LAMPIRAN-LAMPIRAN
LAMPIRAN 1
Daftar Perusahaan Sample, Rasio CAR, Rasio NPL dan Penyaluran Kredit
NO BPR NPL CAR/ KPMM Jumlah Penyaluran Kredit (Ribuan Rupiah) Kabupaten Semarang 1 PD. BPR BKK Ungaran 2.46 13.56 149,158,131 2 PT. BPR Agung Sejahtera 17.54 11.21 34,840,417 3 PT. BPR Ambarawa Persada 1.83 25.65 21,856,049
4 PT. BPR Dana Mitra Sentosa 12.25 13.2 12,903,652 5 PT. BPR Inti Ambarawa Sejahtera 4.94 25.35 5,047,111 6 PT. BPR Klepu Mitra Kencana 2.96 19.71 26,858,587 7 PT. BPR Kusuma Palagan Ambarawa 21.3 32.37 6,524,523 8 PT. BPR Mekar Nugraha Klepu 2.4 22.01 25,373,630 9 PT. BPR Mitra Mulia Persada 4.77 23.9 9,326,514
10 PT. BPR Persada Ganda 2.81 15.18 10,655,166
11 PT. BPR Restu Klepu Makmur 1.83 23.8 73,381,012 12 PT. BPR Satria Pertiwi Semarang 6.11 17.24 13,098,170
Kabupaten Kendal
1 PD BPR Kendali Artha 6.67 20.25 53,700,410
2 PD. BPR BKK Boja 6.94 23.21 72,659,901
3 PT BPR Swadharma Makmur Artha Sembada 32.92 15.4 4,558,626 4 PT. BPR Anugerah Harta Kaliwungu 2.18 28.26 5,885,369
5 PT. BPR Artha Kaliwungu 3.64 71.38 8,000,798
6 PT. BPR Arthama Cerah Weleri 8.64 26.35 7,200,528
7 PT. BPR Citra Darian 4.02 15.14 11,170,652
8 PT. BPR Kusuma Rejo 9.74 35.79 6,600,244
9 PT. BPR Kusuma Sari 62.75 6.76 2,813,642
10 PT. BPR Nusamba Cepiring 0.2 13.93 66,382,378
11 PT. BPR Pasar Boja 9.61 12.43 36,532,406
12 PT. BPR Enggal Makmur Adi Santoso 5.52 30.98 6,110,741 13 PT. BPR Sukorejo Menara Mulya 5.24 31.24 3,412,637 14 PT. BPR Weleri Jayapersada 4.27 26.68 5,057,156 Kabupaten Demak 1 PD. BPR BKK Demak Kota 4.09 34.22 64,526,977 2 PT. BPR Artamas 3.32 13.59 12,257,084 3 PT. BPR Arthanugraha Makmursejahtera 3.36 31.97 5,526,477 4 PT. BPR Karticentra Artha 25.67 26.27 2,616,243
5 PT. BPR Kusuma Langgeng 2.89 58.83 6,334,120 6 PT. BPR Mranggen Mitrapersada 0.68 12.15 31,028,302 7 PT. BPR Restu Mranggen Makmur 2.85 29.06 24,256,785 8 PT. BPR Sindhur Arta Mulia Kencana 6.22 40.48 2,341,115 9 PT. BPR Swadharma Mranggen 3.53 26.52 11,186,296 Kabupaten Grobogan 1 PD. BPR BKK Purwodadi 8.21 23.93 225,651,442 2 PT. BPR Purwa Artha 11.5 76.8 23,210,602 3 PT. BPR Semeru 8.39 12.97 14,075,993 4 PT. BPR Wirosari Ijo 4.56 11.99 40,815,380 Kabupaten Pekalongan 1 PD. BPR BKK Karanganyar 2.37 13.64 140,240,202 Kabupaten Tegal
1 PD BPR Bank Tegal Gotong Royong 9.6 25.15 18,854,556
