Rencana Waktu Penelitian

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1 Lampiran 1 : Rencana Waktu Penelitian Rencana Waktu Penelitian No. Uraian Kegiatan 1 Penyusunan Proposal 2 Kolokium 3 Pengumpulan Data 4 Pengolahan Data 5 Penyusunan Laporan Penelitian 6 Seminar Hasil 7 Perbaikan Seminar Hasil 8 Ujian Akhir Februari 2013 Maret 2013 April 2013 Mei 2013 Juni 2013 Juli

2 90 Lampiran 2 : Daftar Bank Pembangunan Daerah di Indonesia Daftar Bank Pembangunan Daerah di Indonesia No Nama Lengkap Nama Panggilan 1 PT Bank Aceh Bank Aceh 2 PT Bank Pembangunan Daerah Sumatera Utara Bank Sumut 3 PT Bank Pembangunan Daerah Sumatera Barat Bank Nagari 4 PT Bank Pembangunan Daerah Riau Kepri Bank Riau Kepri 5 PT Bank Pembangunan Daerah Jambi Bank Jambi 6 PT Bank Pembangunan Daerah Bengkulu Bank Bengkulu 7 PT Bank Pembangunan Daerah Sumatera Selatan Bank Sumsel Babel dan Bangka Belitung 8 Bank Pembangunan Daerah Lampung Bank Lampung 9 PT Bank DKI Bank DKI 10 PT Bank Pembangunan Daerah Jawa Barat dan Bank BJB Banten Tbk 11 PT Bank Pembangunan Daerah Jawa Tengah Bank Jateng 12 PT Bank Pembangunan Daerah Daerah Istimewa Bank BPD DIY Yogyakarta 13 PT Bank Pembangunan Daerah Jawa Timur Tbk. Bank Jatim 14 PT Bank Pembangunan Daerah Kalimantan Barat Bank Kalbar 15 PT Bank Pembangunan Kalteng Bank Kalteng 16 Bank Pembangunan Daerah Kalimantan Timur Bank BPD Kaltim 17 PT Bank Pembangunan Daerah Kalimantan Bank Kalsel Selatan 18 PT Bank Sulut Bank Sulut 19 Bank Pembangunan Daerah Sulawesi Tengah Bank Sulteng 20 PT Bank Pembangunan Daerah Sulawesi Selatan Bank Sulselbar & Sulawesi Barat 21 Bank Pembangunan Daerah Sulawesi Tenggara Bank BPD Sultra 22 PT Bank Pembangunan Daerah Bali Bank BPD Bali 23 PT Bank NTB Bank NTB 24 PT Bank Pembangunan Daerah Nusa Tenggara Bank NTT Timur 25 PT Bank Pembangunan Daerah Maluku Bank Maluku 26 PT Bank Pembangunan Daerah Papua Bank Papua

3 91 Lampiran 3 : Daftar Sampel Terpilih Daftar Sampel Terpilih No Bank Memenuhi Kriteria Sampel 1 2 Terpilih 1 Bank Aceh S1 2 Bank Sumut S2 3 Bank Nagari S3 4 Bank Riau Kepri S4 5 Bank Jambi S5 6 Bank Bengkulu S6 7 Bank Sumsel Babel S7 8 Bank Lampung S8 9 Bank DKI S9 10 Bank BJB S10 11 Bank Jateng S11 12 Bank BPD DIY S12 13 Bank Jatim S13 14 Bank Kalbar S14 15 Bank Kalteng S15 16 Bank BPD Kaltim S16 17 Bank Kalsel S17 18 Bank Sulut S18 19 Bank Sulteng S19 20 Bank Sulselbar S20 21 Bank BPD Sultra S21 22 Bank BPD Bali S22 23 Bank NTB S23 24 Bank NTT S24 25 Bank Maluku S25 26 Bank Papua S26

