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Team project ©2017 Dony Pratidana S. Hum | Bima Agus Setyawan S. IIP
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LAMPIRAN II
Data Variabel Dependen
Return On Assets (ROA)
TAHUN KODE
PERUS
AHAA
N
LABA SEBELUM
PAJAK
TOTAL ASET 2010 TOTAL ASET 2011 RATA-RATA ASET
ROA
2013 AGRO
71,589,231,000
4,040,140,235,000
5,124,070,015,000
4,582,105,125,000 0.015624
2013 BABP
(66,541,664,000)
7,433,803,459,000
8,165,865,135,000
7,799,834,297,000 (0.008531)
2013 BAEK
324,728,000,000
25,365,299,000,000
28,750,162,000,000
27,057,730,500,000 0.012001
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN III
Data Variabel Independen
Capital Adequacy Ratio (CAR)
TAHUN KODE
PERUSAHAAN
MODAL INTI MODAL
PELENGKAP
TOTAL
MODAL
ATMR
RESIKO
KREDIT
ATMR
RESIKO
OPERASIONAL
ATMR
RESIKO
PASAR
TOTAL ATMR
CAR
2013 AGRO
799,925,492,000
43,281,724,000
843,207,216,000
3,462,537,906,000
345,846,025,000
95,629,000,000
3,904,012,931,000 0.215985
2013 BABP
564,883,000
196,841,000
761,724,000
5,038,897,000
742,910,000
39,537,000
5,821,344,000 0.130850
2013 BAEK
2,727,726,000,000
215,326,000,000
2,943,052,000,000
20,332,378,000,000
2,051,512,000,000
83,590,000,000
22,467,480,000,000 0.130992
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN IV
Data Variabel Independen
Loan to Deposit Ratio (LDR)
TAH
UN
KODE
PERUSA
HAAN
TOTAL
KREDIT
GIRO TABUNGAN DEPOSITO
BERJANGK
A
PIHAK
BERELASI
PIHAK
KETIGA
TOTAL DANA
PIHAK
KETIGA
LDR
2013 AGRO
3,589,219,037,000
649,443,046,00
0
231,042,397,000
3,239,768,390,000
-
-
4,120,253,833,000 0.871116
2013 BABP
5,516,240,218,000
-
-
-
19,087,201,000
6,815,804,070,000
6,834,891,271,000 0.807071
2013 BAEK
19,624,792,000,000
-
-
-
16,929,000,000
23,329,946,000,000
23,346,875,000,000 0.840575
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN V
Data Variabel Independen
Beban Operasional Pendapatan Operasional (BOPO)
TAH
UN
KODE
PERUS
AHAAN
BEBAN
BUNGA
BEBAN
OPERASIONA
L
TOTAL
BIAYA
PENDAPATA
N BUNGA
PENDAPATA
N LAIN
TOTAL
PENDAPATA
N
BOPO
2013 AGRO
195,481,763,000
180,072,909,000
375,554,672,000
420,623,106,000
50,691,682,000
471,314,788,000
0.796823
2013 BABP
384,025,818,000
437,165,742,000
821,191,560,000
684,302,327,000
79,077,514,000
763,379,841,000
1.075731
2013 BAEK
886,284,000,000
964,371,000,000
1,850,655,000,000
2,045,697,000,000
1,289,099,000,000
3,334,796,000,000
0.554953
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN VI
Data Variabel Independen
Non Performing Loan (NPL)
TAHUN KODE
PERUSAHAAN
KURANG
LANCAR
DIRAGUKAN MACET INDIVIDU
AL
TOTAL
KREDIT
TIDAK
LANCAR
TOTAL
KREDIT
NPL
2013 AGRO
-
-
-
81,444,065,000
3,589,219,037,000
0.022691
2013 BABP
7,267,791,000
13,554,479,000
246,454,366,000
267,276,636,000
5,516,240,218,000
0.048453
2013 BAEK
-
-
-
179,212,000,000
19,624,792,000,000
0.009132
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN 1
SAMPEL PENELITIAN
Nomor Kode
Perusahaan
Nama Perusahaan
1 AGRO Bank Rakyat Indonesia Agroniaga Tbk
2 BABP Bank ICB Bumiputera Tbk
3 BAEK Bank Ekonomi Raharja Tbk
4 BACA Bank Capital Indonesia
5 BBCA Bank Central Asia Tbk
6 BBKP Bank Bukopin Tbk
7 BBNI Bank Negara Indonesia (persero) Tbk
8 BBNP Bank Nusantara Parahyangan Tbk
9 BBRI Bank Rakyat Indonesia (Persero) Tbk
10 BBTN Bank Tabungan Negara (Persero) Tbk
11 BCIC Bank Mutiara Tbk
12 BDMN Bank Danamon Indonesia Tbk
13 BEKS Bank Pundi Indonesia Tbk
14 BJBR Bank Pembangunan Daerah Jawa Barat & Banten Tbk
15 BKSW Bank QNB Indonesia Tbk
16 BMRI Bank Mandiri (Persero) Tbk
17 BNBA Bank Bumi Artha Tbk
18 BNGA Bank CIMB Niaga Tbk
19 BNII Bank International Indonesia Tbk
20 BNLI Bank Permata TBk
21 BSIM Bank Sinarmas Tbk
22 BSWD Bank Of India Indonesia Tbk
23 BTPN Bank Tabungan Pensiunan Nasional Tbk
24 BVIC Bank Victoria International Tbk
25 INPC Bank Artha Graha International TBk
26 MAYA Bank Mayapada International Tbk
27 MCOR Bank Windu Kentjana International Tbk
28 MEGA Bank Mega Tbk
29 NISP Bank OCBC NISP Tbk
30 PNBN Bank PAN Indonesia Tbk
31 SDRA Bank Himpunan Saudara 1906 Tbk
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN VI
HASIL PERSAMAAN REGRESI
Descriptive Statistics
N Range Minimum Maximu
m
Sum Mean Std.
Deviation
CAR 93 .363 .094 .458 15.098 .16234 .044629
LDR 93 .691 .442 1.133 76.473 .82229 .117828
BOPO 93 1.331 .518 1.849 75.527 .81212 .173733
NPL 93 .121 .002 .123 2.171 .02335 .020011
ROA 93 .126 -.078 .047 1.775 .01909 .017135
Valid N
(listwise) 93
One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N 93
Normal Parametersa,b Mean 0E-7
Std. Deviation .00844043
Most Extreme Differences
Absolute .129
Positive .129
Negative -.121
Kolmogorov-Smirnov Z 1.244
Asymp. Sig. (2-tailed) .091
a. Test distribution is Normal.
b. Calculated from data.
Analisa Pengaruh..., Shandy, FB UMN, 2015
Model Summaryb
Model R R Square Adjusted R
Square
Std. Error of the
Estimate
Durbin-Watson
1 .870a .757 .746 .008630 1.882
a. Predictors: (Constant), NPL, LDR, CAR, BOPO
b. Dependent Variable: ROA
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1
Regression .020 4 .005 68.669 .000b
Residual .007 88 .000
Total .027 92
a. Dependent Variable: ROA
b. Predictors: (Constant), NPL, LDR, CAR, BOPO
Coefficientsa
Model Unstandardized Coefficients Standardized
Coefficients
t Sig.
