Bab V SIMPULAN DAN SARAN
5.2. Saran
5.2.2. Bagi Penelitian Selanjutnya
DAFTAR PUSTAKA
Ascarya (2004)”Akad dan Produk Bank Syariah” Jakarta: Raja Grafindo Persada
Ambarwati, Septiana. 2008. Faktor-Faktor yang Mempengaruhi Pembiayaan Murabahah dan Mudharabah pada Bank Umum Syariah di Indonesia. Tesis PSKTII UI. Diakses dari www.garuda.kemdiknas.go.id
Andraeny, Dita. 2011. Analisis Pengaruh Dana Pihak Ketiga, Tingkat Bagi Hasil, dan Non Performing Financing terhadap Volume Pembiayaan Berbasis Bagi Hasil pada Perbankan Syariah di Indonesia.
Bank Indonesia (2003) “Pedoman” Akuntansi Perbankan Syariah Indonesia (PAPSI), Jakarta, Bank Indonesia
Dharmayanti, Yeasy (2012) “Faktor-Faktor yang Mempengaruhi Volume Pembiayaan Berbasis Bagi Hasil pada Perbankan Syariah di Indonesia.
Dendawijaya, Lukman. 2005. Manajemen Perbankan. Penerbit Ghalia Indonesia. Bogor
Donna, D.R, dan Chotimah. 2008. Variabel-variabel yang Mempengaruhi Pembiayaan pada Perbankan Syariah di Indonesia Ditinjau dari Sisi Penawaran. Jurnal Sosiosains Vol. 2 No. 2, Juni 2008.
Donna, D.R, dan Dumairy. 2006. Variabel-variabel yang Mempengaruhi Permintaan dan Penawaran Mudharabah pada Perbankan Syariah di Indonesia. Jurnal Sosiosains, 19 (4), Oktober 2006
Faikoh, Aeni. 2008. Pengaruh Dana Pihak Ketiga , Non Performing Financing dan Tingkat Bunga Kredit terhadap Volume Pembiayaan Mudharabah pada Perbankan Syariah di Indonesia. Skripsi. Fakultas Ekonomi Universitas Jendral Soedirman. Purwokerto. (Tidak dipublikasikan).
Ghozali, Imam. 2008. Structural Equation Modeling Metode Alternatif dengan Partial Least Square (PLS). Universitas Diponegoro. Semarang.
Giannini, Nur Gilang (2013) “Faktor yang Mempengaruhi Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia.
Harahap,Wiroso,Yusuf (2010)”Akuntansi Perbankan Syariah” Jakarta: LPFE USAKTI
Karim (2004) “Bank Islam Analisis Fiqih dan Keuangan” Jakarta: RajaGrafindo Persada Mooduto,Arie (2012) “Ekonomi Islam Pilihan Mutlak Seorang Mukmin” Jakarta: FE Yarsi
Muhammad (2002, Manajemen Bank Syariah, Yogyakarta, UPP AMP YKPN Muljono, Teguh Pudjo. 1996. Bank Budgeting : Profit Planning and Control.
Winarno, Wing Wahyu, 2011. Analisis Ekonometrika dan Statistika dengan Eviews. UPP STIM YKPN. Yogyakarta
_____ 2013. Statistik Perbankan Syariah. Diakses melalui www.ojk.go.id
_____ Peraturan Bank Indonesia nomor 6/24/PB 1/2004 tertanggal 14 Oktober 2004 tentang Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah
_____ Peraturan Bank Indonesia nomor 4/1/PBI/2002 tanggal 27 Maret 2002 tentang Perubahan Kegiatan Usaha Bank Umum Konvensional menjadi Bank Umum Berdasarkan Prinsip Syariah dan Pembukaan Kantor Bank Berdasarkan Prinsip Syariah oleh Bank Umum Konvensional.
