PengaruhTotal Financing, Non Performing Financing, Earning Before Taxes and Provisions, dan Return on Equity Terhadap Perataan Laba pada Bank Umum Syariah di Indonesia Periode 2010-2014

Data TF Bank Muamalat Indonesia Bank Syariah Mandiri, Bank Rakyat

Indonesia Syariah,Bank Mega Syariah, dan Bank Syariah Bukopin Periode

Maret 2010 – Desember 2014 (Dalam Jutaan Rupiah)

Bulan

BMI

BSM

BRIS

BMS

BSB

Mar-10 10,360,520 15,386,320 2,289,244 3,182,518 1,259,756 Jun-10 10,949,284 17,462,398 3,986,966 3,253,280 1,400,339

Sep-10 11,785,760 18,810,023 4,579,642 3,275,759 1,536,706 Dec-10 13,156,271 20,532,509 4,767,964 3,081,210 1,585,178

Mar-11 14,414,504 22,539,041 4,730,627 2,879,244 1,473,009 Jun-11 17,466,164 25,122,818 5,125,359 2,913,324 1,601,643 Sep-11 17,157,463 26,632,660 5,705,703 3,143,310 1,579,958

Dec-11 18,730,399 28,446,044 7,031,531 3,472,920 1,895,114

Mar-12 22,594,897 29,809,334 7,589,632 3,656,209 1,999,037 Jun-12 22,190,801 33,978,848 8,206,533 3,779,597 2,282,219 Sep-12 24,592,015 32,278,417 8,746,620 4,726,851 2,561,355

Dec-12 29,155,151 35,277,317 9,781,642 5,334,845 2,402,598 Mar-13 31,520,183 10,062,798 10,386,820 6,268,904 2,676,275

Jun-13 34,327,182 10,649,971 11,821,650 6,674,265 2,917,231 Sep-13 40,738,612 40,260,510 12,417,850 6,848,341 3,135,865

Dec-13 37,275,722 41,362,664 13,053,761 6,861,364 3,260,863 Mar-14 10,360,520 40,938,517 12,988,090 6,550,979 3,302,605 Jun-14 10,949,285 40,877,875 13,317,936 6,320,964 3,436,300

Data NPF Bank Muamalat Indonesia Bank Syariah Mandiri, Bank Rakyat

Indonesia Syariah,Bank Mega Syariah, dan Bank Syariah Bukopin Periode

Maret 2010 – Desember 2014 (Dalam Persen)

Bulan

BMI

BSM

BRIS

BMS

BSB

Mar-10 6.59 4.08 3.48 2.98 4.32

Jun-10 4.72 4.13 3.39 3.01 3.84

Sep-10 4.2 4.17 3.37 3.89 4.2

Dec-10 4.32 3.52 3.19 3.52 3.8

Mar-11 4.71 3.3 2.43 4.29 1.57

Jun-11 4.32 3.49 3.4 3.84 1.32

Sep-11 4.53 3.21 2.8 3.78 1.67

Dec-11 2.6 2.42 2.77 3.03 1.74

Mar-12 2.83 2.52 3.31 2.96 3.12

Jun-12 2.73 3.04 2.88 2.88 2.68

Sep-12 2.21 3.1 2.87 2.86 4.74

Dec-12 4,95 2.82 3 2.67 4.57

Mar-13 2.02 3.44 3.04 2.83 4.62

Jun-13 2.28 2.9 2.89 3.67 4.32

Sep-13 2.17 3.4 2.98 3.3 4.45

Dec-13 2,96 4.32 4.06 2.98 4.27

Mar-14 2.11 4.88 4.04 3.22 4.61

Jun-14 3.3 6.46 4.38 3.48 4.31

Sep-14 5.96 6.76 4.79 3.77 4.27

Data EBTP Bank Muamalat Indonesia Bank Syariah Mandiri, Bank Rakyat

Indonesia Syariah,Bank Mega Syariah, dan Bank Syariah Bukopin Periode

Maret 2010 – Desember 2014 (Dalam Jutaan Rupiah)

Bulan

BMI

BSM

BRIS

BMS

BSB

Data ROE Bank Muamalat Indonesia Bank Syariah Mandiri, Bank Rakyat

Indonesia Syariah,Bank Mega Syariah, dan Bank Syariah Bukopin Periode

Maret 2010 – Desember 2014 (Dalam Persen)