B Std. Error Beta
1
(Constant) .071 .008 8.537 .000
CAR .016 .022 .041 .730 .467
LDR .014 .008 .095 1.791 .077
BOPO -.078 .007 -.791 -11.665 .000
NPL -.103 .061 -.121 -1.696 .093
a. Dependent Variable: ROA
Analisa Pengaruh..., Shandy, FB UMN, 2015
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMAPIRAN VII
TABEL DURBIN WATSON
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN VIII
FORMULIR KONSULTASI SKRIPSI
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN II
Data Variabel Dependen
Return On Assets (ROA)
TAHUN KODE
PERUS
AHAA
N
LABA SEBELUM
PAJAK
TOTAL ASET
2010
TOTAL ASET 2011 RATA-RATA ASET
ROA
2011 AGRO
44,985,281,000
3,054,092,727,000
3,481,155,340,000
3,267,624,033,500 0.013767
2011 BABP
(125,002,112,000)
8,667,938,558,000
7,281,534,934,000
7,974,736,746,000 (0.015675)
2011 BAEK
326,825,000,000
21,473,182,000,000
24,099,084,000,000
22,786,133,000,000 0.014343
2011 BACA
34,310,000,000
4,399,405,000,000
4,694,939,000,000
4,547,172,000,000 0.007545
2011 BBCA
13,618,758,000,000
324,419,069,000,000
381,908,353,000,000
353,163,711,000,000 0.038562
2011 BBKP
940,404,000,000
47,489,366,000,000
57,183,463,000,000
52,336,414,500,000 0.017968
2011 BBNI
7,461,308,000,000
248,580,529,000,000
299,058,161,000,000
273,819,345,000,000 0.027249
2011 BBNP
91,757,601,000
5,280,892,166,000
6,566,510,103,000
5,923,701,134,500 0.015490
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 BBRI
18,755,880,000,000
404,285,602,000,000
469,899,284,000,000
437,092,443,000,000 0.042911
2011 BBTN
1,522,260,000,000
68,385,539,000,000
89,121,459,000,000
78,753,499,000,000 0.019329
2011 BCIC
243,287,000,000
10,783,886,000,000
13,127,198,000,000
11,955,542,000,000 0.020349
2011 BDMN
4,551,581,000,000
118,391,556,000,000
142,292,206,000,000
130,341,881,000,000 0.034920
2011 BEKS
(171,575,000,000)
1,561,622,000,000
5,993,039,000,000
3,777,330,500,000 (0.045422)
2011 BJBR
1,319,816,000,000
43,445,700,000,000
54,448,658,000,000
48,947,179,000,000 0.026964
2011 BKSW
15,550,000,000
2,589,916,000,000
3,593,817,000,000
3,091,866,500,000 0.005029
2011 BMRI
16,512,035,000,000
449,774,551,000,000
551,891,704,000,000
500,833,127,500,000 0.032969
2011 BNBA
57,015,636,700
2,661,902,011,202
2,963,148,453,513
2,812,525,232,358 0.020272
2011 BNGA
4,391,782,000,000
143,652,852,000,000
166,801,130,000,000
155,226,991,000,000 0.028293
2011 BNII
985,306,000,000
75,130,433,000,000
94,919,111,000,000
85,024,772,000,000 0.011588
2011 BNLI
1,558,818,000,000
73,844,642,000,000
101,324,002,000,000
87,584,322,000,000 0.017798
2011 BSIM
155,077,000,000
11,232,179,000,000
16,658,656,000,000
13,945,417,500,000 0.011120
2011 BSWD
64,541,516,776
1,570,331,769,489
2,080,427,739,215
1,825,379,754,352 0.035358
2011 BTPN
1,783,341,000,000
34,522,573,000,000
46,651,141,000,000
40,586,857,000,000 0.043939
2011 BVIC
239,238,525,000
10,304,852,773,000
11,802,562,942,000
11,053,707,857,500 0.021643
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 INPC
125,738,000,000
17,063,094,000,000
19,185,436,000,000
18,124,265,000,000 0.006938
2011 MAYA
230,477,283,000
10,102,287,635,000
12,951,201,232,000
11,526,744,433,500 0.019995
2011 MCOR
48,375,000,000
4,354,460,000,000
6,452,794,000,000
5,403,627,000,000 0.008952
2011 MEGA
1,191,316,000,000
51,596,960,000,000
61,909,027,000,000
56,752,993,500,000 0.020991
2011 NISP
1,005,875,000,000
50,141,559,000,000
59,834,397,000,000
54,987,978,000,000 0.018293
2011 PNBN
2,736,366,000,000
108,995,334,000,000
124,755,428,000,000
116,875,381,000,000 0.023413
2011 SDRA
121,807,000,000
3,245,762,000,000
5,085,762,000,000
4,165,762,000,000 0.029240
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUSA
HAAN
LABA SEBELUM PAJAK TOTAL ASET 2010 TOTAL ASET 2011 RATA-RATA ASET
ROA
2012 AGRO 51,471,054,000
3,481,155,340,000
4,040,140,235,000
3,760,647,787,500 0.013687
2012 BABP 6,010,082,000
7,281,534,934,000
7,433,803,459,000
7,357,669,196,500 0.000817
2012
BAEK 246,890,000,000
24,099,084,000,000
25,365,299,000,000
24,732,191,500,000 0.009983
2012
BACA 62,561,000,000
4,694,939,000,000
5,666,177,000,000
5,180,558,000,000 0.012076
2012 BBCA 14,686,046,000,000
381,908,353,000,000
442,994,197,000,000
412,451,275,000,000 0.035607
2012 BBKP 1,059,370,000,000
57,183,463,000,000
65,689,830,000,000
61,436,646,500,000 0.017243
2012 BBNI 8,899,562,000,000
299,058,161,000,000
333,303,506,000,000
316,180,833,500,000 0.028147
2012
BBNP 115,153,801,000
6,566,510,103,000
8,212,208,488,000
7,389,359,295,500 0.015584
2012
BBRI 23,859,572,000,000
469,899,284,000,000
551,336,790,000,000
510,618,037,000,000 0.046727
2012 BBTN 1,863,202,000,000
89,121,459,000,000
111,748,593,000,000
100,435,026,000,000 0.018551
2012 BCIC 144,081,000,000
13,127,198,000,000
15,240,091,000,000
14,183,644,500,000 0.010158
2012 BDMN 5,486,679,000,000
142,292,206,000,000
155,791,308,000,000
149,041,757,000,000 0.036813
2012 BEKS 68,220,000,000
5,993,039,000,000
7,682,938,000,000
6,837,988,500,000 0.009977
2012
BJBR 1,512,499,000,000
54,448,658,000,000
70,840,878,000,000
62,644,768,000,000 0.024144
2012 BKSW (34,424,000,000)
3,593,817,000,000
4,644,654,000,000
4,119,235,500,000 (0.008357)
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012 BMRI 20,504,268,000,000
551,891,704,000,000
635,618,708,000,000
593,755,206,000,000 0.034533
2012 BNBA 77,467,035,432
2,963,148,453,513
3,483,516,588,857
3,223,332,521,185 0.024033
2012
BNGA 5,786,927,000,000
166,801,130,000,000
197,412,481,000,000
182,106,805,500,000 0.031778
2012
BNII 1,695,869,000,000
94,919,111,000,000
115,772,908,000,000
105,346,009,500,000 0.016098
2012 BNLI 1,888,081,000,000
101,324,002,000,000
131,798,595,000,000
116,561,298,500,000 0.016198
2012 BSIM 285,479,000,000
16,658,656,000,000
15,151,892,000,000
15,905,274,000,000 0.017949
2012 BSWD 73,921,748,519
2,080,427,739,215
2,540,740,993,910
2,310,584,366,563 0.031993
2012 BTPN 2,485,314,000,000
46,651,141,000,000
59,090,132,000,000
52,870,636,500,000 0.047007
2012
BVIC 252,594,217,000
11,802,562,942,000
14,352,840,454,000
13,077,701,698,000 0.019315
2012
INPC 139,810,000,000
19,185,436,000,000
20,558,770,000,000
19,872,103,000,000 0.007035
2012 MAYA 351,140,867,000
12,951,201,232,000
17,166,551,873,000
15,058,876,552,500 0.023318
2012 MCOR 128,018,000,000
6,452,794,000,000
6,495,246,000,000
6,474,020,000,000 0.019774
2012 MEGA 1,566,014,000,000
61,909,027,000,000
65,219,108,000,000
63,564,067,500,000 0.024637
2012
NISP 1,222,241,000,000
59,834,397,000,000
79,141,737,000,000
69,488,067,000,000 0.017589
2012
PNBN 3,042,464,000,000
124,755,428,000,000
148,792,615,000,000
136,774,021,500,000 0.022244
2012 SDRA 160,367,000,000
5,085,762,000,000
7,621,309,000,000
6,353,535,500,000 0.025241
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUS
AHAA
N
LABA SEBELUM
PAJAK
TOTAL ASET 2010 TOTAL ASET 2011 RATA-RATA ASET
ROA
2013 AGRO
71,589,231,000
4,040,140,235,000
5,124,070,015,000
4,582,105,125,000 0.015624
2013 BABP
(66,541,664,000)
7,433,803,459,000
8,165,865,135,000
7,799,834,297,000 (0.008531)
2013 BAEK
324,728,000,000
25,365,299,000,000
28,750,162,000,000
27,057,730,500,000 0.012001
2013 BACA
93,343,000,000
5,666,177,000,000
7,139,276,000,000
6,402,726,500,000 0.014579
2013 BBCA
17,815,606,000,000
442,994,197,000,000
496,304,573,000,000
469,649,385,000,000 0.037934
2013 BBKP
1,193,605,000,000
65,689,830,000,000
69,457,663,000,000
67,573,746,500,000 0.017664
2013 BBNI
11,278,165,000,000
333,303,506,000,000
386,654,815,000,000
359,979,160,500,000 0.031330
2013 BBNP
141,923,108,000
8,212,208,488,000
9,985,735,803,000
9,098,972,145,500 0.015598
2013 BBRI
27,910,066,000,000
551,336,790,000,000
626,182,926,000,000
588,759,858,000,000 0.047405
2013 BBTN
2,140,771,000,000
111,748,593,000,000
131,169,730,000,000
