LAMPIRAN-LAMPIRAN LAMPIRAN 1
Daftar Perusahaan Sample, Rasio CAR, Rasio NPL dan Penyaluran Kredit NO
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 13 14 1 2 3 4
BPR
NPL
Kabupaten Semarang PD. BPR BKK Ungaran 2.46 PT. BPR Agung Sejahtera 17.54 PT. BPR Ambarawa Persada 1.83 PT. BPR Dana Mitra Sentosa 12.25 PT. BPR Inti Ambarawa Sejahtera 4.94 PT. BPR Klepu Mitra Kencana 2.96 PT. BPR Kusuma Palagan Ambarawa 21.3 PT. BPR Mekar Nugraha Klepu 2.4 PT. BPR Mitra Mulia Persada 4.77 PT. BPR Persada Ganda 2.81 PT. BPR Restu Klepu Makmur 1.83 PT. BPR Satria Pertiwi Semarang 6.11 Kabupaten Kendal PD BPR Kendali Artha 6.67 PD. BPR BKK Boja 6.94 PT BPR Swadharma Makmur Artha Sembada 32.92 PT. BPR Anugerah Harta Kaliwungu 2.18 PT. BPR Artha Kaliwungu 3.64 PT. BPR Arthama Cerah Weleri 8.64 PT. BPR Citra Darian 4.02 PT. BPR Kusuma Rejo 9.74 PT. BPR Kusuma Sari 62.75 PT. BPR Nusamba Cepiring 0.2 PT. BPR Pasar Boja 9.61 PT. BPR Enggal Makmur Adi Santoso 5.52 PT. BPR Sukorejo Menara Mulya 5.24 PT. BPR Weleri Jayapersada 4.27 Kabupaten Demak PD. BPR BKK Demak Kota 4.09 PT. BPR Artamas 3.32 PT. BPR Arthanugraha Makmursejahtera 3.36 PT. BPR Karticentra Artha 25.67
CAR/ KPMM
Jumlah Penyaluran Kredit (Ribuan Rupiah)
13.56 11.21 25.65 13.2 25.35 19.71 32.37 22.01 23.9 15.18 23.8 17.24
149,158,131 34,840,417 21,856,049 12,903,652 5,047,111 26,858,587 6,524,523 25,373,630 9,326,514 10,655,166 73,381,012 13,098,170
20.25 23.21 15.4 28.26 71.38 26.35 15.14 35.79 6.76 13.93 12.43 30.98 31.24 26.68
53,700,410 72,659,901 4,558,626 5,885,369 8,000,798 7,200,528 11,170,652 6,600,244 2,813,642 66,382,378 36,532,406 6,110,741 3,412,637 5,057,156
34.22 13.59 31.97 26.27
64,526,977 12,257,084 5,526,477 2,616,243
5 6 7 8 9 1 2 3 4 1 1 2 3 4 5 6 7 8 9 10 11 1 2 3 4 5 1 2 3 4 5 6 7
PT. BPR Kusuma Langgeng 2.89 PT. BPR Mranggen Mitrapersada 0.68 PT. BPR Restu Mranggen Makmur 2.85 PT. BPR Sindhur Arta Mulia Kencana 6.22 PT. BPR Swadharma Mranggen 3.53 Kabupaten Grobogan PD. BPR BKK Purwodadi 8.21 PT. BPR Purwa Artha 11.5 PT. BPR Semeru 8.39 PT. BPR Wirosari Ijo 4.56 Kabupaten Pekalongan PD. BPR BKK Karanganyar 2.37 Kabupaten Tegal PD BPR Bank Tegal Gotong Royong 9.6 PD. BPR BKK Talang 7.28 PT. BPR Arismentari Ayu 16.79 PT. BPR Artha Kramat 7.55 PT. BPR Arthapuspa Mega 3.11 PT. BPR Bumi Sediaguna 5.78 PT. BPR Dhana Adiwerna 4.49 PT. BPR Mega Artha Mustika 2 PT. BPR Nusamba Adiwerna 1.84 PT. BPR Nusumma Jateng 11.92 PT. BPR Sahabat Tata 3.52 Kabupaten Brebes PD. BPR BKK Banjarharjo 5.05 PD. BPR Puspakencana 10 PT. BPR Arisma Mandiri 6.44 PT. BPR Eleska Artha 15.11 PT. BPR Jatibarang Sediaguna 4.9 Kabupaten Pati KOP. BPR Wedariyaksa 3.73 PD BPR Bank Daerah Pati 1.33 PD. BPR BKK Pati Kota 13.12 PT BPR Mitra Pati Mandiri 3.42 PT. BPR Artaperdana Delta Sentosa 5.95 PT. BPR Artha Huda Abadi 4.09 PT. BPR Asabahana Sejahtera 11.78
