000
triwulan 3 454730000 413300000
Sumber : Laporan Keuangan Bank Rakyat Indonesia
Universitas Sumatera Utara
Lampiran 4.
Daftar Simpanan dan Kredit Bank Negara Indonesia (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
2010
Waktu
Simpanan
Kredit
triwulan 1
86990635
41545776
triwulan 2
88976648
42763165
triwulan 3
89585961
43347921
triwulan 1
91088652
44071655
triwulan 2
92077985
45839711
triwulan 3
93500184
46475160
triwulan 1
126097552
46886589
triwulan 2
133452885
46007254
triwulan 3
135796740
51701332
triwulan 1
117985661
63988651
triwulan 2
124063671
65240829
triwulan 3
124295235
65237061
triwulan 1
105924894
88716275
triwulan 2
116609653
98626215
triwulan 3
137597570
89020624
triwulan 1
137365313
114409807
triwulan 2
139605505
119572171
triwulan 3
153801305
104299938
triwulan 1
144284184
105637856
triwulan 2
151579341
110843568
triwulan 3
148211056
110663080
Universitas Sumatera Utara
2011
2012
2013
triwulan 1
157143426
117535892
triwulan 2
172642227
152420652
triwulan 3
174661539
135945686
triwulan 1
162644444
141980793
triwulan 2
178319426
132440170
triwulan 3
184023906
139337288
triwulan 1
242934229
174800507
triwulan 2
223818799
194806447
triwulan 3
225600883
202748521
Sumber : Laporan Keuangan Bank Negara Indonesia
Universitas Sumatera Utara
Lampiran 4.
Daftar Simpanan dan Kredit Bank Tabungan Negara (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
2010
Waktu
simpanan
kredit
triwulan 1
18396082 11222516
triwulan 2
18219789 11549489
triwulan 3
18847386 12070994
triwulan 1
17532953 13009743
triwulan 2
17836791 13688581
triwulan 3
18480228 14521488
triwulan 1
20251238 15921958
triwulan 2
20809431 16656042
triwulan 3
20866921 17339560
triwulan 1
21989129 18533298
triwulan 2
22241310 19469105
triwulan 3
22652763 20787222
triwulan 1
24793739 23551498
triwulan 2
26707733 26184899
triwulan 3
27958923 30071481
triwulan 1
32423384 32197384
triwulan 2
33362952 34287060
triwulan 3
32618383 36318175
triwulan 1
36410515 40987332
triwulan 2
38453409 44005184
triwulan 3
41410365 46561282
Universitas Sumatera Utara
2011
2012
2013
triwulan 1
46117477 50352522
triwulan 2
48257072 53033563
triwulan 3
50324171 55473082
triwulan 1
60701428 62030760
triwulan 2
62402752 67144799
triwulan 3
69211839 70968317
triwulan 1
80745884 79167943
triwulan 2
76491780 84507040
triwulan 3
82841227 89095479
Sumber : Laporan Keuangan Bank Tabngan Negara
Universitas Sumatera Utara
Lampiran 5.
Hasil Regresi Pengaruh Simpanan Bank Mandiri (X1) Terhadap Suku
Bunga Bank (Y1)
Model Summary
Model
1
R
Adjusted R
Square
R Square
.795(a)
.632
Std. Error of
the Estimate
.619
.29019
a Predictors: (Constant), simpanan mandiri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
4.056
1
4.056
Residual
2.358
28
.084
Total
6.413
29
F
Sig.
48.160
.000(a)
a Predictors: (Constant), simpanan mandiri
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan mandiri
Std. Error
3.798
.202
-1.25E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.795
18.766
.000
-6.940
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 6.
Hasil Regresi Pengaruh Kredit Bank Mandiri (X2) Terhadap Suku Bunga
Bank (Y2)
Model Summary
Model
1
R
.857(a)
R Square
Adjusted R
Square
.734
Std. Error of
the Estimate
.724
.72017
a Predictors: (Constant), kredit mandiri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.033
1
40.033
Residual
14.522
28
.519
Total
54.555
29
F
Sig.
