BAB V PENUTUP
5.3 Saran-Saran
Berdasarkan kesimpulan dan keterbatasan yang telah disampaikan diatas, penulis berusaha memberikan beberapa saran agar penelitian selanjutnya dapat diperbaiki. Saran yang dapat diberikan yaitu sebagai berikut:
1. Pihak praktisi perbankan syariah bisa mempertimbangkan variabel Islamic corporate social responsibility (ICSR) untuk meningkatkan kinerja serta reputasi perbankan syariah. Selain itu perbankan syariah juga bisa mempertimbangkan pelaksanaan ICG dengan baik untuk meningkatkan kinerja suatu perusahaan.
2. Nilai Adjusted R2 sebesar 0,222, artinya variasi variabel independen hanya mampu menjelaskan variasi variabel dependen hanya sebesar 22,2%, sedangkan sisanya sebesar 77,8% dijelaskan faktor lain diluar model. Untuk itu kepada penelitian selanjutnya supaya dapat menambah variabel independen lain yang dianggap memiliki lebih besar pengaruhnya terhadap kinerja suatu perusahaan.
83
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89 Jadwal Penelitian
N
o Bulan November Desember Januari Februari Maret April Mei Juni Juli Agustus September
Kegiatan 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 Penyusunan Proposal x 2 Pendaftaran Seminar Proposal x 3 Seminar Proposal x 4 Konsultasi x x x x x x x x 5 Pengumpulan Data x 6 Analisis Data x 7 Pendaftaran Munaqosah x 8 Munaqosah 9 Revisi Skripsi
Lampiran 2 Indeks ICSR
CSR dimensions CSR sub-dimensions Mission and Vission
Statemnt
Comitments in operating wiyhin Syariah pinciples/ideas Comitments in providing returns within Syariah priciples Curent direction in serving the needs of the Muslim community
Comuitmnets to fulfil contractual relationship with various stakeholders via contract (uqud) statement
Future direction in serving the needs of the Muslim community
Comitment to engage only in permissible financing activities
Comitments to fulfil contrancts via contract (uqud) statement
Appreciation to costumers
Focus on maximissing stakeholders returns Products and
Services
No involvement in non-permissible activities
Involvement in non-permissible activities-% of profit Reason of involvement in non-permissible activities Handling of non-permissible activities
Indroduced new product
Basis Syariah concept in approving new produt Glossary/definition of products
Investment activities-general Financing project-general Zakah, charity and
benevolent funds
Bank liable for zakah Amount paid for zakah Source of zakah
Uses/beneficiaries of zakah
Balance of zakah not distributed-amount Reasons for balance of zakah
SSB attestation that sources and uses of zakah according to Shari'ah
SSB attestation that zakah according to Shari'ah Zakah to be paid by indivuals-amount
Sources of charity (sadaqa) Uses of charity (sadaqa) Sources of qard al-hassan Uses of qard al-hassan
Poliy for providing qard al-hassan
Policy on non-payment of qard al-hasssan Commitments
towards employees
Employees appreciation Number of employees
Equal opportunities policy Competitive salary
Employee wefare
Training: Shari'ah awareness Training; other
Training; student/recruitment scheme Training; monetary