58.83 12.15 29.06 40.48 26.52
6,334,120 31,028,302 24,256,785 2,341,115 11,186,296
23.93 76.8 12.97 11.99
225,651,442 23,210,602 14,075,993 40,815,380
13.64 140,240,202 25.15 33.3 24.03 23.88 9.4 26.52 16.13 15.3 11.42 10.1 42.25
18,854,556 33,355,289 6,728,758 6,798,569 23,510,842 5,846,286 10,917,210 19,313,588 36,840,067 20,377,909 5,140,559
38.4 34.94 64.44 42.74 24.13
25,197,488 31,038,096 1,820,508 1,597,385 6,905,426
20.32 16.39 6.73 15.63 19.93 11.8 25.94
26,525,398 100,890,964 90,675,268 17,251,158 7,135,004 37,882,607 6,126,478
8 9 10 11 1 2 3 4 5 6 7 1 2 3 1 2 3 1 2 1 2 3 4 5 1 2 3 4 5 6 7
PT. BPR Juwana Arthasurya PT. BPR Kusuma Arta Rini PT. BPR Sungkunandhana PT. BPR Tayu Dutapersada
19.09 5.13 2.26 0.09 Kabupaten Kudus PD. BPR BKK Jati Kudus 15.78 PD. BPR BP Kab. Kudus 4.58 PT BPR Mitra Budikusuma Mandiri 5.92 PT. BPR Catur Artha Jaya 5.89 PT. BPR Dananta 6.08 PT. BPR Hartha Muriatama 4.61 PT. BPR Taruna Adidaya Santosa 12.03 Kabupaten Pemalang PD. BPR Bank Pemalang 13.43 PT. BPR Hidup Artha Putra 2.28 PT. BPR Panasayu Arthalayan Sejahtera 30.91 Kabupaten Jepara PD. BPR BKK Jepara Kota 2.07 PD. BPR Jepara Artha 1.99 PT. BPR Nusamba Pecangaan Jepara 1.41 Kabupaten Rembang PD. BPR BKK Lasem 4.07 PD. BPR BP Kab. Rembang 2.77 Kabupaten Blora PD. BPR BKK Blora Kota 9.4 PD. BPR BP Kab. Blora 4.31 PT BPR Cepu Nasionalbank 10.37 PT. BPR Dhana Mitratama 4.58 PT. BPR Dutabhakti Insani 1.78 Kabupaten Banyumas PD. BPR BKK Purwokerto Utara 2.97 PT. BPR Artha Mekar Sokaraja 0.38 PT. BPR Dana Mitra Sakti 2.44 PT. BPR Danamitra Sokaraja 14.29 PT. BPR Gunung Simping Artha 0.04 PT. BPR Sahabat Purwokerto 12.93 PT. BPR Soka Panca Artha 4.79
12.24 34.29 19.58 22.55
2,449,969 5,409,907 21,276,040 20,456,898
12.41 26.19 14.44 9.74 24.33 12.21 21.47
47,884,941 29,970,740 12,077,186 19,452,688 5,566,600 16,666,442 6,884,388
33.93 25,885,998 13.47 19,733,369 22.26 7,057,875 25.32 57,566,036 21.91 117,609,392 15.56 36,956,551 14.06 181,475,041 12.61 17,530,133 0 24.44 15.05 30.48 11.82
88,962,423 13,361,605 5,443,087 4,461,874 36,164,706
24.5 25.07 31.68 29.11 28.91 17.01 22
232,046,133 38,973,683 4,588,560 10,548,108 112,500,036 11,736,719 8,829,514
Kabupaten Cilacap 1 2 3 4 5 6 1 2 1 2 1 2 3 4 5 6 7 8 9 10 11 1 2 3 4 5 6 7 1 2 3 4