Statistik Deskriptif
LNMDHRBH TBH NPF CAR LNDPK
Mean 12.11876 0.108604 0.003688 0.185625 15.69487
Median 12.34547 0.062800 0.002260 0.140000 15.72466
Maximum 15.41554 0.782400 0.018130 0.640000 17.79798 Minimum 6.423910 0.000000 0.000000 0.110000 13.35812 Std. Dev. 2.113086 0.157323 0.004164 0.104467 1.238899 Skewness -0.822148 2.899349 1.203181 2.381769 0.063790 Kurtosis 3.822661 11.18703 3.914697 9.015710 2.002817 Jarque-Bera 13.52193 402.6097 26.50898 235.5203 4.042600 Probability 0.001158 0.000000 0.000002 0.000000 0.132483
Sum 1163.401 10.42600 0.354030 17.82000 1506.708
Sum Sq. Dev. 424.1874 2.351304 0.001647 1.036763 145.8126
Observations 96 96 96 96 96
Uji Normalitas
0 4 8 12 16 20
-3 -2 -1 0 1 2
Series: Standardized Residuals Sample 2011Q1 2013Q4 Observations 96
Mean 9.25e-16 Median 0.112241 Maximum 2.003675 Minimum -2.888134 Std. Dev. 0.921491 Skewness -0.486498 Kurtosis 3.623943 Jarque-Bera 5.344100 Probability 0.069110
Common
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:43 Sample: 2011Q1 2013Q4 Periods included: 12 Cross-sections included: 8
Total panel (balanced) observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C -6.593528 2.115996 -3.116039 0.0025
TBH -3.202871 0.690737 -4.636887 0.0000
NPF 75.94507 25.88059 2.934441 0.0042
CAR -6.174953 1.355521 -4.555411 0.0000
LNDPK 1.269605 0.122046 10.40265 0.0000
R-squared 0.809827 Mean dependent var 12.11876 Adjusted R-squared 0.801468 S.D. dependent var 2.113086 S.E. of regression 0.941526 Akaike info criterion 2.768048 Sum squared resid 80.66882 Schwarz criterion 2.901608 Log likelihood -127.8663 Hannan-Quinn criter. 2.822035 F-statistic 96.87818 Durbin-Watson stat 0.509452 Prob(F-statistic) 0.000000
Fixed
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:44 Sample: 2011Q1 2013Q4 Periods included: 12 Cross-sections included: 8
Total panel (balanced) observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C -6.688746 4.100703 -1.631122 0.1066
TBH -0.788517 0.538116 -1.465330 0.1466
NPF -45.47632 21.92258 -2.074405 0.0411
CAR 0.065495 1.229024 0.053290 0.9576
LNDPK 1.213689 0.254246 4.773673 0.0000
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.945845 Mean dependent var 12.11876 Adjusted R-squared 0.938753 S.D. dependent var 2.113086 S.E. of regression 0.522948 Akaike info criterion 1.657798 Sum squared resid 22.97184 Schwarz criterion 1.978341 Log likelihood -67.57430 Hannan-Quinn criter. 1.787367
F-statistic 133.3732 Durbin-Watson stat 0.917443 Prob(F-statistic) 0.000000
Likelihood Fixed
Redundant Fixed Effects Tests Equation: Untitled
Test cross-section fixed effects
Effects Test Statistic d.f. Prob.
Cross-section F 30.139676 (7,84) 0.0000
Cross-section Chi-square 120.583975 7 0.0000
Cross-section fixed effects test equation:
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:45 Sample: 2011Q1 2013Q4 Periods included: 12 Cross-sections included: 8
Total panel (balanced) observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C -6.593528 2.115996 -3.116039 0.0025
TBH -3.202871 0.690737 -4.636887 0.0000
NPF 75.94507 25.88059 2.934441 0.0042
CAR -6.174953 1.355521 -4.555411 0.0000
LNDPK 1.269605 0.122046 10.40265 0.0000
R-squared 0.809827 Mean dependent var 12.11876 Adjusted R-squared 0.801468 S.D. dependent var 2.113086 S.E. of regression 0.941526 Akaike info criterion 2.768048 Sum squared resid 80.66882 Schwarz criterion 2.901608 Log likelihood -127.8663 Hannan-Quinn criter. 2.822035 F-statistic 96.87818 Durbin-Watson stat 0.509452 Prob(F-statistic) 0.000000
Uji Haussman
Correlated Random Effects - Hausman Test Equation: Untitled
Test cross-section random effects
Test Summary Chi-Sq.
