Lampiran 1 : Data Rasio Keuangan Gambaran DPK, CAR, NPL, ROA dan Kredit Bank Pemerintah dan Bank Pembangunan Daerah di Indonesia Periode 2008-2012 Tahun Nama Bank DPK CAR NPL ROA Penyaluran Kredit (%) (%) (%) (%) (%) 2008 PT BANK MANDIRI TBK 14.53 21.11 7.33 2.4 13.28 PT BANK NEGARA INDONESIA TBK 7.02 15.74 8.18 0.85 14.12 PT BANK RAKYAT INDONESIA TBK 12.31 16.66 3.44 4.61 10.59 PT BANK TABUNGAN NEGARA TBK 12.97 22.91 4.05 1.92 11.35 BPD ACEH 30.45 26.57 2.32 2.87 31.29 BPD SUMATERA UTARA 28.05 16.57 2.13 3.14 28.45 BPD NAGARI 26.4 18.77 3.87 2.58 32.1 BPD JAMBI 18.44 18.61 0.43 4.87 23.03 BPD BENGKULU 21.41 21.83 1.18 2.85 22.59 BPD RIAU 26.82 24.79 0.58 3.23 26.44 BPD LAMPUNG 28.9 21.86 1.56 2.61 18.93 BPD DKI 28.33 13.66 2.05 1.41 22.78 BPD JOGYAKARTA 22.05 18.98 1.46 2.78 33.3 BPD JAWA BARAT 20.61 15.06 0.76 3.31 20.51 BPD JAWA TENGAH 28.02 18.51 0.06 3.72 21.52 BPD KALIMANTAN SELATAN 19.37 17.61 1.49 2.81 18.12 BPD KALIMANTAN TIMUR 24.73 25.3 2.07 3.11 23.05 BPD KALIMANTAN TENGAH 22.07 24.19 2.69 3.13 23.92 BPD SULAWESI TENGGARA 30.36 40.66 9.39 2.29 30.33 BPD SULAWESI SELATAN 26.41 19.89 2.72 5.7 18.05 BPD NUSA TENGGARA BARAT 24.08 14.18 0.64 4.53 24.01 BPD BALI 21.95 15.18 0.76 4.33 17.18 2009 PT BANK MANDIRI TBK 20.62 15.72 4.69 2.69 22.48 PT BANK NEGARA INDONESIA TBK 24.27 13.5 4.9 1.1 18.67 PT BANK RAKYAT INDONESIA TBK 15.81 13.67 2.8 4.18 15.26 PT BANK TABUNGAN NEGARA TBK 14.19 16.44 3.2 1.8 16.16 BPD ACEH 36.02 23.51 2.66 3.48 28.32 BPD SUMATERA UTARA 35.31 12.29 2.51 4.4 22.53 BPD NAGARI 34.06 17.54 3.87 3.22 35.42 BPD JAMBI 25.06 29.98 0.54 5.16 35.24 BPD BENGKULU 22.07 19.18 1.08 4.61 25.87 BPD RIAU 27.83 35.64 0.46 3.59 33.46 BPD LAMPUNG 29.06 26.76 1.86 2.97 20.42 BPD DKI 30.04 13.67 3.26 1.41 24.12
BPD JOGYAKARTA 28.34 18.64 1.73 3.23 26.43 BPD JAWA BARAT 28.49 21.45 0.11 3.04 33.79 BPD JAWA TENGAH 31.85 20.69 0.08 3.8 29.04 BPD KALIMANTAN SELATAN 24.55 16.71 1.27 3.81 24.3 BPD KALIMANTAN TIMUR 28.49 22.21 1.78 4.85 19.78 BPD KALIMANTAN TENGAH 23.71 19.4 1.79 4.04 31.18 BPD SULAWESI TENGGARA 25.43 37.08 9.21 4.28 29.42 BPD SULAWESI SELATAN 23.51 19.56 2.7 7.66 24.58 BPD NUSA TENGGARA BARAT 23.59 15.57 0.57 4.39 23.72 BPD BALI 18.6 13.89 0.68 4.32 18.49 2010 PT BANK MANDIRI TBK 19.29 15.6 2.8 3.00 19.68 PT BANK NEGARA INDONESIA TBK 27.55 13.8 4.7 1.70 20.05 PT BANK RAKYAT INDONESIA TBK 19.59 13.2 3.52 3.73 19.34 PT BANK TABUNGAN NEGARA TBK 20.00 21.49 3.36 1.47 20.45 BPD ACEH 33.06 18.38 7.22 3.51 29.94 BPD SUMATERA UTARA 25.84 11.69 3.41 5.82 26.39 BPD NAGARI 28.89 13.69 4.32 3.1 25.6 BPD JAMBI 22.65 21.75 0.60 5.21 25.5 BPD BENGKULU 23.21 24.93 2.13 3.93 23.59 BPD RIAU 25.18 21.64 0.02 2.69 27.75 BPD LAMPUNG 25.57 21.55 1.47 4.79 25.14 BPD DKI 25.72 11.41 2.54 2.24 26.57 BPD JOGYAKARTA 27.9 14.99 1.49 3.47 26.42 BPD JAWA BARAT 26.9 22.1 0.01 2.81 26.24 BPD JAWA TENGAH 27.65 17.02 1.70 4.55 28.63 BPD KALIMANTAN SELATAN 21.66 17.9 1.74 4.32 22.13 BPD