Analisis Faktor-Faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bprs Di Sumatera Utara Dengan Pembiayaan Murabahah Sebagai Variabel Moderating
Lampiran 1 Data Keuangan
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
33
34
35
FDR
50
54.52
54.62
55.81
56.5
57.82
58.69
62.18
67.12
67.28
70.13
71.79
73.48
73.51
74.75
74.97
77.14
77.45
77.91
78.2
78.33
79.62
79.75
79.97
80.2
81.93
82.05
82.64
84
85.1
85.75
86
86.29
87.23
87.5
DPK
48174
446142
1018234
1386788
1992625
2358448
2354922
2514251
2863848
2992930
3573981
3746868
3776868
3796868
4265270
4721369
4882494
5169879
5304614
5305850
5321584
5374343
5473205
5550270
5727689
5756823
5898048
6030336
6019345
6140194
6268287
6898280
7034924
7355458
7405543
NPF
0
0
0
0
0
0
0
0.2
0.23
0.38
0.4
0.41
0.46
0.46
0.52
0.55
0.55
0.6
0.61
0.65
0.69
0.77
0.78
0.81
0.86
0.88
0.89
0.9
0.93
1.03
1.4
1.55
1.7
1.7
1.72
ROA
BOPO CAR Murabahah Mudharabah
-8.17
88.04 20.31
86.09
2.04
-6.32
76.7 11.06
23.7
76.08
5.16 1607.07 66.42
100
0
4.76
84.47 7.88
99.34
0.1
3.05
85.98 19.43
84.8
1.6
-0.37
74.5 10.31
22.95
76.18
0.03 323.25 55.08
99.6
0.4
0.1
76.41 9.69
99.03
0.25
0.16
86 20.09
84.35
1.53
0.2
77.83 9.25
25.08
74.19
0.26 207.64 39.27
100
0
0.27
77.08 7.74
99.13
0.28
0.36
73.76 19.84
84.63
1.76
0.48
79.89 8.86
24.78
74.53
0.49 205.73 31.95
97.71
2.29
0.67
77.59 9.07
98.78
0.42
0.7
79.18 19.98
85.56
1.52
0.79
70.42 9.27
28.4
70.57
0.85
83.6 27.18
97.24
2.76
0.93
78.96 9.84
98.62
0.5
0.98
87.25 19.47
89.03
1.14
1.06
66.78 10.31
30.81
68.21
1.22
78.93 25.39
95.06
4.94
1.25
77.48
9
98.48
0.58
1.3
85.28 18.04
84.81
1.09
1.37
71.09 10.24
39.44
59.64
1.58
76.88 23.94
96.43
3.57
1.6
79.66 7.76
98.73
0.44
1.7
75.23 18.82
85.29
0.87
1.73
91.42 8.86
40.87
58.01
1.73
78.35 23.6
97.01
2.99
1.73
77.3 9.56
99.24
0.06
1.77
86.13 18.89
85.61
0.9
1.81
82.41 11.12
41.99
56.97
1.81
88.27 22.93
94.45
3.31
36
88 7422416
1.74
37
90 7409443
1.86
38
90.25 7418124
2.06
39
90.78 7920619
2.46
40
90.87 8033694
2.84
41
92 8323823
3.67
42
92.63 8598686
5.87
43
92.66 8914276
6.02
44
93 9469365
6.12
45
93.34 9561394
6.26
46
94.03 9584119
6.36
47
95.71 9695550
6.88
48
96.91 18517273
7.24
49
96.92 19026289
7.28
50
105.99 19232510
7.31
51
107.76 19674958
7.6
52
107.92 19945634
7.75
53
109 20232510
8.14
54
109 20345634
8.41
55
113.59 22022421
8.6
56
113.88 22642119
8.62
57
115 23910909
8.79
58
115.31 24710909
8.87
59
116 25784697
9.02
60
122.29 26170335
10.76
61
157.36 27302092
10.79
62
165 29196085
11.92
63
175.34 32127695
16.37
64
226.05 52219641
0.81
Sumber : Website Bank Indonesia
1.86
1.92
1.99
2.01
2.01
2.13
2.15
2.17
2.24
2.34
2.42
2.59
2.69
3
3.23
3.94
3.94
4.18
4.38
5.2
5.37
5.5
5.86
6.4
7.25
7.93
8.08
8.14
8.59
82.15
85.21
76.25
109.49
80.05
98.88