PD. BPR BKK Cilacap Tengah 3.01 PT. BPR Artha Rahayu 6.41 PT. BPR Banyu Arthacitra 0.47 PT. BPR Citanduy Artha 0.1 PT. BPR Gunung Slamet 0.15 PT. BPR Kroya Bangunartha 1.7 Kabupaten Purbalingga PD. BPR BKK Purbalingga 2.85 PT. BPR Artha Perwira 2.11 Kabupaten Banjarnegara PD. BPR BKK Mandiraja 5.66 PT. BPR Surya Y.kencana 4.23 Kabupaten Magelang PD. BPR BAPAS 69 1.12 PD. BPR BKK Muntilan 4.84 PT BPR Dwiartha Sagriya 6.68 PT BPR Niji 8.62 PT. BPR Artha Mertoyudan 1.03 PT. BPR Artha Sambhara 2.68 PT. BPR Hidup Arthagraha 1.62 PT. BPR Kembang Parama 12.69 PT. BPR Lumbung Artha Muntilanindo 2.78 PT. BPR Mulyo Lumintu 7.73 PT. BPR Prima Mertoyudan Sejahtera 8.9 Kabupaten Temanggung PD. BPR BKK Temanggung 4.44 PD. BPR BP Kab. Temanggung 1.14 PT. BPR Intan Surya 6.61 PT. BPR Kedu Arthasetia 4.36 PT. BPR Kusuma Sumbing 3.18 PT. BPR Multi Arthanusa 6.91 PT. BPR Suryakusuma Kranggan 4.18 Kabupaten Wonosobo PD BPR Bank Wonosobo 2.85 PD. BPR BKK Wonosobo 8.66 PT. BPR Artha Selomanik Putra 46.38 PT. BPR Puspa Kencana 10.64
20.46 10.1 17.67 52.07 31.88 16.68
125,734,631 9,284,486 18,535,641 19,535,786 236,091,003 22,929,370
15.76 178,639,415 21 38,880,315 22.88 126,494,213 16.11 637,391,521 22.17 34.65 13.59 29.96 26.29 16.74 11.24 14.13 16.64 20.48 29.52
245,026,248 43,269,219 12,570,602 3,848,735 123,386,664 43,909,310 114,260,516 55,972,034 16,399,160 9,360,758 12,701,484
23.63 15.18 17.42 13.74 8.07 13.48 21.95
60,865,449 143,765,037 11,905,891 17,447,303 30,153,697 8,979,088 5,441,859
15.73 35.96 216.33 15.17
56,741,361 28,907,328 7,463,924 12,746,356
5 PT. BPR Surya Yudha
17.02 142,533,395
1 2
27.01 45,917,758 11.88 62,196,735
1 2 3 4 5 6 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 1 2 3 4 5 6
3.55 Kabupaten Purworejo PD BPR Bank Purworejo 0.19 PD. BPR BKK Purworejo 7.29 Kabupaten Kebumen PD. BPR BKK Kebumen 6.59 PD. BPR Kebumen 5.4 PT. BPR Artha Mitragombong 7.29 PT. BPR Danamitra Sejahtera 5.65 PT. BPR Gunung Merapi Kebumen 10.21 PT. BPR Sinararta Sejahtera 0.46 Kabupaten Klaten KOP. BP Patma 7.17 KOP. BPR Ceper 12.54 PD BPR Bank Klaten 9.22 PD. BPR BKK Pedan 4.6 PD. BPR BKK Tulung 4.87 PT BPR Artha Daya 7.37 PT BPR Hardi Mas Mandiri 27.14 PT BPR Ukabima BMMS 9.15 PT BPR Wuni Artha Utama 1.35 PT. BP Gunung Lawu 3.59 PT. BPR Bhakti Riyadi Wedi 1.44 PT. BPR Danamas Pratama 4.34 PT. BPR Delanggu Raya 5.53 PT. BPR Gunung Mas 13.77 PT. BPR Klaten Sejahtera 5.3 PT. BPR Kusuma Danaraja 36.31 PT. BPR Restu Klaten Makmur 1.19 PT. BPR Shinta Bhakti Wedi 3.61 PT. BPR Sinarenam Permai Delanggu 51.87 Kabupaten Boyolali PD. BPR BKK Boyolali Kota 4.99 PD. BPR Kabupaten Dati II Boyolali 1.35 PT BPR Mitra Pandanaran Mandiri 5.69 PT. BPR Arthayasa Ageng 5.92 PT. BPR Bank Desa Guna Daya 7.02 PT. BPR Nusamba Ampel 2.54