121,459,161,500,000 0.017625
2013 BCIC
(1,169,662,000,000)
15,240,091,000,000
14,576,094,000,000
14,908,092,500,000 (0.078458)
2013 BDMN
5,530,213,000,000
155,791,308,000,000
184,237,348,000,000
170,014,328,000,000 0.032528
2013 BEKS
102,429,000,000
7,682,938,000,000
9,003,124,000,000
8,343,031,000,000 0.012277
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 BJBR
1,752,874,000,000
70,840,878,000,000
70,958,233,000,000
70,899,555,500,000 0.024723
2013 BKSW
5,087,000,000
4,644,654,000,000
11,047,615,000,000
7,846,134,500,000 0.000648
2013 BMRI
24,061,837,000,000
635,618,708,000,000
733,099,762,000,000
684,359,235,000,000 0.035160
2013 BNBA
78,854,904,089
3,483,516,588,857
4,045,672,277,612
3,764,594,433,235 0.020946
2013 BNGA
5,832,017,000,000
197,412,481,000,000
218,866,409,000,000
208,139,445,000,000 0.028020
2013 BNII
2,184,224,000,000
115,772,908,000,000
140,546,751,000,000
128,159,829,500,000 0.017043
2013 BNLI
2,301,503,000,000
131,798,595,000,000
165,833,922,000,000
148,816,258,500,000 0.015465
2013 BSIM
286,100,000,000
15,151,892,000,000
17,447,455,000,000
16,299,673,500,000 0.017552
2013 BSWD
109,583,379,645
2,540,740,993,910
3,601,335,866,618
3,071,038,430,264 0.035683
2013 BTPN
2,868,855,000,000
59,090,132,000,000
69,664,873,000,000
64,377,502,500,000 0.044563
2013 BVIC
330,171,255,000
14,352,840,454,000
19,171,351,935,000
16,762,096,194,500 0.019697
2013 INPC
293,613,000,000
20,558,770,000,000
21,188,582,000,000
20,873,676,000,000 0.014066
2013 MAYA
509,628,250,000
17,166,551,873,000
24,015,571,540,000
20,591,061,706,500 0.024750
2013 MCOR
118,708,000,000
6,495,246,000,000
7,917,214,000,000
7,206,230,000,000 0.016473
2013 MEGA
632,550,000,000
65,219,108,000,000
66,475,698,000,000
65,847,403,000,000 0.009606
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 NISP
1,529,716,000,000
79,141,737,000,000
97,524,537,000,000
88,333,137,000,000 0.017318
2013 PNBN
3,252,163,000,000
148,792,615,000,000
164,055,578,000,000
156,424,096,500,000 0.020791
2013 SDRA
168,095,000,000
7,621,309,000,000
8,230,842,000,000
7,926,075,500,000 0.021208
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN III
Data Variabel Independen
Capital Adequacy Ratio (CAR)
TAHUN KODE
PERUSAHAAN
MODAL INTI MODAL
PELENGKAP
TOTAL
MODAL
ATMR
RESIKO
KREDIT
ATMR
RESIKO
OPERASIONAL
ATMR
RESIKO
PASAR
TOTAL ATMR
CAR
2011 AGRO
285,829,678,000
19,616,637,000
305,446,315,000
1,569,330,966,000
261,982,720,000
32,038,000,000
1,863,351,686,000 0.163923
2011 BABP
339,464,000
187,955,000
527,419,000
4,508,369,000
696,032,000
7,420,000
5,211,821,000 0.101197
2011 BAEK
2,363,349,000,000
141,129,000,000
2,504,478,000,000
13,319,216,000,000
1,954,897,000,000
27,672,000,000
15,301,785,000,000 0.163672
2011 BACA
540,732,000,000
62,558,000,000
603,290,000,000
2,579,892,000,000
161,530,000,000
54,658,000,000
2,796,080,000,000 0.215763
2011 BBCA
33,662,173,000,000
3,510,963,000,000
37,173,136,000,000
243,977,592,000,000
666,450,000,000
35,553,046,000,000
280,197,088,000,000 0.132668
2011 BBKP
3,751,950,000,000
168,071,000,000
3,920,021,000,000
27,161,933,000,000
3,503,346,000,000
186,273,000,000
30,851,552,000,000 0.127061
2011 BBNI
-
-
32,691,914,000,000
158,488,457,000,000
25,967,823,000,000
946,750,000,000
185,403,030,000,000 0.176329
2011 BBNP
544,523,000
98,444,000
642,967,000
-
-
-
4,781,855,000 0.134460
2011 BBRI
38,215,079,000,000
3,600,909,000,000
41,815,988,000,000
224,304,622,000,000
52,998,112,000,000
2,299,908,000,000
279,602,642,000,000 0.149555
2011 BBTN
6,584,012,000,000
384,354,000,000
6,968,366,000,000
40,939,774,000,000
5,283,745,000,000
149,515,000,000
46,373,034,000,000 0.150268
2011 BCIC
785,349,000,000
127,065,000,000
912,414,000,000
9,375,542,000,000
28,567,000,000
292,414,000,000
9,696,523,000,000 0.094097
2011 BDMN
-
-
22,162,845,000,000
-
-
-
126,263,998,000,000 0.175528
2011 BEKS
386,120,000,000
45,780,000,000
431,900,000,000
3,444,052,000,000
150,193,000,000
-
3,594,245,000,000 0.120164
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 BJBR
4,551,623,000,000
(15,858,000,000)
4,535,765,000,000
19,939,939,000,000
4,501,263,000,000
267,006,000,000
24,708,208,000,000 0.183573
2011 BKSW
855,641,000,000
28,571,000,000
884,212,000,000
1,728,010,000,000
192,499,000,000
12,180,000,000
1,932,689,000,000 0.457504
2011 BMRI
45,604,965,000,000
8,479,281,000,000
54,084,246,000,000
310,545,347,000,000
40,781,287,000,000
1,193,360,000,000
352,519,994,000,000 0.153422
2011 BNBA
363,941,774,627
49,587,106,887
413,528,881,514
-
-
-
2,071,877,938,095 0.199591
2011 BNGA
15,304,383,000,000
4,263,561,000,000
19,567,944,000,000
147,787,948,000,000
-
1,755,650,000,000
149,543,598,000,000 0.130851
2011 BNII
7,177,754,000,000
2,233,006,000,000
9,410,760,000,000
69,600,998,000,000
9,135,980,000,000
786,068,000,000
79,523,046,000,000 0.118340
2011 BNLI
7,331,366,000,000
4,088,492,000,000
11,419,858,000,000
68,969,833,000,000
6,875,091,000,000
549,412,000,000
76,394,336,000,000 0.149486
2011 BSIM
1,287,028,000,000
95,598,000,000
1,382,626,000,000
9,056,263,000,000
749,015,000,000
81,980,000,000
9,887,258,000,000 0.139839
2011 BSWD
314,681,000,000
13,787,000,000
328,468,000,000
1,261,579,000,000
154,765,000,000
-
1,416,344,000,000 0.231913
2011 BTPN
4,762,445,000,000
247,461,000,000
5,009,906,000,000
19,743,668,000,000
4,733,537,000,000
-
24,477,205,000,000 0.204676
2011 BVIC
1,148,577,209,000
102,932,989,000
1,251,510,198,000
7,434,639,123,000
254,794,375,000
29,368,989,000
7,718,802,487,000 0.162138
2011 INPC
1,027,131,000,000
624,484,000,000
1,651,615,000,000
11,978,123,000,000
1,053,164,000,000
128,044,000,000
13,159,331,000,000 0.125509
2011 MAYA
1,442,115,000
72,199,000
1,514,314,000
9,382,548,000
750,306,000
182,524,000
10,315,378,000 0.146802
2011 MCOR
572,479,000,000
4,521,452,000,000
240,138,000,000
143,857,000,000
4,905,447,000,000 0.116703
2011 MEGA
-
-
4,736,571,000,000
-
-
-
36,899,614,000,000 0.128364
2011 NISP
6,029,221,000,000
1,497,418,000,000
7,526,639,000,000
49,781,890,000,000
4,534,533,000,000
428,364,000,000
54,744,787,000,000 0.137486
2011 PNBN
13,401,586,000,000
4,187,513,000,000
17,589,099,000,000
81,796,263,000,000
7,585,650,000,000
466,483,000,000
89,848,396,000,000 0.195764
2011 SDRA
387,025,000,000
7,013,000,000
394,038,000,000
2,267,997,000,000
399,831,000,000
277,700,000,000
2,945,528,000,000 0.133775
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUSAHAAN
MODAL INTI MODAL
PELENGKAP
TOTAL
MODAL
ATMR
RESIKO
KREDIT
ATMR
RESIKO
OPERASIONAL
ATMR
RESIKO
PASAR
TOTAL ATMR
CAR
2012 AGRO
328,676,428,000
25,516,539,000
354,192,967,000
2,041,323,080,000
295,165,820,000
56,643,158,000
2,393,132,058,000 0.148004
2012 BABP
412,773,000
195,616,000
608,389,000
4,628,939,000
780,415,000
19,053,000
5,428,407,000 0.112075
2012 BAEK
2,528,872,000,000
187,611,000,000
2,716,483,000,000
17,083,116,000,000
1,954,897,000,000
73,188,000,000
19,111,201,000,000 0.142141
2012 BACA
571,185,000,000
53,347,000,000
624,532,000,000
3,107,433,000,000
224,426,000,000
138,353,000,000
3,470,212,000,000 0.179969
2012 BBCA
42,936,592,000,000
3,367,592,000,000
46,304,184,000,000
273,628,283,000,000
40,500,286,000,000
995,162,000,000
315,123,731,000,000 0.146940
2012 BBKP
4,305,037,000,000
1,515,168,000,000
5,820,205,000,000
31,457,391,000,000
4,072,223,000,000
91,099,000,000
35,620,713,000,000 0.163394
2012 BBNI
-
-
39,198,859,000,000
202,799,246,000,000
31,086,993,000,000
1,256,861,000,000
235,143,100,000,000 0.166702
2012 BBNP
608,875,000
112,754,000
721,629,000
-
-
-
5,927,888,000 0.121735
2012 BBRI
51,593,002,000,000
3,540,675,000,000
55,133,677,000,000
259,490,149,000,000
64,207,405,000,000
1,654,474,000,000
325,352,028,000,000 0.169459
2012 BBTN
9,038,283,000,000
394,879,000,000
9,433,162,000,000
