analisis pengaruh npl (non performing loan) dan car ......kabupaten pati 1 kop. bpr wedariyaksa 3.73...
TRANSCRIPT
LAMPIRAN-LAMPIRAN
LAMPIRAN 1
Daftar Perusahaan Sample, Rasio CAR, Rasio NPL dan Penyaluran Kredit
NO BPR NPL CAR/
KPMM
Jumlah
Penyaluran Kredit
(Ribuan Rupiah)
Kabupaten Semarang
1 PD. BPR BKK Ungaran 2.46 13.56 149,158,131
2 PT. BPR Agung Sejahtera 17.54 11.21 34,840,417
3 PT. BPR Ambarawa Persada 1.83 25.65 21,856,049
4 PT. BPR Dana Mitra Sentosa 12.25 13.2 12,903,652
5 PT. BPR Inti Ambarawa Sejahtera 4.94 25.35 5,047,111
6 PT. BPR Klepu Mitra Kencana 2.96 19.71 26,858,587
7 PT. BPR Kusuma Palagan Ambarawa 21.3 32.37 6,524,523
8 PT. BPR Mekar Nugraha Klepu 2.4 22.01 25,373,630
9 PT. BPR Mitra Mulia Persada 4.77 23.9 9,326,514
10 PT. BPR Persada Ganda 2.81 15.18 10,655,166
11 PT. BPR Restu Klepu Makmur 1.83 23.8 73,381,012
12 PT. BPR Satria Pertiwi Semarang 6.11 17.24 13,098,170
Kabupaten Kendal
1 PD BPR Kendali Artha 6.67 20.25 53,700,410
2 PD. BPR BKK Boja 6.94 23.21 72,659,901
3 PT BPR Swadharma Makmur Artha Sembada 32.92 15.4 4,558,626
4 PT. BPR Anugerah Harta Kaliwungu 2.18 28.26 5,885,369
5 PT. BPR Artha Kaliwungu 3.64 71.38 8,000,798
6 PT. BPR Arthama Cerah Weleri 8.64 26.35 7,200,528
7 PT. BPR Citra Darian 4.02 15.14 11,170,652
8 PT. BPR Kusuma Rejo 9.74 35.79 6,600,244
9 PT. BPR Kusuma Sari 62.75 6.76 2,813,642
10 PT. BPR Nusamba Cepiring 0.2 13.93 66,382,378
11 PT. BPR Pasar Boja 9.61 12.43 36,532,406
12 PT. BPR Enggal Makmur Adi Santoso 5.52 30.98 6,110,741
13 PT. BPR Sukorejo Menara Mulya 5.24 31.24 3,412,637
14 PT. BPR Weleri Jayapersada 4.27 26.68 5,057,156
Kabupaten Demak
1 PD. BPR BKK Demak Kota 4.09 34.22 64,526,977
2 PT. BPR Artamas 3.32 13.59 12,257,084
3 PT. BPR Arthanugraha Makmursejahtera 3.36 31.97 5,526,477
4 PT. BPR Karticentra Artha 25.67 26.27 2,616,243
5 PT. BPR Kusuma Langgeng 2.89 58.83 6,334,120
6 PT. BPR Mranggen Mitrapersada 0.68 12.15 31,028,302
7 PT. BPR Restu Mranggen Makmur 2.85 29.06 24,256,785
8 PT. BPR Sindhur Arta Mulia Kencana 6.22 40.48 2,341,115
9 PT. BPR Swadharma Mranggen 3.53 26.52 11,186,296
Kabupaten Grobogan
1 PD. BPR BKK Purwodadi 8.21 23.93 225,651,442
2 PT. BPR Purwa Artha 11.5 76.8 23,210,602
3 PT. BPR Semeru 8.39 12.97 14,075,993
4 PT. BPR Wirosari Ijo 4.56 11.99 40,815,380
Kabupaten Pekalongan
1 PD. BPR BKK Karanganyar 2.37 13.64 140,240,202
Kabupaten Tegal
1 PD BPR Bank Tegal Gotong Royong 9.6 25.15 18,854,556
2 PD. BPR BKK Talang 7.28 33.3 33,355,289
3 PT. BPR Arismentari Ayu 16.79 24.03 6,728,758
4 PT. BPR Artha Kramat 7.55 23.88 6,798,569