Statistic Chi-Sq. d.f. Prob.
Cross-section random 25.954263 4 0.0000
Cross-section random effects test comparisons:
Variable Fixed Random Var(Diff.) Prob.
TBH -0.788517 -1.068665 0.017774 0.0356
NPF -45.476323 -25.112098 72.518606 0.0168
CAR 0.065495 -1.015267 0.270989 0.0379
LNDPK 1.213689 1.231959 0.037274 0.9246
Cross-section random effects test equation:
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:46 Sample: 2011Q1 2013Q4 Periods included: 12 Cross-sections included: 8
Total panel (balanced) observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C -6.688746 4.100703 -1.631122 0.1066
TBH -0.788517 0.538116 -1.465330 0.1466
NPF -45.47632 21.92258 -2.074405 0.0411
CAR 0.065495 1.229024 0.053290 0.9576
LNDPK 1.213689 0.254246 4.773673 0.0000
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.945845 Mean dependent var 12.11876 Adjusted R-squared 0.938753 S.D. dependent var 2.113086 S.E. of regression 0.522948 Akaike info criterion 1.657798 Sum squared resid 22.97184 Schwarz criterion 1.978341 Log likelihood -67.57430 Hannan-Quinn criter. 1.787367 F-statistic 133.3732 Durbin-Watson stat 0.917443 Prob(F-statistic) 0.000000
Uji Multikolinearitas
TBH NPF CAR LNDPK
TBH 1.000000 -0.120941 -0.270968 0.455641 NPF -0.120941 1.000000 -0.174589 -0.188170 CAR -0.270968 -0.174589 1.000000 -0.664142 LNDPK 0.455641 -0.188170 -0.664142 1.000000
Uji Heteroskedastisitas
Heteroskedasticity Test: White
F-statistic 3.100982 Prob. F(4,91) 0.0193
Obs*R-squared 11.51578 Prob. Chi-Square(4) 0.0213 Scaled explained SS 13.57557 Prob. Chi-Square(4) 0.0088
Test Equation:
Dependent Variable: RESID^2 Method: Least Squares Date: 01/17/15 Time: 13:57 Sample: 1 96
Included observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C 2.132946 1.259959 1.692870 0.0939
TBH^2 -0.866983 1.326491 -0.653591 0.5150
NPF^2 -3001.799 2568.697 -1.168608 0.2456
CAR^2 3.830824 2.569133 1.491096 0.1394
LNDPK^2 -0.005416 0.004720 -1.147429 0.2542 R-squared 0.119956 Mean dependent var 0.840300 Adjusted R-squared 0.081273 S.D. dependent var 1.368313 S.E. of regression 1.311532 Akaike info criterion 3.430946 Sum squared resid 156.5305 Schwarz criterion 3.564506 Log likelihood -159.6854 Hannan-Quinn criter. 3.484933 F-statistic 3.100982 Durbin-Watson stat 1.205506 Prob(F-statistic) 0.019277
Heteroskedasticity Test: ARCH
F-statistic 22.93436 Prob. F(1,93) 0.0000
Obs*R-squared 18.79309 Prob. Chi-Square(1) 0.0000
Test Equation:
Dependent Variable: RESID^2 Method: Least Squares Date: 01/18/15 Time: 14:51 Sample (adjusted): 2 96
Included observations: 95 after adjustments
Variable Coefficient Std. Error t-Statistic Prob.