46,581,762,000,000
6,557,227,000,000
182,400,000,000
53,321,389,000,000 0.176911
2012 BCIC
957,751,000,000
97,028,000,000
1,054,779,000,000
9,944,717,000,000
127,512,000,000
381,149,000,000
10,453,378,000,000 0.100903
2012 BDMN
-
-
24,662,658,000,000
-
-
-
130,486,278,000,000 0.189006
2012 BEKS
613,819,000,000
61,314,000,000
675,133,000,000
4,819,253,000,000
267,003,000,000
-
5,086,256,000,000 0.132737
2012 BJBR
4,650,062,000,000
(77,687,000,000)
4,572,375,000,000
19,511,884,000,000
5,190,912,000,000
541,385,000,000
25,244,181,000,000 0.181126
2012 BKSW
817,364,000,000
37,045,000,000
854,409,000,000
2,810,098,000,000
247,176,000,000
20,602,000,000
3,077,876,000,000 0.277597
2012 BMRI
54,438,380,000,000
7,509,124,000,000
61,947,504,000,000
350,761,176,000,000
48,384,624,000,000
1,044,148,000,000
400,189,948,000,000 0.154795
2012 BNBA
393,330,533,025
35,675,469,991
429,006,003,016
-
-
-
2,236,444,040,753 0.191825
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012 BNGA
19,154,205,000,000
4,207,296,000,000
23,361,501,000,000
153,716,903,000,000
-
1,150,963,000,000
154,867,866,000,000 0.150848
2012 BNII
7,842,231,000,000
3,800,933,000,000
11,643,164,000,000
78,346,008,000,000
10,356,050,000,000
2,012,438,000,000
90,714,496,000,000 0.128350
2012 BNLI
10,422,846,000,000
6,375,119,000,000
16,797,965,000,000
90,929,284,000,000
1,372,625,000,000
8,098,373,000,000
100,400,282,000,000 0.167310
2012 BSIM
1,692,498,000,000
97,637,000,000
1,790,135,000,000
8,615,340,000,000
1,097,724,000,000
184,023,000,000
9,897,087,000,000 0.180875
2012 BSWD
322,276,000,000
19,425,000,000
341,701,000,000
1,432,896,000,000
186,501,000,000
-
1,619,397,000,000 0.211005
2012 BTPN
6,553,214,000,000
315,782,000,000
6,868,996,000,000
25,192,653,000,000
6,776,693,000,000
-
31,969,346,000,000 0.214862
2012 BVIC
1,360,822,493,000
416,049,617,000
1,776,872,110,000
9,283,969,339,000
300,931,292,000
4,900,813,000
9,589,801,444,000 0.185288
2012 INPC
1,652,093,000,000
1,043,675,000,000
2,695,768,000,000
14,918,572,000,000
1,171,532,000,000
449,880,000,000
16,539,984,000,000 0.162985
2012 MAYA
1,454,166,000
93,893,000
1,548,059,000
12,825,524,000
1,324,278,000
14,412,000
14,164,214,000 0.109294
2012 MCOR
-
-
719,143,000,000
4,733,003,000,000
319,512,000,000
135,179,000,000
5,187,694,000,000 0.138625
2012 MEGA
-
-
5,567,133,000,000
-
-
-
31,630,396,000,000 0.176006
2012 NISP
8,336,047,000,000
1,537,048,000,000
9,873,095,000,000
54,773,151,000,000
4,717,707,000,000
393,950,000,000
59,884,808,000,000 0.164868
2012 PNBN
15,282,515,000,000
3,785,969,000,000
19,068,484,000,000
102,049,079,000,000
11,930,188,000,000
577,138,000,000
114,556,405,000,000 0.166455
2012 SDRA
444,245,000,000
218,698,000,000
662,943,000,000
3,731,663,000,000
494,683,000,000
284,203,000,000
4,510,549,000,000 0.146976
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUSAHAAN
MODAL INTI MODAL
PELENGKAP
TOTAL
MODAL
ATMR
RESIKO
KREDIT
ATMR
RESIKO
OPERASIONAL
ATMR
RESIKO
PASAR
TOTAL ATMR
CAR
2013 AGRO
799,925,492,000
43,281,724,000
843,207,216,000
3,462,537,906,000
345,846,025,000
95,629,000,000
3,904,012,931,000 0.215985
2013 BABP
564,883,000
196,841,000
761,724,000
5,038,897,000
742,910,000
39,537,000
5,821,344,000 0.130850
2013 BAEK
2,727,726,000,000
215,326,000,000
2,943,052,000,000
20,332,378,000,000
2,051,512,000,000
83,590,000,000
22,467,480,000,000 0.130992
2013 BACA
790,693,000,000
61,993,000,000
852,686,000,000
3,805,675,000,000
282,749,000,000
147,668,000,000
4,236,092,000,000 0.201291
2013 BBCA
52,881,559,000,000
3,329,874,000,000
56,211,433,000,000
314,381,804,000,000
44,373,506,000,000
208,259,000,000
358,963,569,000,000 0.156594
2013 BBKP
5,046,392,000,000
1,527,997,000,000
6,574,389,000,000
38,485,470,000,000
4,958,081,000,000
25,309,000,000
43,468,860,000,000 0.151244
2013 BBNI
-
-
43,563,420,000,000
251,141,940,000,000
35,995,559,000,000
1,479,282,000,000
288,616,781,000,000 0.150939
2013 BBNP
995,576,000
136,438,000
1,132,014,000
-
-
-
7,187,754,000 0.157492
2013 BBRI
65,964,040,000,000
3,507,996,000,000
69,472,036,000,000
331,161,598,000,000
75,401,807,000,000
2,294,988,000,000
408,858,393,000,000 0.169917
2013 BBTN
9,878,541,000,000
474,464,000,000
10,353,005,000,000
57,748,566,000,000
8,229,190,000,000
283,944,000,000
66,261,700,000,000 0.156244
2013 BCIC
1,271,786,000,000
127,074,000,000
1,398,860,000,000
9,167,849,000,000
198,980,000,000
601,296,000,000
9,968,125,000,000 0.140333
2013 BDMN
-
-
27,701,698,000,000
-
-
-
155,140,150,000,000 0.178559
2013 BEKS
693,124,000,000
71,615,000,000
764,739,000,000
5,808,027,000,000
883,821,000,000
-
6,691,848,000,000 0.114279
2013 BJBR
5,350,343,000,000
(9,926,000,000)
5,340,417,000,000
24,932,833,000,000
6,254,121,000,000
1,164,523,000,000
32,351,477,000,000 0.165075
2013 BKSW
1,419,396,000,000
80,954,000,000
1,500,350,000,000
7,665,875,000,000
321,653,000,000
22,361,000,000
8,009,889,000,000 0.187312
2013 BMRI
65,853,989,000,000
7,491,432,000,000
73,345,421,000,000
431,632,851,000,000
57,671,278,000,000
1,972,041,000,000
491,276,170,000,000 0.149296
2013 BNBA
426,858,497,188
62,338,965,174
489,197,462,362
-
-
-
2,878,836,060,540 0.169929
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 BNGA
22,886,402,000,000
4,347,742,000,000
27,234,144,000,000
173,254,665,000,000
-
1,524,324,000,000
174,778,989,000,000 0.155820
2013 BNII
9,797,556,000,000
3,592,904,000,000
13,390,460,000,000
94,813,711,000,000
9,234,621,000,000
861,446,000,000
104,909,778,000,000 0.127638
2013 BNLI
11,773,874,000,000
6,713,553,000,000
18,487,427,000,000
116,390,717,000,000
887,475,000,000
10,122,608,000,000
127,400,800,000,000 0.145112
2013 BSIM
2,528,077,000,000
109,420,000,000
2,637,497,000,000
10,384,365,000,000
1,490,878,000,000
213,655,000,000
12,088,898,000,000 0.218175
2013 BSWD
380,160,000,000
31,459,000,000
411,619,000,000
2,494,184,000,000
200,148,000,000
-
2,694,332,000,000 0.152772
2013 BTPN
8,600,288,000,000
372,007,000,000
8,972,295,000,000
29,672,943,000,000
9,187,752,000,000
-
38,860,695,000,000 0.230884
2013 BVIC
1,515,369,796,000
664,336,935,000
2,179,706,731,000
11,463,606,219,000
481,358,990,000
32,175,561,000
11,977,140,770,000 0.181989
2013 INPC
1,648,197,000,000
940,369,000,000
2,588,566,000,000
14,863,871,000,000
1,365,109,000,000
201,192,000,000
16,430,172,000,000 0.157550
2013 MAYA
1,917,192,000
839,866,000
2,757,058,000
17,919,459,000
1,673,550,000
3,656,000
19,596,665,000 0.140690
2013 MCOR
-
-
966,668,000,000
6,088,523,000,000
446,471,000,000
48,706,000,000
6,583,700,000,000 0.146827
2013 MEGA
-
-
5,704,179,000,000
-
-
-
36,229,890,000,000 0.157444
2013 NISP
12,849,643,000,000
1,426,332,000,000
14,275,975,000,000
68,074,951,000,000
5,468,029,000,000
491,894,000,000
74,034,874,000,000 0.192828
2013 PNBN
14,675,816,000,000
4,080,475,000,000
18,756,291,000,000
108,943,493,000,000
11,898,238,000,000
1,556,811,000,000
122,398,542,000,000 0.153239
2013 SDRA
493,840,000,000
185,001,000,000
678,841,000,000
4,205,750,000,000
677,865,000,000
309,131,000,000
5,192,746,000,000 0.130729
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN IV
Data Variabel Independen
Loan to Deposit Ratio (LDR)
TAHU
N
KODE
PERUSA
HAAN
TOTAL
KREDIT
GIRO TABUNGA
N
DEPOSITO
BERJANG
KA
PIHAK
BERELASI
PIHAK
KETIGA
TOTAL DANA
PIHAK
KETIGA
LDR
2011 AGRO
1,819,930,273,000
685,188,951,000
169,340,115,00
0
1,911,796,850,0
00
-
-
2,766,325,916,000 0.657887
2011 BABP
5,105,397,575,000
-
-
-
106,990,454,000
5,904,373,361,000
6,011,363,815,000 0.849291
2011 BAEK
14,026,182,000,000
-
-
-
16,123,000,000
20,056,375,000,000
20,072,498,000,000 0.698776
2011 BACA
1,758,730,000,000
-
-
-
5,091,000,000
3,970,550,000,000
3,975,641,000,000 0.442376
2011 BBCA
202,254,927,000,00
0
-
-
-
836,835,000,000
322,590,757,000,00
