Data CAR, ROA, BOPO, NPL, BI Rate dan Kredit Bank Asing
Nama Perusahaan Tahun CAR ROA BOPO NPL BI Rate Kredit
Standard Chartered 2010 14,36 1,49 88,66 0,68 6,50 21.833.493
Citibank 2010 22,70 5,30 71,30 2,80 6,50 26.960.061
Bangkok Bank 2010 49,93 4,17 30,18 0,45 6,50 3.169.840
HSBC 2010 13,19 3,02 82,85 1,28 6,50 24.653.008
Deutsche Bank 2010 25,24 2,75 60,07 0,75 6,50 4.748.318
Bank of Tokyo 2010 34,79 2,47 88,16 0,99 6,50 28.394.531
Standard Chartered 2011 14,10 2,86 80,50 0,66 6,58 25.238.555
Citibank 2011 20,60 4,30 70,97 1,40 6,58 26.444.472
Bangkok Bank 2011 52,75 3,77 39,23 0,51 6,58 4.235.039
HSBC 2011 17,56 3,85 80,72 0,44 6,58 31.492.768
Deutsche Bank 2011 21,36 4,68 72,93 1,68 6,58 4.906.068
Bank of Tokyo 2011 39,96 2,66 77,72 1,29 6,58 40.176.034
Standard Chartered 2012 16,82 2,60 81,98 1,09 5,77 31.218.394
Citibank 2012 23,76 4,12 73,81 0,80 5,77 31.576.972
Bangkok Bank 2012 63,79 2,50 57,02 0,62 5,77 6.910.355
HSBC 2012 17,41 3,65 76,19 0,24 5,77 39.722.296
Deutsche Bank 2012 20,99 3,65 81,83 1,40 5,77 5.933.867
Bank of Tokyo 2012 57,64 2,17 75,92 0,98 5,77 50.575.217
Standard Chartered 2013 14,49 0,42 97,55 0,78 6,48 32.690.216
Citibank 2013 24,50 4,30 85,80 1,50 6,48 39.257.684
Bangkok Bank 2013 67,09 2,75 49,25 0,03 6,48 11.894.111
HSBC 2013 21,37 3,26 82,63 0,22 6,48 51.879.015
Deutsche Bank 2013 26,95 2,93 80,71 1,18 6,48 7.768.260
Bank of Tokyo 2013 75,04 2,71 62,65 0,97 6,48 73.186.959
Standard Chartered 2014 16,87 1,55 92,92 1,11 7,53 29.548.804
Citibank 2014 25,50 5,10 79,73 1,26 7,53 37.345.230
Bangkok Bank 2014 69,16 3,41 41,74 0,49 7,53 15.514.223
HSBC 2014 22,81 2,64 83,40 0,68 7,53 57.190.020
Deutsche Bank 2014 27,02 4,20 72,67 0,91 7,53 9.605.490
Hasil Output Pengolahan Statistik Deskriptif
Hasil Output Uji Normalitas dengan One-Sample Kolmogorov-Smirnov Test
Statistik Deskriptif
N Minimum Maximum Mean Std. Deviation
CAR 30 13.19 77.80 33.1850 20.42209
ROA 30 .42 5.30 3.2033 1.08361
BOPO 30 30.18 97.55 72.5280 16.25927
NPL 30 .03 2.80 .9330 .53591
BIRATE 30 5.77 7.53 6.5720 .57079
KREDIT 30 3.17E6 8.82E7 2.8741E7 2.08005E7 Valid N (listwise) 30
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
N 30
Normal Parametersa Mean .0000000 Std. Deviation 1.50818682E7 Most Extreme Differences Absolute .101
Positive .101
Negative -.079
Kolmogorov-Smirnov Z .555
Asymp. Sig. (2-tailed) .917
Hasil Output Uji Normalitas dengan Grafik Histogram
Hasil Output Uji Multikolinearitas
Hasil Output Uji Heteroskedastisitas
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
Collinearity Statistics
B Std. Error Beta Tolerance VIF
1(Constant) -1.528E8 5.047E7 -3.028 .006
Hasil Output Uji Autokorelasi
Runs Test
Unstandardized Residual Test Valuea 2.16780E6 Cases < Test Value 15 Cases >= Test Value 15
