Wikipedia Bahasa Indonesia, Ensiklopedia Bebas Risiko Kredit. (23 Mei 2012).

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1 3) Situs WWW (World Wide Web) : Wikipedia Bahasa Indonesia, Ensiklopedia Bebas Risiko Kredit. (23 Mei 2012). Fernbach, Finance and Risk Software Risiko Kredit. Edratna, Mengapa Diperlukan Manajemen Risiko Kredit. (17 Maret 2008). Bank Indonesia, Direktorat Penelitian dan Pengaturan Perbankan Pedoman Standar Penerapan Manajemen Risiko Bagi Bank Umum. (23 Sep. 2003). Onad Apa itu Sub Prime Mortgage. ( ). 4) Pengunduhan Data Melalui Situs WEB :

2 LAMPIRAN Lampiran 1 Daftar Perusahaan Perbankan Yang Terdaftar di Bursa efek Indonesia Populasi No Kode Nama Perusahaan Kriteria Sampel AGRO Bank Agroniaga Tbk X - 2 ANKB Bank Arta Niaga Kencana Tbk X X - 3 INPC Bank Artha Graha Internasional Tbk Sampel 1 4 BBKP Bank Bukopin Tbk Sampel 2 5 BNBA Bank Bumi Arta Tbk Sampel 3 6 BABP Bank Bumiputera Indonesia Tbk Sampel 4 7 BACA Bank Capital Indonesia Tbk X - 8 BBCA Bank Central Asia Tbk Sampel 5 9 BCIC Bank Century Tbk X - 10 BNGA Bank CIMB Niaga Tbk Sampel 6 11 BDMN Bank Danamon Indonesia Tbk Sampel 7 12 BAEK Bank Ekonomi Raharja Tbk X - 13 BEKS Bank Eksekutif Internasional Tbk X - 14 SDRA Bank Himpunan Saudara 1906 Tbk Sampel 8

3 15 BNII Bank Internasional Indonesia Tbk Sampel 9 16 BKSW Bank Kesawan Tbk Sampel LPBN Lippo Bank Tbk X X - 18 BMRI Bank Mandiri (Persero) Tbk Sampel MAYA Bank Mayapada Internasional Tbk Sampel MEGA Bank Mega Tbk Sampel BBNI Bank Negara Indonesia Tbk Sampel NISP Bank OCBC NISP Tbk Sampel BBNP Bank Nusantara Parahyangan Tbk Sampel PNBN Bank Pan Indonesia Tbk Sampel BNLI Bank Permata Tbk Sampel18 26 BBRI Bank Rakyat Indonesia (persero) Tbk Sampel BSWD Bank Swadesi Tbk Sampel BBIA Bank UOB Buana Tbk X - 29 BTPN Bank Tabungan Pensiunan nasional Tbk X - 30 BVIC Bank Victoria InternationalTbk Sampel MCOR Bank Windu Kentjana Internasional Tbk X -

4 Sampel No Kode Nama Perusahaan Status 1 INPC Bank Artha Graha Internasional Tbk Bank Swasta 2 BBKP Bank Bukopin Tbk Bank Swasta 3 BNBA Bank Bumi Arta Tbk Bank Swasta 4 BABP Bank Bumiputera Indonesia Tbk Bank Swasta 5 BBCA Bank Central Asia Tbk Bank Swasta 6 BNGA Bank CIMB Niaga Tbk Bank Swasta 7 BDMN Bank Danamon Indonesia Tbk Bank Swasta 8 SDRA Bank Himpunan Saudara 1906 Tbk Bank Swasta 9 BNII Bank Internasional Indonesia Tbk Bank Swasta 10 BKSW Bank Kesawan Tbk Bank Swasta 11 BMRI Bank Mandiri (Persero) Tbk Bank Pemerintah 12 MAYA Bank Mayapada Internasional Tbk Bank Swasta 13 MEGA Bank Mega Tbk Bank Swasta 14 BBNI Bank Negara Indonesia Tbk Bank Pemerintah 15 NISP Bank OCBC NISP Tbk Bank Swasta 16 BBNP Bank Nusantara Parahyangan Tbk Bank Swasta 17 PNBN Bank Pan Indonesia Tbk Bank Swasta 18 BNLI Bank Permata Tbk Bank Swasta 19 BBRI Bank Rakyat Indonesia (persero) Tbk Bank Pemerintah

5 20 BSWD Bank Swadesi Tbk Bank Swasta 21 BVIC Bank Victoria InternationalTbk Bank Swasta Lampiran 2 Bank Pemerintah EAR Data Penelitian Bank Mandiri (Persero) Tbk Bank Negara Indonesia Tbk Bak Rakyat Indonesia (persero) Tbk LAR Bank Mandiri (Persero) Tbk Bank Negara Indonesia Tbk Bak Rakyat Indonesia (persero) Tbk LDR Bank Mandiri (Persero) Tbk Bank Negara Indonesia Tbk Bak Rakyat Indonesia (persero) Tbk

