Appendix Analisis FaktorFaktor yang Mempengaruhi Kinerja Bank Umum yang terdaftar di Bursa Efek Indonesia
LAMPIRAN
Lampiran I: Data Rasio Keuangan Bank Umum
Gambaran Rata-rata CAR, LDR, NPL, DER, dan BOPO Bank Umum
yang Terdaftar di Bursa Efek Indonesia Periode 2009-2012
Tahun
2009
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
BBNI
13,80
64,10
0,80
10,88
84,90
1,70
BBRI
13,20
80,88
3,52
10,63
77,66
3,73
BBTN
21,54
101,29
2,75
9,71
88,29
1,47
BMRI
15,70
61,40
0,40
10,23
44,60
3,00
AGRO
19,63
80,99
7,48
7,57
97,96
0,18
BABP
11,19
89,64
5,63
11,98
98,84
0,18
BAEK
21,75
45,54
1,11
9,75
77,79
2,21
BBCA
15,30
50,30
0,70
9,14
43,59
3,40
BBKP
14,36
75,99
2,81
13,65
86,93
1,46
BBNP
12,56
73,64
1,81
9,55
89,50
1,02
BCIC
10,02
81,66
9,53
12,23
92,66
3,84
BDMN
20,70
80,40
4,50
5,23
49,70
1,50
BKSW
12,56
66,97
5,33
12,15
96,46
0,30
BNBA
13,67
50,58
1,71
4,80
61,52
2,06
BNGA
13,38
96,69
3,03
8,55
82,98
2,10
BNII
14,78
82,93
2,42
10,56
100,77
0,07
BNLI
14,02
81,32
3,01
10,57
85,06
2,13
BSWD
32,90
81,10
1,82
4,08
74,57
3,53
INPC
13,77
84,04
2,83
15,02
94,45
0,44
MEGA
18,01
56,82
1,70
10,66
85,91
1,77
NISP
20,45
73,26
3,12
7,96
76,88
1,91
PNBN
21,53
73,31
3,16
6,16
46,35
1,78
SDRA
13,96
94,94
1,29
8,48
85,35
2,41
BEKS
18,02
79,21
2,91
11,53
95,90
0,88
BTPN
18,50
85,00
0,50
9,93
59,00
3,40
BVIC
16,86
50,43
3,00
10,69
92,05
1,10
BACA
31,68
56,78
1,50
5,86
90,38
0,61
MCOR
16,88
65,81
2,11
8,29
91,81
1,00
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
2010
2011
BBNI
18,60
70,20
1,10
6,50
76,00
2,50
BBRI
13,76
75,17
2,78
10,02
70,86
4,64
BBTN
16,74
108,42
2,66
9,61
82,39
2,05
BMRI
13,40
67,60
0,60
9,81
42,40
3,40
AGRO
14,95
85,68
8,82
9,97
95,97
0,67
BABP
12,55
84,96
4,34
11,14
94,60
0,51
BAEK
19,05
62,44
0,35
8,35
76,32
1,78
BBCA
13,50
55,20
0,60
8,51
47,13
3,50
BBKP
13,82
71,85
3,22
15,45
84,98
1,62
BBNP
12,76
80,41
0,63
9,25
85,17
1,50
BCIC
11,16
70,86
4,84
12,93
81,75
2,53
BDMN
16,00
109,00
3,00
5,40
50,10
2,70
BKSW
10,72
71,24
1,91
13,54
95,57
0,16
BNBA
12,56
54,18
1,40
5,12
65,15
1,52
BNGA
13,47
89,02
2,57
9,43
76,80
2,75
BNII
12,51
89,03
3,09
9,36
92,26
1,14
BNLI
14,05
87,46
2,65
8,31
84,01
1,98
BSWD
26,91
87,36
3,55
3,93
73,35
2,93
INPC
13,65
76,13
2,00
15,18
94,78
0,76
MEGA
15,03
56,03
0,90
10,82
77,79
2,45
NISP
17,63
80,00
1,99
8,81
83,25
1,29
PNBN
16,65
74,22
4,37
7,81
45,97
1,76
SDRA
19,69
100,20
1,76
7,25
79,30
2,78
BEKS
11,42
72,83
1,96
15,09
97,50
0,90
BTPN
23,40
91,00
1,10
7,19
59,00
4,00
BVIC
10,80
40,22
5,04
12,88
88,21
1,71
BACA
29,29
50,60
1,03
7,09
91,75
0,74
MCOR
BBNI
17,84
81,29
2,08
7,35
91,21
1,11
17,60
70,40
0,50
6,90