C 0.470966 0.148932 3.162283 0.0021
RESID^2(-1) 0.444847 0.092890 4.788983 0.0000 R-squared 0.197822 Mean dependent var 0.843085 Adjusted R-squared 0.189196 S.D. dependent var 1.375299 S.E. of regression 1.238383 Akaike info criterion 3.286317 Sum squared resid 142.6240 Schwarz criterion 3.340083 Log likelihood -154.1001 Hannan-Quinn criter. 3.308043 F-statistic 22.93436 Durbin-Watson stat 1.901512 Prob(F-statistic) 0.000006
Heteroskedasticity Test: ARCH
F-statistic 0.230526 Prob. F(1,92) 0.6323
Obs*R-squared 0.234949 Prob. Chi-Square(1) 0.6279
Test Equation:
Dependent Variable: RESID^2 Method: Least Squares Date: 01/17/15 Time: 13:56 Sample (adjusted): 3 96
Included observations: 94 after adjustments
Variable Coefficient Std. Error t-Statistic Prob.
C 0.278267 0.089204 3.119444 0.0024
RESID^2(-1) 0.050009 0.104158 0.480131 0.6323 R-squared 0.002499 Mean dependent var 0.292956 Adjusted R-squared -0.008343 S.D. dependent var 0.809047 S.E. of regression 0.812415 Akaike info criterion 2.443436 Sum squared resid 60.72165 Schwarz criterion 2.497548 Log likelihood -112.8415 Hannan-Quinn criter. 2.465293 F-statistic 0.230526 Durbin-Watson stat 1.994354
Prob(F-statistic) 0.632274
Uji Autokorelasi
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:43 Sample: 2011Q1 2013Q4 Periods included: 12 Cross-sections included: 8
Total panel (balanced) observations: 96
Variable Coefficient Std. Error t-Statistic Prob.
C -6.688746 4.100703 -1.631122 0.1066
TBH -0.788517 0.538116 -1.465330 0.1466
NPF -45.47632 21.92258 -2.074405 0.0411
CAR 0.065495 1.229024 0.053290 0.9576
LNDPK 1.213689 0.254246 4.773673 0.0000
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.945845 Mean dependent var 12.11876 Adjusted R-squared 0.938753 S.D. dependent var 2.113086 S.E. of regression 0.522948 Akaike info criterion 1.657798 Sum squared resid 22.97184 Schwarz criterion 1.978341 Log likelihood -67.57430 Hannan-Quinn criter. 1.787367 F-statistic 133.3732 Durbin-Watson stat 0.917443 Prob(F-statistic) 0.000000
Auto Regresi
Dependent Variable: LNMDHRBH Method: Panel Least Squares Date: 01/17/15 Time: 13:41 Sample (adjusted): 2011Q2 2013Q4 Periods included: 11
Cross-sections included: 8
Total panel (balanced) observations: 88 Convergence achieved after 16 iterations
Variable Coefficient Std. Error t-Statistic Prob.
C -6.523287 6.220519 -1.048672 0.2977
TBH -0.230335 0.417129 -0.552191 0.5825
NPF -7.839317 20.75675 -0.377676 0.7067
CAR -1.878957 2.321711 -0.809299 0.4209
LNDPK 1.209537 0.382705 3.160497 0.0023
AR(1) 0.582563 0.092555 6.294238 0.0000
Effects Specification Cross-section fixed (dummy variables)
