Lampiran 1. Kuesioner Penelitian
KUESIONER PENELITIAN
ANALISA PINJAMAN PROGRAM KEMITRAAN PADA PENINGKATAN KINERJA MITRA BINAAN PT SUCOFINDO (PERSERO) DI JABOTABEK
HERI SUPRAYITNO
SEKOLAH PASCASARJANA INSTITUT PERTANIAN BOGOR BOGOR 2012
74
Lanjutan Lampiran 1
PENGANTAR
Maksud Dalam rangka melakukan penelitian untuk keperluan tugas akhir yang berjudul “ Analisa Pinjaman Program Kemitraan Pada Peningkatan Kinerja Mitra Binaan PT SUCOFINDO (Persero) di Jabotabek“ kami bermaksud melakukan penelitian peninjauan lapangan melalui pengisian kuesioner. Tujuan Kuesioner ini bertujuan memperoleh data statistik mengenai kinerja mitra binaan PT SUCOFINDO yang berhubungan dengan pengaruh pinjaman program kemitraan PT SUCOFINDO . Kegunaan Kuesioner Data yang diperoleh akan disajikan secara statistik dengan harapan hasilnya dapat menggambarkan pengaruh adanya pinjaman program kemitraan PT SUCOFINDO terhadap peningkatan kinerja Mitra Usaha. Hasil analisis tersebut diharapkan dapat digunakan PT SUCOFINDO maupun Perusahaan BUMN lainnya dalam melakukan evalusi terhadap kebijakan penyaluran pinjaman program kemitraan kepada mitra binaan atau UKM lainnya dalam rangka membantu program Pemerintah menggerakkan sektor riil perekonomian Nasional. Demikian disampaikan, atas perhatian dan kesediaan Bpk/Ibu mengisi kuesioner ini, kami ucapkan terima kasih.
Hormat Kami,
Heri Suprayitno / PO54090025 Mahasiswa Program Pascasarjana MPI Institut Pertanian Bogor.
75
Lanjutan Lampiran 1
I.
DATA UMUM PROFIL MITRA BINAAN
Petunjuk pengisian : Isilah data yang sesuai pada tempat yang bertanda titik titik atau jika tidak terdapat data agat diberi tanda --- atau XX
1. Jenis Usaha
: ....................................................................................................
2. Umur pemilik
: ....................................................................................................
3. Nama Usaha / Toko
: ....................................................................................................
4. Lokasi Usaha
: ....................................................................................................
5. Tanggal /Bulan / Tahun Mulai Usaha
: ....................................................................................................
6. Bentuk Usaha
: ....................................................................................................
7. Jumlah Modal Awal
: ....................................................................................................
8. Tanggal /Bulan / Tahun mendapatkan bantuan
:..................................................................................................... II.
KINERJA USAHA
A. Kinerja usaha satu tahun setelah mendapatkan pinjaman program kemitraan PT Sucofindo (Persero), (dibatasi satu periode atau satu tahun ) 1) Penjualan rata-rata per bulan
Rp. ..................................
2) Harga Pokok Penjualan (HPP) / pembelian per bulan
Rp. ...................................
3) Biaya operasional rata-rata per bulan
Rp. ...................................
76
Lanjutan Lampiran 1 4) Pajak per bulan
Rp. ...................................
5) Laba per bulan
Rp. ..................................
6) Aset terdiri dari : sejumlah
Rp. ...................................
-
Kas rata-rata per bulan
Rp. ...............................
-
Persediaan rata-rata per bulan
Rp. ...............................
-
Kendaraan
Rp. ...............................
-
Bangunan / Toko
Rp. ...............................
-
Tanah
Rp. ...............................
-
Hutang usaha
Rp. ...............................
-
Lain-lain (bila ada tambahkan)
Rp. ...................................
7) Modal Kerja
Rp. ..................................
8) Jumlah Pegawai / karyawan
..........................................
B. Kinerja usaha sebelum mengajukan pinjaman program kemitraan PT Sucofindo (Persero) (dibatasi satu periode atau satu tahun ) 1) Penjualan rata-rata per bulan
Rp. ...................................
2) Harga Pokok Penjualan (HPP) / pembelian per bulan
Rp. ...................................
3) Biaya operasional rata-rata per bulan
Rp. ...................................
4) Pajak per bulan
Rp. ...................................
5) Laba per bulan
Rp. ...................................
6) Aset terdiri dari : sejumlah
Rp. ...................................
-
Kas rata-rata per bulan
Rp. ...............................
-
Persediaan rata-rata per bulan
Rp. ...............................
-
Kendaraan
Rp. ...............................
77
Lanjutan Lampiran 1 -
Bangunan / Toko
Rp. ...............................
-
Tanah
Rp. ...............................
-
Hutang usaha
Rp. ...............................
-
Lain-lain (bila ada tambahkan)
Rp. ...............................
7) Modal Kerja
Rp. ...................................
8) Jumlah Pegawai / karyawan
..........................................
C. Informasi lainnya. (Mohon diisi pertanyaan dibawah dengan tanda X ) 1) Pemasaran Produk/Jasa 1. Cara pemasaran produk Langsung kepasar tradisional Langsung ke konsumen Ekspor Lainnya, sebutkan ………………………………….................... 2) Pesaing 2. Bagaimanakah pengaruh pesaing lainnya untuk jenis produk/Jasa yang sama ? Tidak ada Sangat berpengaruh Biasa-biasa saja Lainnya, sebutkan ………………………………….................... 3) Peran dan Fungsi Program Kemitraan dan Bina Lingkungan (PKBL) BUMN. 1. Menurut Saudara, bagaimanakah manfaat pinjaman PKBL BUMN untuk usaha kecil menengah (UKM) ? Sangat berpengaruh Tidak ada pengaruhnya Biasa-biasa saja Lainnya, sebutkan …………………………………....................
78
Lanjutan Lampiran 1 2. Bagaimanakah mendapatkan pinjaman program kemitraan BUMN ? Mudah Sulit Sangat sulit Lainnya, sebutkan …………………………………....................
4. Bagaimanakah persyaratan dokumen yang harus dipenuhi oleh para UKM untuk mendapatkan pinjaman PKBL BUMN ? Sederhana dan mudah untuk dipenuhi Sangat sulit untuk dipenuhi, terlalu bebelit-belit Biasa-biasa saja Lainnya, sebutkan …………………………………....................
5. Berdasarkan pengalaman Saudara, pada saat mengajukan pinjaman program kemitraan, apakah dipersulit ? bahkan berbelit-belit ? Ya
Tidak
6. Menurut Saudara, apakah dengan penambahan modal melalui pinjaman program kemitraan BUMN, usaha Saudara akan bertambah maju, serta produksi akan meningkat ? Ya
Tidak
7. Bagaimanakah pembayaran angsuran pinjaman program kemitraan saudara ke PT SUCOFINDO ? Lancar Kurang lancar Diragukan Macet Lainnya, sebutkan …………………………………....................