2 PD. BPR BKK Talang 7.28 33.3 33,355,289 3 PT. BPR Arismentari Ayu 16.79 24.03 6,728,758 4 PT. BPR Artha Kramat 7.55 23.88 6,798,569 5 PT. BPR Arthapuspa Mega 3.11 9.4 23,510,842 6 PT. BPR Bumi Sediaguna 5.78 26.52 5,846,286 7 PT. BPR Dhana Adiwerna 4.49 16.13 10,917,210
8 PT. BPR Mega Artha Mustika 2 15.3 19,313,588
9 PT. BPR Nusamba Adiwerna 1.84 11.42 36,840,067 10 PT. BPR Nusumma Jateng 11.92 10.1 20,377,909 11 PT. BPR Sahabat Tata 3.52 42.25 5,140,559 Kabupaten Brebes 1 PD. BPR BKK Banjarharjo 5.05 38.4 25,197,488 2 PD. BPR Puspakencana 10 34.94 31,038,096 3 PT. BPR Arisma Mandiri 6.44 64.44 1,820,508 4 PT. BPR Eleska Artha 15.11 42.74 1,597,385 5 PT. BPR Jatibarang Sediaguna 4.9 24.13 6,905,426 Kabupaten Pati 1 KOP. BPR Wedariyaksa 3.73 20.32 26,525,398
2 PD BPR Bank Daerah Pati 1.33 16.39 100,890,964
3 PD. BPR BKK Pati Kota 13.12 6.73 90,675,268
4 PT BPR Mitra Pati Mandiri 3.42 15.63 17,251,158 5 PT. BPR Artaperdana Delta Sentosa 5.95 19.93 7,135,004
6 PT. BPR Artha Huda Abadi 4.09 11.8 37,882,607
8 PT. BPR Juwana Arthasurya 19.09 12.24 2,449,969
9 PT. BPR Kusuma Arta Rini 5.13 34.29 5,409,907
10 PT. BPR Sungkunandhana 2.26 19.58 21,276,040
11 PT. BPR Tayu Dutapersada 0.09 22.55 20,456,898
Kabupaten Kudus
1 PD. BPR BKK Jati Kudus 15.78 12.41 47,884,941
2 PD. BPR BP Kab. Kudus 4.58 26.19 29,970,740
3 PT BPR Mitra Budikusuma Mandiri 5.92 14.44 12,077,186
4 PT. BPR Catur Artha Jaya 5.89 9.74 19,452,688
5 PT. BPR Dananta 6.08 24.33 5,566,600
6 PT. BPR Hartha Muriatama 4.61 12.21 16,666,442
7 PT. BPR Taruna Adidaya Santosa 12.03 21.47 6,884,388
Kabupaten Pemalang
1 PD. BPR Bank Pemalang 13.43 33.93 25,885,998
2 PT. BPR Hidup Artha Putra 2.28 13.47 19,733,369 3 PT. BPR Panasayu Arthalayan Sejahtera 30.91 22.26 7,057,875
Kabupaten Jepara
1 PD. BPR BKK Jepara Kota 2.07 25.32 57,566,036
2 PD. BPR Jepara Artha 1.99 21.91 117,609,392
3 PT. BPR Nusamba Pecangaan Jepara 1.41 15.56 36,956,551
Kabupaten Rembang 1 PD. BPR BKK Lasem 4.07 14.06 181,475,041 2 PD. BPR BP Kab. Rembang 2.77 12.61 17,530,133 Kabupaten Blora 1 PD. BPR BKK Blora Kota 9.4 0 88,962,423 2 PD. BPR BP Kab. Blora 4.31 24.44 13,361,605 3 PT BPR Cepu Nasionalbank 10.37 15.05 5,443,087 4 PT. BPR Dhana Mitratama 4.58 30.48 4,461,874 5 PT. BPR Dutabhakti Insani 1.78 11.82 36,164,706 Kabupaten Banyumas 1 PD. BPR BKK Purwokerto Utara 2.97 24.5 232,046,133 2 PT. BPR Artha Mekar Sokaraja 0.38 25.07 38,973,683
3 PT. BPR Dana Mitra Sakti 2.44 31.68 4,588,560
4 PT. BPR Danamitra Sokaraja 14.29 29.11 10,548,108 5 PT. BPR Gunung Simping Artha 0.04 28.91 112,500,036 6 PT. BPR Sahabat Purwokerto 12.93 17.01 11,736,719