R-squared 0.965366 Mean dependent var 12.14007 Adjusted R-squared 0.959824 S.D. dependent var 2.129639 S.E. of regression 0.426863 Akaike info criterion 1.270896 Sum squared resid 13.66587 Schwarz criterion 1.636867 Log likelihood -42.91945 Hannan-Quinn criter. 1.418337 F-statistic 174.2070 Durbin-Watson stat 1.962985 Prob(F-statistic) 0.000000
Inverted AR Roots .58
Representation
Estimation Command:
=========================
LS(?,CX=F,DERIV=AA) LNMDHRBH C TBH NPF CAR LNDPK AR(1) Estimation Equation:
=========================
LNMDHRBH = C(1) + C(2)*TBH + C(3)*NPF + C(4)*CAR + C(5)*LNDPK + [CX=F] + [AR(1)=C(6)]
Substituted Coefficients:
=========================
LNMDHRBH = -6.52328656129 - 0.230334781518*TBH - 7.83931723667*NPF - 1.87895713189*CAR + 1.20953735977*LNDPK + [CX=F] + [AR(1)=0.58256288246]
Lampiran 1 ln
Mudharabah TBH
NPF
Mudharabah CAR ln DPK BUS
15.34174 0.0332 0.00035 0.11 17.27740 _BSM
15.39828 0.0632 0.00035 0.11 17.32852 _BSM
15.40839 0.0962 0.00035 0.11 17.44844 _BSM
15.41554 0.1286 0.00024 0.14 17.55636 _BSM
15.36068 0.0323 0.00001 0.13 17.56198 _BSM
15.40433 0.0635 0.00002 0.13 17.57035 _BSM
15.41252 0.0951 0.00002 0.13 17.59784 _BSM
15.41461 0.1272 0.00001 0.13 17.65900 _BSM
15.27056 0.0312 0.00017 0.15 17.67875 _BSM
15.32130 0.0593 0.00011 0.14 17.73807 _BSM
15.31167 0.0911 0.00017 0.14 17.79798 _BSM
15.32608 0.1201 0.00022 0.14 17.18052 _BSM
12.51492 0.1810 0.00140 0.12 16.73755 _Muamalat
12.60077 0.3499 0.00140 0.11 16.84518 _Muamalat
12.66461 0.4693 0.00140 0.12 16.92874 _Muamalat
12.75999 0.5959 0.00070 0.12 17.19089 _Muamalat
12.16722 0.0047 0.00036 0.12 17.13013 _Muamalat
12.25618 0.0085 0.00036 0.14 17.15586 _Muamalat
12.33531 0.6756 0.00036 0.13 17.24283 _Muamalat
12.49804 0.7788 0.00036 0.11 17.48984 _Muamalat
12.60018 0.1923 0.00036 0.12 17.50580 _Muamalat
12.72441 0.3746 0.00036 0.13 17.52371 _Muamalat
12.79261 0.5741 0.00036 0.12 17.58899 _Muamalat
12.85957 0.7824 0.00018 0.17 17.62268 _Muamalat
12.71954 0.0432 0.00592 0.21 15.60065 _BRIsyariah
12.81733 0.0705 0.00887 0.19 15.69923 _BRIsyariah
12.86323 0.1042 0.00592 0.18 15.94018 _BRIsyariah
13.16280 0.1252 0.00592 0.14 16.10869 _BRIsyariah
13.40023 0.0252 0.01043 0.14 16.00150 _BRIsyariah
13.46186 0.0542 0.00695 0.13 16.05738 _BRIsyariah
13.56017 0.0786 0.00695 0.12 16.13332 _BRIsyariah
13.73828 0.1005 0.01043 0.11 16.29615 _BRIsyariah
13.76485 0.0275 0.00990 0.11 16.38538 _BRIsyariah
13.98090 0.0446 0.00660 0.15 16.44251 _BRIsyariah
14.05611 0.0633 0.00660 0.14 16.44919 _BRIsyariah
14.10568 0.0869 0.01320 0.14 16.47924 _BRIsyariah
11.40947 0.0293 0.00491 0.26 15.43315 _BNIsyariah
11.73237 0.0448 0.00368 0.22 15.48685 _BNIsyariah
11.79975 0.0653 0.00368 0.20 15.60147 _BNIsyariah
11.72727 0.0974 0.00368 0.20 15.92014 _BNIsyariah
11.51966 0.0278 0.00378 0.19 15.75009 _BNIsyariah