= Terima Kasih Atas Kerjasamanya =
79
Lampiran 2. Profil Mitra Binaan PT Sucofindo (Persero)
80
Lampiran 3. Perbandingan Profitabilitas Usaha Mitra Binaan PT Sucofindo (Persero)
Lampiran 4. Sektor Usaha Mitra Binaan PT Sucofindo (Persero) No
Mitra Binaan
Sektor Usaha
Tahun Mulai Usaha
1
2
3
4
5
6
7
PM ( % ) Sebelum
ROTA ( % )
Sesudah Sebelum
ROE ( % )
Sesudah Sebelum 8
9
PMK ( % )
Penjualan (Rp) Penjualan (Rp)
Sesudah Sebelum Sesudah 10
11
12
Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Kenaikan sth dpt pinjaman
Sebelum
Sesudah
%
Sebelum
Sesudah
%
13
14
15
16
17
18
A
Perdagangan
1
UD. Sanim
Perdagangan
2005
14%
15%
19%
24%
14%
18%
12
14
18,750,000
22,000,000
17%
3
3
0%
2
Agen Sembako Jaya
Perdagangan
1990
13%
18%
13%
21%
11%
17%
10
12
72,970,400
85,300,000
17%
5
9
80%
3
Ikan Basah & Ayam
Perdagangan
1981
13%
15%
16%
23%
8%
11%
8
10
12,000,000
15,000,000
25%
6
7
17%
4
Pedagang Daging
Perdagangan
1990
14%
16%
12%
16%
9%
12%
8
9
35,000,000
40,000,000
14%
5
5
0%
5
Pedagang Sembako
Perdagangan
1995
13%
19%
15%
18%
13%
21%
13
14
28,500,000
32,500,000
14%
3
3
0%
6
Soto Kwali
Perdagangan
1999
18%
19%
23%
28%
18%
22%
15
17
24,500,000
29,000,000
18%
6
8
33%
7
Koperasi Kohanudnas
Perdagangan
1992
17%
21%
9%
13%
9%
13%
8
8
31,330,180
34,463,198
10%
7
8
14%
8
Dian Anugrah
Perdagangan
2003
20%
22%
12%
15%
13%
17%
10
11
35,593,500
42,060,000
18%
5
6
20%
9
RM Makan Sate Madura H. Ali
Perdagangan
2001
20%
22%
23%
27%
20%
23%
13
13
65,000,000
69,000,000
6%
11
12
9%
10
Mie 87
Perdagangan
1996
14%
19%
13%
22%
10%
17%
9
11
13,800,000
18,000,000
30%
3
3
0%
11
Nurlailah RM Betawi
Perdagangan
1995
26%
28%
9%
14%
33%
50%
26
37
32,000,000
46,600,000
46%
7
10
43%
Sub Total
184%
215%
164%
221%
157%
221%
129
158
369,444,080
433,923,198
17%
61
74
21%
Sub Rataan
17%
20%
15%
20%
14%
20%
12
14
33,585,825
39,447,563
17%
6
7
21%
B
Industri, Agrobisnis, Jasa
1
Batikku Batikmu
Industri Kerajinan
1995
18%
21%
17%
22%
17%
22%
16
19
28,500,000
32,500,000
14%
4
6
50%
2
SP Asia
Industri Kerajinan
1996
14%
17%
9%
14%
8%
12%
8
11
49,500,000
64,625,000
31%
8
9
13%
3
PT Unique Handicraft
Industri Kerajinan
2002
18%
20%
21%
28%
13%
18%
12
14
17,000,000
20,000,000
18%
3
3
0%
4
Made In Heaven
Industri Kerjinan
2005
21%
23%
13%
17%
16%
21%
12
14
7,500,000
9,000,000
20%
2
2
0%
5
Budi Andhika, PD
Industri Farmasi
1996
17%
19%
7%
11%
21%
30%
20
24
40,815,000
50,980,000
25%
11
13
18%
6
Sinar Surya
Industri Konveksi
1998
17%
19%
19%
23%
23%
29%
22
26
73,000,000
85,000,000
16%
15
15
0%
7
Kel. Gunung Djati
Industri Konveksi
2000
13%
15%
10%
15%
11%
17%
18
24
30,130,000
40,000,000
33%
12
15
25%
8
LOLA
Industri Konveksi
1997
17%
21%
14%
18%
12%
16%
14
15
82,500,000
117,000,000
42%
16
17
6%
9
Nurika Konveksi
Industri Konveksi
1989
21%
28%
9%
12%
22%
33%
18
21
52,750,000
60,000,000
14%
2
4
100%
10
CV Ida Busana
Industri Konveksi
2002
26%
29%
21%
25%
14%
17%
16
16
28,700,000
34,500,000
20%
8
9
13%
81
82
Lanjutan Lampiran 4 Tahun PM ( % ) ROTA ( % ) ROE ( % ) PMK ( % ) Mulai Usaha Sebelum Sesudah Sebelum Sesudah Sebelum Sesudah Sebelum Sesudah
No
Mitra Binaan
Sektor Usaha
1
2
3
4
5
6
7
8
9
10
11
12
Pegawai
Pegawai
Sesudah
Kenaikan sth dpt pinjaman %
Sebelum
Sesudah
Kenaikan sth dpt pinjaman %
14
15
16
17
18
Penjualan (Rp)
Penjualan (Rp)
Sebelum 13
11
CV. Ilhammi
Industri Makanan
2006
19%
22%
13%
25%
11%
21%
12
14
56,400,000
64,800,000
15%
10
14
40%
12
Aneka Kue Ibu Andri
Industri Makanan
1993
23%
24%
16%
21%
18%
25%
15
20
25,600,000
33,300,000
30%
3
5
67%
13
Kel. Tahu Benny Hasyim
Industri Makanan
1991
23%
28%
13%
17%
16%
21%
14
16
30,000,000
34,000,000
13%
6
7
17%
14
Ikan Hias Sejahtera
Agribisnis
1998
20%
23%
11%
15%
8%
11%
10
12
12,000,000
14,500,000
21%
3
4
33%
15
Sapi Sumber Agung
Agribisnis
1998
19%
22%
16%
24%
14%
20%
10
14
21,500,000
28,400,000
32%
4
4
0%
16
Sapi Sumber Karya
Agribisnis
1998
19%
21%
20%
23%
14%
19%
10
13
22,200,000
27,000,000
22%
4
4
0%
17
Sapi Sumber Mulia
Agribisnis
1998
19%
21%
16%
23%
13%
20%
10
13
21,300,000
27,500,000
29%
8
10
25%
18
Prima Muwardi Motor
Jasa
1997
23%
29%
6%
10%
17%
26%
15
17
48,500,000
58,000,000
20%
7
9
29%
19
Bengkel Serdang Motor
Jasa
2003
25%
29%
7%
11%
15%
23%
14
14
58,800,000
68,000,000
16%
8
8
0%
20
Wisma Honda Motor
Jasa
2000
24%
28%
6%
8%
13%
16%
11
11
61,500,000
72,000,000
17%
8
8
0%
21
Bengkel Griya Motor
Jasa
1998
24%
26%
7%
8%
19%
26%
16
19
52,000,000
64,000,000
23%
8
8
0%
22
Dunia AC Mobil
Jasa
1996
26%
29%
18%
25%
18%
25%
14
17
35,000,000
42,000,000
20%
3
3
0%
23
Bengkel Buaran Indah
Jasa
1993
25%
27%
6%
8%
15%
18%
14
15
54,500,000
68,750,000
26%
7
8
14%
24
Farhan Motor
Jasa
2002
23%
24%
7%
8%
