LAMPIRAN-LAMPIRAN
Lampiran 1 Data Sampel Penelitian Data dari Laporan Keuangan Triwulanan Bank Syariah Mandiri (dalam jutaan rupiah)
No 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 28 29 30
Bulan Tahun 09 2007 12 2007 03 2008 06 2008 09 2008 12 2008 03 2009 06 2009 09 2009 12 2009 03 2010 06 2010 09 2010 12 2010 03 2011 06 2011 09 2011 12 2011 03 2012 06 2012 09 2012 12 2012 03 2013 06 2013 09 2013 12 2013 03 2014 06 2014 09 2014 12 2014
DPK 9864933 11105978 12245787 14189879 13786760 14808926 15357254 16240690 16855217 19168005 20885571 23091575 24564246 28680965 31877266 33549058 37823467 42133653 42371223 42727170 43918084 46687969 47619185 50529792 53649161 55767955 54510183 54652683 57071718 59283492
NPF 280052.04 310848.57 294487.54 274809.15 306730.76 315861.32 289829.73 274247.84 322740.93 215224.1 116414.15 174483.95 310219.30 307526.00 302406.26 341516.01 431991.89 347079.48 320795.08 561126.34 646257.06 507055.81 715213.4 530486.35 787922.75 1150990.25 1317209.58 1930234.37 2080860.00 2098738.05
SBIS/SWBI 695000 670000 603000 1075000 100000 1305000 1645000 1930000 1574000 2381000 2434000 2300000 1759000 3412000 3898000 2577000 3090000 4850000 4340000 2650000 2404000 3125000 2840000 2853000 4405000 5500000 5315000 4844015 7501180 9605330
Pembiayaan Mudharabah & Musyarakah 4032665 4312045 4891739 5698936 5889332 5542033 5544132 5933722 6345788 6519744 6915135 7885962 8275818 8715920 9254114 9792439 9891985 9962919 9912866 10355069 10440296 10462107 10513006 11060256 10954265 11113224 10796645 10826614 11131425 10689858
Lampiran 2 Data Sampel Penelitian Setelah dilakukan Transformasi Data dari Laporan Keuangan Triwulanan Bank Syariah Mandiri (dalam jutaan rupiah)
No
Bulan Tahun
DPK
NPF
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 28 29 30
09 2007 12 2007 03 2008 06 2008 09 2008 12 2008 03 2009 06 2009 09 2009 12 2009 03 2010 06 2010 09 2010 12 2010 03 2011 06 2011 09 2011 12 2011 03 2012 06 2012 09 2012 12 2012 03 2013 06 2013 09 2013 12 2013 03 2014 06 2014 09 2014 12 2014
16.10449690 16.22299407 16.32069251 16.46803952 16.43921926 16.51074066 16.54709849 16.60303037 16.64017078 16.76875304 16.85456909 16.95497839 17.01680252 17.17174422 17.27740364 17.32851934 17.44844028 17.55635733 17.56197998 17.57034557 17.59783672 17.65899706 17.67874628 17.73807366 17.79797638 17.83670997 17.81389808 17.81650886 17.85981924 17.89784144
12.54273072 12.64706115 12.59299197 12.52383213 12.63372563 12.66305853 12.57704889 12.52178750 12.68460520 12.27943508 11.66490937 12.06958803 12.64503474 12.63631491 12.61952662 12.74114983 12.97616209 12.75730908 12.67855781 13.23770136 13.37895262 13.13637635 13.48033623 13.18154950 13.57715533 13.95613321 14.09102610 14.47315198 14.54829182 14.55684679
SBIS/SWBI 695000 670000 603000 1075000 100000 1305000 1645000 1930000 1574000 2381000 2434000 2300000 1759000 3412000 3898000 2577000 3090000 4850000 4340000 2650000 2404000 3125000 2840000 2853000 4405000 5500000 5315000 4844015 7501180 9605330
Pembiayaan Mudharabah & Musyarakah 4032665 4312045 4891739 5698936 5889332 5542033 5544132 5933722 6345788 6519744 6915135 7885962 8275818 8715920 9254114 9792439 9891985 9962919 9912866 10355069 10440296 10462107 10513006 11060256 10954265 11113224 10796645 10826614 11131425 10689858
Lampiran 3 Hasil Uji Normalitas Data dengan One-Sample K-S Test NPAR TESTS /K-S(NORMAL)=Y X1 X2 X3 /MISSING ANALYSIS. One-Sample Kolmogorov-Smirnov Test Pembiayaan Mudharabah & Musyarakah N a Normal Parameters
Mean Std. Deviation Most Extreme Differences Absolute Positive Negative Kolmogorov-Smirnov Z Asymp. Sig. (2-tailed)
DPK
30 30 8.4553E6 3.3167E7 2.39233E6 1.67559E7 .212 .137 .132 .135 -.212 -.137 1.161 .751 .135 .626
NPF
SBIS
30 30 5.9545E5 3.0560E6 5.56490E5 2.09207E6 .272 .154 .272 .154 -.195 -.087 1.492 .841 .023 .479
a. Test distribution is Normal.