11.45611 0.0651 0.00189 0.17 15.79623 _BNIsyariah
11.57294 0.1008 0.00189 0.16 15.85946 _BNIsyariah
11.69688 0.1390 0.00189 0.14 15.83470 _BNIsyariah
12.95505 0.0212 0.00594 0.14 16.18419 _BNIsyariah
13.06058 0.0443 0.00594 0.19 16.15598 _BNIsyariah
13.15509 0.0700 0.00594 0.16 16.20981 _BNIsyariah
13.20719 0.1005 0.00297 0.16 16.25683 _BNIsyariah
11.39390 0.0228 0.00416 0.32 13.95460 _MegaSyariah
11.22378 0.0411 0.00416 0.33 14.14779 _MegaSyariah
11.36591 0.0392 0.00416 0.31 14.34770 _MegaSyariah
11.82738 0.0277 0.00416 0.3 14.61236 _MegaSyariah
9.66780 0.0371 0.00363 0.29 14.49911 _MegaSyariah
9.78040 0.1391 0.01813 0.23 14.62788 _MegaSyariah
10.11680 0.2158 0.01451 0.25 14.67653 _MegaSyariah
10.28258 0.3070 0.01088 0.21 15.02807 _MegaSyariah
11.83137 0.0242 0.00862 0.2 15.09096 _MegaSyariah
12.01909 0.0392 0.00646 0.18 15.06837 _MegaSyariah
12.16592 0.0576 0.00646 0.17 15.08885 _MegaSyariah
12.19384 0.0814 0.00215 0.17 15.12457 _MegaSyariah
12.16575 0.0312 0.00237 0.12 14.26677 _BJBsyariah
12.17264 0.0624 0.00237 0.17 14.36685 _BJBsyariah
12.23239 0.0876 0.00237 0.17 14.49626 _BJBsyariah
12.25569 0.1133 0.00237 0.15 14.64482 _BJBsyariah
12.04509 0.0312 0.01062 0.14 14.62218 _BJBsyariah
12.37217 0.0442 0.00708 0.13 14.72222 _BJBsyariah
12.70940 0.0474 0.01416 0.12 14.77465 _BJBsyariah
12.89271 0.0539 0.01416 0.12 14.99716 _BJBsyariah
12.35563 0.0355 0.00852 0.12 14.94041 _BJBsyariah
12.50773 0.0725 0.00852 0.11 14.98010 _BJBsyariah
12.60358 0.1086 0.00852 0.11 15.02513 _BJBsyariah
12.52661 0.1684 0.00852 0.11 14.86749 _BJBsyariah
11.57497 0.0403 0.00082 0.15 15.15606 _BukopinSyariah 11.54764 0.0853 0.00061 0.14 15.16317 _BukopinSyariah 11.52625 0.1355 0.00061 0.13 15.24590 _BukopinSyariah 11.91828 0.1365 0.00061 0.12 15.41053 _BukopinSyariah 12.31849 0.0296 0.00034 0.12 15.44960 _BukopinSyariah 12.46564 0.0482 0.00017 0.13 15.42880 _BukopinSyariah 12.58760 0.0645 0.00017 0.11 15.69208 _BukopinSyariah 12.59224 0.0877 0.00034 0.13 15.77426 _BukopinSyariah 12.10205 0.0327 0.00440 0.13 15.79665 _BukopinSyariah
12.25009 0.0608 0.00440 0.13 15.76798 _BukopinSyariah 12.31281 0.0891 0.00660 0.12 15.77662 _BukopinSyariah 12.35773 0.1193 0.00440 0.12 15.86071 _BukopinSyariah
7.95473 0.0053 0 0.64 13.37883 _BCAsyariah
7.85686 0.0074 0 0.61 13.35812 _BCAsyariah
7.79765 0.0123 0 0.51 13.48750 _BCAsyariah
7.29962 0.0101 0 0.45 13.66948 _BCAsyariah
6.87356 0.0021 0 0.44 13.75198 _BCAsyariah
6.58933 0.0041 0 0.41 13.73800 _BCAsyariah
6.51962 0.0044 0 0.34 13.76614 _BCAsyariah
6.42391 0.0049 0 0.31 14.04807 _BCAsyariah
8.91610 0 0 0.3 13.99821 _BCAsyariah
8.82072 0 0 0.27 14.06524 _BCAsyariah
8.83571 0 0 0.24 14.16524 _BCAsyariah
9.16852 0 0 0.22 14.34793 _BCAsyariah