21%
26%
16
20
53,600,000
65,500,000
22%
6
9
50%
25
Pramuka Motor
Jasa
2005
26%
28%
9%
11%
22%
27%
17
19
62,500,000
72,500,000
16%
8
8
0%
26
Subur Jaya Motor
Jasa
2005
26%
28%
6%
9%
17%
25%
14
18
45,650,000
61,500,000
35%
6
7
17%
1045%
1220%
1017%
1231%
1307%
1563%
379
449
1,071,445,013
1,315,355,014
23%
196
226
15%
40%
47%
39%
47%
50%
60%
41,209,424
50,590,577
23%
8
9
15%
1230%
1434%
1181%
1452%
1464%
1784%
1,440,889,093
1,749,278,212
257
300
33%
39%
32%
39%
40%
48%
Sub Total Sub Rataan Total Rataan
15 508 14
17 607 16
38942948
47277790
7
8
Lampiran 5. Mitra Usaha Binaan Berdasarakan Jangka Waktu Kredit
No
Mitra Binaan
1 A 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
2 Jangka Waktu 12 Bulan UD. Sanim Agen Sembako Jaya Ikan Basah & Ayam Pedagang Daging Pedagang Sembako Koperasi Kohanudnas Dian Anugrah RM Makan Sate Madura H. Ali Mie 87 Batikku Batikmu PT Unique Handicraft Made In Heaven Budi Andhika, PD CV Ida Busana CV. Ilhammi Kel. Tahu Benny Hasyim Ikan Hias Sejahtera Sapi Sumber Agung Sapi Sumber Karya Sapi Sumber Mulia Dunia AC Mobil Sub Total Sub Rataan
PM ( % )
Jangka Waktu
Sebelum
ROTA ( % )
Sesudah Sebelum
3
4
5
6
12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12
14% 13% 13% 14% 13% 17% 20% 20% 14% 18% 18% 21% 17% 26% 19% 23% 20% 19% 19% 19% 26% 384% 18%
15% 18% 15% 16% 19% 21% 22% 22% 19% 21% 20% 23% 19% 29% 22% 28% 23% 22% 21% 21% 29% 445% 21%
19% 13% 16% 12% 15% 9% 12% 23% 13% 17% 21% 13% 7% 21% 13% 13% 11% 16% 20% 16% 18% 319% 15%
ROE ( % )
Sesudah Sebelum 7 24% 21% 23% 16% 18% 13% 15% 27% 22% 22% 28% 17% 11% 25% 25% 17% 15% 24% 23% 23% 25% 434% 21%
8 14% 11% 8% 9% 13% 9% 13% 20% 10% 17% 13% 16% 21% 14% 11% 16% 8% 14% 14% 13% 18% 281% 13%
PMK ( % )
Sesudah Sebelum 9 18% 17% 11% 12% 21% 13% 17% 23% 17% 22% 18% 21% 30% 17% 21% 21% 11% 20% 19% 20% 25% 392% 19%
10 12 10 8 8 13 8 10 13 9 16 12 12 20 16 12 14 10 10 10 10 14 245 12
Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Sesudah
%
Sebelum
Sesudah
%
13
14
15
16
17
Penjualan
Penjualan
Sesudah
Sebelum
11
12 18,750,000 72,970,400 12,000,000 35,000,000 28,500,000 31,330,180 35,593,500 65,000,000 13,800,000 28,500,000 17,000,000 7,500,000 40,815,000 28,700,000 56,400,000 30,000,000 12,000,000 21,500,000 22,200,000 21,300,000 35,000,000 633,859,080 30,183,766
22,000,000 85,300,000 15,000,000 40,000,000 32,500,000 34,463,198 42,060,000 69,000,000 18,000,000 32,500,000 20,000,000 9,000,000 50,980,000 34,500,000 64,800,000 34,000,000 14,500,000 28,400,000 27,000,000 27,500,000 42,000,000 743,503,198 35,404,914
14 12 10 9 14 8 11 13 11 19 14 14 24 16 14 16 12 14 13 13 17 289 14
17% 17% 25% 14% 14% 10% 18% 6% 30% 14% 18% 20% 25% 20% 15% 13% 21% 32% 22% 29% 20% 17% 17%
3 5 6 5 3 7 5 11 3 4 3 2 11 8 10 6 3 4 4 8 3 114 5
3 9 7 5 3 8 6 12 3 6 3 2 13 9 14 7 4 4 4 10 3 135 6
Kenaikan sth dpt pinjaman
0% 80% 17% 0% 0% 14% 20% 9% 0% 50% 0% 0% 18% 13% 40% 17% 33% 0% 0% 25% 0% 18% 18%
83
84
Lanjutan Lampiran 5
No 1 B 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Mitra Binaan 2 Jangka Waktu 24 Bulan Soto Kwali SP Asia Sinar Surya Kel. Gunung Djati LOLA Nurika Konveksi Nurlailah RM Betawi Aneka Kue Ibu Andri Prima Muwardi Motor Bengkel Serdang Motor Wisma Honda Motor Bengkel Griya Motor Bengkel Buaran Indah Farhan Motor Pramuka Motor Subur Jaya Motor Sub Total Sub Rataan Total Rataan
Jangka Waktu 3 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24
PM ( % ) Sebelum 4 18% 14% 17% 13% 17% 21% 26% 23% 23% 25% 24% 24% 25% 23% 26% 26% 346% 22% 730% 20%
ROTA ( % )
Sesudah Sebelum 5 6 19% 17% 19% 15% 21% 28% 28% 24% 29% 29% 28% 26% 27% 24% 28% 28% 390% 24% 834% 23%
23% 9% 19% 10% 14% 9% 9% 16% 6% 7% 6% 7% 6% 7% 9% 6% 162% 10% 481% 13%
ROE ( % )
Sesudah Sebelum 7 8 28% 14% 23% 15% 18% 12% 14% 21% 10% 11% 8% 8% 8% 8% 11% 9% 218% 14% 652% 18%
18% 8% 23% 11% 12% 22% 33% 18% 17% 15% 13% 19% 15% 21% 22% 17% 283% 18% 564% 15%
PMK ( % )
Sesudah Sebelum 9 10 22% 12% 29% 17% 16% 33% 50% 25% 26% 23% 16% 26% 18% 26% 27% 25% 392% 24% 784% 21%
15 8 22 18 14 18 26 15 15 14 11 16 14 16 17 14 253 16 497 13
Sesudah 11 17 11 26 24 15 21 37 20 17 14 11 19 15 20 19 18 306 19 595 16
Penjualan
Penjualan
Sebelum 12
Sesudah 13
24,500,000 49,500,000 73,000,000 30,130,000 82,500,000 52,750,000 32,000,000 25,600,000 48,500,000 58,800,000 61,500,000 52,000,000 54,500,000 53,600,000 62,500,000 45,650,000 1,527,372,858 72,732,041 2,161,231,938 58411674
29,000,000 64,625,000 85,000,000 40,000,000 117,000,000 60,000,000 46,600,000 33,300,000 58,000,000 68,000,000 72,000,000 64,000,000 68,750,000 65,500,000 72,500,000 61,500,000 1,854,183,125 88,294,435 2,597,686,323 70207738