Total Cases 30
Number of Runs 18
Z .557
Asymp. Sig. (2-tailed) .577 a. Median
Hasil Output Analisis Regresi Berganda
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig. B Std. Error Beta
1 (Constant) -1.528E8 5.047E7 -3.028 .006 CAR 992196.044 249271.529 .974 3.980 .001
ROA 5.445E6 3.972E6 .284 1.371 .183
Hasil Output Uji Statistik F
ANOVAb
Model Sum of Squares df Mean Square F Sig. 1 Regression 5.951E15 5 1.190E15 4.330 .006a
Residual 6.596E15 24 2.749E14
Total 1.255E16 29
a. Predictors: (Constant), BIRATE, NPL, CAR, ROA, BOPO b. Dependent Variable: KREDIT
Dependent Variable: Y
Hasil Output Uji Statistik t
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
T Sig. B Std. Error Beta
1 (Constant) -1.528E8 5.047E7 -3.028 .006 CAR 992196.044 249271.529 .974 3.980 .001
ROA 5.445E6 3.972E6 .284 1.371 .183
BOPO 1.422E6 357337.352 1.111 3.978 .001 NPL -7.435E6 7.187E6 -.192 -1.035 .311 BIRATE 5.328E6 5.454E6 .146 .977 .338 a. Dependent Variable: KREDIT
Hasil Uji Koefisien Determinasi
Model Summary
Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .689a .474 .365 1.65786E7
Data Penyaluran Kredit Bank Asing Berdasarkan Jenis Penggunaannya Tahun 2010-2014 (Milyar Rupiah)
Jenis Kredit 2010 2011 2012 2013 2014 Rata-Rata Modal Kerja 76.215 89.789 115.432 158.191 170.863 122.098
Investasi 17.301 26.862 37.028 45.465 51.261 35.583
Konsumsi 19.488 19.834 20.398 21.844 21.907 20.694
Total 113.004 136.485 172.858 225.500 244.031 178.376
Data Persentasi Penyaluran Kredit Bank Asing Berdasarkan Jenis Penggunaanya Tahun 2010-2014
Jenis Kredit 2010 2011 2012 2013 2014 Rata-Rata
Modal Kerja 67,44% 65,79% 66,78% 70,15% 70,01% 68,03% Investasi 15,31% 19,68% 21,41% 21,41% 21% 19,51%
Konsumsi 17,24% 14,53% 11,80% 9,69% 8,98% 12,45%
Penyaluran Kredit UMKM Berdasarkan Kelompok Bank Tahun 2010-2011 (Miliar Rupiah)
Kelompok Bank 2010 2011 2012 2013 2014 Rata-Rata
Bank Persero 343.990 222.645 242.861 304.751 341.804 291.210 BUSN Devisa 363.631 176.925 205.731 217.529 230.998 238.963 BUSN Non Devisa 41.355 17.309 23.260 27.572 30.367 27.973
BPD 126.561 31.314 45.082 46.896 50.837 60.138
Bank Campuran 24.932 6.651 8.750 11.379 13.467 13.036
Bank Asing 26.314 3.320 713 697 4.247 7.058
BPR 33.810 21.722 25.829 31.211 35.420 29.598
Persentasi Penyaluran Kredit UMKM Menurut Kelompok Bank Tahun 2010-2014
Kelompok Bank 2010 2011 2012 2013 2014 Rata-Rata
Bank Persero 35,81% 46,39% 43,98% 47,61% 48,34% 44,43%
BUSN Devisa 37,85% 36,87% 37,25% 33,98% 32,67% 35,73%
BUSN Non Devisa 4,30% 3,61% 4,21% 4,30% 4,29% 4,14%
BPD 13,17% 6,52% 8,16% 7,33% 7,19% 8,48%
Bank Campuran 2,59% 1,39% 1,58% 1,78% 1,90% 1,85%
Bank Asing 2,73% 0,69% 0,13% 0,11% 0,60% 0,85%
BPR 3,52% 4,53% 4,68% 4,88% 5,01% 4,52%