Reward for employees Commitment
towards debtors
Debt Policy
Attitude towards debt products Amount of debts written off Type of lending activities-general Type of lending activities-detailed Commitment
towards community
Women branch
Creating job oppurtunities
Support for organisations that provide benefits to society Participation in government social activities
Sponsored community activities Commitment to social role
Conferences on Islamic economics and other educational areas
Lampiran 3
Data Pokok Penelitian
BANK TAHUN ICG (X1) ICSR (X2) ROA (Y1) REPUTASI (Y2)
Bank Mega Syariah 2011 5 0,554 1,58 1
Bank Bukopin Syariah 4 0,411 0,52 0
Bank Syariah Mandiri 4 0,679 1,95 1
Bank BRI Syariah 4 0,661 0,2 1
Bank BNI Syariah 4 0,589 1,29 1
Bank Muamalat 4 0,446 1,52 1
Bank Panin Syariah 4 0,268 1,75 0
Bank BCA Syariah 4 0,232 0,9 0
Bank Victoria Syariah 4 0,446 6,93 0
Bank Maybank Syariah 4 0,339 3,57 0
Bank Mega Syariah 2012 5 0,607 3,81 1
Bank Bukopin Syariah 4 0,464 0,55 0
Bank Syariah Mandiri 4 0,679 2,25 1
Bank BRI Syariah 4 0,661 1,19 1
Bank BNI Syariah 4 0,607 1,48 1
Bank Muamalat 4 0,607 1,54 1
Bank Panin Syariah 5 0,5 3,29 0
Bank BCA Syariah 5 0,357 0,8 0
Bank Victoria Syariah 4 0,411 1,43 0
Bank Maybank Syariah 4 0,429 2,88 0
Bank Mega Syariah 2013 5 0,625 2,33 1
Bank Bukopin Syariah 4 0,464 0,69 0
Bank Syariah Mandiri 4 0,75 1,53 1
Bank BRI Syariah 4 0,679 1,15 1
Bank BNI Syariah 4 0,571 1,37 1
Bank Muamalat 5 0,625 0,5 1
Bank Panin Syariah 5 0,643 1,03 0
Bank BCA Syariah 5 0,214 1 0
Bank Victoria Syariah 4 0,464 0,5 0
Bank Maybank Syariah 4 0,393 2,87 0
Bank Mega Syariah 2014 5 0,625 0,29 1
Bank Bukopin Syariah 4 0,482 0,27 0
Bank Syariah Mandiri 4 0,536 -0,04 1
Bank BNI Syariah 4 0,607 1,27 1
Bank Muamalat 5 0,75 0,17 1
Bank Panin Syariah 5 0,571 1,99 0
Bank BCA Syariah 5 0,5 0,8 0
Bank Victoria Syariah 4 0,518 -1,87 0
Bank Maybank Syariah 4 0,393 3,61 0
Bank Mega Syariah 2015 5 0,625 0,3 1
Bank Bukopin Syariah 4 0,5 0,79 0
Bank Syariah Mandiri 4 0,625 0,56 1
Bank BRI Syariah 5 0,679 0,76 1
Bank BNI Syariah 4 0,607 1,43 1
Bank Muamalat 5 0,75 0,2 1
Bank Panin Syariah 5 0,589 1,14 1
Bank BCA Syariah 5 0,357 1 0
Bank Victoria Syariah 4 0,339 -2,36 0
Bank Maybank Syariah 4 0,518 -20,13 1
Lampiran 4 Hasil Olah Data
Hasil Uji Statistik Deskriptif Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
ICG 40 4 5 4,45 ,504
ICSR 40 ,214 ,750 ,55848 ,133813
ROA 40 -,040 3,810 1,13075 ,828788
Valid N (listwise) 40
Uji Normalitas
One-Sample Kolmogorov-Smirnov Test (Sebelum Perbaikan)
Unstandardized Residual
N 50
Normal Parametersa,b Mean ,0000000
Most Extreme Differences
Absolute ,326
Positive ,183
Negative -,326
Kolmogorov-Smirnov Z 2,308
Asymp. Sig. (2-tailed) ,000
a. Test distribution is Normal. b. Calculated from data.
Hasil Uji Normalitas
One-Sample Kolmogorov-Smirnov Test (Setelah Perbaikan)
Unstandardized Residual
N 40
Normal Parametersa,b Mean ,0243104
Std. Deviation ,13559753
Most Extreme Differences
Absolute ,158
Positive ,083
Negative -,158
Kolmogorov-Smirnov Z 1,002
Asymp. Sig. (2-tailed) ,268
a. Test distribution is Normal. b. Calculated from data.