Kenaikan sth dpt pinjaman % 14 18% 31% 16% 33% 42% 14% 46% 30% 20% 16% 17% 23% 26% 22% 16% 35% 21% 21% 20% 20%
Pegawai
Pegawai
Sebelum 15
Sesudah 16
6 8 15 12 16 2 7 3 7 8 8 8 7 6 8 6 272 13 386 10
8 9 15 15 17 4 10 5 9 8 8 8 8 9 8 7 318 15 453 12
Kenaikan sth dpt pinjaman % 17 33% 13% 0% 25% 6% 100% 43% 67% 29% 0% 0% 0% 14% 50% 0% 17% 17% 17% 17% 17%
Lampiran 6. Mitra Usaha Binaan Berdasarkan Lama Usaha No
Mitra Binaan
Tahun Mulai Usaha
Sebelum
1
2
3
4
5
6
PM ( % )
ROTA ( % )
Sesudah Sebelum
ROE ( % )
Sesudah Sebelum 7
8
PMK ( % )
Sesudah Sebelum Sesudah 9
10
11
Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Sesudah
%
Sebelum
Sesudah
%
13
14
15
16
17
Penjualan (Rp)
Penjualan (Rp)
Sebelum 12
Kenaikan sth dpt pinjaman
A
< DARI 10 TAHUN
1
UD. Sanim
2005
14%
15%
19%
24%
14%
18%
12
14
18,750,000
22,000,000
17%
3
3
0%
2
PT Unique Handicraft
2002
18%
20%
21%
28%
13%
18%
12
14
17,000,000
20,000,000
18%
3
3
0%
3
Made In Heaven
2005
21%
23%
13%
17%
16%
21%
12
14
7,500,000
9,000,000
20%
2
2
0%
4
CV Ida Busana
2002
26%
29%
21%
25%
14%
17%
16
16
28,700,000
34,500,000
20%
8
9
13%
5
CV. Ilhammi
2006
19%
22%
13%
25%
11%
21%
12
14
56,400,000
64,800,000
15%
10
14
40%
6
Farhan Motor
2002
23%
24%
7%
8%
21%
26%
16
20
53,600,000
65,500,000
22%
6
9
50%
7
Pramuka Motor
2005
26%
28%
9%
11%
22%
27%
17
19
62,500,000
72,500,000
16%
8
8
0%
8
Subur Jaya Motor
2005
26%
28%
6%
9%
17%
25%
14
18
45,650,000
61,500,000
35%
6
7
17%
110
129
290,100,000
349,800,000
21%
46
55
20%
36,262,500
43,725,000
21%
Sub Total Sub Rataan
172%
188%
109%
146%
127%
171%
22%
23%
14%
18%
16%
21%
14
16
6
7
20%
B
≥ 10 TAHUN
1
Dian Anugrah
2003
20%
22%
12%
15%
13%
17%
10
11
35,593,500
42,060,000
18%
5
6
2
RM Makan Sate Madura H. Ali
2001
20%
22%
23%
27%
20%
23%
13
13
65,000,000
69,000,000
6%
11
12
9%
3
Agen Sembako Jaya
1990
13%
18%
13%
21%
11%
17%
10
12
72,970,400
85,300,000
17%
5
9
80%
4
Ikan Basah & Ayam
1981
13%
15%
16%
23%
8%
11%
8
10
12,000,000
15,000,000
25%
6
7
17%
5
Pedagang Daging
1990
14%
16%
12%
16%
9%
12%
8
9
35,000,000
40,000,000
14%
5
5
0%
6
Pedagang Sembako
1995
13%
19%
15%
18%
13%
21%
13
14
28,500,000
32,500,000
14%
3
3
0%
7
Soto Kwali
1999
18%
19%
23%
28%
18%
22%
15
17
24,500,000
29,000,000
18%
6
8
33%
8
Koperasi Kohanudnas
1992
17%
21%
9%
13%
9%
13%
8
8
31,330,180
34,463,198
10%
7
8
14%
9
Mie 87
1996
14%
19%
13%
22%
10%
17%
9
11
13,800,000
18,000,000
30%
3
3
0%
10
Nurlailah RM Betawi
1995
26%
28%
9%
14%
33%
50%
26
37
32,000,000
46,600,000
46%
7
10
43%
11
Bengkel Serdang Motor
2003
25%
29%
7%
11%
15%
23%
14
14
58,800,000
68,000,000
16%
8
8
0%
12
Batikku Batikmu
1995
18%
21%
17%
22%
17%
22%
16
19
28,500,000
32,500,000
14%
4
6
50%
13
SP Asia
1996
14%
17%
9%
14%
8%
12%
8
11
49,500,000
64,625,000
31%
8
9
13%
14
Budi Andhika, PD
1996
17%
19%
7%
11%
21%
30%
20
24
40,815,000
50,980,000
25%
11
13
18%
15
Sinar Surya
1998
17%
19%
19%
23%
23%
29%
22
26
73,000,000
85,000,000
16%
15
15
0%
20%
85
86
Lanjutan Lampiran 6 Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Kenaikan sth dpt pinjaman
Sesudah
%
Sebelum
Sesudah
%
13
14
15
16
17
No
Mitra Binaan
Tahun Mulai Usaha
Sebelum
1
2
3
4
5
6
16
Kel. Gunung Djati
2000
13%
15%
10%
15%
11%
17%
18
24
30,130,000
40,000,000
33%
12
15
17
LOLA
1997
17%
21%
14%
18%
12%
16%
14
15
82,500,000
117,000,000
42%
16
17
6%
18
Nurika Konveksi
1989
21%
28%
9%
12%
22%
33%
18
21
52,750,000
60,000,000
14%
2
4
100%
19
Aneka Kue Ibu Andri
1993
23%
24%
16%
21%
18%
25%
15
20
25,600,000
33,300,000
30%
3
5
67%
20
Kel. Tahu Benny Hasyim
1991
23%
28%
13%
17%
16%
21%
14
16
30,000,000
34,000,000
13%
6
7
17%
21
Ikan Hias Sejahtera
1998
20%
23%
11%
15%
8%
11%
10
12
12,000,000
14,500,000
21%
3
4
33%
22
Sapi Sumber Agung
1998
19%
22%
16%
24%
14%
20%
10
14
21,500,000
28,400,000
32%
4
4
0%
23
Sapi Sumber Karya
1998
19%
21%
20%
23%
14%
19%
10
13
22,200,000
27,000,000
22%
4
4
0%
24
Sapi Sumber Mulia
1998
19%
21%
16%
23%
13%
20%
10
13
21,300,000
27,500,000
29%
8
10
25%
25
Prima Muwardi Motor
1997
23%
29%
6%
10%
17%
26%
15
17
48,500,000
58,000,000
20%
7
9
29%
26
Wisma Honda Motor
2000
24%
28%
6%
8%
13%
16%
11
11
61,500,000
72,000,000
17%
8
8
0%
27
Bengkel Griya Motor
1998
24%
26%
7%
8%
19%
26%
16
19
52,000,000
64,000,000
23%
8
8
0%
28
Dunia AC Mobil
1996
26%
29%
18%
25%
18%
25%
14
17
35,000,000
42,000,000
20%
3
3
0%
29
Bengkel Buaran Indah
1993
25%
27%
6%
8%
15%
18%
14
15
54,500,000
68,750,000
26%
7
8
14%
398
476
316,500,000
387,650,000
22%
49
54
10%
48,456,250
22%
737,450,000
22%
Sub Total Sub Rataan Total Rataan
PM ( % )
ROTA ( % )
Sesudah Sebelum
ROE ( % )
Sesudah Sebelum 7
8
PMK ( % )
Sesudah Sebelum Sesudah 9
958%
1146%
972%
1205%
