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