Pengaruh Risiko Usaha Bank Terhadap Return On Assets Pada Bank Umum Nasional Yang Terdaftar di Bursa Efek Indonesia
LAMPIRAN
Lampiran 1
Daftar Bank Umum Nasional Yang Terdaftar Di Bursa Efek Indonesia
Tahun 2009-2011
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
Nama Bank
Bank Agroniaga
Bank
Artha
Graha
Internasional
Bank Bukopin
Bank Bumi Arta
Bank Bumiputera Indonesia
Bank Capital Indonesia
Bank Central Asia
Bank Century
Bank CIMB Niaga
Bank Danamon Indonesia
Bank Ekonomi Raharja
Bank Eksekutif Internasional
Bank Himpunan Saudara 1906
Bank Internasional Indonesia
Bank Kesawan
Bank Mandiri
Bank Mayapada Internasional
Bank MEGA
Bank Negara Indonesia
Bank OCBC NISP
Bank Nusantara Parahyangan
Bank Pan Indonesia
Bank Permata
Bank Rakyat Indonesia
Bank Swadesi
Bank Tabungan Pensiunan
Nasional
Bank Victoria Internasional
Bank
Windu
Kentjana
Internasional
Bank Mutiara
Bank Tabungan Negara
Bank Pundi Indonesia
Bank Jawa Barat dan Banten
2009
Kriteria
2010
Sampel
2011
1
2
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
x
x
x
x
-
84
Universitas Sumatera Utara
33 Bank Sinarmas
x
34 Bank Of India Indonesia
x
Sumber : www.idx.co.id, ditabulasi Penulis, 2013
-
Lampiran 2
Daftar Sampel Penelitian
No
Nama Bank Umum Nasional
Kode
Tanggal Listing
1
Bank Agroniaga Tbk
AGRO
8 Agustus 2003
2
Bank Artha Graha Internasional Tbk
INPC
29 Agustus 1990
3
Bank Bukopin Tbk
BBKP
10 Juli 2006
4
Bank Capital Indonesia Tbk
BACA
4 Oktober 2007
5
Bank Central Asia Tbk
BBCA
31 Mei 2000
6
Bank CIMB Niaga Tbk
BNGA
29 November 1989
7
Bank Danamon Indonesia Tbk
BDMN
6 Desember 1989
8
Bank Ekonomi Raharja Tbk
BAEK
8 Januari 2008
9
Bank Himpunan Saudara 1906 Tbk
SDRA
15 Desember 2006
10
Bank Mandiri Tbk
BMRI
14 Juli 2003
11
Bank Mayapada Internasional Tbk
MAYA
29 Agustus 1997
12
Bank MEGA Tbk
MEGA
17 April 2000
13
Bank Negara Indonesia Tbk
BBNI
25 November 1996
14
Bank OCBC NISP Tbk
NISP
20 Oktober 1994
15
Bank Nusantara Parahyangan Tbk
BBNP
10 Januari 2001
16
Bank Pan Indonesia Tbk
PNBN
29 Desember 1982
85
Universitas Sumatera Utara
17
Bank Rakyat Indonesia Tbk
BBRI
10 November 2003
18
Bank Tabungan Pensiunan Nasional Tbk
BTPN
12 Maret 2008
19
Bank Victoria Internasional Tbk
BVIC
30 Juni 1999
20
Bank Windu Kentjana Internasional Tbk
MCOR
3 Juli 2007
Sumber : www.idx.co.id, diolah Penulis, 2013
Lampiran 3
Tabulasi Data Penelitian Masing-masing Variabel Tahun 2009-2011
Kode
No
1
2
3
4
5
6
Perusahaan
AGRO
INPC
BBKP
BACA
BBCA
BNGA
Tahun
ROA
NPL
LDR
CAR
NIM
2009
0.0018
0.0448
0.8099
0.1963
0.0498
2010
0.0067
0.0184