77.187
.000(a)
a Predictors: (Constant), kredit mandiri
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit mandiri
Std. Error
15.700
.267
-1.30E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.857
58.862
.000
-8.786
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 7.
Hasil Regresi Pengaruh Simpanan Bank Rakyat Indonesia (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.832(a)
R Square
Adjusted R
Square
.693
Std. Error of
the Estimate
.682
.26519
a Predictors: (Constant), simpanan bri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
F
Sig.
63.198
.000(a)
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
Regression
4.444
1
4.444
Residual
1.969
28
.070
Total
6.413
29
a Predictors: (Constant), simpanan bri
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan bri
Std. Error
3.153
.102
-3.33E-009
.000
-.832
31.018
.000
-7.950
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 8.
Hasil Regresi Pengaruh Kredit Bank Rakyat Indonesia (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.865(a)
R Square
Adjusted R
Square
.748
Std. Error of
the Estimate
.739
.70007
a Predictors: (Constant), kredit bri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.832
1
40.832
Residual
13.723
28
.490
Total
54.555
29
F
Sig.
83.315
.000(a)
a Predictors: (Constant), kredit bri
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit bri
Std. Error
15.698
.257
-1.11E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.865
61.039
.000
-9.128
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 9.
Hasil Regresi Pengaruh Simpanan Bank Negara Indonesia (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.727(a)
R Square
Adjusted R
Square
.529
Std. Error of
the Estimate
.512
.32857
a Predictors: (Constant), simpanan bni
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
3.391
1
3.391
Residual
3.023
28
.108
Total
6.413
29
F
Sig.
31.408
.000(a)
a Predictors: (Constant), simpanan bni
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan bni
Std. Error
3.618
.218
-8.28E-009
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.727
16.584
.000
-5.604
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 10.
Hasil Regresi Pengaruh Kredit Bank Negara Indonesia (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.864(a)
R Square
Adjusted R
Square
.747
Std. Error of
the Estimate
.738
.70169
a Predictors: (Constant), kredit bni
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.769
1
40.769
Residual
13.786
28
.492
Total
54.555
29
F
Sig.
82.802
.000(a)
a Predictors: (Constant), kredit bni
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit bni
Std. Error
16.104
.298
-2.50E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.864
54.132
.000
-9.100
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 11.
Hasil Regresi Pengaruh Simpanan Bank Tabungan Negara (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.888(a)
R Square
Adjusted R
Square
.788
Std. Error of
the Estimate
.781
.22013
a Predictors: (Constant), simpanan btn
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
5.057
1
5.057
Residual
1.357
28
.048
Total
6.413
29
F
Sig.
104.347
.000(a)
a Predictors: (Constant), simpanan btn
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan btn
Std. Error
3.196
.084
-2.04E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.888
38.057
.000
-10.215
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 12.
Hasil Regresi Pengaruh Kredit Bank Tabungan Negara (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.886(a)
R Square
Adjusted R
Square
.785
Std. Error of
the Estimate
.777
.64711
a Predictors: (Constant), kredit btn
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
42.830
1
42.830
Residual
11.725
28
.419
Total
54.555
29
F
102.282
Sig.