Uji Multikolinearitas Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. Collinearity Statistics B Std. Error Beta Toleran ce VIF 1 (Constant) ,821 1,307 ,628 ,534 ICG ,073 ,271 ,044 ,269 ,790 ,996 1,004 ICSR -,025 1,019 -,004 -,024 ,981 ,996 1,004
a. Dependent Variable: ROA
Uji Heteroskedastisitas Coefficientsa
Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta 1 (Constant) ,223 ,119 1,878 ,068 ICG -,002 ,025 -,014 -,092 ,927 ICSR -,181 ,093 -,307 -1,959 ,058
a. Dependent Variable: AbsROA
Uji Autokorelasi Model Summaryb
Model R R Square Adjusted R
Square
Std. Error of the Estimate
Durbin-Watson
1 ,044a ,002 -,052 ,850062 2,187
a. Predictors: (Constant), ICSR, ICG b. Dependent Variable: ROA
Koefisien Determinasi Model Summary
Model R R Square Adjusted R
Square
Std. Error of the Estimate
1 ,522a ,272 ,222 ,97271
a. Predictors: (Constant), ICSR, ICG
Uji Statistik F ANOVAa
Model Sum of Squares df Mean Square F Sig.
1
Regression 10,275 2 5,137 5,430 ,010b
Residual 27,439 29 ,946
Total 37,714 31
a. Dependent Variable: LagROA7 b. Predictors: (Constant), ICSR, ICG
Uji Statistik t
Coefficientsa
Model Unstandardized Coefficients Standardized
Coefficients t Sig. B Std. Error Beta 1 (Constant) -,071 1,861 -,038 ,970 ICG ,770 ,346 ,354 2,225 ,034 ICSR -3,289 1,481 -,353 -2,221 ,034
Iteration Historya,b,c
Iteration -2 Log likelihood Coefficients Constant
Step 0
1 51,799 ,600
2 51,796 ,619
3 51,796 ,619
a. Constant is included in the model. b. Initial -2 Log Likelihood: 51,796
c. Estimation terminated at iteration number 3 because parameter estimates changed by less than ,001.
Iteration Historya,b,c,d
Iteration -2 Log likelihood Coefficients
Constant X1 X2 Step 1 1 28,065 -3,354 -,458 10,728 2 22,408 -5,558 -,944 18,806 3 20,376 -7,258 -1,553 26,863 4 19,998 -7,917 -2,026 31,979 5 19,978 -8,002 -2,180 33,430 6 19,978 -8,004 -2,191 33,526 7 19,978 -8,004 -2,191 33,526 a. Method: Enter
b. Constant is included in the model. c. Initial -2 Log Likelihood: 51,796
d. Estimation terminated at iteration number 7 because parameter estimates changed by less than ,001.
Hasil Omnibus Test
Omnibus Tests of Model Coefficients
Chi-square df Sig.
Step 1
Step 31,817 2 ,000
Block 31,817 2 ,000
Pseudo R Square Model Summary
Step -2 Log likelihood Cox & Snell R Square
Nagelkerke R Square
1 19,978a ,549 ,756
a. Estimation terminated at iteration number 7 because parameter estimates changed by less than ,001.
Hosmer and Lemeshow Test
Chi-square df Sig. 4,447 7 ,727 Classification Result Classification Tablea Observed Predicted REPUTASI Percentage Correct reputasi buruk reputasi baik
Step 1
REPUTASI
reputasi buruk 12 2 85,7
reputasi baik 2 24 92,3
Overall Percentage 90,0
a. The cut value is ,500
Estimasi Parameter Variables in the Equation
B S.E. Wald df Sig. Exp(B)
Step 1a
X1 -2,191 1,516 2,089 1 ,148 ,112
X2 33,526 11,689 8,227 1 ,004 3631965589619
90,800
Constant -8,004 5,559 2,073 1 ,150 ,000
a. Variable(s) entered on step 1: X1, X2.
Lampiran 5
1. DATA PRIBADI
Nama : Shabatina Khusnawati
Jenis Kelamin : Perempuan
Tempat dan Tanggal Lahir : Karanganyar, 01 November 1993
Agama : Islam
Alamat : Domas RT/RW. 002/001, Munggur,
Mojogedang, Karanganyar.