1236%
1513%
33%
40%
34%
42%
43%
52%
1130%
1334%
1081%
1352%
1364%
1684%
31%
36%
29%
37%
37%
46%
10
11
14 507 14
16 606 16
Penjualan (Rp)
Penjualan (Rp)
Sebelum 12
39562500 606,600,000 16394595
19931081
22%
6 95 3
7 109 3
25%
10% 15% 15%
Lampiran 7 Kinerja Mitra Binaan PT Sucofindo (Persero) Berdasarkan Total Asset No 1 A 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27
Mitra Usaha 2 ASSET < DARI 100 JUTA UD. Sanim Agen Sembako Jaya Ikan Basah & Ayam Pedagang Daging Pedagang Sembako Soto Kwali Koperasi Kohanudnas Dian Anugrah RM Makan Sate Madura H. Ali Mie 87 Nurlailah RM Betawi Batikku Batikmu SP Asia PT Unique Handicraft Made In Heaven Budi Andhika, PD Sinar Surya Kel. Gunung Djati CV Ida Busana CV. Ilhammi Aneka Kue Ibu Andri Kel. Tahu Benny Hasyim Ikan Hias Sejahtera Sapi Sumber Agung Sapi Sumber Karya Sapi Sumber Mulia Dunia AC Mobil Sub Total Sub Rataan
Total Asset 3 14,160,000 73,864,500 9,730,000 40,822,000 35,000,000 20,000,000 53,700,000 59,743,333 55,582,917 15,824,444 95,724,000 31,000,000 75,000,000 14,500,000 12,000,000 91,500,000 70,000,000 40,000,000 38,776,667 57,742,733 37,000,000 55,000,000 22,000,000 25,000,000 25,000,000 25,000,000 50,000,000
PM ( % ) Sebelum 4 14% 13% 13% 14% 13% 18% 17% 20% 20% 14% 26% 18% 14% 18% 21% 17% 17% 13% 26% 19% 23% 23% 20% 19% 19% 19% 26% 496% 18%
ROTA ( % )
Sesudah Sebelum 5 6 15% 18% 15% 16% 19% 19% 21% 22% 22% 19% 28% 21% 17% 20% 23% 19% 19% 15% 29% 22% 24% 28% 23% 22% 21% 21% 29% 566% 21%
19% 13% 16% 12% 15% 23% 9% 12% 23% 13% 9% 17% 9% 21% 13% 7% 19% 10% 21% 13% 16% 13% 11% 16% 20% 16% 18% 405% 15%
ROE ( % )
Sesudah Sebelum 7 8 24% 21% 23% 16% 18% 28% 13% 15% 27% 22% 14% 22% 14% 28% 17% 11% 23% 15% 25% 25% 21% 17% 15% 24% 23% 23% 25% 549% 20%
14% 11% 8% 9% 13% 18% 9% 13% 20% 10% 33% 17% 8% 13% 16% 21% 23% 11% 14% 11% 18% 16% 8% 14% 14% 13% 18% 391% 14%
Sesudah 9 18% 17% 11% 12% 21% 22% 13% 17% 23% 17% 50% 22% 12% 18% 21% 30% 29% 17% 17% 21% 25% 21% 11% 20% 19% 20% 25% 548% 20%
PMK ( % ) Sebelum 10 12 10 8 8 13 15 8 10 13 9 26 16 8 12 12 20 22 18 16 12 15 14 10 10 10 10 14 349 13
Sesudah 11 14 12 10 9 14 17 8 11 13 11 37 19 11 14 14 24 26 24 16 14 20 16 12 14 13 13 17 424 16
Penjualan (Rp)
Penjualan (Rp)
Sebelum 12
Sesudah 13
18,750,000 72,970,400 12,000,000 35,000,000 28,500,000 24,500,000 31,330,180 35,593,500 65,000,000 13,800,000 32,000,000 28,500,000 49,500,000 17,000,000 7,500,000 40,815,000 73,000,000 30,130,000 28,700,000 56,400,000 25,600,000 30,000,000 12,000,000 21,500,000 22,200,000 21,300,000 35,000,000 868,589,080 32,169,966
22,000,000 85,300,000 15,000,000 40,000,000 32,500,000 29,000,000 34,463,198 42,060,000 69,000,000 18,000,000 46,600,000 32,500,000 64,625,000 20,000,000 9,000,000 50,980,000 85,000,000 40,000,000 34,500,000 64,800,000 33,300,000 34,000,000 14,500,000 28,400,000 27,000,000 27,500,000 42,000,000 1,042,028,198 38,593,637
Kenaikan sth dpt pinjaman % 14 17% 17% 25% 14% 14% 18% 10% 18% 6% 30% 46% 14% 31% 18% 20% 25% 16% 33% 20% 15% 30% 13% 21% 32% 22% 29% 20% 20% 20%
Pegawai Sebelum 15 3 5 6 5 3 6 7 5 11 3 7 4 8 3 2 11 15 12 8 10 3 6 3 4 4 8 3 165 6
Kenaikan sth dpt pinjaman Sesudah % 16 17
Pegawai
3 9 7 5 3 8 8 6 12 3 10 6 9 3 2 13 15 15 9 14 5 7 4 4 4 10 3 197 7
0% 80% 17% 0% 0% 33% 14% 20% 9% 0% 43% 50% 13% 0% 0% 18% 0% 25% 13% 40% 67% 17% 33% 0% 0% 25% 0% 19% 19%
87
88
Lanjutan Lampiran 7 No
Mitra Usaha
Total Asset
1
2
3
B 1 2 3 4 5 6 7 8 9 10
ASSET ≥ DARI 100 JUTA LOLA Nurika Konveksi Prima Muwardi Motor Bengkel Serdang Motor Wisma Honda Motor Bengkel Griya Motor Bengkel Buaran Indah Farhan Motor Pramuka Motor Subur Jaya Motor Sub Total Sub Rataan Total Rataan
137,850,001 143,000,000 170,000,000 181,910,000 253,972,000 204,000,000 236,885,250 190,000,000 190,000,000 190,000,000
PM ( % ) Sebelum 4
17% 21% 23% 25% 24% 24% 25% 23% 26% 26% 234% 23% 730% 20%
ROTA ( % )
Sesudah Sebelum 5 6
21% 28% 29% 29% 28% 26% 27% 24% 28% 28% 268% 27% 834% 23%
14% 9% 6% 7% 6% 7% 6% 7% 9% 6% 77% 8% 481% 13%
ROE ( % )
Sesudah Sebelum 7 8
18% 12% 10% 11% 8% 8% 8% 8% 11% 9% 103% 10% 652% 18%
12% 22% 17% 15% 13% 19% 15% 21% 22% 17% 172% 17% 564% 15%
Sesudah 9
16% 33% 26% 23% 16% 26% 18% 26% 27% 25% 236% 24% 784% 21%
PMK ( % ) Sebelum 10
14 18 15 14 11 16 14 16 17 14 148 15 497 13
Sesudah 11
Penjualan (Rp)
Penjualan (Rp)
Sebelum 12
Sesudah 13
15 82,500,000 117,000,000 21 52,750,000 60,000,000 17 48,500,000 58,000,000 14 58,800,000 68,000,000 11 61,500,000 72,000,000 19 52,000,000 64,000,000 15 54,500,000 68,750,000 20 53,600,000 65,500,000 19 62,500,000 72,500,000 18 45,650,000 61,500,000 170 572,300,000 707,250,000 17 57230000 70725000 595 1,440,889,080 1,749,278,198 16 38942948 47277789