0
323,427,592,000,000 0.625348
2011 BBKP
40,748,306,000,000
-
-
-
47,929,226,000,00
0
-
47,929,226,000,000 0.850177
2011 BBNI
163,533,423,000,00
0
-
-
-
40,949,215,000,00
0
190,346,525,000,00
0
231,295,740,000,000 0.707032
2011 BBNP
4,810,026,912,000
-
-
-
5,268,547,319,000
385,396,436,000
5,653,943,755,000 0.850738
2011 BBRI
285,406,257,000,00
0
-
-
-
384,264,345,000,0
00
-
384,264,345,000,000 0.742734
2011 BBTN
63,563,684,000,000
13,149,587,000,00
0
14,815,913,000,
000
34,004,515,000,
000
-
-
61,970,015,000,000 1.025717
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 BCIC
9,397,094,000,000
-
-
-
36,574,000,000
11,163,401,000,000
11,199,975,000,000 0.839028
2011 BDMN
87,698,136,000,000
-
-
-
244,695,000,000
85,733,632,000,000
85,978,327,000,000 1.020003
2011 BEKS
3,554,336,000,000
-
-
-
83,647,000,000
5,238,864,000,000
5,322,511,000,000 0.667793
2011 BJBR
26,998,466,000,000
-
-
-
14,621,043,000,000
22,387,445,000,000
37,008,488,000,000
0.729521
2011 BKSW
2,002,911,000,000
-
-
-
4,492,000,000
2,639,973,000,000
2,644,465,000,000 0.757397
2011 BMRI
311,093,306,000,000
92,530,586,000,000
149,868,333,000,000
142,329,684,000,000
-
-
384,728,603,000,000
0.808605
2011 BNBA
1,634,315,958,120
-
-
-
51,086,472,724
2,368,929,437,051
2,420,015,909,775 0.675333
2011 BNGA
122,960,842,000,00
0
30,668,994,000,00
0
27,747,547,000,
000
73,397,763,000,
000
-
-
131,814,304,000,000 0.932834
2011 BNII
62,807,916,000,000
-
-
-
62,369,000,000
70,260,548,000,000
70,322,917,000,000 0.893136
2011 BNLI
69,541,029,000,000
17,150,648,000,00
0
17,156,724,000,
000
48,475,915,000,
000
-
-
82,783,287,000,000 0.840037
2011 BSIM
10,240,174,000,000
-
-
-
6,005,651,000,000
8,847,413,000,000
14,853,064,000,000 0.689432
2011 BSWD
1,436,293,082,925
-
-
-
98,981,087,412
1,576,863,540,122
1,675,844,627,534 0.857056
2011 BTPN
30,310,157,000,000
-
-
-
28,855,000,000
35,589,145,000,000
35,618,000,000,000 0.850979
2011 BVIC
5,802,341,922,000
-
-
-
46,558,651,000
9,202,449,501,000
9,249,008,152,000 0.627347
2011 INPC
13,399,445,000,000
-
-
-
685,872,000,000
15,610,766,000,000
16,296,638,000,000 0.822221
2011 MAYA
8,758,331,096,000
673,822,684,000
1,167,676,822,000
8,825,758,951,000
-
-
10,667,258,457,000
0.821048
2011 MCOR
4,626,933,000,000
-
-
-
541,186,000,000
5,272,506,000,000
5,813,692,000,000 0.795868
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 MEGA
31,797,657,000,000
9,140,961,000,000
13,849,239,000,000
26,148,487,000,000
-
-
49,138,687,000,000
0.647100
2011 NISP
41,275,778,000,000
10,257,307,000,00
0
18,206,127,000,
000
18,956,105,000,
000
-
-
47,419,539,000,000 0.870438
2011 PNBN
71,079,802,000,000
-
-
-
424,923,000,000
85,323,609,000,000
85,748,532,000,000 0.828933
2011 SDRA
3,341,776,000,000
-
-
-
374,914,000,000
3,713,078,000,000
4,087,992,000,000 0.817461
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHU
N
KODE
PERUSA
HAAN
TOTAL
KREDIT
GIRO TABUNGAN DEPOSITO
BERJANGK
A
PIHAK
BERELASI
PIHAK
KETIGA
TOTAL DANA
PIHAK
KETIGA
LDR
2012 AGRO
2,519,265,377,000
298,787,388,00
0
190,607,541,000
2,564,894,408,000
-
-
3,054,289,337,000 0.824829
2012 BABP
5,149,078,125,000
-
-
-
12,136,873,000
6,421,628,552,000
6,433,765,425,000 0.800321
2012 BAEK
17,218,191,000,00
0
-
-
-
1,275,000,000
20,959,274,000,000
20,960,549,000,000 0.821457
2012 BACA
2,831,618,000,000
-
-
-
6,254,000,000
4,771,765,000,000
4,778,019,000,000 0.592634
2012 BBCA
256,777,865,000,0
00
-
-
-
1,484,745,000,000
368,789,454,000,00
0
370,274,199,000,000 0.693480
2012 BBKP
45,530,740,000,00
0
-
-
-
53,957,758,000,00
0
-
53,957,758,000,000 0.843822
2012 BBNI
200,742,305,000,0
00
-
-
-
257,660,841,000,0
00
-
257,660,841,000,000 0.779095
2012 BBNP
5,884,622,960,000
-
-
-
6,445,396,059,000
479,790,137,000
6,925,186,196,000 0.849742
2012 BBRI
350,758,262,000,0
00
-
-
-
450,166,383,000,0
00
-
450,166,383,000,000 0.779175
2012 BBTN
81,410,763,000,00
0
13,271,227,000,
000
21,540,425,000,00
0
45,856,331,000,00
0
-
-
80,667,983,000,000 1.009208
2012 BCIC
11,148,050,000,00
0
-
-
-
47,753,000,000
13,413,755,000,000
13,461,508,000,000 0.828143
2012 BDMN
93,180,861,000,000
-
-
-
465,445,000,000
89,432,421,000,000
89,897,866,000,000
1.036519
2012 BEKS
5,654,001,000,000
-
-
-
28,859,000,000
6,727,783,000,000
6,756,642,000,000 0.836806
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012 BJBR
35,374,390,000,000
-
-
-
3,193,494,000,000
44,439,369,000,000
47,632,863,000,000
0.742647
2012 BKSW
3,183,541,000,000
-
-
-
109,276,000,000
3,523,808,000,000
3,633,084,000,000 0.876264
2012 BMRI
384,581,706,000,000
113,907,856,000,000
183,969,756,000,000
144,960,251,000,000
-
-
442,837,863,000,000
0.868448
2012 BNBA
2,240,960,677,140
-
-
-
95,153,169,444
2,779,687,861,780
2,874,841,031,224 0.779508
2012 BNGA
140,776,159,000,0
00
35,757,755,000,
000
29,892,991,000,00
0
85,364,373,000,00
0
-
-
151,015,119,000,000 0.932199
2012 BNII
76,087,918,000,000
-
-
-
59,565,000,000
85,887,082,000,000
85,946,647,000,000
0.885292
2012 BNLI
95,055,504,000,000
21,125,503,000,000
23,294,585,000,000
60,494,389,000,000
-
-
104,914,477,000,000
0.906028
2012 BSIM
10,386,084,000,00
0
-
-
-
3,717,006,000,000
9,143,708,000,000
12,860,714,000,000 0.807582
2012 BSWD
1,838,288,366,540
-
-
-
139,252,164,244
1,833,004,160,785
1,972,256,325,029 0.932074
2012 BTPN
38,844,096,000,000
-
-
-
244,354,000,000
44,828,249,000,000
45,072,603,000,000
0.861812
2012 BVIC
7,823,868,186,000
-
-
-
28,713,565,000
11,487,018,861,000
11,515,732,426,000 0.679407
2012 INPC
15,212,135,000,00
0
-
-
-
733,019,000,000
16,666,095,000,000
17,399,114,000,000 0.874305
2012 MAYA
12,216,246,723,000
833,436,957,000
1,662,599,414,000
12,664,583,168,000
15,160,619,539,000
0.805788
2012 MCOR
4,525,245,000,000
309,316,000,000
5,289,165,000,000
5,598,481,000,000 0.808299
2012 MEGA
26,986,195,000,00
0
7,479,029,000,0
00
13,398,606,000,00
0
29,387,760,000,00
0
-
-
50,265,395,000,000 0.536874
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012 NISP
52,732,012,000,000
11,640,318,000,000
18,523,698,000,000
30,596,664,000,000
-
-
60,760,680,000,000
0.867864
2012 PNBN
92,961,240,000,00
0
-
-
-
458,919,000,000
102,236,341,000,00
0
102,695,260,000,000 0.905215
2012 SDRA
5,260,844,000,000
-
-
-
760,814,000,000
5,465,895,000,000
6,226,709,000,000 0.844884
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAH
UN
KODE
PERUSAH
AAN
TOTAL
KREDIT
GIRO TABUNGAN DEPOSITO
BERJANGK
A
PIHAK
BERELASI
PIHAK
KETIGA
TOTAL DANA
PIHAK
KETIGA
LDR
2013 AGRO
3,589,219,037,000
649,443,046,00
0
231,042,397,000
3,239,768,390,000
-
-
4,120,253,833,000 0.871116
2013 BABP
5,516,240,218,000
-
-
-
19,087,201,000
6,815,804,070,000
6,834,891,271,000 0.807071
2013 BAEK
19,624,792,000,00
0
-
-
-
16,929,000,000
23,329,946,000,000
23,346,875,000,000 0.840575
2013 BACA
3,743,319,000,000
-
-
-
8,275,000,000
5,884,872,000,000
5,893,147,000,000 0.635199
2013 BBCA
312,290,388,000,0
00
-
-
-
987,860,000,000
408,497,903,000,00
0
409,485,763,000,000 0.762640
2013 BBKP
48,461,043,000,00
0
-
-
-
55,822,392,000,00
0
-
55,822,392,000,000 0.868129
2013 BBNI
250,637,843,000,0
00
-
-
-
291,890,195,000,0
00
-
291,890,195,000,000 0.858672
2013 BBNP
7,066,300,093,000
-
-
-
547,292,480,000
7,811,102,796,000
8,358,395,276,000 0.845413
2013 BBRI
434,316,466,000,0
00
504,281,382,000,0
00
-
504,281,382,000,000 0.861258
2013 BBTN
100,467,391,000,0
00
19,116,196,000,
000
24,237,893,000,00
0
52,853,533,000,00
0
-
-
96,207,622,000,000 1.044277
2013 BCIC
11,131,807,000,00
0
-
-
-
44,981,000,000
11,513,100,000,000
11,558,081,000,000 0.963119
2013 BDMN
105,780,641,000,000
-
-
-
145,291,000,000
109,015,891,000,000
109,161,182,000,000
0.969032
2013 BEKS
6,788,775,000,000
-
-
-
37,751,000,000
7,635,710,000,000
7,673,461,000,000 0.884708
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 BJBR