72,60
2,90
BBRI
14,96
76,20
2,30
8,43
66,69
4,93
BBTN
15,03
102,56
2,23
11,17
81,75
2,03
BMRI
15,00
74,10
0,50
7,81
41,60
3,40
AGRO
16,39
65,79
3,55
9,01
91,65
1,39
BABP
10,12
84,93
6,25
10,72
114,63
1,64
BAEK
16,37
70,06
0,74
8,00
81,00
1,49
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
2011
2012
BBCA
12,70
61,70
0,50
8,09
45,38
3,80
BBKP
14,33
85,01
2,88
12,07
82,05
1,87
BBNP
13,45
85,02
0,78
10,28
85,77
1,53
BCIC
9,41
83,90
4,46
12,10
87,22
2,17
BDMN
17,60
107,20
2,50
4,49
51,80
2,60
BKSW
9,71
75,02
2,30
3,03
96,89
0,43
BNBA
12,54
67,51
0,30
5,22
66,08
2,11
BNGA
13,16
95,36
2,61
8,08
76,10
2,85
BNII
11,83
95,07
2,14
10,93
92,75
1,13
BNLI
14,07
83,06
2,04
10,09
85,42
1,66
BSWD
23,19
85,71
1,98
5,00
67,51
3,66
INPC
12,65
82,21
1,85
15,62
95,68
0,72
MEGA
11,86
63,75
0,98
11,70
81,84
2,29
NISP
13,75
87,04
1,26
8,08
79,85
1,91
PNBN
17,45
80,36
3,56
6,85
51,47
2,02
SDRA
13,38
81,70
1,65
9,75
80,03
3,00
BEKS
12,02
66,78
1,12
11,94
98,69
0,75
BTPN
20,50
85,00
0,70
7,31
54,00
4,40
BVIC
14,86
63,62
2,38
8,74
78,33
2,65
BACA
21,58
44,24
0,81
6,71
92,82
0,84
MCOR
BBNI
12,27
79,30
2,18
10,57
92,97
0,96
16,70
77,50
0,80
6,66
71,00
2,90
BBRI
16,95
79,85
1,78
7,50
59,93
5,15
BBTN
17,69
100,90
3,12
11,16
80,74
1,94
BMRI
15,30
80,10
0,50
7,31
45,50
3,50
AGRO
14,80
82,48
3,71
7,48
86,54
1,63
BABP
11,21
79,48
5,78
7,98
99,68
0,09
BAEK
14,21
81,82
0,28
8,45
90,02
1,02
BBCA
14,20
68,60
0,40
7,66
46,57
3,60
BBKP
18,45
83,81
2,66
11,86
81,42
1,83
BBNP
12,17
84,94
0,58
10,38
85,18
1,57
BCIC
10,09
82,81
3,16
11,45
92,96
1,06
BDMN
18,90
112,50
2,30
4,26
50,80
2,70
BKSW
7,52
87,22
3,54
4,49
97,80
0,74
BNBA
13,54
77,50
0,20
5,23
73,71
2,47
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
BNGA
15,16
96,28
2,26
7,72
71,70
3,18
BNII
12,83
92,97
1,70
10,98
87,87
1,62
BNLI
15,86
89,52
1,37
9,55
84,51
1,70
BSWD
21,10
93,21
1,40
5,77
72,31
3,14
INPC
16,45
87,42
0,80
15,01
95,90
0,66
MEGA
16,83
52,39
2,09
8,97
76,73
2,74
NISP
16,49
87,05
0,91
7,84
78,93
1,79
PNBN
14,67
88,46
1,69
6,98
47,73
1,96
SDRA
14,70
84,39
1,99
13,17
81,49
2,78
BEKS
13,27
83,68
1,95
9,85
97,77
0,98
BTPN
21,50
86,00
0,60
6,64
54,00
4,70
BVIC
17,96
67,59
2,30
8,49
78,82
2,17
BACA
18,00
59,06
2,11
7,02
86,85
1,32
MCOR
Rata-rata
14,77
80,22
1,98
7,21
81,74
2,04
15,73
78,02
2,30
9,09
78,45
2,02
2012
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
112
a,b
Normal Parameters
Mean
,0000000
Std. Deviation
Most Extreme Differences
,80282392
Absolute
,126
Positive
,126
Negative
-,066
Kolmogorov-Smirnov Z
1,336
Asymp. Sig. (2-tailed)
,056
a. Test distribution is Normal.
b. Calculated from data.