Kabupaten Cilacap 1 PD. BPR BKK Cilacap Tengah 3.01 20.46 125,734,631 2 PT. BPR Artha Rahayu 6.41 10.1 9,284,486 3 PT. BPR Banyu Arthacitra 0.47 17.67 18,535,641 4 PT. BPR Citanduy Artha 0.1 52.07 19,535,786 5 PT. BPR Gunung Slamet 0.15 31.88 236,091,003 6 PT. BPR Kroya Bangunartha 1.7 16.68 22,929,370 Kabupaten Purbalingga 1 PD. BPR BKK Purbalingga 2.85 15.76 178,639,415 2 PT. BPR Artha Perwira 2.11 21 38,880,315 Kabupaten Banjarnegara 1 PD. BPR BKK Mandiraja 5.66 22.88 126,494,213 2 PT. BPR Surya Y.kencana 4.23 16.11 637,391,521 Kabupaten Magelang 1 PD. BPR BAPAS 69 1.12 22.17 245,026,248 2 PD. BPR BKK Muntilan 4.84 34.65 43,269,219 3 PT BPR Dwiartha Sagriya 6.68 13.59 12,570,602 4 PT BPR Niji 8.62 29.96 3,848,735 5 PT. BPR Artha Mertoyudan 1.03 26.29 123,386,664 6 PT. BPR Artha Sambhara 2.68 16.74 43,909,310 7 PT. BPR Hidup Arthagraha 1.62 11.24 114,260,516 8 PT. BPR Kembang Parama 12.69 14.13 55,972,034
9 PT. BPR Lumbung Artha Muntilanindo 2.78 16.64 16,399,160
10 PT. BPR Mulyo Lumintu 7.73 20.48 9,360,758
11 PT. BPR Prima Mertoyudan Sejahtera 8.9 29.52 12,701,484
Kabupaten Temanggung 1 PD. BPR BKK Temanggung 4.44 23.63 60,865,449 2 PD. BPR BP Kab. Temanggung 1.14 15.18 143,765,037 3 PT. BPR Intan Surya 6.61 17.42 11,905,891 4 PT. BPR Kedu Arthasetia 4.36 13.74 17,447,303 5 PT. BPR Kusuma Sumbing 3.18 8.07 30,153,697 6 PT. BPR Multi Arthanusa 6.91 13.48 8,979,088 7 PT. BPR Suryakusuma Kranggan 4.18 21.95 5,441,859 Kabupaten Wonosobo 1 PD BPR Bank Wonosobo 2.85 15.73 56,741,361 2 PD. BPR BKK Wonosobo 8.66 35.96 28,907,328
3 PT. BPR Artha Selomanik Putra 46.38 216.33 7,463,924
5 PT. BPR Surya Yudha 3.55 17.02 142,533,395 Kabupaten Purworejo 1 PD BPR Bank Purworejo 0.19 27.01 45,917,758 2 PD. BPR BKK Purworejo 7.29 11.88 62,196,735 Kabupaten Kebumen 1 PD. BPR BKK Kebumen 6.59 15.09 174,351,881 2 PD. BPR Kebumen 5.4 15.42 44,445,679 3 PT. BPR Artha Mitragombong 7.29 33.79 8,189,072 4 PT. BPR Danamitra Sejahtera 5.65 15.32 11,169,469 5 PT. BPR Gunung Merapi Kebumen 10.21 19.19 2,391,398 6 PT. BPR Sinararta Sejahtera 0.46 10.33 24,000,723 Kabupaten Klaten 1 KOP. BP Patma 7.17 30 3,923,818 2 KOP. BPR Ceper 12.54 0 2,889,077 3 PD BPR Bank Klaten 9.22 45.66 77,946,599 4 PD. BPR BKK Pedan 4.6 42.38 7,260,433 5 PD. BPR BKK Tulung 4.87 19.76 25,813,922 6 PT BPR Artha Daya 7.37 32.13 11,575,423