45,308,580,000,000
-
-
-
11,769,248,000,000
35,104,913,000,000
46,874,161,000,000
0.966600
2013 BKSW
8,208,542,000,000
44,342,000,000
7,200,592,000,000
7,244,934,000,000 1.133004
2013 BMRI
467,170,449,000,000
123,427,649,000,000
216,017,610,000,000
508,996,256,000,000
-
-
848,441,515,000,000
0.550622
2013 BNBA
2,827,421,522,537
-
-
-
93,608,437,951
3,273,911,313,472
3,367,519,751,423 0.839615
2013 BNGA
149,691,501,000,0
00
36,793,000,000,
000
35,232,962,000,00
0
91,711,400,000,00
0
-
-
163,737,362,000,000 0.914217
2013 BNII
95,469,670,000,000
-
-
-
79,694,000,000
107,159,864,000,000
107,239,558,000,000
0.890247
2013 BNLI
119,771,487,000,000
25,300,186,000,000
21,455,030,000,000
86,319,710,000,000
-
-
133,074,926,000,000
0.900030
2013 BSIM
10,966,071,000,00
0
-
-
-
3,299,063,000,000
10,519,998,000,000
13,819,061,000,000 0.793547
2013 BSWD
2,569,319,049,474
-
-
-
110,500,451,592
2,629,713,678,497
2,740,214,130,089 0.937634
2013 BTPN
46,105,437,000,000
-
-
-
232,277,000,000
51,963,582,000,000
52,195,859,000,000
0.883316
2013 BVIC
11,308,619,696,000
-
-
-
32,417,176,000
15,099,839,194,000
15,132,256,370,000
0.747319
2013 INPC
15,431,270,000,00
0
-
-
-
1,291,798,000,000
16,071,608,000,000
17,363,406,000,000 0.888724
2013 MAYA
17,683,638,543,00
0
1,023,216,213,0
00
1,624,178,251,000
18,009,645,877,00
0
20,657,040,341,000 0.856059
2013 MCOR
5,483,875,000,000
-
-
-
174,878,000,000
6,396,610,000,000
6,571,488,000,000 0.834495
2013 MEGA
30,172,864,000,00
0
7,317,018,000,0
00
11,797,642,000,00
0
33,257,383,000,00
0
-
-
52,372,043,000,000 0.576125
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 NISP
63,759,436,000,000
15,990,872,000,000
10,839,009,000,000
42,106,810,000,000
-
-
68,936,691,000,000
0.924898
2013 PNBN
104,829,874,000,0
00
-
-
-
479,219,000,000
119,777,434,000,00
0
120,256,653,000,000 0.871718
2013 SDRA
6,136,954,000,000
-
-
-
811,976,000,000
5,990,313,000,000
6,802,289,000,000 0.902190
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN V
Data Variabel Independen
Beban Operasional Pendapatan Operasional (BOPO)
TAH
UN
KODE
PERUS
AHAAN
BEBAN
BUNGA
BEBAN
OPERASIONA
L
TOTAL
BIAYA
PENDAPATA
N BUNGA
PENDAPATA
N LAIN
TOTAL
PENDAPATA
N
BOPO
2011 AGRO
190,696,249,000
140,577,659,000
331,273,908,000
333,167,178,000
24,271,134,000
357,438,312,000 0.926800
2011 BABP
460,866,841,000
553,642,966,000
1,014,509,807,000
823,520,951,000
70,074,102,000
893,595,053,000 1.135313
2011 BAEK
656,532,000,000
691,711,000,000
1,348,243,000,000
1,585,094,000,000
1,018,536,000,000
2,603,630,000,000 0.517832
2011 BACA
275,361,000,000
108,028,000,000
383,389,000,000
385,805,000,000
39,153,000,000
424,958,000,000 0.902181
2011 BBCA
7,730,157,000,000
10,751,933,000,000
18,482,090,000,000
25,783,993,000,000
5,994,872,000,000
31,778,865,000,000 0.581584
2011 BBKP
2,516,190,000,000
1,671,071,000,000
4,187,261,000,000
4,617,461,000,000
636,580,000,000
5,254,041,000,000 0.796960
2011 BBNI
7,495,982,000,000
11,134,002,000,000
18,629,984,000,000
20,691,796,000,000
7,601,475,000,000
28,293,271,000,000 0.658460
2011 BBNP
318,641,938,000
226,376,042,000
545,017,980,000
612,590,518,000
23,732,164,000
636,322,682,000 0.856512
2011 BBRI
13,737,272,000,000
17,085,627,000,000
30,822,899,000,000
48,164,348,000,000
5,775,975,000,000
53,940,323,000,000 0.571426
2011 BBTN
3,770,231,000,000
2,720,117,000,000
6,490,348,000,000
7,556,104,000,000
512,017,000,000
8,068,121,000,000 0.804444
2011 BCIC
828,832,000,000
358,397,000,000
1,187,229,000,000
1,058,443,000,000
70,813,000,000
1,129,256,000,000 1.051337
2011 BDMN
6,033,390,000,000
10,279,972,000,000
16,313,362,000,000
16,882,491,000,000
4,213,121,000,000
21,095,612,000,000 0.773306
2011 BEKS
273,451,000,000
520,005,000,000
793,456,000,000
515,943,000,000
77,530,000,000
593,473,000,000 1.336971
2011 BJBR
2,915,841,000,000
2,026,483,000,000
4,942,324,000,000
5,977,050,000,000
240,168,000,000
6,217,218,000,000 0.794941
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 BKSW
135,811,000,000
153,741,000,000
289,552,000,000
294,564,000,000
4,829,000,000
299,393,000,000 0.967130
2011 BMRI
15,954,037,000,000
16,312,021,000,000
32,266,058,000,000
37,730,019,000,000
11,768,351,000,000
49,498,370,000,000 0.651861
2011 BNBA
118,847,501,077
111,095,842,275
229,943,343,352
264,371,589,040
13,487,682,152
277,859,271,192 0.827553
2011 BNGA
6,864,464,000,000
5,230,507,000,000
12,094,971,000,000
14,791,294,000,000
2,261,681,000,000
17,052,975,000,000 0.709259
2011 BNII
3,919,972,000,000
5,276,919,000,000
9,196,891,000,000
8,135,520,000,000
2,023,965,000,000
10,159,485,000,000 0.905252
2011 BNLI
3,966,675,000,000
2,955,395,000,000
6,922,070,000,000
7,707,960,000,000
201,184,000,000
7,909,144,000,000 0.875198
2011 BSIM
798,535,000,000
453,308,000,000
1,251,843,000,000
1,310,172,000,000
92,748,000,000
1,402,920,000,000 0.892312
2011 BSWD
81,127,327,254
39,434,097,068
120,561,424,322
177,633,691,334
14,079,534,979
191,713,226,313 0.628863
2011 BTPN
2,829,705,000,000
3,031,455,000,000
5,861,160,000,000
7,465,651,000,000
190,792,000,000
7,656,443,000,000 0.765520
2011 BVIC
679,073,822,000
48,259,440,000
727,333,262,000
850,905,933,000
108,111,796,000
959,017,729,000 0.758415
2011 INPC
961,737,000,000
637,066,000,000
1,598,803,000,000
1,544,765,000,000
178,416,000,000
1,723,181,000,000 0.927821
2011 MAYA
714,106,654,000
399,347,843,000
1,113,454,497,000
1,267,878,652,000
105,907,155,000
1,373,785,807,000 0.810501
2011 MCOR
298,890,000,000
174,367,000,000
473,257,000,000
490,312,000,000
24,148,000,000
514,460,000,000 0.919910
2011 MEGA
2,485,184,000,000
2,539,564,000,000
5,024,748,000,000
5,191,379,000,000
963,823,000,000
6,155,202,000,000 0.816342
2011 NISP
1,931,724,000,000
1,702,935,000,000
3,634,659,000,000
4,187,166,000,000
650,866,000,000
4,838,032,000,000 0.751268
2011 PNBN
4,982,909,000,000
3,483,102,000,000
8,466,011,000,000
9,973,149,000,000
2,110,291,000,000
12,083,440,000,000 0.700629
2011 SDRA
264,902,000,000
233,762,000,000
498,664,000,000
585,141,000,000
32,228,000,000
617,369,000,000 0.807724
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAH
UN
KODE
PERUS
AHAAN
BEBAN
BUNGA
BEBAN
OPERASIONA
L
TOTAL
BIAYA
PENDAPATA
N BUNGA
PENDAPATA
N LAIN
TOTAL
PENDAPATA
N
BOPO
2012 AGRO
133,550,745,000
141,217,585,000
274,768,330,000
316,495,383,000
47,413,716,000
363,909,099,000 0.755047
2012 BABP
331,117,419,000
415,665,098,000
746,782,517,000
688,882,757,000
67,892,183,000
756,774,940,000 0.986796
2012 BAEK
752,305,000,000
885,796,000,000
1,638,101,000,000
1,710,211,000,000
1,132,686,000,000
2,842,897,000,000 0.576208
2012 BACA
269,311,000,000
139,783,000,000
409,094,000,000
431,486,000,000
40,581,000,000
472,067,000,000 0.866602
2012 BBCA
7,647,167,000,000
13,358,388,000,000
21,005,555,000,000
28,885,290,000,000
6,375,833,000,000
35,261,123,000,000 0.595714
2012 BBKP
2,664,675,000,000
1,899,777,000,000
4,564,452,000,000
5,126,381,000,000
663,749,000,000
5,790,130,000,000 0.788316
2012 BBNI
7,245,524,000,000
12,739,104,000,000
19,984,628,000,000
22,704,515,000,000
8,445,813,000,000
31,150,328,000,000 0.641554
2012 BBNP
347,507,578,000
309,365,825,000
656,873,403,000
735,796,339,000
34,755,145,000
770,551,484,000 0.852472
2012 BBRI
13,126,655,000,000
19,491,032,000,000
32,617,687,000,000
49,610,421,000,000
8,389,732,000,000
58,000,153,000,000 0.562372
2012 BBTN
4,091,760,000,000
3,213,561,000,000
7,305,321,000,000
8,818,579,000,000
571,494,000,000
9,390,073,000,000 0.777983
2012 BCIC
857,771,000,000
379,750,000,000
1,237,521,000,000
1,299,553,000,000
70,354,000,000
1,369,907,000,000 0.903361
2012 BDMN
5,936,173,000,000
12,464,306,000,000
18,400,479,000,000
18,858,281,000,000
4,648,599,000,000
23,506,880,000,000 0.782770
2012 BEKS
495,470,000,000