KALIMANTAN TIMUR 20.09 18.08 3.10 3.73 26.16 BPD KALIMANTAN TENGAH 24.23 22.46 1.48 3.25 28.83 BPD SULAWESI TENGGARA 23.49 30.16 8.85 4.51 37.36 BPD SULAWESI SELATAN 27.82 12.49 2.07 5.8 28.17 BPD NUSA TENGGARA BARAT 26.57 15.01 0.25 6.27 26.38 BPD BALI 25.77 12.79 0.57 4.26 28.48 2011 PT BANK MANDIRI TBK 21.24 14.7 2.4 3.4 23.83 PT BANK NEGARA INDONESIA TBK 19.08 18.6 4.3 2.5 21.13 PT BANK RAKYAT INDONESIA TBK 23.41 13.76 2.78 4.64 24.77 PT BANK TABUNGAN NEGARA TBK 24.22 16.74 3.26 2.05 23.83 BPD ACEH 32.15 18.26 3.03 3.96 33.82 BPD SUMATERA UTARA 37.18 15.25 2.03 6.16 32.14 BPD NAGARI 34.27 12.67 1.33 4.24 34.09 BPD JAMBI 34.36 23.46 0.36 3.58 31.27 BPD BENGKULU 36.7 23.45 0.94 5.84 29.93 BPD RIAU 34.65 20.24 0.95 2.57 33.22
BPD LAMPUNG 36.57 19.81 1.20 3.19 34.28 BPD DKI 31.61 10.67 2.52 2.32 31.05 BPD JOGYAKARTA 31.77 13.02 1.19 3.32 34.02 BPD JAWA BARAT 31.86 19.71 0.99 2.42 32.01 BPD JAWA TENGAH 33.87 14.93 0.10 4.04 30.13 BPD KALIMANTAN SELATAN 37.09 15.27 0.96 6.22 29.93 BPD KALIMANTAN TIMUR 33.81 19.02 3.70 4.62 32.27 BPD KALIMANTAN TENGAH 36.18 22.15 0.81 4.11 33.17 BPD SULAWESI TENGGARA 35.73 27.77 9.82 6.92 40.94 BPD SULAWESI SELATAN 36.05 23.25 1.82 6.12 33.65 BPD NUSA TENGGARA BARAT 35.76 13.15 0.14 5.71 34.58 BPD BALI 33.75 11.73 0.57 3.98 33.1 2012 PT BANK MANDIRI TBK 24.22 17.2 2.2 3.4 20.73 PT BANK NEGARA INDONESIA TBK 22.07 17.6 3.6 2.2 26.03 PT BANK RAKYAT INDONESIA TBK 28.89 14.96 2.3 4.64 30.04 PT BANK TABUNGAN NEGARA TBK 28.62 15.03 2.75 2.03 28.21 BPD ACEH 34.78 17.62 0.03 3.46 36.23 BPD SUMATERA UTARA 36.97 14.08 2.01 3.26 41.45 BPD NAGARI 36.82 14.79 2.00 2.68 40.29 BPD JAMBI 42.98 23.55 0.05 3.28 43.22 BPD BENGKULU 40.07 13.82 0.36 3.17 46.47 BPD RIAU 40.16 19.27 0.19 2.95 39.02 BPD LAMPUNG 37.84 18.62 0.87 2.8 40.57 BPD DKI 42.36 12.25 3.40 1.87 42.36 BPD JOGYAKARTA 40.32 14.45 0.31 2.69 39.55 BPD JAWA BARAT 41.23 17.12 0.01 1.76 41.73 BPD JAWA TENGAH 38.47 14.43 1.74 2.83 41.22 BPD KALIMANTAN SELATAN 41.23 17.22 1.63 2.81 47.93 BPD KALIMANTAN TIMUR 46.08 21.36 6.61 4.08 41.55 BPD KALIMANTAN TENGAH 39.58 31.4 8.36 3.88 37.99 BPD SULAWESI TENGGARA 40.76 23.17 6.49 4.5 51.68 BPD SULAWESI SELATAN 38.16 21.85 0.01 3.34 36.12 BPD NUSA TENGGARA BARAT 37.65 12.94 0.28 6.03 39.02 BPD BALI 40.47 17.56 2.07 3.54 38.41
Lampiran 2 : Hasil Olah Data (Output) SPSS 16 Deskripsi Statistik Variabel Penelitian Bank Pemerintah dan BPD Descriptive Statistics N Minimum Maximum Mean Std. Deviation DPK 110 7.02 46.08 28.5986 7.66026 CAR 110 10.67 40.66 18.7434 5.45477 NPL 110.01 9.82 2.3703 2.23416 ROA 110.85 7.66 3.6240 1.29943 KREDIT 110 10.59 51.68 28.6309 8.12900 Valid N (listwise) 110 Uji Asumsi Klasik Uji Normalitas Uji Kolmogorov Smirnov (Sebelum Transformasi) One-Sample Kolmogorov-Smirnov Test DPK CAR NPL ROA KREDIT N 110 110 110 110 110 Normal Parameters(a,b) Mean 28.5986 18.7434 2.3703 3.6240 28.6309 Std. Deviation 7.66026 5.45477 2.23416 1.29943 8.12900 Most Extreme Differences Absolute.076.089.151.074.073 Positive.076.089.151.074.073 Negative -.068 -.081 -.145 -.054 -.036 Kolmogorov-Smirnov Z.797.938 1.584.777.763 Asymp. Sig. (2-tailed).549.342.013.582.605