Kenaikan sth dpt pinjaman % 14
42% 14% 20% 16% 17% 23% 26% 22% 16% 35% 24% 24% 21% 21%
Pegawai Sebelum 15
16 2 7 8 8 8 7 6 8 6 76 8 241 7
Kenaikan sth dpt pinjaman Sesudah % 16 17
Pegawai
17 4 9 8 8 8 8 9 8 7 86 9 283 8
6% 100% 29% 0% 0% 0% 14% 50% 0% 17% 13% 13% 17% 17%
Lampiran 8 Kinerja Mitra Binaan PT Sucofindo (Persero) Berdasarkan Tahun Pencairan Kredit No 1 A 1 2 3 4 5 6 7 8 9 10
B 1 2 3 4 5 6 7 8 9 10
Mitra Binaan 2 sebelum tahun 2009 Dian Anugrah RM Makan Sate Madura H. Ali Mie 87 SP Asia Made In Heaven Sinar Surya Kel. Gunung Djati Aneka Kue Ibu Andri Bengkel Griya Motor Bengkel Buaran Indah Sub Total Sub Rataan tahun 2009 & setelah 2009 UD. Sanim Pedagang Sembako Soto Kwali Koperasi Kohanudnas LOLA CV Ida Busana CV. Ilhammi Ikan Hias Sejahtera Sapi Sumber Agung Sapi Sumber Karya
Tahun PM ( % ) ROTA ( % ) Pemberian Kredit Sebelum Sesudah Sebelum Sesudah 3 4 5 6 7
ROE ( % ) Sebelum 8
PMK ( % )
Sesudah Sebelum 9 10
Sesudah 11
Penjualan (Rp)
Penjualan (Rp)
Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Kenaikan sth dpt pinjaman
Sebelum 12
Sesudah 13
% 14
Sebelum 15
Sesudah 16
% 17
2008 2008 2008 2008 2008 2008 2008 2008 2008 2008
20% 20% 14% 14% 21% 17% 13% 23% 24% 25% 192% 19%
22% 22% 19% 17% 23% 19% 15% 24% 26% 27% 213% 21%
12% 23% 13% 9% 13% 19% 10% 16% 7% 6% 128% 13%
15% 27% 22% 14% 17% 23% 15% 21% 8% 8% 171% 17%
13% 20% 10% 8% 16% 23% 11% 18% 19% 15% 152% 15%
17% 23% 17% 12% 21% 29% 17% 25% 26% 18% 203% 20%
10 13 9 8 12 22 18 15 16 14 136 14
11 13 11 11 14 26 24 20 19 15 165 17
35,593,500 65,000,000 13,800,000 49,500,000 7,500,000 73,000,000 30,130,000 25,600,000 52,000,000 54,500,000 406,623,500 40,662,350
42,060,000 69,000,000 18,000,000 64,625,000 9,000,000 85,000,000 40,000,000 33,300,000 64,000,000 68,750,000 493,735,000 49,373,500
18% 6% 30% 31% 20% 16% 33% 30% 23% 26% 21% 21%
5 11 3 8 2 15 12 3 8 7 74 7
6 12 3 9 2 15 15 5 8 8 83 8
20% 9% 0% 13% 0% 0% 25% 67% 0% 14% 12% 12%
2009 2009 2009 2009 2009 2009 2009 2009 2009 2009
14% 13% 18% 17% 17% 26% 19% 20% 19% 19%
15% 19% 19% 21% 21% 29% 22% 23% 22% 21%
19% 15% 23% 9% 14% 21% 13% 11% 16% 20%
24% 18% 28% 13% 18% 25% 25% 15% 24% 23%
14% 13% 18% 9% 12% 14% 11% 8% 14% 14%
18% 21% 22% 13% 16% 17% 21% 11% 20% 19%
12 13 15 8 14 16 12 10 10 10
14 14 17 8 15 16 14 12 14 13
18,750,000 28,500,000 24,500,000 31,330,180 82,500,000 28,700,000 56,400,000 12,000,000 21,500,000 22,200,000
22,000,000 32,500,000 29,000,000 34,463,198 117,000,000 34,500,000 64,800,000 14,500,000 28,400,000 27,000,000
17% 14% 18% 10% 42% 20% 15% 21% 32% 22%
3 3 6 7 16 8 10 3 4 4
3 3 8 8 17 9 14 4 4 4
0% 0% 33% 14% 6% 13% 40% 33% 0% 0%
89
90
Lanjutan Lampiran 8 No
Mitra Binaan
1
2
11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27
Sapi Sumber Mulia Farhan Motor Subur Jaya Motor Agen Sembako Jaya Ikan Basah & Ayam Pedagang Daging Nurlailah RM Betawi Batikku Batikmu PT Unique Handicraft Budi Andhika, PD Nurika Konveksi Kel. Tahu Benny Hasyim Prima Muwardi Motor Bengkel Serdang Motor Wisma Honda Motor Dunia AC Mobil Pramuka Motor Sub Total Sub Rataan Total Rataan
Tahun PM ( % ) ROTA ( % ) Pemberian Kredit Sebelum Sesudah Sebelum Sesudah 3 4 5 6 7
2009 2009 2009 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010
19% 23% 26% 13% 13% 14% 26% 18% 18% 17% 21% 23% 23% 25% 24% 26% 26% 938% 35% 1130% 31%
21% 24% 28% 18% 15% 16% 28% 21% 20% 19% 28% 28% 29% 29% 28% 29% 28% 1122% 42% 1334% 36%
16% 7% 6% 13% 16% 12% 9% 17% 21% 7% 9% 13% 6% 7% 6% 18% 9% 953% 35% 1081% 29%
23% 8% 9% 21% 23% 16% 14% 22% 28% 11% 12% 17% 10% 11% 8% 25% 11% 1181% 44% 1352% 37%
ROE ( % ) Sebelum 8
13% 21% 17% 11% 8% 9% 33% 17% 13% 21% 22% 16% 17% 15% 13% 18% 22% 1212% 45% 1364% 37%
PMK ( % )
Sesudah Sebelum 9 10
20% 26% 25% 17% 11% 12% 50% 22% 18% 30% 33% 21% 26% 23% 16% 25% 27% 1481% 55% 1684% 46%
10 16 14 10 8 8 26 16 12 20 18 14 15 14 11 14 17 371 14 507 14
Sesudah 11
Penjualan (Rp)
Penjualan (Rp)
Kenaikan sth dpt pinjaman
Pegawai
Pegawai
Kenaikan sth dpt pinjaman
Sebelum 12
Sesudah 13
% 14
Sebelum 15
Sesudah 16
% 17
13 21,300,000 20 53,600,000 18 45,650,000 12 72,970,400 10 12,000,000 9 35,000,000 37 32,000,000 19 28,500,000 14 17,000,000 24 40,815,000 21 52,750,000 16 30,000,000 17 48,500,000 14 58,800,000 11 61,500,000 17 35,000,000 19 62,500,000 441 1,034,265,592 16 38,306,133 606 1,440,889,092 16 38,942,948
27,500,000 65,500,000 61,500,000 85,300,000 15,000,000 40,000,000 46,600,000 32,500,000 20,000,000 50,980,000 60,000,000 34,000,000 58,000,000 68,000,000 72,000,000 42,000,000 72,500,000 1,255,543,211 46,501,600 1,749,278,211 47,277,789
