Analisis Pengaruh Rasio Keuangan Terhadap Perubahan Laba dengan Net Interest Margin Sebagai Variabel Moderating pada Bank Umum di Indonesia yang Terdaftar di Bursa Efek Indonesia

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Lampiran 1 : Data Keuangan Bank Umum

Nama Tahun ROA CAR CRR ROE NPL LDR QR GPM NPM NIM BOPO

Perubahan Laba Bank Agroniaga

2010 0.67 14.95 0.91 5.04 8.82 85.68 1.09 0.05 3.82 5.72 21.73 321.05 Bank Agroniaga

2011 1.39 16.39 1.8 9.45 3.55 65.79 1.1 0.13 9.47 4.54 13.52 132.11 Bank Agroniaga

2012 1.63 14.8 1.45 8.88 2.68 82.48 1.09 0.16 10.44 6 2.98 14.42 Bank Agroniaga

2013 1.66 21.6 1.16 6.27 2.27 87.11 1.19 0.17 12.47 5.31 3.55 39.09 Bank Agroniaga

2014 1.7 22.09 1.17 7.34 2.98 89 1.16 0.14 10.43 4.9 4.47 19.23 Bank MNC

Internasional

(BABP) 2010 0.51 12.55 1.32 1.71 4.34 84.96 1.08 0.02 1.47 5.15 4.83 54.85 Bank MNC

Internasional

(BABP) 2011 -1.64 10.12 1.35 -15.3 6.25 84.93 1.08 -0.15 -11.58 5.43 7.9 -812.87 Bank MNC

Internasional

(BABP) 2012 0.09 11.21 1.3 0.15 5.78 79.48 1.1 0.01 0.15 5.44 6.36 -104.81 Bank MNC

Internasional

(BABP) 2013 -0.93 13.09 1.38 -10.7 4.88 80.14 1.09 -0.1 -11.95 4.84 5.53 -1,207.19 Bank MNC

Internasional

(BABP) 2014 -0.58 13.89 1.34 -4.42 5.09 76 1.14 -0.09 -7.17 5.62 5.89 5.25 Bank Capital

Indonesia BACA

2010 0.74 29.29 2.12 4.26 0.99 50.6 1.14 0.08 6.75 3.95 11.03 -0.70 Bank Capital

Indonesia BACA

2011 0.84 21.58 2.35 4.57 0.69 44.24 1.15 0.09 7.21 3.62 3.04 18.14 Bank Capital

Indonesia BACA

2012 1.32 18 1.78 7.25 1.57 59.06 1.13 0.14 11.06 4.66 3.44 82.34 Bank Capital

Indonesia BACA

2013 1.59 20.13 1.67 7.78 0.19 63.35 1.14 0.17 12.72 4.67 7.24 49.20 Bank Capital

Indonesia BACA

2014 0.81 21.54 1.75 7.65 0.67 65.87 1.11 0.12 9.41 4.3 5 5.95 Bank BCA BBCA

2010 3.5 13.5 1.94 24.44 0.6 55.2 1.08 0.52 41.04 5.3 1.3 19.10 Bank BCA BBCA

2011 3.8 12.7 1.71 25.74 0.5 61.7 1.09 0.55 44.03 5.7 1.51 27.84 Bank BCA BBCA

2012 3.6 14.2 1.54 22.58 0.4 68.6 1.11 0.51 24.08 5.6 2.02 7.84 Bank BCA BBCA

2013 3.8 15.7 1.41 22.29 0.4 75.4 1.11 0.52 28.54 6.2 31.07 21.31 Bank BCA BBCA

2014 2.99 16.09 1.39 21.19 0.65 77.8 1.13 0.47 29.61 3.8 10.53 16.42 Bank Bukopin BBKP

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Bank Bukopin BBKP

2014 1.04 18.35 1.33 10.65 2.18 65.9 0.95 0.14 10.25 4.3 2.92 -18.64 BBNI 2010 2.5 14.75 1.66 7.35 4.3 70.15 1.13 0.07 28.07 5.8 2.47 -59.86 BBNI 2011 2 17.6 1.6 15.35 3.6 70.7 1.12 0.36 31.04 6 1.46 439.79 BBNI 2012 2.9 16.7 1.49 16.19 2.8 77.91 1.12 0.39 34.24 5.9 1.51 19.28 BBNI 2013 3.4 15.1 1.39 19 2.2 85.87 1.11 0.43 32.46 6.1 1.54 26.73 BBNI 2014 0.5 15.89 1.26 17.75 1.76 82.54 1.19 0.04 13.91 5.42 1.5 19.92 Bank Nusantara

