Saran - pengaruh capital adequecy ratio (car), financing to

BAB V Penutup

5.2 Saran

Beberapa saran yang dapat penulis berikan untuk penelitian selanjutnya yaitu:

1. Penelitian selanjutnya diharapkan mengembangkan penelitian ini dengan menambahkan variabel lainnya yang dapat mempengaruhi Profitabilitas (ROA).

2. Untuk peneliti selanjutnya disarankan dapat memperluas objek penelitian dengan menambahkan BPRS serta UUS sebagai objek.

3. Untuk perusahaan sampel, diharapkan penelitian ini dapat dijadikan acuan agar bisa memperhatikan FDRnya dengan cara meningkatkan modal yang memadai untuk menunjang kegiatan operasionalnya dan cadangan untuk menyerap kerugian yang mungkin terjadi sehingga kinerja keuangan dapat dicapai dengan maksimal.

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80 LAMPIRAN Lampiran A Data Output Hasil Penelitian Fixed Effect (Uji Chow)

Redundant Fixed Effects Tests Equation: Untitled

Test cross-section fixed effects

Effects Test Statistic d.f. Prob.

Cross-section F 1.939508 (8,22) 0.1045

Cross-section Chi-square 19.214165 8 0.0138 Cross-section fixed effects test equation:

Dependent Variable: ROA Method: Panel Least Squares Date: 08/11/17 Time: 18:08 Sample: 2013 2016

Periods included: 4 Cross-sections included: 9

Total panel (balanced) observations: 36

Variable Coefficient Std. Error t-Statistic Prob.

NPF -0.469998 0.030452 -15.43402 0.0000 JIBOR 0.403926 0.141071 2.863285 0.0076 FDR -0.018762 0.012026 -1.560209 0.1292 CAR -0.049344 0.014162 -3.484234 0.0015 BOPO -0.026383 0.003983 -6.624184 0.0000 C 0.035850 0.015407 2.326931 0.0269 R-squared 0.943649 Mean dependent var 0.003828 Adjusted R-squared 0.934257 S.D. dependent var 0.017625 S.E. of regression 0.004519 Akaike info criterion -7.809980 Sum squared resid 0.000613 Schwarz criterion -7.546060 Log likelihood 146.5796 Hannan-Quinn criter. -7.717865 F-statistic 100.4747 Durbin-Watson stat 1.851985 Prob(F-statistic) 0.000000

Uji Hausman

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 9.901244 5 0.0781

Cross-section random effects test comparisons:

Variable Fixed Random Var(Diff.) Prob.

NPF -0.493611 -0.471868 0.000184 0.1088

JIBOR 0.383551 0.401937 0.000296 0.2850

FDR -0.016945 -0.018582 0.000060 0.8322

CAR 0.021792 -0.045888 0.000502 0.0025

BOPO -0.021319 -0.025996 0.000015 0.2287

Cross-section random effects test equation:

Dependent Variable: ROA Method: Panel Least Squares Date: 08/11/17 Time: 18:05 Sample: 2013 2016

Periods included: 4 Cross-sections included: 9

Total panel (balanced) observations: 36

Variable Coefficient Std. Error t-Statistic Prob.

C 0.018772 0.016443 1.141681 0.2659

NPF -0.493611 0.030888 -15.98064 0.0000

JIBOR 0.383551 0.127480 3.008728 0.0065

FDR -0.016945 0.013596 -1.246284 0.2258

CAR 0.021792 0.026262 0.829782 0.4156

BOPO -0.021319 0.005428 -3.927492 0.0007

Effects Specification Cross-section fixed (dummy variables)

R-squared 0.966955 Mean dependent var 0.003828

Adjusted R-squared 0.947428 S.D. dependent var 0.017625 S.E. of regression 0.004041 Akaike info criterion -7.899262 Sum squared resid 0.000359 Schwarz criterion -7.283449 Log likelihood 156.1867 Hannan-Quinn criter. -7.684327 F-statistic 49.51940 Durbin-Watson stat 2.262029 Prob(F-statistic) 0.000000

Uji Normalitas

Uji Multikolinearitas

NPF JIBOR FDR CAR BOPO

NPF 1.000000 -0.140740 0.108168 -0.350752 0.425239 JIBOR -0.140740 1.000000 0.095045 -0.016461 0.064435 FDR 0.108168 0.095045 1.000000 -0.005047 0.166230 CAR -0.350752 -0.016461 -0.005047 1.000000 -0.146971 BOPO 0.425239 0.064435 0.166230 -0.146971 1.000000

0 1 2 3 4 5 6 7 8

-0.005 0.000 0.005

Series: Standardized Residuals Sample 2013 2016

Observations 36 Mean -5.76e-18 Median -0.000487 Maximum 0.008053 Minimum -0.008779 Std. Dev. 0.004190 Skewness -0.053425 Kurtosis 2.474569 Jarque-Bera 0.431242 Probability 0.806041

Uji Autokolerasi

Dependent Variable: ROA

Method: Panel EGLS (Cross-section random effects) Date: 08/11/17 Time: 18:03

Sample: 2013 2016 Periods included: 4 Cross-sections included: 9

Total panel (balanced) observations: 36

Swamy and Arora estimator of component variances

Variable Coefficient Std. Error t-Statistic Prob.

