PERHITUNGAN MASING-MASING PERSPEKTIF
DALAM BALANCED SCORECARD
PT.BPR NBP SETIA BUDI MEDAN
No
Rasio
2011
2012
1
Perspektif Keuangan
Non Performing Loans (
NPL)
NPL =
𝑆𝑆𝑅𝑅𝑆𝑆𝐿𝐿𝐿𝐿𝑃𝑃𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾 𝑦𝑦𝑦𝑦𝑃𝑃𝑦𝑦 𝐿𝐿𝐾𝐾𝐾𝐾𝐵𝐵𝑦𝑦𝐵𝐵𝑦𝑦𝐵𝐵𝑦𝑦 ℎ𝑆𝑆𝑇𝑇𝐾𝐾𝑦𝑦𝐵𝐵 𝑃𝑃𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾 𝑌𝑌𝑦𝑦𝑃𝑃𝑦𝑦 𝑃𝑃𝐾𝐾𝐷𝐷𝐾𝐾𝐾𝐾𝐾𝐾𝐷𝐷𝑦𝑦𝑃𝑃
𝑥𝑥
100
Beban Operasional
BOPO =
𝐿𝐿𝐾𝐾𝐷𝐷𝑦𝑦𝑃𝑃 𝑅𝑅𝑂𝑂𝐾𝐾𝐾𝐾𝑦𝑦𝐵𝐵𝐾𝐾𝑇𝑇𝑃𝑃𝑦𝑦𝐵𝐵𝑃𝑃𝐾𝐾𝑃𝑃𝐾𝐾𝑦𝑦𝑂𝑂𝑦𝑦𝐾𝐾𝑦𝑦𝑃𝑃 𝑅𝑅𝑂𝑂𝐾𝐾𝐾𝐾𝑦𝑦𝐵𝐵𝐾𝐾𝑇𝑇𝑃𝑃𝑦𝑦𝐵𝐵
x 100
Loans to Deposit Ratio
(LDR)
LDR =
𝑆𝑆𝑇𝑇𝐾𝐾𝑦𝑦𝐵𝐵 𝑃𝑃𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾𝐾 𝑦𝑦𝑦𝑦𝑃𝑃𝑦𝑦 𝐾𝐾𝐾𝐾𝐷𝐷𝐾𝐾𝐾𝐾𝐾𝐾𝐷𝐷𝑦𝑦𝑃𝑃𝑆𝑆𝑇𝑇𝐾𝐾𝑦𝑦𝐵𝐵 𝑃𝑃𝑦𝑦𝑃𝑃𝑦𝑦 𝑃𝑃𝐾𝐾ℎ𝑦𝑦𝐷𝐷𝑃𝑃𝐾𝐾𝐾𝐾𝐾𝐾𝑦𝑦𝑦𝑦
x 100
NPL
=
7,516,342,872
21,723,534,312
x 100
= 3,46
BOPO =
7,446,334,020
10,584,696,546
x 100
= 70,35
LDR =
8,037,867,816
9,359,417,578
x 100
= 85,88
NPL
=
6,103,331,288
23,564,985,668
x 100
= 2,59
BOPO =
9,537,702,228
11,856,914,754
x 100
= 80,44
LDR =
9,415,808,328
10,526,336,867
x 100
= 89,45
2
Perspektif Pelanggan
Tingkat Kepuasan Nasabah = Rasio Skor Puas +
Rasio Skor Sangat Puas
53,44% + 36,23% = 89,67%
54,35% + 38,30% = 92,65%
3
Perspektif Bisnis Internal
Administrative Expense Total Revenue (AETR)
AETR =
𝐿𝐿𝐾𝐾𝐷𝐷𝑦𝑦𝑃𝑃 𝐿𝐿𝐾𝐾𝐵𝐵𝐾𝐾𝑃𝑃𝐾𝐾𝐵𝐵𝐾𝐾𝐾𝐾𝑦𝑦𝐵𝐵𝐾𝐾𝑆𝑆𝑇𝑇𝐾𝐾𝑦𝑦𝐵𝐵 𝑃𝑃𝐾𝐾𝑃𝑃𝐾𝐾𝑦𝑦𝑂𝑂𝑦𝑦𝐾𝐾𝑦𝑦𝑃𝑃
x 100
AETR =
972,948,962
1,487,689,544
x 100
= 6,54
AETR =
1,131,557,320
1,696,487,736
x 100
= 6,67
4
Perpektif Pertumbuhan dan Pembelajaran
Tingkat Kepuasan Karyawan = Rasio Skor Puas +
Rasio Skor Sangat Puas
UJI VALIITAS DAN RELIABILITAS KEPUASAN KARYAWAN
PT.BPR NBP Setia Budi
Correlations
q1 q2 q3 q4 q5 q6 qq1
q1 Pearson Correlation Sig. (2-tailed) N
q2 Pearson Correlation Sig. (2-tailed) N
q3 Pearson Correlation Sig. (2-tailed) N
q4 Pearson Correlation Sig. (2-tailed) N
q5 Pearson Correlation Sig. (2-tailed) N
q6 Pearson Correlation Sig. (2-tailed) N
qq1Pearson Correlation Sig. (2-tailed)
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.811 .817 5
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q1 19.83 5.730 .622 .411 .777
Correlations
q7 q8 q9 qq2
q7 Pearson Correlation Sig. (2-tailed) N
q8 Pearson Correlation Sig. (2-tailed) N
q9 Pearson Correlation Sig. (2-tailed) N
qq2 Pearson Correlation Sig. (2-tailed)
N
1
30 .177 .349 30 .519(**) .003 30 .764(**) 0.000 30
.177 .349 30 1
30 .399(*) .029 30 .676(**) .000 30
.519(**) .003 30 .399(*) .029 30 1
30 .837(**) .000 30
.764(**) 0.000 30 .676(**) 0.000 30 .837(**) .000 30 1
30
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.630 .633 3
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q7 19.83 5.730 .622 .411 .777
q8 19.73 5.926 .504 .455 .797
q10 q11 q12 qq3 q10 Pearson Correlation
Sig. (2-tailed) N
q11 Pearson Correlation Sig. (2-tailed) N
qq12 Pearson Correlation Sig. (2-tailed)
N
qq3 Pearson Correlation Sig. (2-tailed) N
1
30 .647(**) .000 30 .438(*) .016 30 .807(**) 0.000 30
.647(**) .000 30 1
30 .471(**) .009 30 .820(**) .000 30
.438(*) .016 30 .471(**) .009 30 1
30 .832(**) .000 30
.807(**) 0.000 30 .820(**) 0.000 30 .832(**) .000 30 1
30
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.734 .763 3