854,040,000,000
1,349,510,000,000
1,490,694,000,000
102,982,000,000
1,593,676,000,000 0.846791
2012 BJBR
3,140,311,000,000
2,566,496,000,000
5,706,807,000,000
6,782,159,000,000
330,362,000,000
7,112,521,000,000 0.802361
2012 BKSW
163,850,000,000
256,780,000,000
420,630,000,000
336,359,000,000
40,786,000,000
377,145,000,000 1.115300
2012 BMRI
15,019,850,000,000
18,913,028,000,000
33,932,878,000,000
42,550,442,000,000
11,897,822,000,000
54,448,264,000,000 0.623213
2012 BNBA
125,031,175,759
135,836,148,978
260,867,324,737
311,555,668,398
19,575,619,780
331,131,288,178 0.787806
2012 BNGA
6,486,352,000,000
6,056,466,000,000
12,542,818,000,000
16,195,571,000,000
2,715,310,000,000
18,910,881,000,000 0.663259
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012 BNII
4,168,848,000,000
5,740,280,000,000
9,909,128,000,000
9,482,583,000,000
2,093,909,000,000
11,576,492,000,000 0.855970
2012 BNLI
4,495,536,000,000
3,494,667,000,000
7,990,203,000,000
9,185,865,000,000
205,978,000,000
9,391,843,000,000 0.850760
2012 BSIM
671,392,000,000
665,863,000,000
1,337,255,000,000
1,451,584,000,000
171,150,000,000
1,622,734,000,000 0.824075
2012 BSWD
106,250,963,452
47,611,854,790
153,862,818,242
203,913,520,703
14,372,759,243
218,286,279,946 0.704867
2012 BTPN
3,221,836,000,000
3,866,761,000,000
7,088,597,000,000
9,292,950,000,000
282,805,000,000
9,575,755,000,000 0.740265
2012 BVIC
778,518,277,000
187,817,171,000
966,335,448,000
1,117,271,941,000
85,050,599,000
1,202,322,540,000 0.803724
2012 INPC
1,033,193,000,000
768,758,000,000
1,801,951,000,000
1,859,222,000,000
82,962,000,000
1,942,184,000,000 0.927796
2012 MAYA
821,145,184,000
483,617,657,000
1,304,762,841,000
1,563,359,296,000
173,142,125,000
1,736,501,421,000 0.751374
2012 MCOR
330,137,000,000
197,046,000,000
527,183,000,000
598,070,000,000
24,433,000,000
622,503,000,000 0.846876
2012 MEGA
2,238,937,000,000
2,771,155,000,000
5,010,092,000,000
5,581,049,000,000
967,562,000,000
6,548,611,000,000 0.765062
2012 NISP
2,358,155,000,000
1,941,498,000,000
4,299,653,000,000
4,924,182,000,000
835,854,000,000
5,760,036,000,000 0.746463
2012 PNBN
6,024,990,000,000
3,494,723,000,000
9,519,713,000,000
11,498,857,000,000
1,828,610,000,000
13,327,467,000,000 0.714293
2012 SDRA
369,500,000,000
325,386,000,000
694,886,000,000
801,920,000,000
50,803,000,000
852,723,000,000 0.814902
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAH
UN
KODE
PERUS
AHAAN
BEBAN
BUNGA
BEBAN
OPERASIONA
L
TOTAL
BIAYA
PENDAPATA
N BUNGA
PENDAPATA
N LAIN
TOTAL
PENDAPATA
N
BOPO
2013 AGRO
195,481,763,000
180,072,909,000
375,554,672,000
420,623,106,000
50,691,682,000
471,314,788,000 0.796823
2013 BABP
384,025,818,000
437,165,742,000
821,191,560,000
684,302,327,000
79,077,514,000
763,379,841,000 1.075731
2013 BAEK
886,284,000,000
964,371,000,000
1,850,655,000,000
2,045,697,000,000
1,289,099,000,000
3,334,796,000,000 0.554953
2013 BACA
344,842,000,000
142,790,000,000
487,632,000,000
553,884,000,000
18,385,000,000
572,269,000,000 0.852103
2013 BBCA
7,852,009,000,000
16,647,140,000,000
24,499,149,000,000
34,277,149,000,000
470,940,000,000
34,748,089,000,000 0.705050
2013 BBKP
3,506,183,000,000
2,159,603,000,000
5,665,786,000,000
5,950,023,000,000
785,676,000,000
6,735,699,000,000 0.841158
2013 BBNI
7,392,427,000,000
14,572,688,000,000
21,965,115,000,000
26,450,708,000,000
9,440,904,000,000
35,891,612,000,000 0.611985
2013 BBNP
475,292,849,000
347,716,272,000
823,009,121,000
906,461,725,000
53,360,327,000
959,822,052,000 0.857460
2013 BBRI
15,354,813,000,000
22,380,778,000,000
37,735,591,000,000
59,461,084,000,000
8,348,459,000,000
67,809,543,000,000 0.556494
2013 BBTN
5,129,554,000,000
3,849,042,000,000
8,978,596,000,000
10,782,877,000,000
763,983,000,000
11,546,860,000,000 0.777579
2013 BCIC
1,028,649,000,000
1,518,807,000,000
2,547,456,000,000
1,322,339,000,000
55,455,000,000
1,377,794,000,000 1.848938
2013 BDMN
6,599,794,000,000
13,568,854,000,000
20,168,648,000,000
20,130,837,000,000
5,155,638,000,000
25,286,475,000,000 0.797606
2013 BEKS
647,757,000,000
970,473,000,000
1,618,230,000,000
1,620,706,000,000
111,112,000,000
1,731,818,000,000 0.934411
2013 BJBR
3,350,845,000,000
3,487,470,000,000
6,838,315,000,000
8,096,294,000,000
457,258,000,000
8,553,552,000,000 0.799471
2013 BKSW
275,492,000,000
392,278,000,000
667,770,000,000
506,437,000,000
155,870,000,000
662,307,000,000 1.008248
2013 BMRI
17,432,216,000,000
21,500,987,000,000
38,933,203,000,000
50,208,842,000,000
14,686,637,000,000
64,895,479,000,000 0.599937
2013 BNBA
184,912,294,085
164,268,090,200
349,180,384,285
397,198,273,705
17,417,040,057
414,615,313,762 0.842179
2013 BNGA
7,749,512,000,000
6,495,003,000,000
14,244,515,000,000
17,870,203,000,000
2,619,810,000,000
20,490,013,000,000 0.695193
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 BNII
5,399,510,000,000
5,787,854,000,000
11,187,364,000,000
11,200,357,000,000
2,277,660,000,000
13,478,017,000,000 0.830045
2013 BNLI
6,791,044,000,000
3,890,770,000,000
10,681,814,000,000
11,926,599,000,000
226,132,000,000
12,152,731,000,000 0.878964
2013 BSIM
563,787,000,000
815,490,000,000
1,379,277,000,000
1,390,147,000,000
275,230,000,000
1,665,377,000,000 0.828207
2013 BSWD
134,876,471,785
134,876,471,785
269,752,943,570
275,920,901,945
29,517,501,198
305,438,403,143 0.883166
2013 BTPN
3,894,609,000,000
4,571,085,000,000
8,465,694,000,000
10,943,058,000,000
400,394,000,000
11,343,452,000,000 0.746307
2013 BVIC
1,123,819,389,000
269,430,950,000
1,393,250,339,000
1,600,960,281,000
106,499,719,000
1,707,460,000,000 0.815978
2013 INPC
942,104,000,000
775,335,000,000
1,717,439,000,000
1,940,361,000,000
84,450,000,000
2,024,811,000,000 0.848197
2013 MAYA
1,251,644,692,000
561,421,781,000
1,813,066,473,000
2,255,017,374,000
106,105,835,000
2,361,123,209,000 0.767883
2013 MCOR
361,037,000,000
215,959,000,000
576,996,000,000
649,136,000,000
32,315,000,000
681,451,000,000 0.846717
2013 MEGA
2,169,386,000,000
2,991,838,000,000
5,161,224,000,000
4,865,437,000,000
903,647,000,000
5,769,084,000,000 0.894635
2013 NISP
3,009,857,000,000
2,215,374,000,000
5,225,231,000,000
6,149,145,000,000
879,030,000,000
7,028,175,000,000 0.743469
2013 PNBN
7,120,070,000,000
3,472,114,000,000
10,592,184,000,000
12,982,201,000,000
1,352,376,000,000
14,334,577,000,000 0.738925
2013 SDRA
517,931,000,000
394,518,000,000
912,449,000,000
1,023,761,000,000
48,478,000,000
1,072,239,000,000 0.850975
Analisa Pengaruh..., Shandy, FB UMN, 2015
LAMPIRAN VI
Data Variabel Independen
Non Performing Loan (NPL)
TAHUN KODE
PERUSAHAAN
KURANG
LANCAR
DIRAGUKAN MACET INDIVIDU
AL
TOTAL
KREDIT
TIDAK
LANCAR
TOTAL
KREDIT
NPL
2011 AGRO
-
-
-
64,538,429,000
1,819,930,273,000 0.035462
2011 BABP
16,998,505,000
19,879,411,000
282,288,048,000
319,165,964,000
5,105,397,575,000 0.062515
2011 BAEK
-
-
-
104,531,000,000
14,026,182,000,000 0.007453
2011 BACA
-
-
14,161,000,000
14,161,000,000
1,758,730,000,000 0.008052
2011 BBCA
141,325,000,000
135,681,000,000
710,443,000,000
987,449,000,000
202,254,927,000,000
0.004882
2011 BBKP
54,638,000,000
134,086,000,000
963,926,000,000
1,152,650,000,000
40,748,306,000,000 0.028287
2011 BBNI
476,588,000,000
722,330,000,000
4,718,005,000,000
5,916,923,000,000
163,533,423,000,00
0 0.036182
2011 BBNP
6,281,060,000
6,360,198,000
29,429,431,000
42,070,689,000
4,810,026,912,000 0.008746
2011 BBRI
-
-
-
6,586,960,000,000
285,406,257,000,000
0.023079
2011 BBTN
177,544,000,000
196,104,000,000
1,189,699,000,000
1,563,347,000,000
63,563,684,000,000 0.024595
2011 BCIC
53,220,000,000
5,329,000,000
528,140,000,000
586,689,000,000
9,397,094,000,000 0.062433
Analisa Pengaruh..., Shandy, FB UMN, 2015
2011 BDMN
458,162,000,000
1,020,258,000,000
882,210,000,000
2,360,630,000,000
87,698,136,000,000 0.026918