7 PT BPR Hardi Mas Mandiri 27.14 28.25 2,543,741
8 PT BPR Ukabima BMMS 9.15 21.14 5,038,733
9 PT BPR Wuni Artha Utama 1.35 28.49 6,370,034
10 PT. BP Gunung Lawu 3.59 43 2,761,809
11 PT. BPR Bhakti Riyadi Wedi 1.44 20.44 8,707,822
12 PT. BPR Danamas Pratama 4.34 10.18 10,453,661
13 PT. BPR Delanggu Raya 5.53 25.03 8,393,501
14 PT. BPR Gunung Mas 13.77 16.7 6,913,594
15 PT. BPR Klaten Sejahtera 5.3 10.29 17,984,668
16 PT. BPR Kusuma Danaraja 36.31 26.49 4,557,159
17 PT. BPR Restu Klaten Makmur 1.19 25.71 16,400,139
18 PT. BPR Shinta Bhakti Wedi 3.61 12 37,242,207
19 PT. BPR Sinarenam Permai Delanggu 51.87 10.65 1,645,485
Kabupaten Boyolali
1 PD. BPR BKK Boyolali Kota 4.99 28.02 103,011,491 2 PD. BPR Kabupaten Dati II Boyolali 1.35 36.16 92,369,550 3 PT BPR Mitra Pandanaran Mandiri 5.69 17.38 12,279,781
4 PT. BPR Arthayasa Ageng 5.92 20.44 5,947,330
5 PT. BPR Bank Desa Guna Daya 7.02 13.78 46,937,229
7 PT. BPR Yekti Insan Sembada 47.24 23.95 7,005,864
Kabupaten Sragen
1 PD. BPR BKK Karangmalang 2.3 0 221,894,175
2 PD. BPR Djoko Tingkir 8.69 37.7 41,044,456
3 PT BPR Mitra Banaran Mandiri 2.89 20.83 13,089,408 4 PT. BPR Gemolong Artha Mulyo 16.31 48 2,469,477 5 PT. BPR Ghadira Danamulia 13.06 55.83 1,949,898 6 PT. BPR Sukowati Jaya 2.03 15.32 8,747,441 7 PT. BPR Sumber Arta 2.12 62.96 5,134,237 Kabupaten Sukoharjo 1 PD. BPR BKK Baki 4.62 33.88 8,606,330 2 PD. BPR BKK Bendosari 1.81 36.64 7,639,384 3 PD. BPR BKK Grogol 11.78 21.12 21,604,562 4 PD. BPR BKK Mojolaban 2.3 42.72 4,810,832 5 PT BPR Surya Utama 9.56 13.14 4,255,192
6 PT. BPR Artha Sari Sentosa 1.28 0 29,527,660
7 PT. BPR Bekonang Sukoharjo 4.11 19.7 5,855,904
8 PT. BPR Grogol Joyo 9.77 28.03 8,043,760
9 PT. BPR Ihuthan Ganda 2.55 20.77 11,268,164
10 PT. BPR Jadi Manunggal Abadi 35.2 39.3 2,590,350
11 PT. BPR Kartadhani Mulya 10.78 151 10,747,054
12 PT. BPR Kartasura Makmur 3.58 12.86 11,148,609
13 PT. BPR Kartasura Saribumi 3.45 15.91 136,153,146
14 PT. BPR Restu Artha Abadi 7.97 8.47 6,372,015
15 PT. BPR Sami Makmur d/h Pajang Raya 6.31 37.99 3,814,857 16 PT. BPR Sinarguna Sejahtera 10.87 17.48 5,318,820
17 PT. BPR Solobaru Permai 6.62 35.41 7,745,112
18 PT. BPR Tugu Kencana 2.46 20.74 6,520,241
19 PT. BPR Wira Ardana Sejahtera 13.16 34.93 1,658,478
Kabupaten Karanganyar
1 PD BPR Bank Karanganyar 7.89 24.83 72,919,452
2 PD. BPR Bank Daerah Karanganyar 3.46 27.68 151,700,084
3 PD. BPR BKK Tasikmadu 6.06 24.91 63,438,139