15.09 15.42 33.79 15.32 19.19 10.33
174,351,881 44,445,679 8,189,072 11,169,469 2,391,398 24,000,723
30 0 45.66 42.38 19.76 32.13 28.25 21.14 28.49 43 20.44 10.18 25.03 16.7 10.29 26.49 25.71 12 10.65
3,923,818 2,889,077 77,946,599 7,260,433 25,813,922 11,575,423 2,543,741 5,038,733 6,370,034 2,761,809 8,707,822 10,453,661 8,393,501 6,913,594 17,984,668 4,557,159 16,400,139 37,242,207 1,645,485
28.02 36.16 17.38 20.44 13.78 15.86
103,011,491 92,369,550 12,279,781 5,947,330 46,937,229 29,626,458
7 PT. BPR Yekti Insan Sembada 47.24 Kabupaten Sragen 1 PD. BPR BKK Karangmalang 2.3 2 PD. BPR Djoko Tingkir 8.69 3 PT BPR Mitra Banaran Mandiri 2.89 4 PT. BPR Gemolong Artha Mulyo 16.31 5 PT. BPR Ghadira Danamulia 13.06 6 PT. BPR Sukowati Jaya 2.03 7 PT. BPR Sumber Arta 2.12 Kabupaten Sukoharjo 1 PD. BPR BKK Baki 4.62 2 PD. BPR BKK Bendosari 1.81 3 PD. BPR BKK Grogol 11.78 4 PD. BPR BKK Mojolaban 2.3 5 PT BPR Surya Utama 9.56 6 PT. BPR Artha Sari Sentosa 1.28 7 PT. BPR Bekonang Sukoharjo 4.11 8 PT. BPR Grogol Joyo 9.77 9 PT. BPR Ihuthan Ganda 2.55 10 PT. BPR Jadi Manunggal Abadi 35.2 11 PT. BPR Kartadhani Mulya 10.78 12 PT. BPR Kartasura Makmur 3.58 13 PT. BPR Kartasura Saribumi 3.45 14 PT. BPR Restu Artha Abadi 7.97 15 PT. BPR Sami Makmur d/h Pajang Raya 6.31 16 PT. BPR Sinarguna Sejahtera 10.87 17 PT. BPR Solobaru Permai 6.62 18 PT. BPR Tugu Kencana 2.46 19 PT. BPR Wira Ardana Sejahtera 13.16 Kabupaten Karanganyar 1 PD BPR Bank Karanganyar 7.89 2 PD. BPR Bank Daerah Karanganyar 3.46 3 PD. BPR BKK Tasikmadu 6.06 4 PT BPR Arta Mas Surakarta 15.99 5 PT. BPR Antar Rumeksa Arta 18.62 6 PT. BPR Bina Sejahtera Insani 4.09 7 PT. BPR Buana Artha Lestari 9.9 8 PT. BPR Cita Dewi 11.69 9 PT. BPR Gondangrejo 15.91
23.95 7,005,864 0 37.7 20.83 48 55.83 15.32 62.96
221,894,175 41,044,456 13,089,408 2,469,477 1,949,898 8,747,441 5,134,237
33.88 36.64 21.12 42.72 13.14 0 19.7 28.03 20.77 39.3 151 12.86 15.91 8.47 37.99 17.48 35.41 20.74 34.93
8,606,330 7,639,384 21,604,562 4,810,832 4,255,192 29,527,660 5,855,904 8,043,760 11,268,164 2,590,350 10,747,054 11,148,609 136,153,146 6,372,015 3,814,857 5,318,820 7,745,112 6,520,241 1,658,478
24.83 27.68 24.91 17.24 21.65 10.99 44.24 10.4 18.2
72,919,452 151,700,084 63,438,139 6,836,509 6,425,406 61,928,136 1,332,777 11,015,005 4,555,981