Parahyangan BBNP

2010 1.5 12.76 1.32 9.21 0.63 80.41 1.09 0.14 10.88 4.91 10.32 53.62 Bank Nusantara

Parahyangan BBNP

2011 1.53 13.45 1.26 11.69 0.78 85.02 1.09 0.15 11.12 4.99 8.54 45.20 Nama Tahun ROA CAR CRR ROE NPL LDR QR GPM NPM NIM BOPO

Perubahan Laba Bank Nusantara

Parahyangan BBNP

2012 1.57 12.17 1.3 12.92 0.58 84.94 1.08 0.16 11.61 5.56 8.9 25.50 Bank Nusantara

Parahyangan BBNP

2013 1.58 15.75 1.26 10 0.45 84.44 1.1 0.16 11.61 5.16 6.52 23.25 Bank Nusantara

Parahyangan BBNP

2014 1.02 16.8 1.24 8.48 0.87 83 1.13 0.12 8.94 5.9 8.49 -8.08 Bank BRI 2010 4.64 13.76 1.58 31.28 2.78 75.17 1.07 0.33 25.71 10.77 2.96 50.72 Bank BRI 2011 4.93 14.96 1.56 30.28 2.3 76.2 1.09 0.39 37.67 9.58 2.32 25.81 Bank BRI 2012 5.15 16.95 1.45 28.8 1.78 79.85 1.1 0.48 35.91 8.42 2.68 27.21 Bank BRI 2013 5.03 16.99 1.3 26.92 1.55 88.54 1.11 0.47 32.29 8.55 2.87 16.98 Bank BRI 2014 3.02 17.45 1.47 24.82 1.49 104.6 1.11 0.41 28.77 9.5 3.37 10.57 BTN 2010 2.05 16.74 1.29 14.21 2.66 108.42 1.1 0.05 14.09 5.99 4.61 -55.18 BTN 2011 2.03 15.03 1.31 15.28 2.23 102.56 1.08 0.2 14.8 5.76 5.31 355.38 BTN 2012 1.94 17.69 1.35 13.27 3.12 100.9 1.09 0.21 15.47 5.83 5.62 22.40 BTN 2013 1.79 15.62 1.2 13.52 3.04 104.42 1.09 0.2 14.49 5.44 5.04 14.90 BTN 2014 9.14 15.76 1.16 9.14 2.8 103.32 1.09 0.12 8.71 6.32 4.52 -27.68 Bank Mutiara BCIC

2010 2.53 11.16 2 28.15 4.84 70.86 1.06 0.03 30.47 1.02 0.12 -11.39 Bank Mutiara BCIC

2011 2.17 9.41 1.33 26 4.46 83.9 1.07 0.23 24.61 1.64 0.91 11.48 Bank Mutiara BCIC

2012 1.06 10.09 1.26 11.7 3.16 82.81 1.08 0.11 11.2 3.13 6.15 -40.78 Bank Mutiara BCIC

2013 -7.58 14.03 1.3 -82.62 3.61 96.31 1.09 -0.84 -85.91 1.67 27.39 -872.47 Bank Mutiara BCIC

2014 -5.22 15.56 1.61 -41.85 2.09 93.21 1.07 -5.58 -55.43 2.53 8.45 499.29 Bank Danamon

BDMN 2010 2.7 16 1.36 16.17 0 93.8 1.17 0.28 34.99 11.3 2.58 68.80 Bank Danamon

BDMN 2011 2.6 17.6 1.36 13.35 0 98.3 1.21 0.07 30 9.9 2.44 -70.95 Bank Danamon

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Bank Danamon

BDMN 2013 2.5 17.9 1.48 13.18 2.4 95.1 1.19 0.07 30 9.6 2.63 0.10 Bank Danamon

BDMN 2014 1.37 18.09 1.52 8.12 1.45 87.32 1.19 0.04 30 8.39 3.32 -36.47 Bank Pundi