Uji Multikolinieritas
a
Coefficients
Model
Unstandardized
Standardized
Coefficients
Coefficients
B
1
(Constant)
Std. Error
4,810
,760
CAR
,013
,021
LDR
,008
NPL
DER
BOPO
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
6,327
,000
,049
,637
,526
,790
1,266
,006
,100
1,429
,156
,956
1,046
-,017
,051
-,025
-,333
,739
,827
1,210
,027
,035
,065
,777
,439
,664
1,507
-,049
,006
-,712
-8,711
,000
,704
1,420
a. Dependent Variable: ROA
Uji Autokorelasi
Mo d e l Su m m a ryb
Model
R
1
a.
b.
,708
R
Square
,502
Adjusted R
Square
,478
Std. Error of
the Estimate
,82154
DurbinWatson
2,220
Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
Dependend Variable: ROA
Universitas Sumatera Utara
Uji Heteroskedastisitas
1.
Pendekatan Grafik
2.
Pendekatan Statistik
Uji Heteroskedastisitas Sebelum Transformasi Ln
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Std. Error
(Constant)
,839
,428
CAR
,016
,012
LDR
,001
NPL
DER
BOPO
Coefficients
Beta
t
Sig.
1,960
,053
,132
1,418
,159
,003
,027
,322
,748
,158
,029
,501
5,523
,000
,008
,020
,042
,414
,680
-,013
,003
-,405
-4,118
,000
a. Dependent Variable: absut
Universitas Sumatera Utara
Uji Heteroskedastisitas Setelah Transformasi Ln
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Coefficients
Std. Error
Beta
(Constant)
-,696
1,414
LN_CAR
-,108
,187
LN_LDR
,125
LN_DER
LN_BOPO
t
Sig.
-,492
,624
-,061
-,578
,565
,214
,056
,584
,560
,028
,152
,020
,185
,854
,194
,194
,105
,996
,321
a. Dependent Variable: absut
Regresi
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Coefficients
Std. Error
Beta
(Constant)
-,696
1,414
LN_CAR
-,108
,187
LN_LDR
,125
LN_DER
LN_BOPO
t
Sig.
-,492
,624
-,061
-,578
,565
,214
,056
,584
,560
,028
,152
,020
,185
,854
,194
,194
,105
,996
,321
a. Dependent Variable: absut
Uji F (Uji Hipotesis Secara Simultan)
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
72,080
5
14,416
Residual
71,542
106
,675
143,622
111
Total
F
21,359
Sig.
a
,000
a. Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
b. Dependent Variable: ROA
Universitas Sumatera Utara
Uji-t (Uji Hipotesis Secara Parsial)
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
(Constant)
Coefficients
Std. Error
Beta
4,810
,760
CAR
,013
,021
LDR
,008
NPL
DER
BOPO
t
Sig.
6,327
,000
,049
,637
,526
,006
,100
1,429
,156
-,017
,051
-,025
-,333
,739
,027
,035
,065
,777
,439
-,049
,006
-,712
-8,711
,000
a. Dependent Variable: ROA
Uji Koefisien Determinasi (�� )
Mo d e l Su m m a ry
Model
1
a.