87.28
102.87
81.55
144.2
84.85
97.83
78.52
116.03
81.21
86.03
81.89
97.88
81.94
72.42
83.28
124.67
81.56
75.41
85.81
97.58
80.52
73.14
79.96
10.51
17.84
12.15
22.81
9.83
18.06
12.43
31.16
7.92
12.97
11.53
27.89
9.41
13.31
13.38
26.28
8.71
13.22
11.38
26.24
8.95
11.81
11.73
25.08
8.89
13.67
11.53
24.24
8.41
98.74
76.62
44.17
94.12
98.59
77.14
45.44
92.59
98.17
73.26
46.18
93.77
99.18
78.44
47.97
91.46
99.11
77.13
55.42
92.08
98.51
71.76
64.38
93.44
96.47
79.76
71.23
95.12
97.5
0.19
1.48
54.86
3.37
0.18
1.69
53.61
4.54
0.12
2.62
52.38
3.8
0.12
1.76
50.52
6.63
0
1.57
43.31
6.36
0
2.29
34.83
6.22
0
2.46
28.07
4.51
2.29
Lampiran 2 Factor Analysis
KMO and Bartlett's Test
Bartlett's Test of Sphericity
Kaiser-Meyer-Olkin Measure
of Sampling Adequacy.
Approx. Chi-Square
.710
308.353
df
15
Sig.
.000
Anti-image Matrices
FDR
Anti-image Covariance
NPF
ROA
BOPO
CAR
FDR
.089
-.070
.035
-.040
.044
-.015
DPK
-.070
.078
-.065
-.016
-.018
.019
NPF
.035
-.065
.382
-.100
.082
-.050
ROA
-.040
-.016
-.100
.280
-.134
.036
.044
-.018
.082
-.134
.451
-.318
CAR
-.015
.019
-.050
.036
-.318
.522
FDR
.706
a
-.840
.187
-.252
.221
-.068
DPK
-.840
a
-.376
-.106
-.093
.093
-.376
a
-.306
.197
-.113
a
BOPO
Anti-image Correlation
DPK
NPF
.711
.187
ROA
BOPO
CAR
.829
-.252
-.106
-.306
.844
.221
-.093
.197
-.376
.449
-.376
.094
a
-.655
-.068
.093
-.113
.094
-.655
.542
a. Measures of Sampling Adequacy(MSA)
Total Variance Explained
Compo
nent
Initial Eigenvalues
Total
% of Variance
Extraction Sums of Squared Loadings
Cumulative %
1
2
3
3.394
1.665
.383
56.564
27.745
6.387
56.564
84.309
90.696
4
.323
5.380
96.076
5
.191
3.181
99.257
6
.045
.743
100.000
Extraction Method: Principal Component Analysis.
Total
3.394
1.665
% of Variance
56.564
27.745
Cumulative %
56.564
84.309
a
Component Matrix
a
Component
1
FDR
DPK
NPF
ROA
BOPO
CAR
2
.945
.961
.849
.863
-.211
-.261
.025
.058
.089
.304
.898
.868
Extraction Method: Principal
Component Analysis.
a. 2 components extracted.
Lampiran 3 Regression
Descriptive Statistics
N
FDR
DPK
NPF
ROA
CAR
PembiayaanMurabahah
PembiayaanMudHarabah
Valid N (listwise)
Minimum
64
64
64
64
64
64
64
64
Maximum
50.00
48174.00
.00
-8.17
7.74
22.95
.00
Mean
226.05
52219641.00
16.37
8.59
66.42
100.00
76.18
Std. Deviation
91.2003
1.0628E7
3.4852
2.2898
17.0592
79.1373
15.9297
29.59921
9.79266E6
3.90710
2.82228
10.82184
24.47081
25.69064
Descriptive Statistics
N
LNFDR
LNDPK
LNNPF
LNROA
LNCAR
LNPembiayaanMurabahah
LNPembiayaanMudHarabah
Valid N (listwise)
Minimum
64
64
64
64
64
64
64
64
Maximum
1.03
10.07
.07
.01
.47
3.13
.09
5.11
17.91
2.97
2.30
4.44
4.61
4.33
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
LNCAR, LNNPF,
LNDPK, LNROA,
a
LNFDR
. Enter
a. All requested variables entered.