29% 22% 35% 17% 25% 14% 46% 14% 18% 25% 14% 13% 20% 16% 17% 20% 16% 21% 21% 21% 21%
8 6 6 5 6 5 7 4 3 11 2 6 7 8 8 3 8
10 9 7 9 7 5 10 6 3 13 4 7 9 8 8 3 8
182 7 256 7
216 8 299 8
25% 50% 17% 80% 17% 0% 43% 50% 0% 18% 100% 17% 29% 0% 0% 0% 0% 19% 19% 17% 17%
Lampiran 9 Kinerja Mitra Binaan PT Sucofindo (Persero) Berdasarkan Plafon (besaran) Kredit No 1 A 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
B 1 2 3 4 5 6 7 8 9 10
Mitra Binaan
Jumlah Kredit
2 3 < DARI 40 JUTA UD. Sanim 10,000,000 Agen Sembako Jaya 25,000,000 Ikan Basah & Ayam 20,000,000 Pedagang Sembako 20,000,000 Soto Kwali 30,000,000 Koperasi Kohanudnas 30,000,000 Dian Anugrah 20,000,000 Mie 87 10,000,000 Batikku Batikmu 25,000,000 Made In Heaven 10,000,000 CV Ida Busana 30,000,000 CV. Ilhammi 20,000,000 Ikan Hias Sejahtera 20,000,000 Sapi Sumber Agung 25,000,000 Sapi Sumber Karya 25,000,000 Sapi Sumber Mulia 25,000,000 Subur Jaya Motor 30,000,000 Sub Total Sub Rataan ≥ DARI 40 JUTA Pedagang Daging 40,000,000 RM Makan Sate Madura H. Ali40,000,000 Nurlailah RM Betawi 50,000,000 SP Asia 50,000,000 PT Unique Handicraft 40,000,000 Budi Andhika, PD 40,000,000 Sinar Surya 60,000,000 Kel. Gunung Djati 60,000,000 LOLA 60,000,000 Nurika Konveksi 40,000,000
Tahun Mulai Usaha
PM ( % )
ROTA ( % )
ROE ( % )
Sebelum 5
Sesudah 6
Sebelum 7
2005 1990 1981 1995 1999 1992 2003 1996 1995 2005 2002 2006 1998 1998 1998 1998 2005
14% 13% 13% 13% 18% 17% 20% 14% 18% 21% 26% 19% 20% 19% 19% 19% 26% 311% 18%
15% 18% 15% 19% 19% 21% 22% 19% 21% 23% 29% 22% 23% 22% 21% 21% 28% 358% 21%
19% 13% 16% 15% 23% 9% 12% 13% 17% 13% 21% 13% 11% 16% 20% 16% 6% 254% 15%
24% 21% 23% 18% 28% 13% 15% 22% 22% 17% 25% 25% 15% 24% 23% 23% 9% 348% 20%
14% 11% 8% 13% 18% 9% 13% 10% 17% 16% 14% 11% 8% 14% 14% 13% 17% 219% 13%
1990 2001 1995 1996 2002 1996 1998 2000 1997 1989
14% 20% 26% 14% 18% 17% 17% 13% 17% 21%
16% 22% 28% 17% 20% 19% 19% 15% 21% 28%
12% 23% 9% 9% 21% 7% 19% 10% 14% 9%
16% 27% 14% 14% 28% 11% 23% 15% 18% 12%
9% 20% 33% 8% 13% 21% 23% 11% 12% 22%
4
Sesudah 8
Sebelum 9
PMK ( % )
Sesudah 10
Penjualan (Rp)
Penjualan (Rp)
Sebelum 13
Sesudah 14
Kenaikan sth dpt pinjaman % 15
Pegawai
Pegawai
Sebelum 16
Sesudah 17
Kenaikan sth dpt pinjaman % 18
Sebelum 11
Sesudah 12
18% 17% 11% 21% 22% 13% 17% 17% 22% 21% 17% 21% 11% 20% 19% 20% 25% 312% 18%
12 10 8 13 15 8 10 9 16 12 16 12 10 10 10 10 14 193 11
14 12 10 14 17 8 11 11 19 14 16 14 12 14 13 13 18 231 14
18,750,000 72,970,400 12,000,000 28,500,000 24,500,000 31,330,180 35,593,500 13,800,000 28,500,000 7,500,000 28,700,000 56,400,000 12,000,000 21,500,000 22,200,000 21,300,000 45,650,000 481,194,080 28,305,534
22,000,000 85,300,000 15,000,000 32,500,000 29,000,000 34,463,198 42,060,000 18,000,000 32,500,000 9,000,000 34,500,000 64,800,000 14,500,000 28,400,000 27,000,000 27,500,000 61,500,000 578,023,198 34,001,365
17% 17% 25% 14% 18% 10% 18% 30% 14% 20% 20% 15% 21% 32% 22% 29% 35% 20% 20%
3 5 6 3 6 7 5 3 4 2 8 10 3 4 4 8 6 87 5
3 9 7 3 8 8 6 3 6 2 9 14 4 4 4 10 7 107 6
0% 80% 17% 0% 33% 14% 20% 0% 50% 0% 13% 40% 33% 0% 0% 25% 17% 23% 23%
12% 23% 50% 12% 18% 30% 29% 17% 16% 33%
8 13 26 8 12 20 22 18 14 18
9 13 37 11 14 24 26 24 15 21
35,000,000 65,000,000 32,000,000 49,500,000 17,000,000 40,815,000 73,000,000 30,130,000 82,500,000 52,750,000
40,000,000 69,000,000 46,600,000 64,625,000 20,000,000 50,980,000 85,000,000 40,000,000 117,000,000 60,000,000
14% 6% 46% 31% 18% 25% 16% 33% 42% 14%
5 11 7 8 3 11 15 12 16 2
5 12 10 9 3 13 15 15 17 4
0% 9% 43% 13% 0% 18% 0% 25% 6% 100%
91
92
Lanjutan Lampiran 9
No 1 11 12 13 14 15 16 17 18 19 20
Mitra Binaan 2 Aneka Kue Ibu Andri Kel. Tahu Benny Hasyim Prima Muwardi Motor Bengkel Serdang Motor Wisma Honda Motor Bengkel Griya Motor Dunia AC Mobil Bengkel Buaran Indah Farhan Motor Pramuka Motor Sub Total Sub Rataan Total Rataan
Jumlah Kredit
Tahun Mulai Usaha
3 40,000,000 25,000,000 60,000,000 60,000,000 60,000,000 60,000,000 60,000,000 60,000,000 60,000,000 60,000,000
4 1993 1991 1997 2003 2000 1998 1996 1993 2002 2005
PM ( % )
ROTA ( % )
Sebelum Sesudah Sebelum 5 6 7 23% 24% 16% 23% 28% 13% 23% 29% 6% 25% 29% 7% 24% 28% 6% 24% 26% 7% 26% 29% 18% 25% 27% 6% 23% 24% 7% 26% 28% 9% 919% 1076% 928% 46% 54% 46% 1230% 1434% 1181% 33% 39% 32%
ROE ( % )
PMK ( % )
Sesudah Sebelum Sesudah Sebelum 8 9 10 11 21% 18% 25% 15 17% 16% 21% 14 10% 17% 26% 15 11% 15% 23% 14 8% 13% 16% 11 8% 19% 26% 16 25% 18% 25% 14 8% 15% 18% 14 8% 21% 26% 16 11% 22% 27% 17 1103% 1245% 1473% 315 55% 62% 74% 16 1452% 1464% 1784% 508 39% 40% 48% 14
Sesudah 12 20 16 17 14 11 19 17 15 20 19 375 19 607 16