Lampiran 2 Pembiayaan Mudharabah
Tingkat Bagi
Hasil NPF CAR DPK
4600775.316 0.0332 0.0004 0.11 31,877,266
4868408.973 0.0632 0.0004 0.11 33,549,058
4917899.263 0.0962 0.0004 0.11 37,823,467
4953164.81 0.1286 0.0002 0.14 42,133,653
4688785.618 0.0323 0.0000 0.13 42,371,223
4897947.637 0.0635 0.0000 0.13 42,727,170
4938260.008 0.0951 0.0000 0.13 43,918,084
4948576.611 0.1272 0.0000 0.13 46,687,969
4284680.725 0.0312 0.0002 0.15 47,619,185
4507717.935 0.0593 0.0001 0.14 50,529,792
4464520.243 0.0911 0.0002 0.14 53,649,161
4529305.573 0.1201 0.0002 0.14 28,933,702
272369.8224 0.1810 0.0014 0.12 18,579,188
296787.4182 0.3499 0.0014 0.11 20,690,422
316352.6847 0.4693 0.0014 0.12 22,493,490
348011.9019 0.5959 0.0007 0.12 29,235,460
192377.5584 0.0047 0.0004 0.12 27,511,865
210276.7756 0.0085 0.0004 0.14 28,229,124
227591.0492 0.6756 0.0004 0.13 30,793,835
267811.9826 0.7788 0.0004 0.11 39422307
296611.9038 0.1923 0.0004 0.12 40,056,618
335845.8439 0.3746 0.0004 0.13 40,780,470
359550.527 0.5741 0.0004 0.12 43,531,102
384451.3667 0.7824 0.0002 0.17 45022858
334214.7347 0.0432 0.0059 0.21 5960427
368548.4594 0.0705 0.0089 0.19 6,577,958
385860.5554 0.1042 0.0059 0.18 8,370,114
520635.081 0.1252 0.0059 0.14 9,906,412
660155.1063 0.0252 0.0104 0.14 8,899,482
702120.0481 0.0542 0.0070 0.13 9,410,923
774651.2696 0.0786 0.0070 0.12 10,153,407
925678.4159 0.1005 0.0104 0.11 11,948,889
950602.62 0.0275 0.0099 0.11 13,064,181
1179854.61 0.0446 0.0066 0.15 13,832,170
1272017.01 0.0633 0.0066 0.14 13,924,879
1336657.74 0.0869 0.0132 0.14 14,349,712
90171.4209 0.0293 0.0049 0.26 5041153
124538.7418 0.0448 0.0037 0.22 5319279
133218.6812 0.0653 0.0037 0.20 5965281
123904.8219 0.0974 0.0037 0.20 8204072
100675.9588 0.0278 0.0038 0.19 6,921,122
94476.49605 0.0651 0.0019 0.17 7,247,944
106185.2897 0.1008 0.0019 0.16 7,721,027
120196.225 0.1390 0.0019 0.14 7532224
422968.392 0.0212 0.0059 0.14 10683235
470044.971 0.0443 0.0059 0.19 10386112
516631.5 0.0700 0.0059 0.16 10960565
544262.004 0.1005 0.0030 0.16 11,488,209
88778.14252 0.0228 0.0042 0.32 1,149,232
74890.51386 0.0411 0.0042 0.33 1394144
86327.7722 0.0392 0.0042 0.31 1,702,659
136950.5249 0.0277 0.0042 0.3 2,218,533
15800.6223 0.0371 0.0036 0.29 1,980,995
17683.73652 0.1391 0.0181 0.23 2,253,249
24755.40747 0.2158 0.0145 0.25 2,365,563
29219.24752 0.3070 0.0109 0.21 3,362,073
137498.7986 0.0242 0.0086 0.2 3580309
165891.2349 0.0392 0.0065 0.18 3,500,331
192128.3738 0.0576 0.0065 0.17 3,572,770
197569.0131 0.0814 0.0022 0.17 3,702,683
192096.657 0.0312 0.0024 0.12 1,570,284
193424.3653 0.0624 0.0024 0.17 1,735,571
205333.7592 0.0876 0.0024 0.17 1,975,349
210173.9807 0.1133 0.0024 0.15 2,291,738
170260.7844 0.0312 0.0106 0.14 2,240,430