b
Model Summary
Model
1
R
.807
R Square
a
.652
Adjusted R
Square
Std. Error of the
Estimate
.622
.82901
a. Predictors: (Constant), LNCAR, LNNPF, LNDPK, LNROA, LNFDR
b. Dependent Variable: LNPembiayaanMudHarabah
b
Model Summary
Model
Change Statistics
Mean
3.3620
14.5288
1.3605
1.1080
2.2763
4.2997
1.9728
Std. Deviation
1.37209
2.34997
.89227
.63127
.95563
.42526
1.34808
R Square
Change
1
F Change
.652
df1
21.718
df2
5
Sig. F Change
58
Durbin-Watson
.000
2.086
b. Dependent Variable: LNPembiayaanMudHarabah
b
ANOVA
Model
1
Sum of Squares
Df
Mean Square
Regression
74.630
5
14.926
Residual
39.861
58
.687
114.490
63
Total
F
Sig.
21.718
.000
a
a. Predictors: (Constant), LNCAR, LNNPF, LNDPK, LNROA, LNFDR
b. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Standardized
Coefficients
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-2.332
.713
LNFDR
.232
.111
LNDPK
.147
.064
LNNPF
.350
LNROA
LNCAR
t
Sig.
-3.270
.002
.236
2.089
.041
.256
2.286
.026
.164
.232
2.137
.037
.215
.233
.101
.925
.359
.296
.131
.210
2.262
.027
a. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
95.0% Confidence Interval for B
Model
1
Lower Bound
(Constant)
Upper Bound
Zero-order
Partial
Part
-3.760
-.905
LNFDR
.010
.455
.682
.264
.162
LNDPK
.018
.276
.680
.288
.177
LNNPF
.022
.678
.613
.270
.166
LNROA
-.250
.681
.571
.121
.072
LNCAR
.034
.558
.557
.285
.175
a. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Collinearity Statistics
Model
1
Correlations
Tolerance
VIF
LNFDR
.469
2.133
LNDPK
.478
2.093
LNNPF
.510
1.961
LNROA
.506
1.978
LNCAR
.698
1.432
a. Dependent Variable: LNPembiayaanMudHarabah
Charts
Lampiran 4 Uji Moderating
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
ModeratingPemb
iayaanMurabaha
h, LNFDR,
LNCAR, LNROA,
a
LNDPK, LNNPF
. Enter
a. All requested variables entered.
b
Model Summary
Model
R
1
.810
Adjusted R
Square
R Square
a
.656
Std. Error of the
Estimate
.620
.83068
a. Predictors: (Constant), ModeratingPembiayaanMurabahah, LNFDR,
LNCAR, LNROA, LNDPK, LNNPF
b. Dependent Variable: LNPembiayaanMudHarabah
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
75.158
6
12.526
Residual
39.332
57
.690
114.490
63
Total
F
Sig.
18.153
.000
a
a. Predictors: (Constant), ModeratingPembiayaanMurabahah, LNFDR, LNCAR, LNROA, LNDPK,
LNNPF
b. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
-2.715
.837
LNFDR
.234
.111
LNDPK
.157
LNNPF
Standardized
Coefficients
Beta
t
Sig.