0.8668
0.1442
0.0503
2011
0.0139
0.0000
0.6579
0.1639
0.0454
2009
0.0072
0.0185
0.8221
0.1265
0.0355
2010
0.0076
0.0200
0.7613
0.1365
0.0397
2011
0.0044
0.0283
0.8404
0.1377
0.0381
2009
0.0146
0.0281
0.7599
0.1436
0.0407
2010
0.0162
0.0322
0.7185
0.1302
0.0475
2011
0.0187
0.0288
0.8501
0.1433
0.0455
2009
0.0142
0.0058
0.4965
0.4462
0.0464
2010
0.0074
0.0103
0.5060
0.2929
0.0395
2011
0.0084
0.0081
0.4424
0.2158
0.0362
2009
0.0340
0.0070
0.5030
0.1530
0.0640
2010
0.0350
0.0060
0.5520
0.1350
0.0530
2011
0.0380
0.0050
0.6170
0.1270
0.0570
2009
0.0210
0.0306
0.9511
0.1388
0.0678
2010
0.0275
0.0259
0.8804
0.1347
0.0646
86
Universitas Sumatera Utara
7
8
9
10
11
12
13
14
15
16
BDMN
BAEK
SDRA
BMRI
MAYA
MEGA
BBNI
NISP
BBNP
PNBN
2011
0.0285
0.0264
0.9441
0.1316
0.0563
2009
0.0150
0.0450
0.8880
0.2070
0.1120
2010
0.0280
0.0300
0.9380
0.1600
0.1130
2011
0.0260
0.0250
0.9830
0.1750
0.0980
2009
0.0221
0.0111
0.4554
0.2175
0.0463
2010
0.0178
0.0035
0.6244
0.1905
0.0409
2011
0.0149
0.0074
0.7006
0.1637
0.0438
2009
0.0241
0.0070
0.9494
0.1410
0.0719
2010
0.0278
0.0084
10.020
0.1969
0.1024
2011
0.0300
0.0108
0.8170
0.1388
0.0993
2009
0.0300
0.0280
0.6140
0.1560
0.0500
2010
0.0340
0.0470
0.5920
0.1570
0.0530
2011
0.0340
0.0220
0.7410
0.1120
0.0510
2009
0.0090
0.0049
0.8377
0.1705
0.0674
2010
0.0122
0.0201
0.7838
0.2040
0.0625
2011
0.0207
0.0151
0.8210
0.1468
0.0584
2009
0.0177
0.0170
0.5682
0.1801
0.0494
2010
0.0245
0.0090
0.5603
0.1503
0.0488
2011
0.0229
0.0098
0.6375
0.1186
0.0540
2009
0.0170
0.0470
0.6410
0.1380
0.0600
2010
0.0250
0.0430
0.7020
0.1860
0.0580
2011
0.0290
0.0360
0.7040
0.1760
0.0600
2009
0.0191
0.0312
0.7326
0.2045
0.0535
2010
0.0129
0.0199
0.8000
0.1763
0.0504
2011
0.0191
0.0126
0.8704
0.1375
0.0480
2009
0.0102
0.0181
0.7364
0.1256
0.0369
2010
0.0150
0.0063
0.8041
0.1276
0.0491
2011
0.0153
0.0078
0.8492
0.1345
0.0499
2009
0.0178
0.0316
0.7331
0.2179
0.0476
2010
0.0176
0.0436
0.7422
0.1665
0.0459
87
Universitas Sumatera Utara
17
18
19
20
BBRI
BTPN
BVIC
MCOR
2011
0.0202
0.0356
0.8036
0.1745
0.0464
2009
0.0373
0.0352
0.8088
0.1320
0.0914
2010
0.0464
0.0279
0.7517
0.1376
0.1077
2011
0.0493
0.0232
0.7620
0.1496
0.0958
2009
0.0340
0.0050
0.8500
0.1850
0.1220
2010
0.0400
0.0110
0.9100
0.2340
0.1400
2011
0.0440
0.0070
0.8500
0.2050
0.1300
2009
0.0110
0.0300
0.5043
0.1692
0.0238
2010
0.0171
0.0507
0.4022
0.1372
0.0177
2011
0.0265
0.0238
0.6362
0.1492
0.0186
2009
0.0100
0.0211
0.6558
0.1688
0.0448
2010
0.0111
0.0208
0.8129
0.1784
0.0461
2011
0.0096
0.0218
0.7930
0.1227
0.0462
Sumber : www.idx.co.id, diolah Penulis, 2013