COMPUTE X2=LN(X2). EXECUTE. COMPUTE X1=LN(X1). EXECUTE. NPAR TESTS /K-S(NORMAL)=Y X1 X2 X3 /MISSING ANALYSIS. One-Sample Kolmogorov-Smirnov Test Pembiayaan Mudharabah & Musyarakah N a Normal Parameters
Mean Std. Deviation Most Extreme Differences Absolute Positive Negative Kolmogorov-Smirnov Z Asymp. Sig. (2-tailed) a. Test distribution is Normal.
DPK
30 8.4553E6
30 17.1688
2.39233E6
.58112
.212 .132 -.212 1.161 .135
.181 .118 -.181 .991 .280
NPF 30 13.0024
SBIS 30 3.0560E6
.72378 2.09207E6 .233 .233 -.153 1.274 .078
.154 .154 -.087 .841 .479
Lampiran 4 Hasil Uji Normalitas Data dengan Normal P-P Plots PPLOT /VARIABLES=Y X1 X2 X3 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. Model Description Model Name Series or Sequence
MOD_1 Pembiayaan Mudharabah & Musyarakah DPK NPF SBIS None
1 2 3 4
Transformation Non-Seasonal Differencing Seasonal Differencing Length of Seasonal Period Standardization Distribution Type Location Scale Fractional Rank Estimation Method Rank Assigned to Ties
0 0 No periodicity Not applied Normal estimated estimated Blom's Mean rank of tied values
Applying the model specifications from MOD_1
Case Processing Summary Pembiayaan Mudharabah & Musyarakah Series or Sequence Length Number of Missing Values User-Missing in the Plot System-Missing
DPK
NPF
SBIS
30 0
30 0
30 0
30 0
0
0
0
0
The cases are unweighted.
Estimated Distribution Parameters Pembiayaan Mudharabah & Musyarakah Normal Distribution
Location Scale
The cases are unweighted.
DPK
NPF
8.4553E6
17.1688
13.0024
2.39233E6
.58112
SBIS 3.0560E6
.72378 2.09207E6
Lampiran 5 Hasil Uji Asumsi Klasik REGRESSION /MISSING LISTWISE /STATISTICS COLLIN TOL /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3. Variables Entered/Removed Variables Entered
Model 1
Variables Removed
SBIS, NPF, a DPK
b
Method . Enter
a. All requested variables entered. b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah Coefficients
a
Collinearity Statistics Model 1
Tolerance
VIF
DPK
.325
3.074
NPF
.385
2.597
SBIS
.295
3.393
a. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Collinearity Diagnostics Dimensi Model on 1
a
Variance Proportions Eigenvalue
Condition Index
(Constant)
DPK
NPF
SBIS
1
3.766
1.000
.00
.00
.00
.01
2
.233
4.024
.00
.00
.00
.31
3
.001
69.037
.09
.06
.99
.22
4
.000
135.117
.91
.94
.00
.47
a. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
REGRESSION /MISSING LISTWISE /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3 /SCATTERPLOT=(*SRESID ,*ZPRED). Variables Entered/Removed Model 1
Variables Entered
b
Variables Removed
SBIS, NPF, a DPK
Method . Enter
a. All requested variables entered. b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah b
Model Summary Model
R
1
.996
Adjusted R Square
R Square a
.991
Std. Error of the Estimate
.990
2.36457E5
a. Predictors: (Constant), SBIS, NPF, DPK b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
b
ANOVA Model 1
Sum of Squares
df
Mean Square
Regression
1.645E14
3
5.484E13
Residual
1.454E12
26
5.591E10
Total
1.660E14
29
F
Sig.