4 PT BPR Arta Mas Surakarta 15.99 17.24 6,836,509 5 PT. BPR Antar Rumeksa Arta 18.62 21.65 6,425,406 6 PT. BPR Bina Sejahtera Insani 4.09 10.99 61,928,136 7 PT. BPR Buana Artha Lestari 9.9 44.24 1,332,777
8 PT. BPR Cita Dewi 11.69 10.4 11,015,005
10 PT. BPR Kandimadu Arta 3.77 11.84 11,892,235
11 PT. BPR Lawu Artha 3.81 29.27 4,130,069
12 PT. BPR Pura Artha Kencana Jatipuro 3.36 17.23 7,979,801
13 PT. BPR Tawangmangu Jaya 1.66 33.31 4,216,288
14 PT. BPR Trihasta Prasodjo 9.31 19.72 18,977,389
Kabupaten Wonogiri
1 PD. BPR BKK Wonogiri Kota 4.95 27.67 126,778,421
2 PD. BPR Giri Suka Dana 2.05 51.96 14,667,744
3 PT. BPR Gajah Mungkur d/h Tunggal Dara 1.72 34.26 9,202,080
Kabupaten Batang
1 PD. BPR BKK TPI Klidang Lor 4.55 23.82 59,064,904 2 PT. BPR Limpungarta Utama 1.13 27.16 33,103,748
Kota Semarang
1 Pd. BPR Bank Pasar Kota Semarang 2.21 32.06 11,829,834 2 PD. BPR BKK Semarang Tengah 5.73 24.65 77,790,154
3 PT BPR Arto Moro 2.22 24.54 11,101,096
4 PT. BP Gunung Merbabu 2.1 47.31 9,820,448
5 PT. BPR Adil Jaya Artha 8.96 15.29 15,958,315
6 PT. BPR Artha Mukti Santosa 3.4 18.96 23,911,234 7 PT. BPR Estetika Artha Guna 6.29 80.44 5,885,755
8 PT. BPR Gunung Kawi 9.15 13.15 33,847,712
9 PT. BPR Gunung Kinibalu 10.77 44.23 20,286,688
10 PT. BPR Jateng 7.62 12.84 34,201,415
11 PT. BPR Kedung Arto 1.19 10.32 61,213,506
12 PT. BPR Kusuma Makmur 36.62 46.09 2,121,843
13 PT. BPR Mandiri Artha Abadi 4.51 11.23 145,826,388
14 PT. BPR Rudo Indobank 16.12 15.04 122,127,188
15 PT. BPR Semarang Margatama Gunadama 0.36 32.35 17,599,277 16 PT. BPR Setia Karib Abadi 19.76 21.86 19,874,186
17 PT. BPR Weleri Makmur 7.61 14.46 149,126,762
Kota Salatiga
1 PD BPR Bank Salatiga 2.73 28.86 86,713,286
2 PT. BPR Dinamika Bangun Arta 9.64 13.66 10,976,853 3 PT. BPR Krida Harta Salatiga 16.95 16.96 11,713,678
Kota Pekalongan
1 PD. BPR BKK Pekalongan Barat 10.82 34.33 12,308,533 2 PD. BPR BP Kota Pekalongan 20.89 51.67 19,995,970 3 PT BPR Sejahtera Artha Sembada 1.03 12.29 13,540,627
Kota Tegal 1 PD. BPR BKK Margadana 13.5 38.72 10,611,374 2 PD. BPR BP Kota Tegal 26.81 19.78 7,318,591 3 PT BPR Central Artha 1.97 11.46 17,702,908 Kota Magelang 1 PD BPR Bank Magelang 1.72 40.93 58,395,119 2 PD. BPR BKK Magelang Utara 8.71 51.88 8,210,321 3 PT. BPR Mertoyudan Makmur 18.46 40 5,403,421 4 PT. BPR Mitra Mertoyudan 3.29 23.03 24,816,533 Kota Surakarta 1 PD.BPR Bank Solo 0.51 25.33 39,810,410 2 PT BPR Central International 2.81 17.35 