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q10 7.83 1.178 .605 .441 .609
q11 7.70 1.183 .637 .462 .583
q12 8.13 .878 .501 .263 .785
Correlations
q13 q14 q15 qq4
q13 Pearson Correlation Sig. (2-tailed) N
q14 Pearson Correlation Sig. (2-tailed) N
q15 Pearson Correlation Sig. (2-tailed) N
qq4 Pearson Correlation Sig. (2-tailed) N
1
30 .575(**) .001 30 .283 .130 30 .714(**) 0.000 30
.575(**) .001 30 1
30 .496(**) .005 30 .884(**) .000 30
.283 .130 30 .496(**) .005 30 1
30 .780(**) .000 30
.714(**) 0.000 30 .884(**) 0.000 30 .780(**) .000 30 1
30
** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.700 .711 3
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q13 7.67 2.230 .501 .331 .662
q14 8.13 1.292 .652 .451 .416
q16 q17 q18 q19 q20 qq5 q16 Pearson Correlation
Sig. (2-tailed) N
q17 Pearson Correlation Sig. (2-tailed) N
q18 Pearson Correlation Sig. (2-tailed) N
q19 Pearson Correlation Sig. (2-tailed) N
q20Pearson Correlation Sig. (2-tailed) N
q5 Pearson Correlation Sig. (2-tailed)
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.783 .782 5
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q16 15.57 4.047 .524 .323 .757
q17 15.57 3.771 .707 .528 .690
q18 15.53 4.878 .326 .132 .811
q19 15.57 4.116 .625 .534 .722
q20 15.53 4.033 .633 .476 .718
UJI VALIDITAS DAN RELIABILITAS KEPUASAN NASABAH
PT.BPR NBP Setia Budi
Correlations
q1 q2 q3 q4 q5 qq1
q1 Pearson Correlation Sig. (2-tailed) N
q2 Pearson Correlation Sig. (2-tailed) N
q3 Pearson Correlation Sig. (2-tailed) N
q4 Pearson Correlation Sig. (2-tailed) N
q5 Pearson Correlation Sig. (2-tailed) N
qq1 Pearson Correlation Sig. (2-tailed)
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.699 .689 5
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q1 16.00 5.517 .233 .130 .725
q2 16.03 4.033 .654 .493 .561
q3 16.17 3.868 .555 .398 .602
q4 16.27 4.340 .466 .299 .645
q6 q7 q8 q9 q10 q11 qq2 q6 Pearson Correlation
Sig. (2-tailed) N
q7 Pearson Correlation Sig. (2-tailed) N
q8 Pearson Correlation Sig. (2-tailed) N
q9 Pearson Correlation Sig. (2-tailed) N
q10 Pearson Correlation Sig. (2-tailed) N
q11 Pearson Correlation Sig. (2-tailed) N
qq2Pearson Correlation Sig. (2-tailed)
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.740 .729 5
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q6 17.50 14.190 .305 .103 .747
Correlations
q12 q13 q14 q15 q16 qq3
q12 Pearson Correlation Sig. (2-tailed) N
q13 Pearson Correlation Sig. (2-tailed) N
q14 Pearson Correlation Sig. (2-tailed) N
q15 Pearson Correlation Sig. (2-tailed) N
q16 Pearson Correlation Sig. (2-tailed) N
qq3 Pearson Correlation Sig. (2-tailed)
* Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed)
Reliability Statistics Cronbach’s
Alpha
Cronbach’s Alpha Based On Standarized
Items
N of Items
.717 .720 5
Item-Total Statistics
Sclae Mean if Item Deleted
Scale variance if Item Deleted
Corrected Item-total Correlation
Squared Multiple Correlation
Cronbach’s Alpha if Item
Deleted
q12 15.23 7.289 .414 .218 .693
q13 15.33 7.540 .368 .161 .708
q14 15.20 6.441 .634 .444 .615
q15 15.57 4.944 .620 .430 .606