a Test distribution is Normal. b Calculated from data. Uji Kolmogorov Smirnov (Sesudah Transformasi) One-Sample Kolmogorov-Smirnov Test DPK CAR LnNPL ROA KREDIT N 110 110 102 110 110 Normal Parameters(a,b) Mean 28.5986 18.7434.5438 3.6240 28.6309 Std. Deviation 7.66026 5.45477.98608 1.29943 8.12900 Most Extreme Differences Absolute.076.089.110.074.073 Positive.076.089.049.074.073 Negative -.068 -.081 -.110 -.054 -.036 Kolmogorov-Smirnov Z.797.938 1.110.777.763 Asymp. Sig. (2-tailed).549.342.170.582.605 a Test distribution is Normal. b Calculated from data. Histogram 25 Dependent Variable: KREDIT Frequency 20 15 10 5 0-3 -2-1 0 1 2 Regression Standardized Residual 3 Mean =2.75E-15 Std. Dev. =0.98 N =102
Grafik Histogram Normal P-P Plot of Regression Standardized Residual Dependent Variable: KREDIT 1.0 Expected Cum Prob 0.8 0.6 0.4 0.2 0.0 0.0 0.2 0.4 0.6 0.8 Observed Cum Prob 1.0 Normal P-Plot Uji Multikolineritas Coefficients a Collinearity Statistics Tolerance VIF 1 DPK.946 1.058 CAR.950 1.053 LnNPL.879 1.137 ROA.924 1.083 a. Dependent Variable: KREDIT
Uji Heteroskedastisitas Scatterplot Dependent Variable: KREDIT 3 Regression Studentized Residual 2 1 0-1 -2-3 -3-2 -1 0 1 2 Regression Standardized Predicted Value 3 Uji Autokorelasi Summary b R R Square Adjusted R Square Std. Error of the Estimate Durbin- Watson 1.843 a.711.700 4.44351 1.646 a. Predictors: (Constant), ROA, CAR, DPK, LnNPL b. Dependent Variable: KREDIT
Analisis Regresi Berganda Coefficients(a) Standardized Unstandardized Coefficients Coefficients T Sig. B Std. Error Beta B Std. Error 1 (Constant).788 2.452.322.748 DPK.884.060.830 14.803.000 CAR.150.081.104 1.858.066 LnNPL -.275.478 -.033 -.575.567 ROA -.014.346 -.002 -.040.968 a Dependent Variable: KREDIT Analisis Regresi Dummy Unstandardized Coeffic ients Coefficients a St andardiz ed Coeffic ients B Std. Error Beta t Sig. 1 (Const ant) 2.411 3.159.763.447 DPK.855.069.803 12.325.000 CAR.130.085.090 1.531.129 LnNPL -.134.509 -.016 -.264.792 ROA -.087.358 -.014 -.243.809 DUMMY -1. 230 1.506 -.061 -.816.416 a. Dependent Variable: KREDIT
Uji Serempak (Uji F) ANOVA b Sum of Squares df Mean S quare F Sig. 1 Regres sion 4721.517 4 1180.379 59.782.000 a Residual 1915.240 97 19.745 Total 6636.756 101 a. Predictors: (Constant), ROA, CAR, DPK, LnNPL b. Dependent Variable: KREDIT Uji Parsial (Uji t) Unstandardized Coefficients Coefficients a Standardized Coefficients B Std. Error Beta t Sig. 1 (Constant).788 2.452.322.748 DPK.884.060.830 14.803.000 CAR.150.081.104 1.858.066 LnNPL -.275.478 -.033 -.575.567 ROA -.014.346 -.002 -.040.968 a. Dependent Variable: KREDIT Koefisien Determinasi (R 2 ) Summary(b) Std. Error of the R R Square Adjusted R Square Estimate