29,426,642 3 PT BPR Usaha Madani Karya Mulia 31.08 30.26 3,043,073 4 PT. BPR Binalanggeng Mulia 2.06 14.38 39,564,858 5 PT. BPR Dana Utama 7.7 33.73 5,238,117 6 PT. BPR Nguter Surakarta 3.19 9.19 75,328,358 7 PT. BPR Rejeki Insani 2.68 9 71,098,398 8 PT. BPR Sabar Arthapalur 4.08 22.96 28,109,326 9 PT. BPR Sukadana 1.85 24.81 10,384,019 10 PT. BPR Sukadyarindang 0.88 23.06 5,477,619 11 PT. BPR Suryamas 12.57 13.29 7,219,997 Lampiran 2
UJI ASUMSI KLASIK
Va ria ble s Ente re d/Re move db
CAR, NPLa . Enter Model 1 Variables Entered Variables Removed Method
All requested variables entered. a.
Dependent Variable: Kredit b. Model Summaryb .229a .053 .045 59889498.9 2.058 Model 1 R R Square Adjusted R Square Std. Error of the Estimate Durbin-Watson Predictors: (Constant), CAR, NPL
a.
Dependent Variable: Kredit b.
ANOVAb 4.8E+016 2 2.419E+016 6.746 .001a 8.7E+017 243 3.587E+015 9.2E+017 245 Regression Residual Total Model 1 Sum of
Squares df Mean Square F Sig.
Predictors: (Constant), CAR, NPL a.
Dependent Variable: Kredit b. Coefficientsa 6E+007 6685097 8.357 .000 -1250411 445794.8 -.179 -2.805 .005 .959 1.043 -351821 200872.6 -.112 -1.751 .081 .959 1.043 (Constant) NPL CAR Model 1 B Std. Error Unstandardized Coefficients Beta Standardized Coefficients t Sig. Toleranc e VIF Collinearity Statistics
Dependent Variable: Kredit a. Coefficient Correlationsa 1.000 -.203 -.203 1.000 4E+010 -2E+010 -2E+010 2E+011 CAR NPL CAR NPL Correlations Covariances Model 1 CAR NPL
Dependent Variable: Kredit a. Collinearity Diagnosticsa 2.380 1.000 .05 .07 .05 .414 2.396 .07 .90 .19 .206 3.403 .88 .03 .75 Dimension 1 2 3 Model 1 Eigenvalue Condition
Index (Constant) NPL CAR Variance Proportions
Dependent Variable: Kredit a.
Residuals Statisticsa
-8E+007 5E+007 4E+007 14053819.83 246
-8.231 1.197 .000 1.000 246
3820231 4E+007 5610602 3508857.170 246
-1E+008 5E+007 4E+007 16704762.58 246
-4E+007 6E+008 .00000 59644551.05 246 -.688 9.893 .000 .996 246 -.690 9.919 .002 1.002 246 -4E+007 6E+008 301565.8 60527451.64 246 -.689 12.832 .016 1.133 246 .001 102.714 1.992 8.002 246 .000 .869 .006 .056 246 .000 .419 .008 .033 246 Predicted Value Std. Predicted Value Standard Error of Predicted Value
Adjusted Predicted Value Residual
Std. Residual Stud. Residual Deleted Residual Stud. Deleted Residual Mahal. Distance Cook's Distance
Centered Leverage Value
Minimum Maximum Mean Std. Deviation N
Dependent Variable: Kredit a.