Indonesia BEKS

2010 -12.9 41.42 4.06 -34.55 4.03 52.83 1.18 -1.44

-135.22 3.51 4.39 47.65 Bank Pundi

Indonesia BEKS

2011 -4.75 12.02 1.66 -31.79 3.95 66.78 1.07 -0.33 -32.87 8.2 6.71 3.12 Bank Pundi

Indonesia BEKS

2012 0.98 13.27 1.31 7.16 4.81 83.68 1.08 0.05 4.8 16.64 8.29 -139.76 Bank Pundi

Indonesia BEKS

2013 1.23 11.43 1.26 13.41 3.39 88.68 1.08 0.06 0.77 13.04 9.64 50.15 Bank Pundi

Indonesia BEKS

2014 -1.32 12.54 1.31 -18.73 2.76 78.98 1.07 -0.09 -8.82 12.64 7.7 -245.03 Bank QNB Kesawan

(BKSW) 2010 0.17 10.72 1.43 0.68 1.91 71.65 1.06 0.5 0.52 5.13 8.04 4,700.04 Bank QNB Kesawan

(BKSW) 2011 0.46 45.75 1.36 0.57 0.82 75.48 1.32 0.05 1.72 5.34 32.79 -87.47 Bank QNB Kesawan

(BKSW) 2012 -0.81 27.76 1.19 -3.42 0.31 87.37 1.22 -0.1 -8.77 4.63 61.15 -338.56 Bank QNB Kesawan

(BKSW) 2013 0.07 18.73 1.16 0.22 0.1 113.3 1.15 0.01 0.56 2.82 2.52 -114.78 Bank QNB Kesawan

(BKSW) 2014 0.58 19.56 1.23 5.3 0.32 76.43 1.12 0.13 9.9 3.14 2.18 3,082.84 Bank Mandiri 2010 3.4 13.36 1.75 22.55 2.21 65.44 1.08 0.41 27.61 5.39 1.43 29.08 Bank Mandiri 2011 3.38 15.34 1.64 20.26 2.18 71.65 1.1 0.44 33.65 5.29 1.39 18.18 Bank Mandiri 2012 3.54 15.48 1.51 20.96 1.74 77.66 1.11 0.05 37.7 5.58 1.59 24.18 Bank Mandiri 2013 3.54 14.93 1.43 21.21 1.6 82.97 1.11 0.48 37.5 5.68 1 17.35 Bank Mandiri 2014 2.42 15.36 1.48 19.7 1.07 80.98 1.11 0.42 32.97 6.21 1 8.09 Bank Bumi Artha

BNBA 2010 1.52 24.64 1.93 6.21 1.83 53.27 1.17 0.15 11.28 6.1 9.91 -11.20 Bank Bumi Artha

BNBA 2011 2.11 19.96 1.54 8.95 0.5 66.42 1.18 0.22 16.12 6.56 8.24 56.00 Bank Bumi Artha

BNBA 2012 2.47 19.18 1.33 10.93 0 76.97 1.16 0.25 18.33 7.13 6.94 35.87 Bank Bumi Artha

BNBA 2013 2.05 16.59 1.23 9.96 0 80.5 1.15 0.2 14.15 6.61 8.79 1.79 Bank Bumi Artha

BNBA 2014 8.61 17.83 1.29 8.61 0.58 74.09 1.12 0.13 9.76 3.52 8.62 -10.54 Bank CIMB BNGA

2010 2.75 13.47 1.29 18.61 1.92 88.04 1.09 0.27 20.59 6.46 3.18 56.52 Bank CIMB BNGA

2011 2.85 13.16 1.24 17.29 1.46 94.41 1.1 0.3 21.48 5.63 2.31 29.57 Bank CIMB BNGA

2012 3.18 15.16 1.27 18.76 1.11 95.04 1.11 0.36 26.24 5.87 2.23 31.77 Bank CIMB BNGA

2013 2.76 15.36 1.32 16.6 1.55 94.49 1.11 0.33 24.04 5.34 2.48 0.78 Bank CIMB BNGA

2014 1.01 16.23 1.21 8.24 0.47 86.09 1.12 0.15 11.26 4.19 3.21 -45.13 Bank Internasional