R
,708
R Square
Adjusted R
Square
,502
,478
Std. Error of
the Estimate
,82154
Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
Universitas Sumatera Utara
Lampiran 2: Hasil Olah Data (Output) SPSS 18
Statistik Deskriptif Variabel Penelitian
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
CAR
112
7,52
32,90
15,7297
4,26292
LDR
112
40,22
112,50
78,0176
14,48880
NPL
112
,20
9,53
2,3021
1,68518
DER
112
3,03
15,62
9,0866
2,73983
BOPO
112
41,60
114,63
78,4482
16,65343
ROA
112
,07
5,15
2,0238
1,13749
Valid N (listwise)
112
Regression
Uji Normalitas
Universitas Sumatera Utara
Universitas Sumatera Utara
Universitas Sumatera Utara
Lampiran I: Data Rasio Keuangan Bank Umum
Gambaran Rata-rata CAR, LDR, NPL, DER, dan BOPO Bank Umum
yang Terdaftar di Bursa Efek Indonesia Periode 2009-2012
Tahun
2009
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
BBNI
13,80
64,10
0,80
10,88
84,90
1,70
BBRI
13,20
80,88
3,52
10,63
77,66
3,73
BBTN
21,54
101,29
2,75
9,71
88,29
1,47
BMRI
15,70
61,40
0,40
10,23
44,60
3,00
AGRO
19,63
80,99
7,48
7,57
97,96
0,18
BABP
11,19
89,64
5,63
11,98
98,84
0,18
BAEK
21,75
45,54
1,11
9,75
77,79
2,21
BBCA
15,30
50,30
0,70
9,14
43,59
3,40
BBKP
14,36
75,99
2,81
13,65
86,93
1,46
BBNP
12,56
73,64
1,81
9,55
89,50
1,02
BCIC
10,02
81,66
9,53
12,23
92,66
3,84
BDMN
20,70
80,40
4,50
5,23
49,70
1,50
BKSW
12,56
66,97
5,33
12,15
96,46
0,30
BNBA
13,67
50,58
1,71
4,80
61,52
2,06
BNGA
13,38
96,69
3,03
8,55
82,98
2,10
BNII
14,78
82,93
2,42
10,56
100,77
0,07
BNLI
14,02
81,32
3,01
10,57
85,06
2,13
BSWD
32,90
81,10
1,82
4,08
74,57
3,53
INPC
13,77
84,04
2,83
15,02
94,45
0,44
MEGA
18,01
56,82
1,70
10,66
85,91
1,77
NISP
20,45
73,26
3,12
7,96
76,88
1,91
PNBN
21,53
73,31
3,16
6,16
46,35
1,78
SDRA
13,96
94,94
1,29
8,48
85,35
2,41
BEKS
18,02
79,21
2,91
11,53
95,90
0,88
BTPN
18,50
85,00
0,50
9,93
59,00
3,40
BVIC
16,86
50,43
3,00
10,69
92,05
1,10
BACA
31,68
56,78
1,50
5,86
90,38
0,61
MCOR
16,88
65,81
2,11
8,29
91,81
1,00
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
2010
2011
BBNI
18,60
70,20
1,10
6,50
76,00
2,50
BBRI
13,76
75,17
2,78
10,02
70,86
4,64
BBTN
16,74
108,42
2,66
9,61
82,39
2,05
BMRI
13,40
67,60
0,60
9,81
42,40
3,40
AGRO
14,95
85,68
8,82
9,97
95,97
0,67
BABP
12,55
84,96
4,34
11,14
94,60
0,51
BAEK
19,05
62,44
0,35
8,35
76,32
1,78
BBCA
13,50
55,20
0,60
8,51
47,13
3,50
BBKP
13,82
71,85
3,22
15,45
84,98
1,62
BBNP
12,76
80,41
0,63
9,25
85,17
1,50
BCIC
11,16
70,86
4,84
12,93
81,75
2,53
BDMN
16,00
109,00
3,00
5,40
50,10
2,70
BKSW
10,72
71,24
1,91
13,54
95,57
0,16
BNBA
12,56
54,18
1,40
5,12
65,15
1,52
BNGA
13,47
89,02
2,57
9,43
76,80
2,75
BNII
12,51
89,03
3,09
9,36
92,26
1,14
BNLI
14,05
87,46
2,65
8,31
84,01
1,98
BSWD
26,91
87,36
3,55
3,93
73,35
2,93
INPC
13,65
76,13
2,00
15,18
94,78
0,76
MEGA
15,03
56,03
0,90
10,82
77,79
2,45
NISP
17,63
80,00
1,99
8,81
83,25
1,29
PNBN
16,65
74,22
4,37
7,81
45,97
1,76
SDRA
19,69
100,20
1,76
7,25