Lampiran 4
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
ROA (Y)
60
.0018
.0493
.021172
.0109571
NPL (X1)
60
.0000
.0507
.021258
.0131758
LDR (X2)
60
.4022
10.0200
.889437
1.2069929
CAR (X3)
60
.1120
.4462
.166942
.0499096
NIM (X4)
60
.0177
.1400
.059820
.0268374
Valid N (listwise)
60
Sumber : Output SPSS, 2013
88
Universitas Sumatera Utara
Lampiran 5
Hasil Uji Normalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
a,,b
Mean
Std. Deviation
Most Extreme Differences
60
.0000000
.00821440
Absolute
.066
Positive
.066
Negative
-.047
Kolmogorov-Smirnov Z
.513
Asymp. Sig. (2-tailed)
.955
a. Test distribution is Normal.
b. Calculated from data.
Sumber : Output SPSS, 2013
89
Universitas Sumatera Utara
Lampiran 6
Sumber : Output SPSS, 2013
90
Universitas Sumatera Utara
Lampiran 7
Grafik Normal Plot
Sumber : Output SPSS, 2013
91
Universitas Sumatera Utara
Lampiran 8
Hasil Uji Multikoloniearitas
Coefficients
a
Collinearity Statistics
Model
1
Tolerance
VIF
NPL
.961
1.040
LDR
.921
1.086
CAR
.971
1.030
NIM
.920
1.087
a. Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 9
Hasil Uji Autokorelasi
b
Model Summary
Model
1
R
.662
R Square
a
Adjusted R
Square
.438
.397
Std. Error of the
Estimate
.0085079
Durbin-Watson
1.871
a. Predictors: (Constant), NIM, CAR, NPL, LDR
b. Dependent Variable: ROA
Sumber : Output SPSS, 2013
92
Universitas Sumatera Utara
Lampiran 10
Hasil Uji Heterokedastisitas
Sumber : Output SPSS, 2013
93
Universitas Sumatera Utara
Lampiran 11
Hasil Analisis Regresi
Coefficients
a
Standardized
Coefficients
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
Beta
.014
.005
NPL
-.028
.086
LDR
.000
CAR
NIM
t
Sig.
2.653
.010
-.034
-.328
.744
.001
-.084
-.800
.427
-.044
.023
-.200
-1.952
.056
.271
.043
.664
6.298
.000
a. Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 12
Hasil Analisis Regresi (R2)
Model Summary
Model
1
R
.662
R Square
a
Adjusted R
Std. Error of the
Square
Estimate
.438
.397
.0085079
a. Predictors: (Constant), NIM, CAR, NPL, LDR
Sumber : Output SPSS, 2013
94
Universitas Sumatera Utara
Lampiran 13
Hasil Uji t
Coefficients
a
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
a.
Standardized
Coefficients
Beta
.014
.005
NPL
-.028
.086
LDR
.000
CAR
NIM
t
Sig.
2.653
.010
-.034
-.328
.744
.001
-.084
-.800
.427
-.044
.023
-.200
-1.952
.056
.271
.043
.664
6.298
.000
Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 14
Hasil Uji F
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
.003
4
.001
Residual
.004
55
.000
Total
.007
59
F
10.715
Sig.