236136.8331 0.0442 0.0071 0.13 2,476,161
330841.7222 0.0474 0.0142 0.12 2,609,448
397405.7175 0.0539 0.0142 0.12 3,259,741
232264.4188 0.0355 0.0085 0.12 3,079,920
270419.2372 0.0725 0.0085 0.11 3,204,602
297621.1162 0.1086 0.0085 0.11 3,352,211
275574.094 0.1684 0.0085 0.11 2,863,305
106401.2331 0.0403 0.0008 0.15 3821143
103532.3231 0.0853 0.0006 0.14 3848390
101341.0449 0.1355 0.0006 0.13 4180325
149983.2954 0.1365 0.0006 0.12 4928442
223795.968 0.0296 0.0003 0.12 5124808
259273.848 0.0482 0.0002 0.13 5019289
292904.202 0.0645 0.0002 0.11 6531083
294267.102 0.0877 0.0003 0.13 7090422
180240.6 0.0327 0.0044 0.13 7251018
209000.925 0.0608 0.0044 0.13 7046031
222529.407 0.0891 0.0066 0.12 7107187
232752.981 0.1193 0.0044 0.12 7730738
2849.005377 0.0053 0 0.64 646179
2583.39005 0.0074 0 0.61 632,931
2434.88536 0.0123 0 0.51 720,357
1479.74317 0.0101 0 0.45 864,135
966.3859839 0.0021 0 0.44 938,446
727.2906624 0.0041 0 0.41 925,413
678.3185142 0.0044 0 0.34 951,829
616.4080874 0.0049 0 0.31 1,261,824
7450.96 0 0 0.3 1,200,456
6773.14 0 0 0.27 1,283,684
6875.44 0 0 0.24 1,418,684
9590.46 0 0 0.22 1,703,049
DAFTAR RIWAYAT HIDUP PENYUSUN SKRIPSI
”Be The Best Version of You. “ DATA PRIBADI Nama : Razka Astrid Jenniaty
Jenis Kelamin : Perempuan
Tempat/Tanggal Lahir : Jakarta, 31 Januari 1993 Status : Belum Menikah
Alamat : Jl. Garuda 3 No. D/12 Komp. Unilever Rempoa Telepon/HP : 021 74717007 / 083875584824
Email : [email protected]
Prestasi:
2014 : Best Division Catalyst Young On Top 2013 : Juara 2 Lomba Fun Accounting Competition 2012 : Semifinalis World Muslimah Beauty
2012 : Best Notes Young On Top “Kebaikan is the only one for my choice”
2005 : Wisudawan Terbaik III Angkatan Ke XII Madrasah Diniyah Al-Karim Bumi Bintaro Permai
2000-2001: Santri Teladan Taman Pendidikan Al-Quran Yayasan Al-Ikhlas Bintaro Jaya
PENDIDIKAN FORMAL
2011-2015 : Indonesia Banking School (Accounting) 2008-2011 : SMA 29 Jakarta
2005-2008 : SMP 12 WIJAYA Jakarta 2003-2005 : SDN GUNUNG 03 PAGI
1998-2003 : AL-AZHAR SYIFA BUDI KEMANG JAKARTA
PENDIDIKAN NON FORMAL
2014-2015: International Language Center (ILC) 2010-2011 : PRIMAGAMA
2008-2009: VISI BIMBINGAN BELAJAR
2003-2005 : MADRASAH DINIYAH AL-KARIM 2000-2003: LIA BAHASA INGGRIS
2000-2001: Taman Pendidikan Al-Quran AL-IKHLAS BINTARO JAYA
PENGALAMAN MAGANG
Agustus 2014 : Internship Bank Mandiri Kantor Area Tangerang Bintaro
Juni 2013 : Internship Bank Indonesia Kantor Perwakilan Bank Indonesia Wilayah VI Jawa Barat dan Banten
PENGALAMAN ORGANISASI
2013-2014 : YOUNG ON TOP CAMPUS AMBASSADOR BATCH 4 (Vice Catalyst Division)
2012-2013 : SENAT MAHASISWA INDONESIA BANKING SCHOOL (Kadiv Penalaran)
2005-2008 : VOCAL GROUP SMA N 29 JAKARTA