4 92 Lampiran 4 : Daftar Alamat Website Bank Pembangunan Daerah No Bank Alamat Website 1 Bank Aceh 2 Bank Sumut 3 Bank Nagari 4 Bank Riau Kepri 5 Bank Jambi 6 Bank Bengkulu 7 Bank Sumsel Babel 8 Bank Lampung 9 Bank DKI 10 Bank BJB 11 Bank Jateng 12 Bank BPD DIY 13 Bank Jatim 14 Bank Kalbar 15 Bank Kalteng 16 Bank BPD Kaltim 17 Bank Kalsel 18 Bank Sulut 19 Bank Sulteng 20 Bank Sulselbar 21 Bank BPD Sultra 22 Bank BPD Bali 23 Bank NTB 24 Bank NTT 25 Bank Maluku 26 Bank Papua

5 93 Lampiran 5 : Data Penelitian Untuk Variabel ROA Rasio ROA Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh 3,06% 1,80% 2,91% 3,66% 2 Bank Sumut 4,42% 4,55% 3,26% 2,99% 3 Bank Nagari 2,71% 3,51% 2,68% 2,65% 4 Bank Riau Kepri 2,68% 3,83% 2,62% 2,95% 5 Bank Jambi 5,16% 5,21% 3,28% 3,58% 6 Bank Bengkulu 3,14% 4,60% 3,17% 3,41% 7 Bank Sumsel Babel 2,51% 2,71% 2,56% 1,90% 8 Bank Lampung 2,97% 4,79% 3,13% 2,80% 9 Bank DKI 1,41% 2,14% 2,32% 1,87% 10 Bank BJB 3,24% 3,15% 2,65% 2,46% 11 Bank Jateng 4,04% 2,83% 2,67% 2,73% 12 Bank BPD DIY 3,24% 2,79% 2,55% 2,56% 13 Bank Jatim 3,75% 5,57% 4,97% 3,34% 14 Bank Kalbar 3,80% 4,17% 3,45% 3,33% 15 Bank Kalteng 2,34% 3,89% 3,88% 3,41% 16 Bank BPD Kaltim 3,81% 5,23% 3,68% 2,50% 17 Bank Kalsel 3,77% 3,39% 2,81% 1,27% 18 Bank Sulut 1,89% 3,04% 2,01% 3,00% 19 Bank Sulteng 4,34% 5,76% 3,04% 1,59% 20 Bank Sulselbar 5,56% 5,58% 3,34% 3,99% 21 Bank BPD Sultra 5,30% 6,62% 7,44% 5,15% 22 Bank BPD Bali 4,24% 3,98% 3,54% 4,28% 23 Bank NTB 4,39% 6,27% 5,71% 5,62% 24 Bank NTT 4,05% 4,30% 4,19% 3,65% 25 Bank Maluku 3,55% 3,49% 4,52% 3,86% 26 Bank Papua 3,26% 2,86% 2,86% 2,81%

6 94 Lampiran 6 : Data Penelitian Untuk Variabel NIM Rasio NIM Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh 6,95% 8,26% 7,24% 7,87% 2 Bank Sumut 11,24% 11,47% 9,15% 8,49% 3 Bank Nagari 8,46% 10,43% 7,57% 7,26% 4 Bank Riau Kepri 6,09% 9,43% 7,23% 6,72% 5 Bank Jambi 12,29% 17,34% 11,71% 8,21% 6 Bank Bengkulu 11,97% 18,04% 10,82% 7,70% 7 Bank Sumsel Babel 8,47% 7,22% 6,67% 6,50% 8 Bank Lampung 6,70% 9,59% 5,66% 6,51% 9 Bank DKI 6,14% 5,61% 5,56% 5,26% 10 Bank BJB 7,63% 7,32% 6,89% 6,76% 11 Bank Jateng 9,33% 9,24% 8,43% 8,22% 12 Bank BPD DIY 9,61% 10,27% 9,30% 8,68% 13 Bank Jatim 7,66% 9,20% 7,95% 6,48% 14 Bank Kalbar 9,17% 10,06% 9,95% 9,01% 15 Bank Kalteng 9,98% 11,65% 8,79% 7,67% 16 Bank BPD Kaltim 6,37% 8,76% 7,93% 6,65% 17 Bank Kalsel 7,60% 8,04% 6,67% 5,15% 18 Bank Sulut 8,40% 11,64% 8,46% 8,66% 19 Bank Sulteng 10,60% 12,07% 7,72% 6,15% 20 Bank Sulselbar 10,73% 10,31% 10,18% 9,53% 21 Bank BPD Sultra 12,96% 12,55% 15,10% 8,89% 22 Bank BPD Bali 9,19% 8,73% 7,79% 7,50% 23 Bank NTB 10,69% 12,95% 12,85% 11,99% 24 Bank NTT 10,99% 11,68% 9,85% 8,67% 25 Bank Maluku 11,56% 12,49% 13,02% 8,80% 26 Bank Papua 8,39% 7,24% 7,32% 5,71%