-3.241
.002
.238
2.101
.040
.065
.274
2.402
.020
.455
.203
.301
2.239
.029
LNROA
.283
.246
.132
1.151
.254
LNCAR
.373
.158
.264
2.361
.022
ModeratingPembiayaanMura
bahah
.000
.000
-.152
-.875
.385
a. Dependent Variable: LNPembiayaanMudHarabah
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
33
34
35
FDR
50
54.52
54.62
55.81
56.5
57.82
58.69
62.18
67.12
67.28
70.13
71.79
73.48
73.51
74.75
74.97
77.14
77.45
77.91
78.2
78.33
79.62
79.75
79.97
80.2
81.93
82.05
82.64
84
85.1
85.75
86
86.29
87.23
87.5
DPK
48174
446142
1018234
1386788
1992625
2358448
2354922
2514251
2863848
2992930
3573981
3746868
3776868
3796868
4265270
4721369
4882494
5169879
5304614
5305850
5321584
5374343
5473205
5550270
5727689
5756823
5898048
6030336
6019345
6140194
6268287
6898280
7034924
7355458
7405543
NPF
0
0
0
0
0
0
0
0.2
0.23
0.38
0.4
0.41
0.46
0.46
0.52
0.55
0.55
0.6
0.61
0.65
0.69
0.77
0.78
0.81
0.86
0.88
0.89
0.9
0.93
1.03
1.4
1.55
1.7
1.7
1.72
ROA
BOPO CAR Murabahah Mudharabah
-8.17
88.04 20.31
86.09
2.04
-6.32
76.7 11.06
23.7
76.08
5.16 1607.07 66.42
100
0
4.76
84.47 7.88
99.34
0.1
3.05
85.98 19.43
84.8
1.6
-0.37
74.5 10.31
22.95
76.18
0.03 323.25 55.08
99.6
0.4
0.1
76.41 9.69
99.03
0.25
0.16
86 20.09
84.35
1.53
0.2
77.83 9.25
25.08
74.19
0.26 207.64 39.27
100
0
0.27
77.08 7.74
99.13
0.28
0.36
73.76 19.84
84.63
1.76
0.48
79.89 8.86
24.78
74.53
0.49 205.73 31.95
97.71
2.29
0.67
77.59 9.07
98.78
0.42
0.7
79.18 19.98
85.56
1.52
0.79
70.42 9.27
28.4
70.57
0.85
83.6 27.18
97.24
2.76
0.93
78.96 9.84
98.62
0.5
0.98
87.25 19.47
89.03
1.14
1.06
66.78 10.31
30.81
68.21
1.22
78.93 25.39
95.06
4.94
1.25
77.48
9
98.48
0.58
1.3
85.28 18.04
84.81
1.09
1.37
71.09 10.24
39.44
59.64
1.58
76.88 23.94
96.43
3.57
1.6
79.66 7.76
98.73
0.44
1.7
75.23 18.82
85.29
0.87
1.73
91.42 8.86
40.87
58.01
1.73
78.35 23.6
97.01
2.99
1.73
77.3 9.56
99.24
0.06
1.77
86.13 18.89
85.61
0.9
1.81
82.41 11.12
41.99
56.97
1.81
88.27 22.93
94.45
3.31
36
88 7422416
1.74
37
90 7409443
1.86
38
90.25 7418124
2.06
39
90.78 7920619
2.46
40
90.87 8033694
2.84
41
92 8323823
3.67
42
92.63 8598686
5.87
43
92.66 8914276
6.02
44
93 9469365
6.12
45
93.34 9561394
6.26
46
94.03 9584119
6.36
47
95.71 9695550
6.88
48
96.91 18517273
7.24
49
96.92 19026289
7.28
50
105.99 19232510
7.31
51
107.76 19674958
7.6
52
107.92 19945634
7.75
53
109 20232510
8.14
54
109 20345634
8.41
55
113.59 22022421
8.6
56
113.88 22642119
8.62
57
115 23910909
8.79
58
115.31 24710909
8.87
59
116 25784697
9.02
60
122.29 26170335
10.76
61
157.36 27302092
10.79
62
165 29196085
11.92
63
175.34 32127695
16.37
64
226.05 52219641
0.81
Sumber : Website Bank Indonesia
1.86
1.92
1.99
2.01
2.01
2.13
2.15
2.17
2.24
2.34
2.42
2.59
2.69
3
3.23
3.94
3.94
4.18
4.38
5.2
5.37
5.5
5.86
6.4
7.25
7.93
8.08
8.14
8.59
82.15