10 11 12 13 14 1 2 3 1 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 1 2 3 1 2 3
PT. BPR Kandimadu Arta 3.77 PT. BPR Lawu Artha 3.81 PT. BPR Pura Artha Kencana Jatipuro 3.36 PT. BPR Tawangmangu Jaya 1.66 PT. BPR Trihasta Prasodjo 9.31 Kabupaten Wonogiri PD. BPR BKK Wonogiri Kota 4.95 PD. BPR Giri Suka Dana 2.05 PT. BPR Gajah Mungkur d/h Tunggal Dara 1.72 Kabupaten Batang PD. BPR BKK TPI Klidang Lor 4.55 PT. BPR Limpungarta Utama 1.13 Kota Semarang Pd. BPR Bank Pasar Kota Semarang 2.21 PD. BPR BKK Semarang Tengah 5.73 PT BPR Arto Moro 2.22 PT. BP Gunung Merbabu 2.1 PT. BPR Adil Jaya Artha 8.96 PT. BPR Artha Mukti Santosa 3.4 PT. BPR Estetika Artha Guna 6.29 PT. BPR Gunung Kawi 9.15 PT. BPR Gunung Kinibalu 10.77 PT. BPR Jateng 7.62 PT. BPR Kedung Arto 1.19 PT. BPR Kusuma Makmur 36.62 PT. BPR Mandiri Artha Abadi 4.51 PT. BPR Rudo Indobank 16.12 PT. BPR Semarang Margatama Gunadama 0.36 PT. BPR Setia Karib Abadi 19.76 PT. BPR Weleri Makmur 7.61 Kota Salatiga PD BPR Bank Salatiga 2.73 PT. BPR Dinamika Bangun Arta 9.64 PT. BPR Krida Harta Salatiga 16.95 Kota Pekalongan PD. BPR BKK Pekalongan Barat 10.82 PD. BPR BP Kota Pekalongan 20.89 PT BPR Sejahtera Artha Sembada 1.03
11.84 29.27 17.23 33.31 19.72
11,892,235 4,130,069 7,979,801 4,216,288 18,977,389
27.67 126,778,421 51.96 14,667,744 34.26 9,202,080 23.82 59,064,904 27.16 33,103,748 32.06 24.65 24.54 47.31 15.29 18.96 80.44 13.15 44.23 12.84 10.32 46.09 11.23 15.04 32.35 21.86 14.46
11,829,834 77,790,154 11,101,096 9,820,448 15,958,315 23,911,234 5,885,755 33,847,712 20,286,688 34,201,415 61,213,506 2,121,843 145,826,388 122,127,188 17,599,277 19,874,186 149,126,762
28.86 86,713,286 13.66 10,976,853 16.96 11,713,678 34.33 12,308,533 51.67 19,995,970 12.29 13,540,627
Kota Tegal 1 PD. BPR BKK Margadana 2 PD. BPR BP Kota Tegal 3 PT BPR Central Artha
13.5 26.81 1.97
38.72 10,611,374 19.78 7,318,591 11.46 17,702,908
PD BPR Bank Magelang PD. BPR BKK Magelang Utara PT. BPR Mertoyudan Makmur PT. BPR Mitra Mertoyudan Kota Surakarta
1.72 8.71 18.46 3.29
40.93 51.88 40 23.03
58,395,119 8,210,321 5,403,421 24,816,533
PD.BPR Bank Solo PT BPR Central International PT BPR Usaha Madani Karya Mulia PT. BPR Binalanggeng Mulia PT. BPR Dana Utama PT. BPR Nguter Surakarta PT. BPR Rejeki Insani PT. BPR Sabar Arthapalur PT. BPR Sukadana PT. BPR Sukadyarindang PT. BPR Suryamas
0.51 2.81 31.08 2.06 7.7 3.19 2.68 4.08 1.85 0.88 12.57
25.33 17.35 30.26 14.38 33.73 9.19 9 22.96 24.81 23.06 13.29
39,810,410 29,426,642 3,043,073 39,564,858 5,238,117 75,328,358 71,098,398 28,109,326 10,384,019 5,477,619 7,219,997