2011 BEKS
11,641,000,000
15,795,000,000
296,663,000,000
324,099,000,000
3,554,336,000,000 0.091184
2011 BJBR
-
-
-
326,720,000,000
26,998,466,000,000 0.012101
2011 BKSW
-
-
-
31,590,000,000
2,002,911,000,000 0.015772
2011 BMRI
926,767,000,000
848,034,000,000
5,183,444,000,000
6,958,245,000,000
311,093,306,000,000
0.022367
2011 BNBA
-
-
-
17,541,897,004
1,634,315,958,120 0.010733
2011 BNGA
613,826,000,000
257,770,000,000
2,400,953,000,000
3,272,549,000,000
122,960,842,000,00
0 0.026615
2011 BNII
-
-
-
1,295,061,000,000
62,807,916,000,000 0.020619
2011 BNLI
423,850,000,000
168,833,000,000
809,835,000,000
1,402,518,000,000
69,541,029,000,000 0.020168
2011 BSIM
7,801,000,000
10,337,000,000
72,808,000,000
90,946,000,000
10,240,174,000,000 0.008881
2011 BSWD
-
-
-
28,440,391,936
1,436,293,082,925 0.019801
2011 BTPN
72,194,000,000
92,586,000,000
54,557,000,000
219,337,000,000
30,310,157,000,000 0.007236
2011 BVIC
-
-
-
137,991,576,000
5,802,341,922,000 0.023782
2011 INPC
169,422,000,000
795,000,000
226,223,000,000
396,440,000,000
13,399,445,000,000 0.029586
2011 MAYA
1,715,137,000
12,004,459,000
42,707,794,000
163,840,053,000
220,267,443,000
8,758,331,096,000 0.025149
2011 MCOR
9,123,000,000
71,567,000,000
65,836,000,000
146,426,000,000
4,626,933,000,000 0.031646
2011 MEGA
79,908,000,000
102,972,000,000
129,337,000,000
312,217,000,000
31,797,657,000,000 0.009819
2011 NISP
63,098,000,000
45,403,000,000
410,392,000,000
518,893,000,000
41,275,778,000,000 0.012571
2011 PNBN
113,621,000,000
98,260,000,000
2,238,000,000,000
2,449,881,000,000
71,079,802,000,000 0.034467
2011 SDRA
5,272,000,000
8,898,000,000
40,970,000,000
55,140,000,000
3,341,776,000,000 0.016500
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUSAHAAN
KURANG
LANCAR
DIRAGUKAN MACET INDIVIDU
AL
TOTAL
KREDIT
TIDAK
LANCAR
TOTAL
KREDIT
NPL
2012
AGRO
92,606,864,000
2,519,265,377,000 0.036759
2012 BABP
12,593,652,000
21,826,567,000
261,076,917,000
295,497,136,000
5,149,078,125,000 0.057388
2012
BAEK
-
-
-
47,567,000,000
17,218,191,000,000 0.002763
2012 BACA
54,478,000,000
-
5,162,000,000
59,640,000,000
2,831,618,000,000 0.021062
2012
BBCA
213,161,000,000
179,127,000,000
591,040,000,000
983,328,000,000
256,777,865,000,00
0 0.003829
2012
BBKP
141,680,000,000
92,138,000,000
1,030,695,000,000
1,264,513,000,000
45,530,740,000,000 0.027773
2012
BBNI
641,351,000,000
666,263,000,000
4,329,200,000,000
5,636,814,000,000
200,742,305,000,000
0.028080
2012
BBNP
8,897,717,000
16,200,503,000
31,853,810,000
56,952,030,000
5,884,622,960,000 0.009678
2012 BBRI
-
-
-
6,296,470,000,000
350,758,262,000,00
0 0.017951
2012
BBTN
562,195,000,000
515,296,000,000
1,900,688,000,000
2,978,179,000,000
81,410,763,000,000 0.036582
2012
BCIC
37,442,000,000
1,425,000,000
395,503,000,000
434,370,000,000
11,148,050,000,000 0.038964
2012 B DMN
450,106,000,000
634,092,000,000
1,389,621,000,000
2,425,442,000,000
93,180,861,000,000 0.026029
2012
BEKS
160,771,000,000
43,259,000,000
358,724,000,000
562,754,000,000
5,654,001,000,000 0.099532
2012 BJBR
-
-
-
732,431,000,000
35,374,390,000,000 0.020705
2012
BKSW
-
-
-
23,087,000,000
3,183,541,000,000 0.007252
2012 BMRI
1,146,506,000,000
781,695,000,000
5,316,699,000,000
7,244,900,000,000
384,581,706,000,00
0 0.018838
Analisa Pengaruh..., Shandy, FB UMN, 2015
2012
BNBA
-
-
-
14,210,370,060
2,240,960,677,140 0.006341
2012 BNGA
747,425,000,000
338,383,000,000
2,158,072,000,000
3,243,880,000,000
140,776,159,000,00
0 0.023043
2012 BNII
-
-
-
1,275,177,000,000
76,087,918,000,000 0.016759
2012
BNLI
392,137,000,000
117,916,000,000
781,750,000,000
1,291,803,000,000
95,055,504,000,000 0.013590
2012 BSIM
236,999,000,000
23,779,000,000
71,310,000,000
332,088,000,000
10,386,084,000,000 0.031974
2012
BSWD
-
-
-
25,686,223,107
1,838,288,366,540 0.013973
2012 BTPN
70,631,000,000
88,827,000,000
64,781,000,000
224,239,000,000
38,844,096,000,000 0.005773
2012
BVIC
-
-
-
179,634,329,000
7,823,868,186,000 0.022960
2012 INPC
88,043,000,000
6,751,000,000
34,823,000,000
129,616,000,000
15,212,135,000,000 0.008521
2012
MAYA
247,314,256,000
8,840,537,000
46,587,610,000
66,755,346,000
369,497,749,000
12,216,246,723,000 0.030246
2012 MCOR
26,076,000,000
13,840,000,000
49,002,000,000
88,918,000,000
4,525,245,000,000 0.019649
2012
MEGA
103,532,000,000
157,298,000,000
304,740,000,000
565,570,000,000
26,986,195,000,000 0.020958
2012 NISP
44,063,000,000
27,150,000,000
406,382,000,000
477,595,000,000
52,732,012,000,000 0.009057
2012
PNBN
-
-
-
1,519,660,000,000
92,961,240,000,000 0.016347
2012 SDRA
13,924,000,000
14,333,000,000
76,214,000,000
104,471,000,000
5,260,844,000,000 0.019858
Analisa Pengaruh..., Shandy, FB UMN, 2015
TAHUN KODE
PERUSAHAAN
KURANG
LANCAR
DIRAGUKAN MACET INDIVIDU
AL
TOTAL
KREDIT
TIDAK
LANCAR
TOTAL
KREDIT
NPL
2013 AGRO
-
-
-
81,444,065,000
3,589,219,037,000
0.022691
2013 BABP
7,267,791,000
13,554,479,000
246,454,366,000
267,276,636,000
5,516,240,218,000
0.048453
2013 BAEK
-
-
-
179,212,000,000
19,624,792,000,000
0.009132
2013 BACA
2,088,000,000
600,000,000
11,079,000,000
13,767,000,000
3,743,319,000,000
0.003678
2013 BBCA
242,509,000,000
300,745,000,000
829,506,000,000
1,372,760,000,000
312,290,388,000,00
0
0.004396
2013 BBKP
67,410,000,000
54,683,000,000
1,053,679,000,000
1,175,772,000,000
48,461,043,000,000
0.024262
2013 BBNI
546,276,000,000
736,350,000,000
4,138,417,000,000
5,421,043,000,000
250,637,843,000,00
0
0.021629
2013 BBNP
12,979,054,000
10,534,256,000
41,120,500,000
64,633,810,000
7,066,300,093,000
0.009147
2013 BBRI
-
-
-
6,735,938,000,000
434,316,466,000,00
0
0.015509
2013 BBTN
368,471,000,000
440,012,000,000
2,728,591,000,000
3,537,074,000,000
100,467,391,000,00
0
0.035206
2013 BCIC
90,417,000,000
48,521,000,000
1,227,727,000,000
1,366,665,000,000
11,131,807,000,000
0.122771
2013 BDMN
376,519,000,000
677,491,000,000
1,079,284,000,000
2,133,294,000,000
105,780,641,000,00
0
0.020167
2013 BEKS
73,192,000,000
49,300,000,000
335,732,000,000
458,224,000,000
6,788,775,000,000
0.067497
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 BJBR
-
-
-
1,282,453,000,000
45,308,580,000,000
0.028305
2013 BKSW
-
-
-
18,943,000,000
8,208,542,000,000
0.002308
2013 BMRI
1,188,381,000,000
1,019,278,000,000
6,722,351,000,000
8,930,010,000,000
467,170,449,000,00
0
0.019115
2013 BNBA
-
-
-
6,062,208,245
2,827,421,522,537
0.002144
2013 BNGA
816,247,000,000
274,542,000,000
2,357,419,000,000
3,448,208,000,000
149,691,501,000,00
0
0.023035
2013 BNII
-
-
-
2,009,075,000,000
95,469,670,000,000
0.021044
2013 BNLI
278,184,000,000
146,258,000,000
799,929,000,000
1,224,371,000,000
119,771,487,000,00
0
0.010223
2013 BSIM
186,398,000,000
16,873,000,000
73,291,000,000
276,562,000,000
10,966,071,000,000
0.025220
2013 BSWD
-
-
-
40,939,741,749
2,569,319,049,474
0.015934
2013 BTPN
106,199,000,000
123,080,000,000
79,121,000,000
308,400,000,000
46,105,437,000,000
0.006689
2013 BVIC
-
-
-
104,559,744,000
11,308,619,696,000
0.009246
2013 INPC
16,231,000,000
90,694,000,000
194,948,000,000
301,873,000,000
15,431,270,000,000
0.019562
2013 MAYA
50,732,818,000
3,230,146,000
58,338,126,000
71,405,409,000
183,706,499,000
17,683,638,543,000
0.010389
2013 MCOR
8,484,000,000
20,145,000,000
63,935,000,000
92,564,000,000
5,483,875,000,000
0.016879
2013 MEGA
126,707,000,000
99,854,000,000
429,258,000,000
655,819,000,000
30,172,864,000,000
0.021735
2013 NISP
72,197,000,000
45,097,000,000
350,991,000,000
468,285,000,000
63,759,436,000,000
0.007345
Analisa Pengaruh..., Shandy, FB UMN, 2015
2013 PNBN
-
-
-
2,224,088,000,000
104,829,874,000,000
0.021216
2013 SDRA
38,175,000,000
14,092,000,000
111,651,000,000
163,918,000,000
6,136,954,000,000
0.026710
Analisa Pengaruh..., Shandy, FB UMN, 2015
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