980.827
.000
a
a. Predictors: (Constant), SBIS, NPF, DPK b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Coefficients
a
Unstandardized Coefficients Model 1
B (Constant)
Std. Error
-6.826E7
2.140E6
DPK
4.589E6
132474.823
NPF
-126909.624
SBIS
-.136
Standardized Coefficients Beta
t
Sig.
-31.895
.000
1.115
34.639
.000
97766.520
-.038
-1.298
.206
.039
-.119
-3.506
.002
a. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Residuals Statistics Minimum Predicted Value 3.9500E6 Std. Predicted Value -1.892 Standard Error of Predicted 5.434E4 Value Adjusted Predicted Value 3.9312E6 Residual -3.52487E5 Std. Residual -1.491 Stud. Residual -1.724 Deleted Residual -4.71340E5 Stud. Deleted Residual -1.796 Mahal. Distance .565 Cook's Distance .000 Centered Leverage Value .019
Maximum
a
Mean
Std. Deviation
N
1.1087E7 1.105
8.4553E6 .000
2.38183E6 1.000
30 30
1.712E5
8.309E4
23890.751
30
1.1098E7 8.4591E6 5.05908E5 .00000 2.140 .000 2.214 -.007 5.41504E5 -3.77336E3 2.409 .001 14.239 2.900 .250 .037 .491 .100
2.38215E6 2.23893E5 .947 1.012 2.56631E5 1.040 2.637 .056 .091
30 30 30 30 30 30 30 30 30
a. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
REGRESSION /MISSING LISTWISE /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3 /RESIDUALS DURBIN. Variables Entered/Removed Model 1
Variables Entered
Variables Removed
SBIS, NPF, a DPK
b
Method . Enter
a. All requested variables entered. b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
b
Model Summary Model 1
R .996
R Square a
Adjusted R Square
.991
.990
Std. Error of the Estimate 2.36457E5
a. Predictors: (Constant), SBIS, NPF, DPK b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Durbin-Watson 1.210
Lampiran 6 Hasil Uji Analisis Faktor FACTOR /VARIABLES X1 X2 X3 /MISSING LISTWISE /ANALYSIS X1 X2 X3 /PRINT KMO AIC EXTRACTION /CRITERIA MINEIGEN(1) ITERATE(25) /EXTRACTION PC /ROTATION NOROTATE /METHOD=CORRELATION. KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. Bartlett's Test of Sphericity Approx. Chi-Square
.748 53.675
df
3
Sig.
.000
Anti-image Matrices DPK Anti-image Covariance
Anti-image Correlation
NPF
SBIS
DPK
.325
-.110
-.172
NPF
-.110
.385
-.144
SBIS
-.172
-.144
.295
DPK
.743
a
-.311
-.555
NPF
-.311
.799
a
-.426
SBIS
-.555
-.426
.712
a
a. Measures of Sampling Adequacy(MSA) Component Matrix
a
Communalities
Component
Extraction
1 DPK NPF SBIS
.919 .902 .931
Extraction Method: Principal Component Analysis. a. 1 components extracted.
DPK NPF SBIS Extraction Method: Principal Component Analysis.
Total Variance Explained Extraction Sums of Squared Loadings Component 1
Total 2.524
% of Variance
Cumulative %
84.127
Extraction Method: Principal Component Analysis.
84.127
.845 .813 .866
Lampiran 7 Hasil Uji Regresi Linier Berganda REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT Y /METHOD=ENTER X1 X2 X3. Variables Entered/Removed Model 1
Variables Entered
b
Variables Removed
Method
SBIS, NPF, a DPK
. Enter
a. All requested variables entered. b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah b
Model Summary Model
R
1
.996
Adjusted R Square
R Square a
.991
Std. Error of the Estimate
.990
2.36457E5
a. Predictors: (Constant), SBIS, NPF, DPK b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
b
ANOVA Model 1
Sum of Squares
df
Mean Square
Regression
1.645E14
3
5.484E13
Residual
1.454E12
26
5.591E10
Total
1.660E14
29
F 980.827
Sig. .000
a
a. Predictors: (Constant), SBIS, NPF, DPK b. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Coefficients
a
Unstandardized Coefficients Model 1
B (Constant)
Std. Error
-6.826E7
2.140E6
DPK
4.589E6
132474.823
NPF
-126909.624
SBIS
-.136
Standardized Coefficients Beta
t
Sig.