79,30
2,78
BEKS
11,42
72,83
1,96
15,09
97,50
0,90
BTPN
23,40
91,00
1,10
7,19
59,00
4,00
BVIC
10,80
40,22
5,04
12,88
88,21
1,71
BACA
29,29
50,60
1,03
7,09
91,75
0,74
MCOR
BBNI
17,84
81,29
2,08
7,35
91,21
1,11
17,60
70,40
0,50
6,90
72,60
2,90
BBRI
14,96
76,20
2,30
8,43
66,69
4,93
BBTN
15,03
102,56
2,23
11,17
81,75
2,03
BMRI
15,00
74,10
0,50
7,81
41,60
3,40
AGRO
16,39
65,79
3,55
9,01
91,65
1,39
BABP
10,12
84,93
6,25
10,72
114,63
1,64
BAEK
16,37
70,06
0,74
8,00
81,00
1,49
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
2011
2012
BBCA
12,70
61,70
0,50
8,09
45,38
3,80
BBKP
14,33
85,01
2,88
12,07
82,05
1,87
BBNP
13,45
85,02
0,78
10,28
85,77
1,53
BCIC
9,41
83,90
4,46
12,10
87,22
2,17
BDMN
17,60
107,20
2,50
4,49
51,80
2,60
BKSW
9,71
75,02
2,30
3,03
96,89
0,43
BNBA
12,54
67,51
0,30
5,22
66,08
2,11
BNGA
13,16
95,36
2,61
8,08
76,10
2,85
BNII
11,83
95,07
2,14
10,93
92,75
1,13
BNLI
14,07
83,06
2,04
10,09
85,42
1,66
BSWD
23,19
85,71
1,98
5,00
67,51
3,66
INPC
12,65
82,21
1,85
15,62
95,68
0,72
MEGA
11,86
63,75
0,98
11,70
81,84
2,29
NISP
13,75
87,04
1,26
8,08
79,85
1,91
PNBN
17,45
80,36
3,56
6,85
51,47
2,02
SDRA
13,38
81,70
1,65
9,75
80,03
3,00
BEKS
12,02
66,78
1,12
11,94
98,69
0,75
BTPN
20,50
85,00
0,70
7,31
54,00
4,40
BVIC
14,86
63,62
2,38
8,74
78,33
2,65
BACA
21,58
44,24
0,81
6,71
92,82
0,84
MCOR
BBNI
12,27
79,30
2,18
10,57
92,97
0,96
16,70
77,50
0,80
6,66
71,00
2,90
BBRI
16,95
79,85
1,78
7,50
59,93
5,15
BBTN
17,69
100,90
3,12
11,16
80,74
1,94
BMRI
15,30
80,10
0,50
7,31
45,50
3,50
AGRO
14,80
82,48
3,71
7,48
86,54
1,63
BABP
11,21
79,48
5,78
7,98
99,68
0,09
BAEK
14,21
81,82
0,28
8,45
90,02
1,02
BBCA
14,20
68,60
0,40
7,66
46,57
3,60
BBKP
18,45
83,81
2,66
11,86
81,42
1,83
BBNP
12,17
84,94
0,58
10,38
85,18
1,57
BCIC
10,09
82,81
3,16
11,45
92,96
1,06
BDMN
18,90
112,50
2,30
4,26
50,80
2,70
BKSW
7,52
87,22
3,54
4,49
97,80
0,74
BNBA
13,54
77,50
0,20
5,23
73,71
2,47
Universitas Sumatera Utara
Tahun
Kode
Emiten
CAR
LDR
NPL
DER
BOPO
ROA
Satuan Persen (%)
BNGA
15,16
96,28
2,26
7,72
71,70
3,18
BNII
12,83
92,97
1,70
10,98
87,87
1,62
BNLI
15,86
89,52
1,37
9,55
84,51
1,70
BSWD
21,10
93,21
1,40
5,77
72,31
3,14
INPC
16,45
87,42
0,80
15,01
95,90
0,66
MEGA
16,83
52,39
2,09
8,97
76,73
2,74
NISP
16,49
87,05
0,91
7,84
78,93
1,79
PNBN
14,67
88,46
1,69
6,98
47,73
1,96
SDRA
14,70
84,39
1,99
13,17
81,49
2,78
BEKS
13,27
83,68
1,95
9,85
97,77
0,98
BTPN
21,50
86,00
0,60
6,64
54,00
4,70
BVIC
17,96
67,59
2,30
8,49
78,82
2,17
BACA
18,00
59,06
2,11
7,02
86,85
1,32
MCOR
Rata-rata
14,77
80,22
1,98
7,21
81,74
2,04
15,73
78,02
2,30
9,09
78,45
2,02
2012
Universitas Sumatera Utara
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
112
a,b
Normal Parameters
Mean
,0000000
Std. Deviation
Most Extreme Differences
,80282392
Absolute
,126
Positive
,126
Negative
-,066
Kolmogorov-Smirnov Z
1,336
Asymp. Sig. (2-tailed)
,056
a. Test distribution is Normal.
b. Calculated from data.