7 95 Lampiran 7 : Data Penelitian Untuk Variabel BOPO Rasio BOPO Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh 71,39% 92,99% 77,36% 71,51% 2 Bank Sumut 69,86% 68,65% 75,99% 77,76% 3 Bank Nagari 79,85% 76,34% 78,82% 77,62% 4 Bank Riau Kepri 73,83% 70,09% 75,15% 75,07% 5 Bank Jambi 62,94% 57,55% 61,16% 63,32% 6 Bank Bengkulu 75,16% 70,24% 78,12% 73,27% 7 Bank Sumsel Babel 78,09% 80,81% 80,64% 82,28% 8 Bank Lampung 78,34% 68,57% 73,69% 75,05% 9 Bank DKI 88,46% 87,96% 79,74% 81,43% 10 Bank BJB 77,30% 76,60% 80,02% 80,02% 11 Bank Jateng 71,36% 79,61% 79,11% 76,35% 12 Bank BPD DIY 73,95% 76,79% 76,09% 75,52% 13 Bank Jatim 66,04% 59,38% 60,02% 68,89% 14 Bank Kalbar 81,35% 70,23% 76,97% 71,33% 15 Bank Kalteng 68,47% 64,24% 63,31% 69,83% 16 Bank BPD Kaltim 63,69% 55,29% 64,15% 68,19% 17 Bank Kalsel 65,75% 72,16% 74,68% 79,40% 18 Bank Sulut 89,84% 85,09% 84,96% 77,66% 19 Bank Sulteng 65,13% 59,43% 71,41% 80,60% 20 Bank Sulselbar 57,09% 65,81% 72,13% 71,66% 21 Bank BPD Sultra 55,42% 64,75% 54,45% 69,66% 22 Bank BPD Bali 66,80% 68,96% 69,74% 62,82% 23 Bank NTB 75,02% 72,43% 68,81% 64,32% 24 Bank NTT 70,68% 72,10% 71,04% 71,57% 25 Bank Maluku 77,72% 77,91% 70,14% 73,90% 26 Bank Papua 69,72% 70,67% 73,44% 74,15%

8 96 Lampiran 8 : Data Penelitian Untuk Variabel NPL Rasio NPL Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh 1,69% 7,02% 3,69% 3,30% 2 Bank Sumut 2,47% 3,02% 2,56% 2,81% 3 Bank Nagari 3,30% 3,31% 2,76% 2,69% 4 Bank Riau Kepri 1,38% 2,45% 2,57% 2,95% 5 Bank Jambi 0,56% 0,40% 0,36% 0,33% 6 Bank Bengkulu 1,52% 1,66% 0,67% 0,22% 7 Bank Sumsel Babel 2,42% 1,33% 1,46% 6,82% 8 Bank Lampung 1,47% 1,20% 0,87% 0,74% 9 Bank DKI 5,76% 4,10% 3,12% 3,20% 10 Bank BJB 1,97% 1,86% 1,21% 2,07% 11 Bank Jateng 0,26% 0,53% 1,04% 0,80% 12 Bank BPD DIY 1,36% 1,39% 1,19% 0,83% 13 Bank Jatim 1,05% 0,65% 0,97% 2,95% 14 Bank Kalbar 0,09% 0,13% 0,15% 0,17% 15 Bank Kalteng 1,82% 1,18% 0,81% 0,84% 16 Bank BPD Kaltim 1,37% 3,30% 2,90% 7,45% 17 Bank Kalsel 1,17% 1,17% 0,96% 1,83% 18 Bank Sulut 0,51% 0,98% 1,26% 0,81% 19 Bank Sulteng 8,81% 8,88% 7,44% 4,49% 20 Bank Sulselbar 2,40% 2,06% 2,02% 1,39% 21 Bank BPD Sultra 5,86% 5,75% 2,24% 1,33% 22 Bank BPD Bali 0,68% 0,57% 0,57% 0,45% 23 Bank NTB 4,07% 2,92% 2,17% 1,98% 24 Bank NTT 1,50% 2,49% 1,20% 1,20% 25 Bank Maluku 3,00% 3,63% 2,46% 2,81% 26 Bank Papua 1,80% 0,95% 1,09% 0,84%