.000(a)
a Predictors: (Constant), kredit btn
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit btn
Std. Error
15.550
.221
-5.10E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.886
70.370
.000
-10.113
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Daftar Rata-rata Suku Bunga Bank Pemerintah (dalam Persen %)
Tahun
2004
2005
2006
2007
2008
2009
Waktu
Simpanan Kredit
triwulan 1
2.37
15.79
triwulan 2
2.63
15.03
triwulan 3
2.51
14.65
triwulan 1
2.52
14.22
triwulan 2
2.65
14.24
triwulan 3
2.87
15.17
triwulan 1
3.14
15.89
triwulan 2
3.1
15.71
triwulan 3
3.04
15.64
triwulan 1
2.57
14.89
triwulan 2
2.46
14.26
triwulan 3
2.68
13.9
triwulan 1
2.79
13.34
triwulan 2
2.79
13.16
triwulan 3
2.73
13.61
triwulan 1
2.67
14.45
triwulan 2
2.66
14.16
triwulan 3
2.82
14.03
triwulan 1
2.54
13.63
triwulan 2
2.54
13.28
2010
Universitas Sumatera Utara
2011
2012
2013
triwulan 3
2.54
13.2
triwulan 1
2.25
11.68
triwulan 2
2.48
12.52
triwulan 3
2.22
12.51
triwulan 1
1.74
12.19
triwulan 2
1.69
12
triwulan 3
1.55
11.31
triwulan 1
1.57
11.72
triwulan 2
1.57
11.79
triwulan 3
1.59
11.86
Sumber : Data Statistik BI
Universitas Sumatera Utara
Lampiran 2.
Daftar Simpanan dan Kredit Bank Mandiri (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
Waktu
Simpanan
Kredit
triwulan 1
78211963
79646297
triwulan 2
75920473
77830274
triwulan 3
76987027
79807687
triwulan 1
77927969
84648589
triwulan 2
78040820
86939727
triwulan 3
80687548
87393469
triwulan 1
82253273
77973689
triwulan 2
85983649
78936354
triwulan 3
86979047
80303867
triwulan 1
92578975
81697319
triwulan 2
95876361
83078536
triwulan 3
97256705
85358814
triwulan 1
115969074
82324014
triwulan 2
127968486
84696373
triwulan 3
136237036
92072464
triwulan 1
82844797
137381439
triwulan 2
88808860
147009724
triwulan 3
93673273
155085282
triwulan 1
97055912
168026643
triwulan 2
102935770
180733530
2010
Universitas Sumatera Utara
2011
2012
2013
Sumber
triwulan 3
108754952
192052210
triwulan 1
121389499
220496527
triwulan 2
115214086
228688662
triwulan 3
123045897
220282836
triwulan 1
135798117
246065374
triwulan 2
144035683
267682057
triwulan 3
149253028
279298340
triwulan 1
161172318
323658516
triwulan 2
170571701
355428806
triwulan 3
178782387
350103404
:
Laporan
Keuangan
Bank
Mandiri
Universitas Sumatera Utara
Lampiran 3.
Daftar Simpanan dan Kredit Bank Rakyat Indonesia (dalam Juta Rupiah)
Tahun
2004
2005
2006
Waktu
Simpanan
Kredit
triwulan 1
75707000
49962000
triwulan 2
79649000
55047000
triwulan 3
78568000
58382000
triwulan 1
82820000
63356000
triwulan 2
89481000
68950000
triwulan 3
90201000
72456000
triwulan 1
97722000 123940000
triwulan 2 107870000
82260000
triwulan 3 112168000
86691000
triwulan 1 121898000 152170000
2007
triwulan 2 135810000
98780000
triwulan 3 142876000 105553000
triwulan 1 159643000 118436000
2008
triwulan 2 176533000 135955000
triwulan 3 175394000 151457000
triwulan 1 203108000 165230000
2009
triwulan 2 216346000 184600000
triwulan 3 220081000 192230000
triwulan 1 241497000 208960000
2010
triwulan 2 256054000 226200000
triwulan 3 257017000 228700000
Universitas Sumatera Utara
triwulan 1 290575000 249200000
2011
triwulan 2 294626000 265800000
triwulan 3 309714000 275800000
triwulan 1 336959800 283100000
2012
triwulan 2 371142000 304800000
triwulan 3 373137000 318000000
triwulan 1 403089000 361200000
2013
triwulan 2 438966000 391800000
triwulan 3 454730000 413300000
Sumber : Laporan Keuangan Bank Rakyat Indonesia
Universitas Sumatera Utara
Lampiran 4.