.000
a
a. Predictors: (Constant), NIM, CAR, NPL, LDR
b. Dependent Variable: ROA
Sumber : Output SPSS, 2013
95
Universitas Sumatera Utara
96
Universitas Sumatera Utara
Lampiran 1
Daftar Bank Umum Nasional Yang Terdaftar Di Bursa Efek Indonesia
Tahun 2009-2011
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
Nama Bank
Bank Agroniaga
Bank
Artha
Graha
Internasional
Bank Bukopin
Bank Bumi Arta
Bank Bumiputera Indonesia
Bank Capital Indonesia
Bank Central Asia
Bank Century
Bank CIMB Niaga
Bank Danamon Indonesia
Bank Ekonomi Raharja
Bank Eksekutif Internasional
Bank Himpunan Saudara 1906
Bank Internasional Indonesia
Bank Kesawan
Bank Mandiri
Bank Mayapada Internasional
Bank MEGA
Bank Negara Indonesia
Bank OCBC NISP
Bank Nusantara Parahyangan
Bank Pan Indonesia
Bank Permata
Bank Rakyat Indonesia
Bank Swadesi
Bank Tabungan Pensiunan
Nasional
Bank Victoria Internasional
Bank
Windu
Kentjana
Internasional
Bank Mutiara
Bank Tabungan Negara
Bank Pundi Indonesia
Bank Jawa Barat dan Banten
2009
Kriteria
2010
Sampel
2011
1
2
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
x
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
x
x
x
x
-
84
Universitas Sumatera Utara
33 Bank Sinarmas
x
34 Bank Of India Indonesia
x
Sumber : www.idx.co.id, ditabulasi Penulis, 2013
-
Lampiran 2
Daftar Sampel Penelitian
No
Nama Bank Umum Nasional
Kode
Tanggal Listing
1
Bank Agroniaga Tbk
AGRO
8 Agustus 2003
2
Bank Artha Graha Internasional Tbk
INPC
29 Agustus 1990
3
Bank Bukopin Tbk
BBKP
10 Juli 2006
4
Bank Capital Indonesia Tbk
BACA
4 Oktober 2007
5
Bank Central Asia Tbk
BBCA
31 Mei 2000
6
Bank CIMB Niaga Tbk
BNGA
29 November 1989
7
Bank Danamon Indonesia Tbk
BDMN
6 Desember 1989
8
Bank Ekonomi Raharja Tbk
BAEK
8 Januari 2008
9
Bank Himpunan Saudara 1906 Tbk
SDRA
15 Desember 2006
10
Bank Mandiri Tbk
BMRI
14 Juli 2003
11
Bank Mayapada Internasional Tbk
MAYA
29 Agustus 1997
12
Bank MEGA Tbk
MEGA
17 April 2000
13
Bank Negara Indonesia Tbk
BBNI
25 November 1996
14
Bank OCBC NISP Tbk
NISP
20 Oktober 1994
15
Bank Nusantara Parahyangan Tbk
BBNP
10 Januari 2001
16
Bank Pan Indonesia Tbk
PNBN
29 Desember 1982
85
Universitas Sumatera Utara
17
Bank Rakyat Indonesia Tbk
BBRI
10 November 2003
18
Bank Tabungan Pensiunan Nasional Tbk
BTPN
12 Maret 2008
19
Bank Victoria Internasional Tbk
BVIC
30 Juni 1999
20
Bank Windu Kentjana Internasional Tbk
MCOR
3 Juli 2007
Sumber : www.idx.co.id, diolah Penulis, 2013
Lampiran 3
Tabulasi Data Penelitian Masing-masing Variabel Tahun 2009-2011
Kode
No
1
2
3
4
5
6
Perusahaan
AGRO
INPC
BBKP
BACA
BBCA
BNGA
Tahun
ROA
NPL
LDR
CAR
NIM
2009
0.0018
0.0448
0.8099
0.1963
0.0498
2010
0.0067
0.0184
0.8668
0.1442
0.0503
2011
0.0139
0.0000
0.6579
0.1639
0.0454
2009
0.0072
0.0185
0.8221
0.1265
0.0355
2010
0.0076
0.0200
0.7613
0.1365
0.0397
2011
0.0044
0.0283
0.8404
0.1377
0.0381
2009
0.0146
0.0281
0.7599
0.1436
0.0407
2010
0.0162
0.0322
0.7185
0.1302
0.0475
2011
0.0187
0.0288
0.8501
0.1433