9 97 Lampiran 9 : Data Penelitian Untuk Variabel LDR Rasio LDR Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh 61,79% 82,46% 91,42% 89,89% 2 Bank Sumut 97,87% 91,04% 78,56% 101,90% 3 Bank Nagari 87,72% 84,41% 91,69% 100,35% 4 Bank Riau Kepri 88,24% 75,42% 65,74% 66,49% 5 Bank Jambi 97,64% 84,09% 66,55% 82,29% 6 Bank Bengkulu 129,59% 89,20% 75,14% 93,27% 7 Bank Sumsel Babel 79,03% 71,17% 75,19% 75,98% 8 Bank Lampung 99,36% 89,46% 80,23% 91,73% 9 Bank DKI 57,25% 70,09% 73,03% 73,50% 10 Bank BJB 82,47% 71,54% 72,95% 74,09% 11 Bank Jateng 89,18% 74,13% 70,17% 82,62% 12 Bank BPD DIY 79,33% 70,24% 78,71% 71,89% 13 Bank Jatim 69,67% 80,70% 80,11% 83,55% 14 Bank Kalbar 87,76% 84,34% 77,51% 86,80% 15 Bank Kalteng 85,13% 88,72% 68,74% 71,88% 16 Bank BPD Kaltim 69,11% 81,69% 59,95% 56,78% 17 Bank Kalsel 67,93% 76,14% 63,30% 55,77% 18 Bank Sulut 100,25% 104,98% 99,78% 108,88% 19 Bank Sulteng 100,44% 85,44% 77,27% 107,27% 20 Bank Sulselbar 114,79% 109,98% 101,93% 113,21% 21 Bank BPD Sultra 102,21% 97,52% 83,68% 92,02% 22 Bank BPD Bali 104,41% 93,31% 82,73% 80,60% 23 Bank NTB 115,50% 102,23% 101,45% 108,41% 24 Bank NTT 122,79% 91,77% 92,95% 93,45% 25 Bank Maluku 87,71% 85,44% 82,44% 78,61% 26 Bank Papua 36,28% 43,83% 47,91% 71,65%

10 98 Lampiran 10 : Data Penelitian Untuk Variabel DPK DPK Bank Pembangunan Daerah (Periode ) No. Bank Bank Aceh Bank Sumut Bank Nagari Bank Riau Kepri Bank Jambi Bank Bengkulu Bank Sumsel Babel Bank Lampung Bank DKI Bank BJB Bank Jateng Bank BPD DIY Bank Jatim Bank Kalbar Bank Kalteng Bank BPD Kaltim Bank Kalsel Bank Sulut Bank Sulteng Bank Sulselbar Bank BPD Sultra Bank BPD Bali Bank NTB Bank NTT Bank Maluku Bank Papua

11 99 Lampiran 11 : Output SPSS Statistik Deskriptif Output SPSS untuk Uji Statistik Deskriptif (Data Asli) Descriptive Statistics N Range Minimum Maximum Mean Std. Deviation ROA 104,0617,0127,0744,035509, NIM 104,1289,0515,1804,090347, BOPO 104,3854,5445,9299,725213, NPL 104,0879,0009,0888,021563, LDR 104,9331,3628 1,2959,840846, DPK , ,090 Valid N (listwise) 104 Output SPSS untuk Uji Statistik Deskriptif (Data Hasil Transformasi) Descriptive Statistics N Range Minimum Maximum Mean Std. Deviation lnroa 104 1,77-4,37-2,60-3,3944,32807 lnnim 104 1,25-2,97-1,72-2,4421,25350 lnbopo 104,53 -,61 -,08 -,3321,10729 lnnpl 104 4,59-7,02-2,43-4,2002,91960 lnldr 104 1,28-1,02,26 -,1967,20938 lndpk 104 4,54 13,16 17,70 15,4710 1,00413 Valid N (listwise) 104