Daftar Simpanan dan Kredit Bank Negara Indonesia (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
2010
Waktu
Simpanan
Kredit
triwulan 1
86990635
41545776
triwulan 2
88976648
42763165
triwulan 3
89585961
43347921
triwulan 1
91088652
44071655
triwulan 2
92077985
45839711
triwulan 3
93500184
46475160
triwulan 1
126097552
46886589
triwulan 2
133452885
46007254
triwulan 3
135796740
51701332
triwulan 1
117985661
63988651
triwulan 2
124063671
65240829
triwulan 3
124295235
65237061
triwulan 1
105924894
88716275
triwulan 2
116609653
98626215
triwulan 3
137597570
89020624
triwulan 1
137365313
114409807
triwulan 2
139605505
119572171
triwulan 3
153801305
104299938
triwulan 1
144284184
105637856
triwulan 2
151579341
110843568
triwulan 3
148211056
110663080
Universitas Sumatera Utara
2011
2012
2013
triwulan 1
157143426
117535892
triwulan 2
172642227
152420652
triwulan 3
174661539
135945686
triwulan 1
162644444
141980793
triwulan 2
178319426
132440170
triwulan 3
184023906
139337288
triwulan 1
242934229
174800507
triwulan 2
223818799
194806447
triwulan 3
225600883
202748521
Sumber : Laporan Keuangan Bank Negara Indonesia
Universitas Sumatera Utara
Lampiran 4.
Daftar Simpanan dan Kredit Bank Tabungan Negara (dalam Juta Rupiah)
Tahun
2004
2005
2006
2007
2008
2009
2010
Waktu
simpanan
kredit
triwulan 1
18396082 11222516
triwulan 2
18219789 11549489
triwulan 3
18847386 12070994
triwulan 1
17532953 13009743
triwulan 2
17836791 13688581
triwulan 3
18480228 14521488
triwulan 1
20251238 15921958
triwulan 2
20809431 16656042
triwulan 3
20866921 17339560
triwulan 1
21989129 18533298
triwulan 2
22241310 19469105
triwulan 3
22652763 20787222
triwulan 1
24793739 23551498
triwulan 2
26707733 26184899
triwulan 3
27958923 30071481
triwulan 1
32423384 32197384
triwulan 2
33362952 34287060
triwulan 3
32618383 36318175
triwulan 1
36410515 40987332
triwulan 2
38453409 44005184
triwulan 3
41410365 46561282
Universitas Sumatera Utara
2011
2012
2013
triwulan 1
46117477 50352522
triwulan 2
48257072 53033563
triwulan 3
50324171 55473082
triwulan 1
60701428 62030760
triwulan 2
62402752 67144799
triwulan 3
69211839 70968317
triwulan 1
80745884 79167943
triwulan 2
76491780 84507040
triwulan 3
82841227 89095479
Sumber : Laporan Keuangan Bank Tabngan Negara
Universitas Sumatera Utara
Lampiran 5.
Hasil Regresi Pengaruh Simpanan Bank Mandiri (X1) Terhadap Suku
Bunga Bank (Y1)
Model Summary
Model
1
R
Adjusted R
Square
R Square
.795(a)
.632
Std. Error of
the Estimate
.619
.29019
a Predictors: (Constant), simpanan mandiri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
4.056
1
4.056
Residual
2.358
28
.084
Total
6.413
29
F
Sig.
48.160
.000(a)
a Predictors: (Constant), simpanan mandiri
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan mandiri
Std. Error
3.798
.202
-1.25E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.795
18.766
.000
-6.940
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 6.
Hasil Regresi Pengaruh Kredit Bank Mandiri (X2) Terhadap Suku Bunga
Bank (Y2)
Model Summary
Model
1
R
.857(a)
R Square
Adjusted R
Square
.734
Std. Error of
the Estimate
.724
.72017
a Predictors: (Constant), kredit mandiri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.033
1
40.033
Residual
14.522
28
.519
Total
54.555
29
F
Sig.
77.187
.000(a)
a Predictors: (Constant), kredit mandiri
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit mandiri
Std. Error
15.700
.267
-1.30E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.857
58.862
.000
-8.786
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 7.