No. HP : 085643022698
e-mail : huztna@gmail.com
Motto : “I believe I can because I think I can”
PENDIDIKAN FORMAL
1. 2013-2017 Fakultas Ekonomi dan bisnis Islam, IAIN Surakarta 2. 2009-2012 SMA Negeri Mojogedang
3. 2006-2019 SMP Negeri 01 Mojogedang 4. 2000-2006 SD Negeri 1 Munggur RIWAYAT ORGANISASI
101 Hasil containt analysis
1. Bank Mega Syariah
Bank Mega Syariah
CSR dimensions CSR sub-dimensions 2011 2012 2013 2014 2015
Mission and Vission Statemnt Comitments in operating wiyhin Syariah pinciples/ideas 1 1 1 1 1
Comitments in providing returns within Syariah priciples 1 1 1 1 1
Curent direction in serving the needs of the Muslim
community 1 1 1 1 1
Comuitmnets to fulfil contractual relationship with various
stakeholders via contract (uqud) statement 0 0 0 0 0
Future direction in serving the needs of the Muslim
community 1 1 1 1 1
Comitment to engage only in permissible financing activities 0 0 0 0 0
Comitments to fulfil contrancts via contract (uqud) statement 0 1 1 1 1
Apperciation to costumers 1 1 1 1 1
Focus on maximissing stakeholders returns 0 0 0 0 0
Products and Services No involvement in non-permissible activities 0 0 0 0 0
Involvement in non-permissible activities-% of profit 0 0 0 0 0
Reason of involvement in non-permissible activities 0 0 0 0 0
Handling of non-permissible activities 0 0 0 0 0
Indroduced new product 0 0 0 0 0
102
Glossary/definition of products 1 1 1 1 1
Investment activities-general 0 1 1 1 1
Financing project-general 0 0 0 0 0
Zakah, charity and benevolent
funds Bank liable for zakah 1 1 1 1 1
Amount paid for zakah 1 1 1 1 1
Source of zakah 1 1 1 1 1
Uses/beneficiaries of zakah 1 1 1 1 1
Balance of zakah not distributed-amount 1 1 1 1 1
Reasons for balance of zakah 0 0 0 0 0
SSB attestation that sources and uses of zakah according
to Shari'ah 1 1 1 1 1
SSB attestation that zakah according to Shari'ah 1 1 1 1 1
Zakah to be paid by indivuals-amount 0 0 0 0 0
Sources of charity (sadaqa) 0 0 0 0 0
Uses of charity (sadaqa) 0 0 0 0 0
Sources of qard al-hassan 1 1 1 1 1
Uses of qard al-hassan 1 1 1 1 1
Poliy for providing qard al-hassan 0 0 0 0 0
Policy on non-payment of qard al-hasssan 0 0 0 0 0
Commitments towards employees Employees appreciation 1 1 1 1 1
Number of employees 1 1 1 1 1
Equal opportunities policy 1 1 1 1 1
103
Training: Shari'ah awareness 1 1 1 1 1
Training; other 1 1 1 1 1
Training; student/recruitment scheme 1 1 1 1 1
Training; monetary 0 0 0 0 0
Reward for employees 1 1 1 1 1
Commitment towards debtors Debt Policy 1 1 1 1 1
komitmen terhadap debitot Attitude towards debt products 1 1 1 1 1
Amount of debts written off 1 1 1 1 1
Type of lending activities-general 1 1 1 1 1
Type of lending activities-detailed 1 1 1 1 1
Commitment towards community Women branch 0 0 0 0 0
komitment terhadap masyarakat Creating job oppurtunities 0 0 0 0 0
Support for organisations that provide benefits to society 0 0 1 1 1
Participation in government social activities 1 1 1 1 1
Sponsored community activities 0 0 0 0 0
Commitment to social role 1 1 1 1 1
Conferences on Islamic economics and other educational
areas 0 0 0 0 0
104
BUKOPIN SYARIAH
CSR dimensions CSR sub-dimensions 2011 2012 2013 2014 2015
Mission and Vission Statemnt Comitments in operating wiyhin Syariah pinciples/ideas 1 1 1 1 1
Comitments in providing returns within Syariah priciples 1 1 1 1 1
Curent direction in serving the needs of the Muslim community 1 1 1 1 1
Comuitmnets to fulfil contractual relationship with various
stakeholders via contract (uqud) statement 0 0 0 0 0
Future direction in serving the needs of the Muslim community 1 1 1 1 1