0.0455
2009
0.0142
0.0058
0.4965
0.4462
0.0464
2010
0.0074
0.0103
0.5060
0.2929
0.0395
2011
0.0084
0.0081
0.4424
0.2158
0.0362
2009
0.0340
0.0070
0.5030
0.1530
0.0640
2010
0.0350
0.0060
0.5520
0.1350
0.0530
2011
0.0380
0.0050
0.6170
0.1270
0.0570
2009
0.0210
0.0306
0.9511
0.1388
0.0678
2010
0.0275
0.0259
0.8804
0.1347
0.0646
86
Universitas Sumatera Utara
7
8
9
10
11
12
13
14
15
16
BDMN
BAEK
SDRA
BMRI
MAYA
MEGA
BBNI
NISP
BBNP
PNBN
2011
0.0285
0.0264
0.9441
0.1316
0.0563
2009
0.0150
0.0450
0.8880
0.2070
0.1120
2010
0.0280
0.0300
0.9380
0.1600
0.1130
2011
0.0260
0.0250
0.9830
0.1750
0.0980
2009
0.0221
0.0111
0.4554
0.2175
0.0463
2010
0.0178
0.0035
0.6244
0.1905
0.0409
2011
0.0149
0.0074
0.7006
0.1637
0.0438
2009
0.0241
0.0070
0.9494
0.1410
0.0719
2010
0.0278
0.0084
10.020
0.1969
0.1024
2011
0.0300
0.0108
0.8170
0.1388
0.0993
2009
0.0300
0.0280
0.6140
0.1560
0.0500
2010
0.0340
0.0470
0.5920
0.1570
0.0530
2011
0.0340
0.0220
0.7410
0.1120
0.0510
2009
0.0090
0.0049
0.8377
0.1705
0.0674
2010
0.0122
0.0201
0.7838
0.2040
0.0625
2011
0.0207
0.0151
0.8210
0.1468
0.0584
2009
0.0177
0.0170
0.5682
0.1801
0.0494
2010
0.0245
0.0090
0.5603
0.1503
0.0488
2011
0.0229
0.0098
0.6375
0.1186
0.0540
2009
0.0170
0.0470
0.6410
0.1380
0.0600
2010
0.0250
0.0430
0.7020
0.1860
0.0580
2011
0.0290
0.0360
0.7040
0.1760
0.0600
2009
0.0191
0.0312
0.7326
0.2045
0.0535
2010
0.0129
0.0199
0.8000
0.1763
0.0504
2011
0.0191
0.0126
0.8704
0.1375
0.0480
2009
0.0102
0.0181
0.7364
0.1256
0.0369
2010
0.0150
0.0063
0.8041
0.1276
0.0491
2011
0.0153
0.0078
0.8492
0.1345
0.0499
2009
0.0178
0.0316
0.7331
0.2179
0.0476
2010
0.0176
0.0436
0.7422
0.1665
0.0459
87
Universitas Sumatera Utara
17
18
19
20
BBRI
BTPN
BVIC
MCOR
2011
0.0202
0.0356
0.8036
0.1745
0.0464
2009
0.0373
0.0352
0.8088
0.1320
0.0914
2010
0.0464
0.0279
0.7517
0.1376
0.1077
2011
0.0493
0.0232
0.7620
0.1496
0.0958
2009
0.0340
0.0050
0.8500
0.1850
0.1220
2010
0.0400
0.0110
0.9100
0.2340
0.1400
2011
0.0440
0.0070
0.8500
0.2050
0.1300
2009
0.0110
0.0300
0.5043
0.1692
0.0238
2010
0.0171
0.0507
0.4022
0.1372
0.0177
2011
0.0265
0.0238
0.6362
0.1492
0.0186
2009
0.0100
0.0211
0.6558
0.1688
0.0448
2010
0.0111
0.0208
0.8129
0.1784
0.0461
2011
0.0096
0.0218
0.7930
0.1227
0.0462
Sumber : www.idx.co.id, diolah Penulis, 2013
Lampiran 4
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
ROA (Y)
60
.0018
.0493
.021172
.0109571
NPL (X1)
60
.0000
.0507
.021258
.0131758
LDR (X2)
60
.4022
10.0200
.889437
1.2069929
CAR (X3)
60
.1120
.4462
.166942
.0499096
NIM (X4)
60
.0177
.1400
.059820
.0268374
Valid N (listwise)
60
Sumber : Output SPSS, 2013
88
Universitas Sumatera Utara
Lampiran 5
Hasil Uji Normalitas
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
Normal Parameters
a,,b
Mean
Std. Deviation
Most Extreme Differences
60
.0000000
.00821440
Absolute
.066
Positive
.066
Negative
-.047
Kolmogorov-Smirnov Z
.513
Asymp. Sig. (2-tailed)
.955
a. Test distribution is Normal.