Kota Magelang 1 2 3 4
1 2 3 4 5 6 7 8 9 10 11
Lampiran 2 UJI ASUMSI KLASIK b Va ria ble s Ente re d/Re move d
Model 1
Variables Entered CAR, NPLa
Variables Removed .
Method Enter
a. All requested variables entered. b. Dependent Variable: Kredit Model Summaryb Model 1
R .229a
R Square .053
Adjusted R Square .045
a. Predictors: (Constant), CAR, NPL b. Dependent Variable: Kredit
Std. Error of the Estimate 59889498.9
DurbinWatson 2.058
ANOVAb Model 1
Sum of Squares 4.8E+016 8.7E+017 9.2E+017
Regression Residual Total
df 2 243 245
Mean Square 2.419E+016 3.587E+015
F 6.746
Sig. .001a
a. Predictors: (Constant), CAR, NPL b. Dependent Variable: Kredit Coefficientsa Unstandardized Coefficients Model 1
(Constant) NPL CAR
B 6E+007 -1250411 -351821
Standardized Coefficients
Std. Error 6685097 445794.8 200872.6
Beta -.179 -.112
t 8.357 -2.805 -1.751
Sig. .000 .005 .081
Collinearity Statistics Toleranc e VIF .959 .959
1.043 1.043
a. Dependent Variable: Kredit
a Coefficient Correlations
Model 1
Correlations
CAR 1.000 -.203 4E+010 -2E+010
CAR NPL CAR NPL
Covariances
NPL -.203 1.000 -2E+010 2E+011
a. Dependent Variable: Kredit a Collinearity Diagnostics
Model 1
Dimension 1 2 3
Eigenvalue 2.380 .414 .206
Condition Index 1.000 2.396 3.403
Variance Proportions (Constant) NPL CAR .05 .07 .05 .07 .90 .19 .88 .03 .75
a. Dependent Variable: Kredit
Residuals Statisticsa Predicted Value Std. Predicted Value Standard Error of Predicted Value Adjusted Predicted Value Residual Std. Residual Stud. Residual Deleted Residual Stud. Deleted Residual Mahal. Distance Cook's Distance Centered Leverage Value
Minimum -8E+007 -8.231
Maximum 5E+007 1.197
Mean 4E+007 .000
Std. Deviation 14053819.83 1.000
3820231
4E+007
5610602
3508857.170
246
-1E+008 -4E+007 -.688 -.690 -4E+007 -.689 .001 .000 .000
5E+007 6E+008 9.893 9.919 6E+008 12.832 102.714 .869 .419
4E+007 .00000 .000 .002 301565.8 .016 1.992 .006 .008
16704762.58 59644551.05 .996 1.002 60527451.64 1.133 8.002 .056 .033
246 246 246 246 246 246 246 246 246
a. Dependent Variable: Kredit
N 246 246
Scatterplot
Dependent Variable: Kredit
Regression Studentized Residual
10
8
6
4
2
0
-2 -10
-8
-6
-4
-2
0
Regression Standardized Predicted Value
NPar Test One-Sample Kolmogorov-Smirnov Test
N Normal Parameters
a,b
Most Extreme Differences
Unstandardiz ed Residual 246 .0000000 59644551.05 .251 .228 -.251 3.944 .000
Mean Std. Deviation Absolute Positive Negative
Kolmogorov-Smirnov Z Asymp. Sig. (2-tailed) a. Test distribution is Normal. b. Calculated from data.