Hasil Regresi Pengaruh Simpanan Bank Rakyat Indonesia (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.832(a)
R Square
Adjusted R
Square
.693
Std. Error of
the Estimate
.682
.26519
a Predictors: (Constant), simpanan bri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
F
Sig.
63.198
.000(a)
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
Regression
4.444
1
4.444
Residual
1.969
28
.070
Total
6.413
29
a Predictors: (Constant), simpanan bri
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan bri
Std. Error
3.153
.102
-3.33E-009
.000
-.832
31.018
.000
-7.950
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 8.
Hasil Regresi Pengaruh Kredit Bank Rakyat Indonesia (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.865(a)
R Square
Adjusted R
Square
.748
Std. Error of
the Estimate
.739
.70007
a Predictors: (Constant), kredit bri
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.832
1
40.832
Residual
13.723
28
.490
Total
54.555
29
F
Sig.
83.315
.000(a)
a Predictors: (Constant), kredit bri
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit bri
Std. Error
15.698
.257
-1.11E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.865
61.039
.000
-9.128
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 9.
Hasil Regresi Pengaruh Simpanan Bank Negara Indonesia (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.727(a)
R Square
Adjusted R
Square
.529
Std. Error of
the Estimate
.512
.32857
a Predictors: (Constant), simpanan bni
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
3.391
1
3.391
Residual
3.023
28
.108
Total
6.413
29
F
Sig.
31.408
.000(a)
a Predictors: (Constant), simpanan bni
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan bni
Std. Error
3.618
.218
-8.28E-009
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.727
16.584
.000
-5.604
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 10.
Hasil Regresi Pengaruh Kredit Bank Negara Indonesia (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.864(a)
R Square
Adjusted R
Square
.747
Std. Error of
the Estimate
.738
.70169
a Predictors: (Constant), kredit bni
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
40.769
1
40.769
Residual
13.786
28
.492
Total
54.555
29
F
Sig.
82.802
.000(a)
a Predictors: (Constant), kredit bni
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit bni
Std. Error
16.104
.298
-2.50E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.864
54.132
.000
-9.100
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara
Lampiran 11.
Hasil Regresi Pengaruh Simpanan Bank Tabungan Negara (X1) Terhadap
Suku Bunga Bank (Y1)
Model Summary
Model
1
R
.888(a)
R Square
Adjusted R
Square
.788
Std. Error of
the Estimate
.781
.22013
a Predictors: (Constant), simpanan btn
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
5.057
1
5.057
Residual
1.357
28
.048
Total
6.413
29
F
Sig.
104.347
.000(a)
a Predictors: (Constant), simpanan btn
b Dependent Variable: suku bungan simpanan
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
simpanan btn
Std. Error
3.196
.084
-2.04E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.888
38.057
.000
-10.215
.000
a Dependent Variable: suku bungan simpanan
Universitas Sumatera Utara
Lampiran 12.
Hasil Regresi Pengaruh Kredit Bank Tabungan Negara (X2) Terhadap Suku
Bunga Bank (Y2)
Model Summary
Model
1
R
.886(a)
R Square
Adjusted R
Square
.785
Std. Error of
the Estimate
.777
.64711
a Predictors: (Constant), kredit btn
ANOVA(b)
Sum of
Squares
Model
1
df
Mean Square
Regression
42.830
1
42.830
Residual
11.725
28
.419
Total
54.555
29
F
102.282
Sig.
.000(a)
a Predictors: (Constant), kredit btn
b Dependent Variable: suku bunga kredit
Coefficients(a)
Unstandardized
Coefficients
Model
1
B
(Constant)
kredit btn
Std. Error
15.550
.221
-5.10E-008
.000
Standardized
Coefficients
t
Sig.
Beta
B
Std. Error
-.886
70.370
.000
-10.113
.000
a Dependent Variable: suku bunga kredit
Universitas Sumatera Utara