12 100 Lampiran 12 : Output SPSS Hasil Pengujian Asumsi Klasik Uji Normalitas 1 Uji Normalitas 2

13 101 Lampiran 12 : Lanjutan Uji Normalitas 3 One-Sample Kolmogorov-Smirnov Test Unstandardized Residual N 104 a,b Mean, Normal Parameters Std. Deviation, Absolute,113 Most Extreme Differences Positive,093 Negative -,113 Kolmogorov-Smirnov Z 1,154 Asymp. Sig. (2-tailed),139 a. Test distribution is Normal. b. Calculated from data. Uji Heteroskedastisitas 1 Uji Heteroskedastisitas 2 a Model Unstandardized Standardized t Sig. B Std. Error Beta (Constant),259,154 1,675,097 lnnim,044,053,104,832,408 1 lnbopo,034,112,034,304,762 lnnpl,006,012,050,496,621 lnldr,009,058,017,150,881 a. Dependent Variable: ABSRES_UNSTDRZ

14 102 Lampiran 12 : Lanjutan Uji Autokorelasi Model Summary b Model R R Square Adjusted R Square Std. Error of the Estimate Durbin- Watson 1,878 a,771,762, ,820 a. Predictors: (Constant), lnldr, lnnpl, lnbopo, lnnim b. Dependent Variable: lnroa Uji Multikolinearitas 1 a Model Unstandardized Standardized t Sig. Collinearity Statistics B Std. Error Beta Tolerance VIF (Constant) -2,923,228-12,835,000 lnnim,450,078,348 5,781,000,640 1,562 1 lnbopo -1,854,165 -,606-11,213,000,791 1,264 lnnpl -,015,017 -,041 -,857,393,993 1,007 lnldr,258,085,165 3,036,003,786 1,272 a. Dependent Variable: lnroa Uji Multikolinearitas 2 Coefficient Correlations a Model lnldr lnnpl lnbopo lnnim lnldr 1,000 -,047 -,145 -,457 Correlations lnnpl -,047 1,000 -,039,044 lnbopo -,145 -,039 1,000,448 1 lnnim -,457,044,448 1,000 lnldr,007-6,911e-005 -,002 -,003 Covariances lnnpl -6,911E-005,000,000 5,941E-005 lnbopo -,002,000,027,006 lnnim -,003 5,941E-005,006,006 a. Dependent Variable: lnroa Collinearity Diagnostics a Model Dimension Eigenvalue Condition Variance Proportions Index (Constant) lnnim lnbopo lnnpl lnldr 1 4,420 1,000,00,00,00,00,01 2,466 3,081,00,00,01,00,76 1 3,079 7,504,00,01,68,06,04 4,033 11,650,02,05,00,88,02 5,003 39,362,98,94,31,06,16 a. Dependent Variable: lnroa

15 103 Lampiran 13 : Output SPSS Hasil Pengujian Hipotesis Pertama Variables Entered/Removed a Model Variables Entered Variables Removed Method 1 lnldr, lnnpl,. Enter lnbopo, lnnim b a. Dependent Variable: lnroa b. All requested variables entered. Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1,878 a,771,762,16017 a. Predictors: (Constant), lnldr, lnnpl, lnbopo, lnnim ANOVA a Model Sum of Squares df Mean Square F Sig. Regression 8, ,137 83,284,000 b 1 Residual 2,540 99,026 Total 11, a. Dependent Variable: lnroa b. Predictors: (Constant), lnldr, lnnpl, lnbopo, lnnim a Model Unstandardized Standardized t Sig. B Std. Error Beta (Constant) -2,923,228-12,835,000 lnnim,450,078,348 5,781,000 1 lnbopo -1,854,165 -,606-11,213,000 lnnpl -,015,017 -,041 -,857,393 lnldr,258,085,165 3,036,003 a. Dependent Variable: lnroa