NPar Test
Regression Standardized Predicted Value
2 0 -2 -4 -6 -8 -10 Regres sio n St uden tize d R esi dual 10 8 6 4 2 0 -2 Scatterplot
Dependent Variable: Kredit
One-Sample Kolmogorov-Smirnov Test
246 .0000000 59644551.05 .251 .228 -.251 3.944 .000 N Mean Std. Deviation Normal Parametersa,b
Absolute Positive Negative Most Extreme Differences Kolmogorov-Smirnov Z Asymp. Sig. (2-tailed)
Unstandardiz ed Residual
Test distribution is Normal. a.
Calculated from data. b.
Regression Standardized Residual
10 8 6 4 2 0 -2 Frequency 120 100 80 60 40 20 0 Histogram
Dependent Variable: Kredit
Mean =1.43E-16 Std. Dev. =0.996
LAMPIRAN 3 UJI REGRESI
Regression
Model Summary .229a .053 .045 59889498.9 Model 1 R R Square Adjusted R Square Std. Error of the Estimate Predictors: (Constant), CAR, NPLa. ANOVAb 4.8E+016 2 2.419E+016 6.746 .001a 8.7E+017 243 3.587E+015 9.2E+017 245 Regression Residual Total Model 1 Sum of
Squares df Mean Square F Sig.
Predictors: (Constant), CAR, NPL a.
Dependent Variable: Kredit b. Coefficientsa 6E+007 6685097 8.357 .000 -1250411 445794.8 -.179 -2.805 .005 -351821 200872.6 -.112 -1.751 .081 (Constant) NPL CAR Model 1 B Std. Error Unstandardized Coefficients Beta Standardized Coefficients t Sig.
Dependent Variable: Kredit a.
DAFTAR RIWAYAT HIDUP
Nama : Wadonna Luzatty
Nim : 232008104
Alamat Asal : JL. Parasamya IX/71 Perumda Ungaran
Judul Skripsi : ANALISIS PENGARUH NPL (NON PERFORMING
LOAN) DAN CAR (CAPITAL ADEQUACY RASIO)
TERHADAP PENYALURAN KREDIT PADA BPR KONVENSIONAL DI WILAYAH JAWA TENGAH PERIODE DESEMBER 2011
Riwayat Pendidikan : SD Negeri Gedanganak 2 Ungaran, Lulus tahun 2002 SMP Negeri 1 Ungaran, Lulus Tahun 2005
SMA Negeri 1 Ungaran, Lulus Tahun 2008
Riwayat Seminar : Kuliah Umum “The Essence Of Brand” 18 Februari 2009. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Nasional Akuntansi “Seminar Nasional Akuntansi dan Audit Usaha Kecil Menengah” dan Workshop “Implementasi Good Corporate
Government pada Usaha Kecil Menengah”. 2 April 2009. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Enterprenership 2009, 10 November 2009, , Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Nasional Akuntansi “ Arsitektur Standar Keuangan di Indonesia dan Workshop Implementasi
International Financial Reporting Standard”, 1 April
2009, Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Kerohanian, “Keluargaku penting nggak sih?”, 14 April 2009, Campus Ministry, Balairung
Utama UKSW
National Seminar On Accounting 2011, “Peran
Akuntansi dalam Pemberantasan Korupsi”, 28 April 2010, Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Kuliah Umum “Asuransi Sebagai Pilihan Investasi”. 10 Februari 2010. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Budaya Penyimpangan Moralitas
(Pandangan Dari segi Budaya, Kesehatan dan Sosial). 11 Mei 2010. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Workshop Forex, 18 Januari 2011
Kuliah Tamu “Kebijakan BBM”. 6 Februari 2012. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Riwayat Berorganisasi : Panitia Gebyar Teater Tilar 28 April
Satgas Learning and Doing with LSM Truka Jaya 2010 “Accounting Goes to Village”