-31.895
.000
1.115
34.639
.000
97766.520
-.038
-1.298
.206
.039
-.119
-3.506
.002
a. Dependent Variable: Pembiayaan Mudharabah & Musyarakah
Lampiran 8 Tabel Distribusi t Pr
0.25 0.50
0.05 010
0.025 0.050
1
1.00000
2
0.81650
3.07768
6.31375
1270620
1.88562
2.91999
4.30265
31.8205 63 65674 2 6.96456 9.92484
318 30884 22 32712
3 4
0.76489
1.63774
2.35336
3.18245
4.54070 5.84091
1021453
5
0.74070
1.53321
2.13185
2.77645
3.74695 4.60409
7.17318
0.72669
1.47588
2.01505
2.57058
3.36493 4.03214
5.89343
6
0.71756
1.43976
1.94318
2.44691
3.14267 3.70743
5.20763
7
0.71114
1.41492
1.89458
2.36462
2.99795 3.49948
4.78529
8
0.70639
1.39682
1.85955
2.30600
2.89646 3.35539
4.50079
9
0.70272
1.38303
1.83311
2.26216
2.82144 3.24984
4.29681
10
0.69981
1.37218
1.81246
2.22814
2.76377 3.16927
4.14370
11
0.69745
1.36343
1.79588
2.20099
2.71808 3.10581
4.02470
12
0.69548
1.35622
1.78229
2.17881
2.68100 3.05454
3.92963
13
0.69383
1.35017
1.77093
2.16037
2.65031 3.01228
3.85198
14
0.69242
1.34503
1.76131
2.14479
2.62449 2.97684
3.78739
15
0.69120
1.34061
1.75305
2.13145
2.60248 2.94671
3.73283
16
0.69013
1.33676
1.74588
2.11991
2.58349 2.92078
3.68615
17
0.68920
1.33338
1.73961
2.10982
2.56693 2.89823
3.64577
18
0.68836
1.33039
1.73406
2.10092
2.55238 2.87844
3.61048
19
0.68762
1.32773
1.72913
2.09302
2.53948 2.86093
3.57940
20
0.68695
1.32534
1.72472
2.08596
2.52798 2.84534
3.55181
21
0.68635
1.32319
1.72074
2.07961
2.51765 2.83136
3.52715
22
0.68581
1.32124
1.71714
2.07387
2.50832 2.81876
3.50499
23
0.68531
1.31946
1.71387
2.06866
2.49987 2.80734
3.48496
24
0.68485
1.31784
1.71088
2.06390
2.49216 2.79694
3.46678
25
0.68443
1.31635
1.70814
2.05954
2.48511 2.78744
3.45019
26
0.68404
1.31497
1.70562
2.05553
2.47863 2.77871
3.43500
27
0.68368
1.31370
1.70329
2.05183
2.47266 2.77068
3.42103
28
0.68335
1.31253
1.70113
2.04841
2.46714 2.76326
3.40816
29
0.68304
1.31143
1.69913
2.04523
2.46202 2.75639
3.39624
30
0.68276
1.31042
1.69726
2.04227
2.45726 2.75000
3.38518
31
0.68249
1.30946
1.69552
2.03951
2.45282 2.74404
3.37490
32
0.68223
1.30857
1.69389
2.03693
2.44868 2.73848
3.36531
33
0.68200
1.30774
1.69236
2.03452
2.44479 2.73328
3.35634
34
0.68177
1.30695
1.69092
2.03224
2.44115 2.72839
3.34793
35
0.68156
1.30621
1.68957
2.03011
2.43772 2.72381
3.34005
36
0.68137
1.30551
1.68830
2.02809
2.43449 2.71948
3.33262
37
0.68118
1.30485
1.68709
2.02619
2.43145 2.71541
3.32563
38
0.68100
1.30423
1.68595
2.02439
2.42857 2.71156
3.31903
39
0.68083
1.30364
1.68488
2.02269
2.42584 2.70791
3.31279
40
0.68067
1.30308
1.68385
2.02108
2.42326 2.70446
3.30688
df
0 10 0.20
0 01 0.02
0.005 0 010
0 001 0.002