b. Calculated from data.
Sumber : Output SPSS, 2013
89
Universitas Sumatera Utara
Lampiran 6
Sumber : Output SPSS, 2013
90
Universitas Sumatera Utara
Lampiran 7
Grafik Normal Plot
Sumber : Output SPSS, 2013
91
Universitas Sumatera Utara
Lampiran 8
Hasil Uji Multikoloniearitas
Coefficients
a
Collinearity Statistics
Model
1
Tolerance
VIF
NPL
.961
1.040
LDR
.921
1.086
CAR
.971
1.030
NIM
.920
1.087
a. Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 9
Hasil Uji Autokorelasi
b
Model Summary
Model
1
R
.662
R Square
a
Adjusted R
Square
.438
.397
Std. Error of the
Estimate
.0085079
Durbin-Watson
1.871
a. Predictors: (Constant), NIM, CAR, NPL, LDR
b. Dependent Variable: ROA
Sumber : Output SPSS, 2013
92
Universitas Sumatera Utara
Lampiran 10
Hasil Uji Heterokedastisitas
Sumber : Output SPSS, 2013
93
Universitas Sumatera Utara
Lampiran 11
Hasil Analisis Regresi
Coefficients
a
Standardized
Coefficients
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
Beta
.014
.005
NPL
-.028
.086
LDR
.000
CAR
NIM
t
Sig.
2.653
.010
-.034
-.328
.744
.001
-.084
-.800
.427
-.044
.023
-.200
-1.952
.056
.271
.043
.664
6.298
.000
a. Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 12
Hasil Analisis Regresi (R2)
Model Summary
Model
1
R
.662
R Square
a
Adjusted R
Std. Error of the
Square
Estimate
.438
.397
.0085079
a. Predictors: (Constant), NIM, CAR, NPL, LDR
Sumber : Output SPSS, 2013
94
Universitas Sumatera Utara
Lampiran 13
Hasil Uji t
Coefficients
a
Unstandardized Coefficients
Model
1
B
Std. Error
(Constant)
a.
Standardized
Coefficients
Beta
.014
.005
NPL
-.028
.086
LDR
.000
CAR
NIM
t
Sig.
2.653
.010
-.034
-.328
.744
.001
-.084
-.800
.427
-.044
.023
-.200
-1.952
.056
.271
.043
.664
6.298
.000
Dependent Variable: ROA
Sumber : Output SPSS, 2013
Lampiran 14
Hasil Uji F
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
.003
4
.001
Residual
.004
55
.000
Total
.007
59
F
10.715
Sig.
.000
a
a. Predictors: (Constant), NIM, CAR, NPL, LDR
b. Dependent Variable: ROA
Sumber : Output SPSS, 2013
95
Universitas Sumatera Utara
96
Universitas Sumatera Utara