Uji Multikolinieritas
a
Coefficients
Model
Unstandardized
Standardized
Coefficients
Coefficients
B
1
(Constant)
Std. Error
4,810
,760
CAR
,013
,021
LDR
,008
NPL
DER
BOPO
Beta
Collinearity Statistics
t
Sig.
Tolerance
VIF
6,327
,000
,049
,637
,526
,790
1,266
,006
,100
1,429
,156
,956
1,046
-,017
,051
-,025
-,333
,739
,827
1,210
,027
,035
,065
,777
,439
,664
1,507
-,049
,006
-,712
-8,711
,000
,704
1,420
a. Dependent Variable: ROA
Uji Autokorelasi
Mo d e l Su m m a ryb
Model
R
1
a.
b.
,708
R
Square
,502
Adjusted R
Square
,478
Std. Error of
the Estimate
,82154
DurbinWatson
2,220
Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
Dependend Variable: ROA
Universitas Sumatera Utara
Uji Heteroskedastisitas
1.
Pendekatan Grafik
2.
Pendekatan Statistik
Uji Heteroskedastisitas Sebelum Transformasi Ln
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Std. Error
(Constant)
,839
,428
CAR
,016
,012
LDR
,001
NPL
DER
BOPO
Coefficients
Beta
t
Sig.
1,960
,053
,132
1,418
,159
,003
,027
,322
,748
,158
,029
,501
5,523
,000
,008
,020
,042
,414
,680
-,013
,003
-,405
-4,118
,000
a. Dependent Variable: absut
Universitas Sumatera Utara
Uji Heteroskedastisitas Setelah Transformasi Ln
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Coefficients
Std. Error
Beta
(Constant)
-,696
1,414
LN_CAR
-,108
,187
LN_LDR
,125
LN_DER
LN_BOPO
t
Sig.
-,492
,624
-,061
-,578
,565
,214
,056
,584
,560
,028
,152
,020
,185
,854
,194
,194
,105
,996
,321
a. Dependent Variable: absut
Regresi
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
Coefficients
Std. Error
Beta
(Constant)
-,696
1,414
LN_CAR
-,108
,187
LN_LDR
,125
LN_DER
LN_BOPO
t
Sig.
-,492
,624
-,061
-,578
,565
,214
,056
,584
,560
,028
,152
,020
,185
,854
,194
,194
,105
,996
,321
a. Dependent Variable: absut
Uji F (Uji Hipotesis Secara Simultan)
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
72,080
5
14,416
Residual
71,542
106
,675
143,622
111
Total
F
21,359
Sig.
a
,000
a. Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
b. Dependent Variable: ROA
Universitas Sumatera Utara
Uji-t (Uji Hipotesis Secara Parsial)
a
Coefficients
Model
Standardized
Unstandardized Coefficients
B
1
(Constant)
Coefficients
Std. Error
Beta
4,810
,760
CAR
,013
,021
LDR
,008
NPL
DER
BOPO
t
Sig.
6,327
,000
,049
,637
,526
,006
,100
1,429
,156
-,017
,051
-,025
-,333
,739
,027
,035
,065
,777
,439
-,049
,006
-,712
-8,711
,000
a. Dependent Variable: ROA
Uji Koefisien Determinasi (�� )
Mo d e l Su m m a ry
Model
1
a.
R
,708
R Square
Adjusted R
Square
,502
,478
Std. Error of
the Estimate
,82154
Predictors: (Constant), BOPO, LDR, CAR, NPL, DER
Universitas Sumatera Utara
Lampiran 2: Hasil Olah Data (Output) SPSS 18
Statistik Deskriptif Variabel Penelitian
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
CAR
112
7,52
32,90
15,7297
4,26292
LDR
112
40,22
112,50
78,0176
14,48880
NPL
112
,20
9,53
2,3021
1,68518
DER
112
3,03
15,62
9,0866
2,73983
BOPO
112
41,60
114,63
78,4482
16,65343
ROA
112
,07
5,15
2,0238
1,13749
Valid N (listwise)
112
Regression
Uji Normalitas
Universitas Sumatera Utara
Universitas Sumatera Utara
Universitas Sumatera Utara