Histogram
Dependent Variable: Kredit 120
Frequency
100
80
60
40
20 Mean =1.43E-16 Std. Dev. =0.996 N =246
0 -2
0
2
4
6
Regression Standardized Residual
8
10
2
LAMPIRAN 3 UJI REGRESI
Regression Model Summary Model 1
R .229a
R Square .053
Adjusted R Square .045
Std. Error of the Estimate 59889498.9
a. Predictors: (Constant), CAR, NPL ANOVAb Model 1
Regression Residual Total
Sum of Squares 4.8E+016 8.7E+017 9.2E+017
df 2 243 245
Mean Square 2.419E+016 3.587E+015
F 6.746
Sig. .001a
a. Predictors: (Constant), CAR, NPL b. Dependent Variable: Kredit Coefficientsa
Model 1
(Constant) NPL CAR
Unstandardized Coefficients B Std. Error 6E+007 6685097 -1250411 445794.8 -351821 200872.6
a. Dependent Variable: Kredit
Standardized Coefficients Beta -.179 -.112
t 8.357 -2.805 -1.751
Sig. .000 .005 .081
DAFTAR RIWAYAT HIDUP
Nama
: Wadonna Luzatty
Nim
: 232008104
Alamat Asal
: JL. Parasamya IX/71 Perumda Ungaran
Judul Skripsi
: ANALISIS PENGARUH NPL (NON PERFORMING LOAN) DAN CAR (CAPITAL ADEQUACY RASIO) TERHADAP PENYALURAN KREDIT PADA BPR KONVENSIONAL DI WILAYAH JAWA TENGAH PERIODE DESEMBER 2011
Riwayat Pendidikan
: SD Negeri Gedanganak 2 Ungaran, Lulus tahun 2002 SMP Negeri 1 Ungaran, Lulus Tahun 2005 SMA Negeri 1 Ungaran, Lulus Tahun 2008
Riwayat Seminar
: Kuliah Umum “The Essence Of Brand” 18 Februari 2009. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Seminar Nasional Akuntansi “Seminar Nasional Akuntansi dan Audit Usaha Kecil Menengah” dan Workshop “Implementasi Good Corporate Government pada Usaha Kecil Menengah”. 2 April 2009. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Seminar Enterprenership 2009, 10 November 2009, , Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Seminar Nasional Akuntansi “ Arsitektur Standar Keuangan di Indonesia dan Workshop Implementasi International Financial Reporting Standard”, 1 April 2009, Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Seminar Kerohanian, “Keluargaku penting nggak sih?”, 14 April 2009, Campus Ministry, Balairung Utama UKSW National Seminar On Accounting 2011, “Peran Akuntansi dalam Pemberantasan Korupsi”, 28 April 2010, Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Kuliah Umum “Asuransi Sebagai Pilihan Investasi”. 10 Februari 2010. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Seminar Budaya Penyimpangan Moralitas (Pandangan Dari segi Budaya, Kesehatan dan Sosial). 11 Mei 2010. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW Workshop Forex, 18 Januari 2011 Kuliah Tamu “Kebijakan BBM”. 6 Februari 2012. Fakultas Ekonomika dan Bisnis UKSW, Balairung Utama UKSW
Riwayat Berorganisasi
: Panitia Gebyar Teater Tilar 28 April Satgas Learning and Doing with LSM Truka Jaya 2010 “Accounting Goes to Village” Panitia Attex 2011 (Accounting The Explorer)