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Bank

Internasional

Indo BNII 2011

1.13 11.95 1.38 8.44 1.1 95.07 1.07 0.12 8.25 5.22 2.6 24.76

Bank

Internasional

Indo BNII 2012

1.62 13.13 1.41 12.53 0.81 92.97 1.07 0.18 12.77 5.73 2.74 72.12

Bank

Internasional

Indo BNII 2013

1.71 12.81 1.36 12.66 1.55 93.24 1.08 0.2 14.02 5.2 2.54 28.80

Bank

Internasional

Indo BNII 2014

0.5 13.34 1.33 4.86 0.76 90.37 1.1 0.07 5.32 6.2 3.58 -56.06

Bank Permata

BNLI 2010

1.9 14.1 1.28 12.68 0.7 87.5 1.1 0.21 16.97 5.3 2.83 61.51

Bank Permata

BNLI 2011

1.66 14.07 1.36 12.66 0.55 83.06 1.08 0.2 15.01 5.13 28.4 25.90

Bank Permata

BNLI 2012

1.7 15.86 0.97 10.95 0.41 89.52 1.09 0.21 14.89 5.03 3.77 21.12

Bank Permata

BNLI 2013

1.55 14.28 1.01 12.22 0.31 89.26 1.08 0.19 14.47 4.22 50.47 21.90 Bank Permata BNLI

2014 9.28 14.98 1.28 9.28 0.48 85.54 1.09 0.13 10.21 5.21 6.71 -11.09 Bank India Indo

BSWD 2010 1.9 14.1 1.19 11.01 0.7 87.5 1.24 0.29 20.97 5.3 4 251.11 Bank India Indo

BSWD 2011 1.66 14.07 1.23 14.02 0.55 83.06 1.19 0.37 27.34 5.13 2.8 35.29 Bank India Indo

BSWD 2014 2.04 15.02 1.48 18.94 0.77 84.89 1.12 0.32 24.05 4.63 1.78 29.60 Bank Tabungan

Pensiunan BTPN

2010 4 23.4 1.32 19.84 1.1 91 1.12 0.2 14.97 14 18.72 81.17 Bank Tabungan

Pensiunan BTPN

2011 4.4 20.5 1.37 24.92 0.7 85 1.12 0.24 18.75 13 15.89 57.16 Bank Tabungan

Pensiunan BTPN

2012 4.7 21.5 1.32 25.59 0.6 86 1.13 0.27 21.3 13.1 13.67 40.28 Bank Tabungan

Pensiunan BTPN

2013 4.5 23.1 1.3 21.51 0.7 88 1.15 0.26 19.47 12.7 11.42 15.39 Bank Tabungan

Pensiunan BTPN

2014 2.49 23.65 1.23 15.5 0.98 83.23 1.22 0.21 15.2 16.3 7.09 -12.04 Bank Artagraha Int

INPC 2010 0.76 13.65 1.46 7.93 2 76.13 1.05 0.08 5.56 3.97 7.56 82.51 Bank Artagraha Int

INPC 2011 0.72 12.65 1.38 8.7 1.85 82.21 1.05 0.08 6.5 3.55 3.57 6.97 Bank Artagraha Int

INPC 2012 0.66 16.45 1.22 3.26 0.8 87.42 1.09 0.05 6.76 4.22 11.61 -60.48 Bank Artagraha Int

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Bank Artagraha Int

INPC 2014 0.47 16.67 1.22 4.07 1.45 80.39 1.11 0.08 4.92 4.21 9.27 -39.45 B MayaPada Int

MAYA 2010 1.22 20.4 1.45 5.19 2.01 78.38 1.17 0.1 7.33 6.25 18.77 77.15 B MayaPada Int

MAYA 2012 2.41 10.93 1.27 14.26 2.14 80.58 1.11 0.22 16.84 6 2.7 52.35 B MayaPada Int

MAYA 2014 1.2 15.78 1.28 15.27 0.89 83.12 1.08 0.16 12.22 6.42 7.15 13.87 B WinduKencanaInt

MCOR 2010 1.11 17.9 1.32 5.43 1.12 81.29 1.12 0.11 8.39 4.61 3.24 63.84 B WinduKencanaInt