NPF -0.471868 0.027754 -17.00200 0.0000 JIBOR 0.401937 0.126314 3.182036 0.0034 FDR -0.018582 0.011185 -1.661406 0.1070 CAR -0.045888 0.013695 -3.350766 0.0022 BOPO -0.025996 0.003790 -6.858490 0.0000 C 0.034903 0.014094 2.476528 0.0191

Effects Specification

S.D. Rho

Cross-section random 0.001036 0.0616

Idiosyncratic random 0.004041 0.9384

Weighted Statistics

R-squared 0.942992 Mean dependent var 0.003406 Adjusted R-squared 0.933491 S.D. dependent var 0.017142 S.E. of regression 0.004421 Sum squared resid 0.000586 F-statistic 99.24916 Durbin-Watson stat 1.882416 Prob(F-statistic) 0.000000

Unweighted Statistics

R-squared 0.943490 Mean dependent var 0.003828 Sum squared resid 0.000614 Durbin-Watson stat 1.796347

Uji Heteroskedastisitas Dependent Variable: RESID2 Method: Panel Least Squares Date: 08/11/17 Time: 18:01 Sample: 2013 2016

Periods included: 4 Cross-sections included: 9

Total panel (balanced) observations: 36

Variable Coefficient Std. Error t-Statistic Prob.

NPF -0.000176 0.000141 -1.247699 0.2218 JIBOR -0.001281 0.000652 -1.963291 0.0589 FDR 5.63E-05 5.56E-05 1.012946 0.3192 CAR -1.55E-06 6.55E-05 -0.023679 0.9813 BOPO 1.01E-05 1.84E-05 0.550585 0.5860 C 6.67E-05 7.12E-05 0.936501 0.3565 R-squared 0.152774 Mean dependent var 1.71E-05 Adjusted R-squared 0.011570 S.D. dependent var 2.10E-05 S.E. of regression 2.09E-05 Akaike info criterion -18.56299 Sum squared resid 1.31E-08 Schwarz criterion -18.29907 Log likelihood 340.1337 Hannan-Quinn criter. -18.47087 F-statistic 1.081940 Durbin-Watson stat 1.554652 Prob(F-statistic) 0.390292

DESKRIPTIF

ROA NPF JIBOR FDR CAR BOPO

Mean 0.003828 0.028850 0.082675 0.917628 0.180442 0.975531 Median 0.007800 0.027300 0.082050 0.919650 0.164750 0.920950 Maximum 0.020400 0.179100 0.091000 1.047500 0.367000 1.991000 Minimum -0.080900 0.000000 0.075600 0.791900 0.111000 0.813100 Std. Dev. 0.017625 0.029945 0.005564 0.064827 0.057799 0.215540 Skewness -3.370595 3.540051 0.335948 -0.080742 1.733060 3.396434 Kurtosis 16.16287 18.77627 2.017434 2.259343 5.808535 15.34895 Jarque-Bera 328.0570 448.5279 2.125320 0.861974 29.85278 297.9595 Probability 0.000000 0.000000 0.345535 0.649867 0.000000 0.000000 Sum 0.137800 1.038600 2.976300 33.03460 6.495900 35.11910 Sum Sq. Dev. 0.010872 0.031385 0.001083 0.147088 0.116926 1.626010

Observations 36 36 36 36 36 36

Regresi Data Panel Dependent Variable: ROA

Method: Panel EGLS (Cross-section random effects) Date: 08/11/17 Time: 18:03

Sample: 2013 2016 Periods included: 4 Cross-sections included: 9

Total panel (balanced) observations: 36

Swamy and Arora estimator of component variances

Variable Coefficient Std. Error t-Statistic Prob.

Effects Specification

S.D. Rho

Cross-section random 0.001036 0.0616

Idiosyncratic random 0.004041 0.9384

Weighted Statistics

Unweighted Statistics

R-squared 0.943490 Mean dependent var 0.003828 Sum squared resid 0.000614 Durbin-Watson stat 1.796347

Curriculum Vitae

Intan Khairunnisa

Jl. Filodenrum No. 60D RT 06/02 Sukabumi Utara Kebun Jeruk, Jakarta Barat

087781467081

[email protected]

Full Name : Intan Khairunnisa

Sex : Female

Place, Date of Birth : Jakarta, May 11^th 1994 Nationality : Indonesia

Religion : Moslem

Marital Status : Single

Phone, Mobile : 087781467081

Email : [email protected]

PERSONALITIES

Kind, good attitude, faithful, able to work in group, able to work well under pressure.

honest, cooperative, discipline, fast leaner, good interpersonal and communication skill PERSONAL DETAILS

EDUCATIONAL BACKGROUND

Formal Educations

2012 – Present : Sekolah Tingi Ilmu Ekonomi Indonesia Banking School (STIE IBS), Major in Accounting, Jakarta

2009 – 2012 : SMAN 24, Jakarta 2006 – 2009 : SMPN 111, Jakarta 2000 – 2006 : SDIT Al-Chasanah

Non Formal Educations

2005 – 2006 : Primagama

2007 – 2009 : Ganesha Operation

2012 – 2013 : English For Business and Banking, George Manson University

2012 : Basic Activist Training Program (BATPRO), STIE IBS

2012 : Zahir Accounting Application

2013 : Leadership Training, Rindam Jaya

2015 : Mini Banking Training, STIE IBS

2015 : Credit Analyst Training, Basic Treasury Training, Trade Finance Training and Effective Selling Skill Training

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