16 104 Lampiran 14 : Output SPSS Hasil Pengujian Hipotesis Kedua Variables Entered/Removed a Model Variables Entered Variables Removed Method 1 lnldr, lnnpl,. Enter lnbopo, lnnim b a. Dependent Variable: lndpk b. All requested variables entered. Model Summary b Model R R Square Adjusted R Square Std. Error of the Estimate 1,608 a,370,345,81291 a. Predictors: (Constant), lnldr, lnnpl, lnbopo, lnnim b. Dependent Variable: lndpk ANOVA a Model Sum of Squares df Mean Square F Sig. Regression 38, ,608 14,539,000 b 1 Residual 65,422 99,661 Total 103, a. Dependent Variable: lndpk b. Predictors: (Constant), lnldr, lnnpl, lnbopo, lnnim a Model Unstandardized Standardized t Sig. B Std. Error Beta (Constant) 11,015 1,156 9,530,000 lnnim -1,727,395 -,436-4,372,000 1 lnbopo,421,839,045,502,617 lnnpl -,034,087 -,031 -,389,698 lnldr -1,203,432 -,251-2,788,006 a. Dependent Variable: lndpk Residuals Statistics a Minimum Maximum Mean Std. Deviation N Predicted Value 14, , ,4710, Residual -2, ,62746,00000, Std. Predicted Value -2,217 2,320,000 1, Std. Residual -2,803 2,002,000, a. Dependent Variable: lndpk

17 105 Lampiran 14 : Lanjutan Variables Entered/Removed a Model Variables Entered Variables Removed Method 1 lnroa b. Enter a. Dependent Variable: ABSRES_lnDPK b. All requested variables entered. Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1,097 a,009,000, a. Predictors: (Constant), lnroa ANOVA a Model Sum of Squares df Mean Square F Sig. Regression,228 1,228,975,326 b 1 Residual 23, ,233 Total 24, a. Dependent Variable: ABSRES_lnDPK b. Predictors: (Constant), lnroa a Model Unstandardized Standardized t Sig. B Std. Error Beta 1 (Constant),144,495,292,771 lnroa -,143,145 -,097 -,988,326 a. Dependent Variable: ABSRES_lnDPK

18 106 Lampiran 15 : Daftar Singkatan SINGKATAN Nama Pemakaian pertama kali pada halaman API Arsitektur Perbankan Indonesia (API) 1 PDB Produk Domestik Bruto 1 ASBANDA Asosiasi Bank Pembangunan Daerah 2 BPD Bank Pembangunan Daerah 2 BPDSI Bank Pembangunan Daerah Seluruh Indonesia 2 BRC BPD Regional Champion 2 UU Undang-Undang 2 DPK Dana Pihak Ketiga (DPK) 3 yoy year on year 3 ROA Return on Assets 5 BOPO Beban Operasional terhadap Pendapatan Operasional 7 CAR Capital Adequacy Ratio 7 DER Debt to Equity Ratio 7 FDR Financing to Deposit Ratio 7 GWM Giro Wajib Minimum 7 LDR Loan to Deposit Ratio 7 NIM Net Interest Margin 7 NOM Net Operating Margin 7 NPF Non Performing Financing 7 NPL Non Performing Loan 7 PK Pertumbuhan Kredit 7 PLO Pertumbuhan Laba Operasional 7 BEI Bursa Efek Indonesia 9 BEJ Bursa Efek Jakarta 9

19 107 SINGKATAN Nama Pemakaian pertama kali pada halaman CKPN Cadangan Kerugian Penurunan Nilai 24 PPAP Pemenuhan Penyisihan Penghapusan Aktiva Produktif 31 OLS Ordinary Least Square 48 BLUE Best Linier Unbiased Estimator 48 O-S K-S One-Sample Kolmogorov-Smirnov 49 p-value Probability Value 50 VIF Variance Inflation Factor 51 d Nilai Statistik Durbin-Watson 51 SPSS Statistical Product and Service Solutions 53 K-S LSC Kolmogorov-Smirnov dengan Lilliefors Significance Correction 62