6 NPL Bank Mandiri (Persero) Tbk Bank Negara Indonesia Tbk Bak Rakyat Indonesia (persero) Tbk Bank Swasta EAR Bank Artha Graha Internasional Tbk Bank Bukopin Tbk Bank Bumi Arta Tbk Bank Bumiputera Indonesia Tbk Bank Central Asia Tbk Bank CIMB Niaga Tbk Bank Danamon Indonesia Tbk Bank Himpunan Saudara 1906 Tbk Bank Internasional Indonesia Tbk Bank Kesawan Tbk Bank Mayapada Internasional Tbk Bank Mega Tbk Bank OCBC NISP Tbk Bank Nusantara Parahyangan Tbk Bank Pan Indonesia Tbk Bank Permata Tbk Bank Swadesi Tbk Bank Victoria InternationalTbk LAR Bank Artha Graha Internasional Tbk Bank Bukopin Tbk Bank Bumi Arta Tbk Bank Bumiputera Indonesia Tbk

7 Bank Central Asia Tbk Bank CIMB Niaga Tbk Bank Danamon Indonesia Tbk Bank Himpunan Saudara 1906 Tbk Bank Internasional Indonesia Tbk Bank Kesawan Tbk Bank Mayapada Internasional Tbk Bank Mega Tbk Bank OCBC NISP Tbk Bank Nusantara Parahyangan Tbk Bank Pan Indonesia Tbk Bank Permata Tbk Bank Swadesi Tbk Bank Victoria InternationalTbk LDR Bank Artha Graha Internasional Tbk Bank Bukopin Tbk Bank Bumi Arta Tbk Bank Bumiputera Indonesia Tbk Bank Central Asia Tbk Bank CIMB Niaga Tbk Bank Danamon Indonesia Tbk Bank Himpunan Saudara 1906 Tbk Bank Internasional Indonesia Tbk Bank Kesawan Tbk Bank Mayapada Internasional Tbk Bank Mega Tbk Bank OCBC NISP Tbk Bank Nusantara Parahyangan Tbk Bank Pan Indonesia Tbk Bank Permata Tbk Bank Swadesi Tbk Bank Victoria InternationalTbk

8 NPL Bank Artha Graha Internasional Tbk Bank Bukopin Tbk Bank Bumi Arta Tbk Bank Bumiputera Indonesia Tbk Bank Central Asia Tbk Bank CIMB Niaga Tbk Bank Danamon Indonesia Tbk Bank Himpunan Saudara 1906 Tbk Bank Internasional Indonesia Tbk Bank Kesawan Tbk Bank Mayapada Internasional Tbk Bank Mega Tbk Bank OCBC NISP Tbk Bank Nusantara Parahyangan Tbk Bank Pan Indonesia Tbk Bank Permata Tbk Bank Swadesi Tbk Bank Victoria InternationalTbk Lampiran 3 Statistik Deskriptif Hasil Output SPSS Descriptive Statistics N Minimu m Maximu m Mean Std. Deviation EAR_Swasta 54,02,19,0917,02919 EAR_Pemerint 9,08,13,0911,01537 ah LAR_Swasta 54,31,94,6022,12222 LAR_Pemerint ah 9,42,62,5300,06500 LDR_Swasta 54 40,22 102,20 76, ,97149

9 LDR_Pemerint ah 9 59,20 80,88 69,6756 7,71306 NPL_Swasta 54,49 5,64 2,3387 1,34006 NPL_Pemerint 9,40 3,52 1,6444 1,12311 ah Valid N (listwise) 9 Uji Normalitas One-Sample Kolmogorov Smirnov One-Sample Kolmogorov-Smirnov Test EAR_S EAR_P LAR_S LAR_P N Normal Parameters a,b Mean,0917,0911,6022,5300 Std. Deviation,02919,01537,12222,06500 Most Extreme Absolute,184,418,145,167 Differences Positive,184,418,081,167 Negative -,120 -,235 -,145 -,113 Kolmogorov-Smirnov Z 1,352 1,253 1,068,500 Asymp. Sig. (2-tailed),052,086,204,964 a. Test distribution is Normal. b. Calculated from data. One-Sample Kolmogorov-Smirnov Test LDR_S LDR_P NPL_S NPL_P N Normal Parameters a,b Mean 76, ,6756 2,3387 1,6444 Std. Deviation 14, , , ,12311 Most Extreme Differences Absolute,104,140,107,242 Positive,095,140,107,242 Negative -,104 -,130 -,084 -,177 Kolmogorov-Smirnov Z,763,419,788,725 Asymp. Sig. (2-tailed),606,995,564,669 a. Test distribution is Normal. b. Calculated from data.

10 Uji Hipotesis Hasil Uji Hipotesis Independent Sample T-Test Levene's Test for Independent Samples Test Equality of Variances t-test for Equality of Means 95% Confidence Interval of Sig. (2- Mean Std. Error the Difference F Sig. t df tailed) Difference Difference Lower Upper EAR Equal variances assumed 3,389,070,056 61,956,00056, ,01944,02055 Equal variances not,086 19,452,933,00056, ,01299,01410 assumed LAR Equal variances assumed 2,532,117 1,724 61,090,07222, ,01153,15598 Equal variances not 2,644 19,200,016,07222,02731,01509,12935 assumed LDR Equal variances assumed 4,069,048 1,409 61,164 7, , , ,46485 Equal variances not 2,201 20,011,040 7, ,28040, ,06107 assumed NPL Equal variances assumed,132,717 1,047 61,299,50593, , ,47253 Equal variances not 1,209 12,364,249,50593, , ,41455 assumed

11 Lampiran 4 Tabel F Titik Persentase Distribusi F Untuk Probabilitas = 0.05 df untuk penyebu t (N2) df untuk pembilang (N1)

12

13 Sumber: Junaidi (

14 Lampiran 5 Tabel t Pr df

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16 Sumber: Junaidi (