85.21
76.25
109.49
80.05
98.88
87.28
102.87
81.55
144.2
84.85
97.83
78.52
116.03
81.21
86.03
81.89
97.88
81.94
72.42
83.28
124.67
81.56
75.41
85.81
97.58
80.52
73.14
79.96
10.51
17.84
12.15
22.81
9.83
18.06
12.43
31.16
7.92
12.97
11.53
27.89
9.41
13.31
13.38
26.28
8.71
13.22
11.38
26.24
8.95
11.81
11.73
25.08
8.89
13.67
11.53
24.24
8.41
98.74
76.62
44.17
94.12
98.59
77.14
45.44
92.59
98.17
73.26
46.18
93.77
99.18
78.44
47.97
91.46
99.11
77.13
55.42
92.08
98.51
71.76
64.38
93.44
96.47
79.76
71.23
95.12
97.5
0.19
1.48
54.86
3.37
0.18
1.69
53.61
4.54
0.12
2.62
52.38
3.8
0.12
1.76
50.52
6.63
0
1.57
43.31
6.36
0
2.29
34.83
6.22
0
2.46
28.07
4.51
2.29
Lampiran 2 Factor Analysis
KMO and Bartlett's Test
Bartlett's Test of Sphericity
Kaiser-Meyer-Olkin Measure
of Sampling Adequacy.
Approx. Chi-Square
.710
308.353
df
15
Sig.
.000
Anti-image Matrices
FDR
Anti-image Covariance
NPF
ROA
BOPO
CAR
FDR
.089
-.070
.035
-.040
.044
-.015
DPK
-.070
.078
-.065
-.016
-.018
.019
NPF
.035
-.065
.382
-.100
.082
-.050
ROA
-.040
-.016
-.100
.280
-.134
.036
.044
-.018
.082
-.134
.451
-.318
CAR
-.015
.019
-.050
.036
-.318
.522
FDR
.706
a
-.840
.187
-.252
.221
-.068
DPK
-.840
a
-.376
-.106
-.093
.093
-.376
a
-.306
.197
-.113
a
BOPO
Anti-image Correlation
DPK
NPF
.711
.187
ROA
BOPO
CAR
.829
-.252
-.106
-.306
.844
.221
-.093
.197
-.376
.449
-.376
.094
a
-.655
-.068
.093
-.113
.094
-.655
.542
a. Measures of Sampling Adequacy(MSA)
Total Variance Explained
Compo
nent
Initial Eigenvalues
Total
% of Variance
Extraction Sums of Squared Loadings
Cumulative %
1
2
3
3.394
1.665
.383
56.564
27.745
6.387
56.564
84.309
90.696
4
.323
5.380
96.076
5
.191
3.181
99.257
6
.045
.743
100.000
Extraction Method: Principal Component Analysis.
Total
3.394
1.665
% of Variance
56.564
27.745
Cumulative %
56.564
84.309
a
Component Matrix
a
Component
1
FDR
DPK
NPF
ROA
BOPO
CAR
2
.945
.961
.849
.863
-.211
-.261
.025
.058
.089
.304
.898
.868
Extraction Method: Principal
Component Analysis.
a. 2 components extracted.
Lampiran 3 Regression
Descriptive Statistics
N
FDR
DPK
NPF
ROA
CAR
PembiayaanMurabahah
PembiayaanMudHarabah
Valid N (listwise)
Minimum
64
64
64
64
64
64
64
64
Maximum
50.00
48174.00
.00
-8.17
7.74
22.95
.00
Mean
226.05
52219641.00
16.37
8.59
66.42
100.00
76.18
Std. Deviation
91.2003
1.0628E7
3.4852
2.2898
17.0592
79.1373
15.9297
29.59921
9.79266E6
3.90710
2.82228
10.82184
24.47081
25.69064
Descriptive Statistics
N
LNFDR
LNDPK
LNNPF
LNROA
LNCAR
LNPembiayaanMurabahah
LNPembiayaanMudHarabah
Valid N (listwise)
Minimum
64
64
64
64
64
64
64
64
Maximum
1.03
10.07
.07
.01
.47
3.13
.09
5.11
17.91
2.97
2.30
4.44
4.61
4.33
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
LNCAR, LNNPF,
LNDPK, LNROA,
a
LNFDR
. Enter
a. All requested variables entered.