MCOR 2013 1.74 15.88 1.26 7.56 1.33 82.73 1.13 0.18 12.06 4.87 6.45 -7.27 B WinduKencanaInt

MCOR 2014 0.54 16.39 1.24 4.33 0.98 85.12 1.13 0.08 5.88 5.63 11.45 -39.81 B Mega MEGA 2010 2.45 14.78 2 21.8 0.9 56.03 1.07 0.25 23.27 4.88 2.65 62.48 B Mega MEGA 2011 2.29 11.7 1.82 22.01 0.98 63.75 1.07 0.23 20.68 5.4 2.63 14.43 B Mega MEGA 2012 2.74 19.18 2.21 21.99 1.09 52.39 1.08 0.28 24.68 6.45 2.86 31.45 B Mega MEGA 2013 1.14 16.63 2.03 8.58 2.18 57.41 1.08 0.13 10.79 5.38 3.31 -59.61 B Mega MEGA 2014 1.14 16.63 1.8 8.61 2.18 57.41 1.1 0.12 10.02 5.38 2.5 10.34 B OCBC NISP NISP

2010 1.29 17.63 1.46 0.72 0.94 80 1.09 0.13 9.63 5.04 3.08 -30.03 B OCBC NISP NISP

2011 1.91 13.75 1.31 1.26 0.59 87.04 1.11 0.24 17.88 4.8 2.62 134.84 B OCBC NISP NISP

2012 1.79 16.49 1.35 1.16 0.37 86.79 1.12 0.25 18.59 4.17 2.32 21.51 B OCBC NISP NISP

2013 1.81 19.28 1.34 1.17 0.35 92.49 1.15 0.25 18.58 4.11 2.52 25.16 B OCBC NISP NISP

2014 1.29 19.67 1.32 8.94 0.56 90.21 1.16 0.22 16.85 4.19 3.35 16.15 B Pan Indonesia

PNBN 2010 1.76 16.65 1.72 11.55 2.68 74.22 1.13 0.23 17.28 4.59 1.83 410.63 B Pan Indonesia

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Lampiran 2 : Hasil Output SPSS

UjiFaktor

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .668

Bartlett's Test of

Sphericity

Approx. Chi-Square 564.037

df 45

Sig. .000

Anti-image Matrices

NPM LDR NPL BOPO ROA ROE QR GPM CRR CAR

Anti-image Covariance NPM .139 .031 .054 .019 -.086 -.102 -.100 -.052 .024 .110

LDR .031 .824 .043 -.076 -.082 .003 -.166 .078 .093 .180

NPL .054 .043 .774 .040 .039 -.016 .071 -.037 .070 .082

BOPO .019 -.076 .040 .818 -.039 .055 .015 -.064 .103 -.118

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ROE -.102 .003 -.016 .055 -.047 .200 .092 -.056 -.031 -.099

QR -.100 -.166 .071 .015 .056 .092 .463 -.032 -.008 -.281

GPM -.052 .078 -.037 -.064 -.013 -.056 -.032 .576 .000 .012

CRR .024 .093 .070 .103 .030 -.031 -.008 .000 .945 -.007

CAR .110 .180 .082 -.118 -.031 -.099 -.281 .012 -.007 .378

Anti-image Correlation NPM .667a .092 .163 .056 -.431 -.615 -.394 -.184 .067 .482

LDR .092 .280a .054 -.093 -.169 .008 -.269 .113 .105 .322

NPL .163 .054 .828a .050 .082 -.041 .118 -.055 .082 .152

BOPO .056 -.093 .050 .743a -.081 .137 .025 -.093 .118 -.213

ROA -.431 -.169 .082 -.081 .852a -.196 .153 -.032 .058 -.094

ROE -.615 .008 -.041 .137 -.196 .729a .301 -.165 -.072 -.360

QR -.394 -.269 .118 .025 .153 .301 .382a -.063 -.012 -.673

GPM -.184 .113 -.055 -.093 -.032 -.165 -.063 .924a -.001 .026

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CAR .482 .322 .152 -.213 -.094 -.360 -.673 .026 -.011 .418a

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Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