Lampiran 9 Tabel Distribusi F
4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
3
4
5
6
7
8
9
10
216 19.16 9.28 6.59 5.41 4.76 4.35 4.07 3.86 3.71 3.59 3.49 3.41 3.34 3.29 3.24 3.20 3.16 3.13 3.10 3.07 3.05 3.03 3.01 2.99 2.98 2.96 2.95 2.93 2.92 2.91 2.90 2.89 2.88 2.87 2.87 2.86 2.85 2.85 2.84
225 19.25 9.12 6.39 5.19 4.53 4.12 3.84 3.63 3.48 3.36 3.26 3.18 3.11 3.06 3.01 2.96 2.93 2.90 2.87 2.84 2.82 2.80 2.78 2.76 2.74 2.73 2.71 2.70 2.69 2.68 2.67 2.66 2.65 2.64 2.63 2.63 2.62 2.61 2.61
230 19.30 9.01 6.26 5.05 4.39 3.97 3.69 3.48 3.33 3.20 3.11 3.03 2.96 2.90 2.85 2.81 2.77 2.74 2.71 2.68 2.66 2.64 2.62 2.60 2.59 2.57 2.56 2.55 2.53 2.52 2.51 2.50 2.49 2.49 2.48 2.47 2.46 2.46 2.45
234 19.33 8.94 6.16 4.95 4.28 3.87 3.58 3.37 3.22 3.09 3.00 2.92 2.85 2.79 2.74 2.70 2.66 2.63 2.60 2.57 2.55 2.53 2.51 2.49 2.47 2.46 2.45 2.43 2.42 2.41 2.40 2.39 2.38 2.37 2.36 2.36 2.35 2.34 2.34
237 19.35 8.89 6.09 4.88 4.21 3.79 3.50 3.29 3.14 3.01 2.91 2.83 2.76 2.71 2.66 2.61 2.58 2.54 2.51 2.49 2.46 2.44 2.42 2.40 2.39 2.37 2.36 2.35 2.33 2.32 2.31 2.30 2.29 2.29 2.28 2.27 2.26 2.26 2.25
239 19.37 8.85 6.04 4.82 4.15 3.73 3.44 3.23 3.07 2.95 2.85 2.77 2.70 2.64
241 19.38 8.81 6.00 4.77 4.10 3.68 3.39 3.18 3.02 2.90 2.80 2.71 2.65
242 19.40 8.79 5.96 4.74 4.06 3.64 3.35 3.14 2.98 2.85 2.75 2.67 2.60 2.54 2.49 2.45 2.41 2.38 2.35 2.32 2.30 2.27 2.25 2.24 2.22 2.20 2.19 2.18 2.16 2.15 2.14 2.13 2.12 2.11 2.11 2.10 2.09 2.08 2.08
3.55 3.52 3.49 3.47 3.44 3.42 3.40 3.39 3.37 3.35 3.34 3.33 3.32 3.30 3.29 3.28 3.28 3.27 3.26 3.25 3.24 3.24 3.23
2.55 2.51 2.48 2.45 2.42 2.40 2.37 2.36 2.34 2.32 2.31 2.29 2.28 2.27 2.25 2.24 2.23 2.23 2.22 2.21 2.20 2.19 2.19 2.18
ai C D
3
2
199 19.00 9.55 6.94 5.79 5.14 4.74 4.46 4.26 4.10 3.98 3.89 3.81 3.74 3.68 3.63
ai C D
2
1
161 18.51 10.13 7.71 6.61 5.99 5.59 5.32 5.12 4.96 4.84 4.75 4.67 4.60 4.54 4.49 4.45 4.41 4.38 4.35 4.32 4.30 4.28 4.26 4.24 4.23 4.21 4.20 4.18 4.17 4.16 4.15 4.14 4.13 4.12 4.11 4.11 4.10 4.09 4.08
لى
1
df untuk pembilang (N1)
ai C D
df untuk penyebut (N2)
2.54 2.49 2.46 2.42 2.39 2.37 2.34 2.32 2.30 2.28 2.27 2.25 2.24 2.22 2.21 2.20 2.19 2.18 2.17 2.16 2.15 2.14 2.14 2.13 2.12
Lampiran 11
DAFTAR RIWAYAT HIDUP
1. Identitas Peneliti Nama
: Lailia Rohmatul Hasanah
Tempat/Tanggal Lahir
: Trenggalek, 8 Mei 1992
Jenis Kelamin
: Perempuan
Alamat
: Dsn. Panggul, Rt/Rw. 11/03 Ds. Panggul Kec. Panggul Kab. Trenggalek
No. Telp
: 085259871562
e-mail
:
[email protected]
2. Riwayat Pendidikan B.A Aisyiyah (1998-1999) MIM Panggul (1999-2005) MTsN Model Trenggalek (2005-2008) SMA Negeri 1 Trenggalek (2008-2011) IAIN Tulungagung (2011-2015)