Penjualan (Rp) Sebelum 13 25,600,000 30,000,000 48,500,000 58,800,000 61,500,000 52,000,000 35,000,000 54,500,000 53,600,000 62,500,000 959,695,013 47984751 1,440,889,093 38942948
Kenaikan sth Kenaikan sth Pegawai Pegawai dpt pinjaman dpt pinjaman Sesudah % Sebelum Sesudah % 14 15 16 17 18 33,300,000 30% 3 5 67% 34,000,000 13% 6 7 17% 58,000,000 20% 7 9 29% 68,000,000 16% 8 8 0% 72,000,000 17% 8 8 0% 64,000,000 23% 8 8 0% 42,000,000 20% 3 3 0% 68,750,000 26% 7 8 14% 65,500,000 22% 6 9 50% 72,500,000 16% 8 8 0% 1,171,255,014 22% 170 193 14% 58562751 22% 9 10 14% 1,749,278,212 21% 257 300 17% 47277790 21% 7 8 17%
Penjualan (Rp)
93 Lampiran 10. Hasil Uji F Dependent Variable: PMDift
PMDift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
0.00200564
0.00033427
1.58
0.1871
Error
30
0.00634416
0.00021147
Corrected Total
36
0.00834980
R-Square
Coeff Var
Root MSE
PMDift Mean
0.240202
51.49847
0.014542
0.028238
Source Sekt JangkaWaktu Kredit Flavon TOTAset
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.00006426 0.00013668 0.00065612 0.00002635 0.00112223
0.00003213 0.00013668 0.00065612 0.00002635 0.00112223
0.15 0.65 3.10 0.12 5.31
0.8597 0.4278 0.0884 0.7266 0.0283
3.09%
3.50% 3.00% 2.50%
2.10%
2.00% 1.50% 1.00% 0.50% 0.00% Bef09
Til09
94
3.43% 3.50% 2.60%
3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% GE100
LT100
95 Dependent Variable: ROTADift
ROTADift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
0.00669598
0.00111600
2.64
0.0357
Error
30
0.01270012
0.00042334
Corrected Total
36
0.01939611
R-Square
Coeff Var
Root MSE
ROTADift Mean
0.345223
44.63950
0.020575
0.046092
Source Sekt JangkaWaktu Kredit Flavon TOTAset
6.00%
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.00367412 0.00114822 0.00005714 0.00052870 0.00128781
0.00183706 0.00114822 0.00005714 0.00052870 0.00128781
4.34 2.71 0.13 1.25 3.04
0.0221 0.1100 0.7159 0.2726 0.0914
5.26%
5.07%
5.00% 4.00% 2.86% 3.00% 2.00% 1.00% 0.00% Dagang
Industri
Jasa
5.35%
6.00% 5.00% 4.00% 2.60% 3.00% 2.00% 1.00% 0.00% GE100
LT100
96 Dependent Variable: ROEDift
ROEDift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
0.00522249
0.00087042
1.09
0.3897
Error
30
0.02390957
0.00079699
Corrected Total
36
0.02913206
R-Square
Coeff Var
Root MSE
ROEDift Mean
0.179270
47.36806
0.028231
0.059599
Source Sekt JangkaWaktu Kredit Flavon TOTAset
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.00015251 0.00226741 0.00203426 0.00017060 0.00059772
0.00007626 0.00226741 0.00203426 0.00017060 0.00059772
0.10 2.84 2.55 0.21 0.75
0.9090 0.1020 0.1206 0.6469 0.3934
6.80% 7.00% 6.00%
5.32%
5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 12 bln
6.26%
7.00% 6.00%
24 bln
5.14%
5.00% 4.00% 3.00% 2.00% 1.00% 0.00% Bef09
Til09
97 Dependent Variable: PMKDift
PMKDift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
53.8081664
8.9680277
2.83
0.0264
Error
30
95.0211099
3.1673703
Corrected Total
36
148.8292763
R-Square
Coeff Var
Root MSE
PMKDift Mean
0.361543
67.77102
1.779711
2.626065
Source Sekt JangkaWaktu Kredit Flavon TOTAset
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.81830253 25.17010579 0.18560536 1.30732052 26.32683221
0.40915127 25.17010579 0.18560536 1.30732052 26.32683221
0.13 7.95 0.06 0.41 8.31
0.8793 0.0085 0.8104 0.5255 0.0072
3.31 3.50 3.00 2.50
2.10
2.00 1.50 1.00 0.50 0.00 12 bln
24 bln
2.79 3.00 2.50
2.19
2.00 1.50 1.00 0.50 0.00 GE100
LT100
98 Dependent Variable: SaleDift
SaleDift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
0.05632729
0.00938788
1.35
0.2651
Error
30
0.20807534
0.00693584
Corrected Total
36
0.26440263
R-Square
Coeff Var
Root MSE
SaleDift Mean
0.213036
38.28693
0.083282
0.217520
Source Sekt JangkaWaktu Kredit Flavon TOTAset
30.00% 25.00%
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.00073483 0.05036075 0.00001114 0.00310159 0.00211898
0.00036741 0.05036075 0.00001114 0.00310159 0.00211898
0.05 7.26 0.00 0.45 0.31
0.9485 0.0114 0.9683 0.5088 0.5845
25.24% 19.09%
20.00% 15.00% 10.00% 5.00% 0.00% 12 bln
24 bln
99 Dependent Variable: WorkDift
WorkDift
Source
DF
Sum of Squares
Mean Square
F Value
Pr > F
Model
6
0.45983684
0.07663947
1.36
0.2624
Error
30
1.69016067
0.05633869
Corrected Total
36
2.14999752
R-Square
Coeff Var
Root MSE
WorkDift Mean
0.213878
119.9995
0.237358
0.197799
Source Sekt JangkaWaktu Kredit Flavon TOTAset
DF
Type I SS
Mean Square
F Value
Pr > F
2 1 1 1 1
0.11857237 0.17657399 0.12682350 0.02526508 0.01260190
0.05928619 0.17657399 0.12682350 0.02526508 0.01260190
1.05 3.13 2.25 0.45 0.22
0.3617 0.0868 0.1440 0.5082 0.6397
24.76% 25.00% 20.00%
15.99%
15.00% 10.00% 5.00% 0.00% 12 bln
24 bln