NPM 130 -135.22 44.03 13.3619 20.65469

NPL 130 .00 8.82 1.7150 1.47107

BOPO 130 .12 61.15 6.6038 8.48076

CRR 130 .91 14.31 1.5320 1.17703

ROA 130 -12.90 9.28 1.7372 2.39909

ROE 130 -82.62 31.28 10.1389 13.79333

GPM 130 -5.58 .55 .1284 .55207

Perubahan_Laba 130 -872.47 499.29 18.9452 151.71034

NIM 130 1.02 16.64 5.9205 2.64012

Valid N (listwise) 130

X1 130 -1.90 3.78 2.4554 1.01952

X2 130 .00 2.97 1.1900 .54881

X3 130 -2.12 4.11 1.4674 .86934

X4 130 -.09 2.66 .3588 .27218

X5 130 -2.66 2.23 .5206 .73505

X6 130 -1.90 3.44 2.1770 1.01065

X7 130 -4.61 .50 -1.6648 .89149

Y 130 -2.30 6.21 2.6250 1.66714

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X1 130 -1.90 3.78 2.4554 1.01952

X2 130 .00 2.97 1.1900 .54881

X3 130 -2.12 4.11 1.4674 .86934

X4 130 -.09 2.66 .3588 .27218

X5 130 -2.66 2.23 .5206 .73505

X6 130 -1.90 3.44 2.1770 1.01065

X7 130 -4.61 .50 -1.6648 .89149

Y 130 -2.30 6.21 2.6250 1.66714

Z 130 .02 2.81 1.6976 .40041

Valid N (listwise) 130

Model

Variables Entered

Variables

Removed Method

1 X7, X2, X3,

X4, X6, X5, X1a

. Enter

a. All requested variables entered.

Model Summaryb

Model R R Square

Adjusted R Square

Std. Error of

the Estimate Durbin-Watson

1 .389a .151 .103 1.57925 1.936

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Model Summaryb

Model R R Square

Adjusted R Square

Std. Error of

the Estimate Durbin-Watson

1 .389a .151 .103 1.57925 1.936

a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1

b. Dependent Variable: Y

ANOVAb

Model Sum of Squares df Mean Square F Sig.

1 Regression 54.265 7 7.752 3.108 .005a

Residual 304.273 122 2.494

Total 358.538 129

a. Predictors: (Constant), X7, X2, X3, X4, X6, X5, X1

b. Dependent Variable: Y

Coefficientsa

Model

Unstandardized Coefficients

Standardized Coefficients

B Std. Error Beta t Sig.

1 (Constant) 1.037 1.022 1.014 .313

X1 .343 .314 .210 1.091 .277

X2 .222 .300 .073 .740 .461

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X4 -.057 .535 -.009 -.106 .915

X5 -.710 .334 -.313 -2.128 .035

X6 .600 .249 .364 2.407 .018

X7 .430 .186 .230 2.305 .023

a. Dependent Variable: Y

Coefficientsa

Model

95.0% Confidence Interval for

B Collinearity Statistics

Lower Bound Upper Bound Tolerance VIF

1 (Constant) -.987 3.061

X1 -.279 .964 .189 5.299

X2 -.372 .816 .714 1.401

X3 -.207 .592 .629 1.590

X4 -1.115 1.002 .913 1.096

X5 -1.371 -.050 .321 3.111

X6 .107 1.093 .305 3.281

X7 .061 .799 .700 1.428

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Charts

One-Sample Kolmogorov-Smirnov Test

Unstandardized Residual

N

130 Normal Parameters

a,,b

Mean

.0000000

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Most Extreme

Differences

Absolute

.039

Positive

.039

Negative

-.030

Kolmogorov-Smirnov Z

.445

Asymp. Sig. (2-tailed)

.989

a. Test distribution is Normal.

b. Calculated from data.

Coefficientsa

Model

t Sig.

B Std. Error Beta

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X1 .152 .179 .168 .847 .399

X2 .317 .171 .189 1.853 .066

X3 .174 .115 .164 1.507 .134

X4 -.130 .305 -.038 -.426 .671

X5 .009 .190 .007 .048 .962

X6 -.214 .142 -.235 -1.505 .135

X7 -.145 .106 -.140 -1.364 .175

a. Dependent Variable: Absut

Variabel Moderating

Coefficientsa

Model

t Sig.

B Std. Error Beta

1 (Constant) 1.719 .058 29.504 .000

Absut -.018 .038 -.041 -.467 .641