Comitment to engage only in permissible financing activities 0 0 0 0 0
Comitments to fulfil contrancts via contract (uqud) statement 1 1 1 1 1
Apperciation to costumers 0 0 0 0 0
Focus on maximissing stakeholders returns 0 0 0 0 0
Products and Services No involvement in non-permissible activities 0 0 0 0 0
Involvement in non-permissible activities-% of profit 0 0 0 0 0
Reason of involvement in non-permissible activities 0 0 0 0 0
Handling of non-permissible activities 0 1 1 1 1
Indroduced new product 0 0 0 0 0
Approval ex ante by SSB for new product 0 0 0 0 0
Basis Syariah concept in approving new produt 0 0 0 0 0
Glossary/definition of products 0 0 0 1 1
Investment activities-general 0 0 0 0 0
Financing project-general 1 1 1 1 1
Zakah, charity and benevolent
105
Source of zakah 0 0 0 0 0
Uses/beneficiaries of zakah 0 0 0 0 0
Balance of zakah not distributed-amount 0 0 0 0 0
Reasons for balance of zakah 0 0 0 0 0
SSB attestation that sources and uses of zakah according
to Shari'ah 0 0 0 0 0
SSB attestation that zakah according to Shari'ah 0 0 0 0 0
Zakah to be paid by indivuals-amount 0 0 0 0 0
Sources of charity (sadaqa) 0 0 0 0 0
Uses of charity (sadaqa) 0 0 0 0 0
Sources of qard al-hassan 0 1 1 1 1
Uses of qard al-hassan 0 1 1 1 1
Poliy for providing qard al-hassan 0 0 0 0 0
Policy on non-payment of qard al-hasssan 0 0 0 0 0
Commitments towards employees Employees appreciation 1 1 1 1 1
Number of employees 1 1 1 1 1
Equal opportunities policy 1 1 1 1 1
Competitive salary 1 1 1 1 1
Employee wefare 1 1 1 1 1
Training: Shari'ah awareness 1 1 1 1 1
Training; other 1 1 1 1 1
Training; student/recruitment scheme 1 1 1 1 1
Training; monetary 1 1 1 1 1
106
komitmen terhadap debitot Attitude towards debt products 1 1 1 1 1
Amount of debts written off 1 1 1 1 1
Type of lending activities-general 1 1 1 1 1
Type of lending activities-detailed 1 1 1 1 1
Commitment towards community Women branch 0 0 0 0 0
komitment terhadap masyarakat Creating job oppurtunities 1 1 1 1 1
Support for organisations that provide benefits to society 0 0 0 0 0
Participation in government social activities 0 0 0 0 0
Sponsored community activities 0 0 0 0 0
Commitment to social role 1 1 1 1 1
Conferences on Islamic economics and other educational areas 0 0 0 0 1
107
BSM
CSR dimensions CSR sub-dimensions 2011 2012 2013 2014 2015
Mission and Vission Statemnt Comitments in operating wiyhin Syariah pinciples/ideas 1 1 1 1 1
Comitments in providing returns within Syariah priciples 1 1 1 1 1
Curent direction in serving the needs of the Muslim
community 1 1 1 1 1
Comuitmnets to fulfil contractual relationship with various
stakeholders via contract (uqud) statement 1 1 1 1 1
Future direction in serving the needs of the Muslim
community 1 1 1 1 1
Comitment to engage only in permissible financing activities 1 1 1 1 1
Comitments to fulfil contrancts via contract (uqud) statement 1 1 1 1 1
Apperciation to costumers 0 0 0 0 0
Focus on maximissing stakeholders returns 1 1 1 1 1
Products and Services No involvement in non-permissible activities 0 0 0 0 0
Involvement in non-permissible activities-% of profit 1 1 1 1 1
Reason of involvement in non-permissible activities 0 0 0 0 0
Handling of non-permissible activities 1 1 1 0 1
Indroduced new product 0 1 1 1 1
Approval ex ante by SSB for new product 0 0 0 0 0
Basis Syariah concept in approving new produt 1 1 1 0 1
Glossary/definition of products 1 1 1 1 1
Investment activities-general 1 1 1 1 1
108
Amount paid for zakah 0 0 1 0 0
Source of zakah 1 1 1 0 0
Uses/beneficiaries of zakah 1 1 1 0 0