b
Model Summary
Model
1
R
.807
R Square
a
.652
Adjusted R
Square
Std. Error of the
Estimate
.622
.82901
a. Predictors: (Constant), LNCAR, LNNPF, LNDPK, LNROA, LNFDR
b. Dependent Variable: LNPembiayaanMudHarabah
b
Model Summary
Model
Change Statistics
Mean
3.3620
14.5288
1.3605
1.1080
2.2763
4.2997
1.9728
Std. Deviation
1.37209
2.34997
.89227
.63127
.95563
.42526
1.34808
R Square
Change
1
F Change
.652
df1
21.718
df2
5
Sig. F Change
58
Durbin-Watson
.000
2.086
b. Dependent Variable: LNPembiayaanMudHarabah
b
ANOVA
Model
1
Sum of Squares
Df
Mean Square
Regression
74.630
5
14.926
Residual
39.861
58
.687
114.490
63
Total
F
Sig.
21.718
.000
a
a. Predictors: (Constant), LNCAR, LNNPF, LNDPK, LNROA, LNFDR
b. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Standardized
Coefficients
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
Beta
-2.332
.713
LNFDR
.232
.111
LNDPK
.147
.064
LNNPF
.350
LNROA
LNCAR
t
Sig.
-3.270
.002
.236
2.089
.041
.256
2.286
.026
.164
.232
2.137
.037
.215
.233
.101
.925
.359
.296
.131
.210
2.262
.027
a. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
95.0% Confidence Interval for B
Model
1
Lower Bound
(Constant)
Upper Bound
Zero-order
Partial
Part
-3.760
-.905
LNFDR
.010
.455
.682
.264
.162
LNDPK
.018
.276
.680
.288
.177
LNNPF
.022
.678
.613
.270
.166
LNROA
-.250
.681
.571
.121
.072
LNCAR
.034
.558
.557
.285
.175
a. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Collinearity Statistics
Model
1
Correlations
Tolerance
VIF
LNFDR
.469
2.133
LNDPK
.478
2.093
LNNPF
.510
1.961
LNROA
.506
1.978
LNCAR
.698
1.432
a. Dependent Variable: LNPembiayaanMudHarabah
Charts
Lampiran 4 Uji Moderating
Variables Entered/Removed
Model
1
Variables
Entered
Variables
Removed
Method
ModeratingPemb
iayaanMurabaha
h, LNFDR,
LNCAR, LNROA,
a
LNDPK, LNNPF
. Enter
a. All requested variables entered.
b
Model Summary
Model
R
1
.810
Adjusted R
Square
R Square
a
.656
Std. Error of the
Estimate
.620
.83068
a. Predictors: (Constant), ModeratingPembiayaanMurabahah, LNFDR,
LNCAR, LNROA, LNDPK, LNNPF
b. Dependent Variable: LNPembiayaanMudHarabah
b
ANOVA
Model
1
Sum of Squares
df
Mean Square
Regression
75.158
6
12.526
Residual
39.332
57
.690
114.490
63
Total
F
Sig.
18.153
.000
a
a. Predictors: (Constant), ModeratingPembiayaanMurabahah, LNFDR, LNCAR, LNROA, LNDPK,
LNNPF
b. Dependent Variable: LNPembiayaanMudHarabah
Coefficients
a
Unstandardized Coefficients
Model
1
B
(Constant)
Std. Error
-2.715
.837
LNFDR
.234
.111
LNDPK
.157
LNNPF
Standardized
Coefficients
Beta
t
Sig.
-3.241
.002
.238
2.101
.040
.065
.274
2.402
.020
.455
.203
.301
2.239
.029
LNROA
.283
.246
.132
1.151
.254
LNCAR
.373
.158
.264
2.361
.022
ModeratingPembiayaanMura
bahah
.000
.000
-.152
-.875
.385
a. Dependent Variable: LNPembiayaanMudHarabah