Bulan

BMI

BSM

BRIS

BMS

BSB

Mar-10 26.86 53.1 8.64 65.27 8.55 Jun-10 19.63 60.04 5.49 61.27 7.69

Sep-10 11.54 64.83 1.8 37.28 8.02 Dec-10 17.78 63.58 1.28 26.81 9.65

Mar-11 21.93 74.43 1.23 16.43 7.99 Jun-11 21.79 68.22 1.52 18.56 5.94 Sep-11 20.02 67.03 3.18 16.74 4.59

Dec-11 20.79 64.84 1.19 16.89 6.19

Mar-12 26.03 66.56 1.41 47.56 4.47 Jun-12 27.72 68.52 9.98 56.14 4.56 Sep-12 28.57 68.43 11.4 58.76 5.8

Dec-12 15.84 68.09 10.41 57.98 7.32 Mar-13 41.77 70.11 18.63 52.06 11.37

Jun-13 42.32 50.3 14.81 35.62 11.41 Sep-13 41.69 43.49 13.16 29.47 8.83

Dec-13 11.08 44.58 10.2 26.23 7.63 Mar-14 21.77 53.86 4.07 11.99 2.58 Jun-14 15.96 2.17 0.24 9.98 3.33

Sep-14 1.56 24.64 0.49 2.21 2.55

Data Perataan Laba Bank Muamalat Indonesia Bank Syariah Mandiri, Bank

Rakyat Indonesia Syariah,Bank Mega Syariah, dan Bank Syariah Bukopin

Periode Maret 2010 – Desember 2014 (Dalam Jutaan Rupiah)

Bulan

BMI

BSM

BRIS

BMS

BSB

Mar-10 230,308 940,468 98,956 70,303 19,185

Jun-10 259,760 1,028,726 130,237 64,657 21,106 Sep-10 284,303 1,119,735 134,286 73,719 22,606

Dec-10 297,765 951,927 123,349 73,314 26,551

Mar-11 324,901 1,047,263 105,757 77,185 24,762 Jun-11 363,697 1,116,231 111,033 73,314 28,516

Sep-11 405,652 1,085,115 120,088 83,219 28,407 Dec-11 433,424 1,058,180 149,362 86,009 30,106

Mar-12 452,989 1,173,835 180,572 99,492 31,504

Jun-12 479,206 1,252,745 188,059 102,351 37,309 Sep-12 461,733 1,272,330 207,978 129,782 45,047

Dec-12 468,433 1,413,301 239,675 142,455 47,324 Mar-13 501,466 1,533,598 249,288 150,042 48,734

Jun-13 563,587 1,562,894 257,140 177,605 51,537

Sep-13 605,568 1,594,077 253,204 183,402 64,582 Dec-13 733,082 1,676,931 251,398 172,960 68,519

Mar-14 595,829 1,781,819 209,955 99,492 69,105 Jun-14 565,172 1,957,333 245,339 154,556 63,093

Sep-14 871,958 1,906,865 218,405 170,764 64,600

Hasil Uji Asumsi Klasik

a.

Uji Normalitas

Tabel 4.6

One-Sample Kolmogorov-Smirnov Test

Unstandardize

d Residual

N 93

Normal Parametersa,b Mean .0000000

Std.

Deviation .11940260

Most Extreme

Differences

Absolute .059

Positive .059

Negative -.052

Test Statistic .059

Asymp. Sig. (2-tailed) .200c,d

a. Test distribution is Normal.

b. Calculated from data.

c. Lilliefors Significance Correction.

b.

Uji Multikolinieritas

Tabel 4.7

Coefficientsa

Model

Collinearity Statistics

Tolerance VIF

1 (Constant)

Total Financing .210 4.773

NPF .859 1.164

EBTP .164 6.095

ROE .521 1.920

b. Dependent Variable: Perataan Laba

Sumber : Hasil pengelolahan data dari SPSS

c.

Uji Heteroskedastisitas

Tabel 4.9

Model Summaryb 1

Model R R Square

Adjusted R

Square

Std. Error of the

Estimate Durbin-Watson

1 .973a .946 .944 .12853 .556

a. Predictors: (Constant), ROE, NPF, Total Financing, EBTP

b. Dependent Variable: Perataan Laba

e.

Uji Determinasi

Tabel 4.10

Model Summaryb 2

Model R R Square

Adjusted R

Square

Std. Error of the

Estimate

1 .973a .946 .944 .12853

a. Predictors: (Constant), ROE, NPF, Total Financing, EBTP

b. Dependent Variable: Perataan Laba

Hasil Uji Hipotesis

a. Dependent Variable: Perataan Laba

b. Predictors: (Constant), ROE, NPF, Total Financing, EBTP

b.

Uji t

b. Dependent Variable: Perataan Laba