5 PT. BPR Arthapuspa Mega 3.11 9.4 23,510,842
6 PT. BPR Bumi Sediaguna 5.78 26.52 5,846,286
7 PT. BPR Dhana Adiwerna 4.49 16.13 10,917,210
8 PT. BPR Mega Artha Mustika 2 15.3 19,313,588
9 PT. BPR Nusamba Adiwerna 1.84 11.42 36,840,067
10 PT. BPR Nusumma Jateng 11.92 10.1 20,377,909
11 PT. BPR Sahabat Tata 3.52 42.25 5,140,559
Kabupaten Brebes
1 PD. BPR BKK Banjarharjo 5.05 38.4 25,197,488
2 PD. BPR Puspakencana 10 34.94 31,038,096
3 PT. BPR Arisma Mandiri 6.44 64.44 1,820,508
4 PT. BPR Eleska Artha 15.11 42.74 1,597,385
5 PT. BPR Jatibarang Sediaguna 4.9 24.13 6,905,426
Kabupaten Pati
1 KOP. BPR Wedariyaksa 3.73 20.32 26,525,398
2 PD BPR Bank Daerah Pati 1.33 16.39 100,890,964
3 PD. BPR BKK Pati Kota 13.12 6.73 90,675,268
4 PT BPR Mitra Pati Mandiri 3.42 15.63 17,251,158
5 PT. BPR Artaperdana Delta Sentosa 5.95 19.93 7,135,004
6 PT. BPR Artha Huda Abadi 4.09 11.8 37,882,607
7 PT. BPR Asabahana Sejahtera 11.78 25.94 6,126,478
8 PT. BPR Juwana Arthasurya 19.09 12.24 2,449,969
9 PT. BPR Kusuma Arta Rini 5.13 34.29 5,409,907
10 PT. BPR Sungkunandhana 2.26 19.58 21,276,040
11 PT. BPR Tayu Dutapersada 0.09 22.55 20,456,898
Kabupaten Kudus
1 PD. BPR BKK Jati Kudus 15.78 12.41 47,884,941
2 PD. BPR BP Kab. Kudus 4.58 26.19 29,970,740
3 PT BPR Mitra Budikusuma Mandiri 5.92 14.44 12,077,186
4 PT. BPR Catur Artha Jaya 5.89 9.74 19,452,688
5 PT. BPR Dananta 6.08 24.33 5,566,600
6 PT. BPR Hartha Muriatama 4.61 12.21 16,666,442
7 PT. BPR Taruna Adidaya Santosa 12.03 21.47 6,884,388
Kabupaten Pemalang
1 PD. BPR Bank Pemalang 13.43 33.93 25,885,998
2 PT. BPR Hidup Artha Putra 2.28 13.47 19,733,369
3 PT. BPR Panasayu Arthalayan Sejahtera 30.91 22.26 7,057,875
Kabupaten Jepara
1 PD. BPR BKK Jepara Kota 2.07 25.32 57,566,036
2 PD. BPR Jepara Artha 1.99 21.91 117,609,392
3 PT. BPR Nusamba Pecangaan Jepara 1.41 15.56 36,956,551
Kabupaten Rembang
1 PD. BPR BKK Lasem 4.07 14.06 181,475,041
2 PD. BPR BP Kab. Rembang 2.77 12.61 17,530,133
Kabupaten Blora
1 PD. BPR BKK Blora Kota 9.4 0 88,962,423
2 PD. BPR BP Kab. Blora 4.31 24.44 13,361,605
3 PT BPR Cepu Nasionalbank 10.37 15.05 5,443,087
4 PT. BPR Dhana Mitratama 4.58 30.48 4,461,874
5 PT. BPR Dutabhakti Insani 1.78 11.82 36,164,706
Kabupaten Banyumas
1 PD. BPR BKK Purwokerto Utara 2.97 24.5 232,046,133
2 PT. BPR Artha Mekar Sokaraja 0.38 25.07 38,973,683
3 PT. BPR Dana Mitra Sakti 2.44 31.68 4,588,560
4 PT. BPR Danamitra Sokaraja 14.29 29.11 10,548,108
5 PT. BPR Gunung Simping Artha 0.04 28.91 112,500,036
6 PT. BPR Sahabat Purwokerto 12.93 17.01 11,736,719
7 PT. BPR Soka Panca Artha 4.79 22 8,829,514
Kabupaten Cilacap
1 PD. BPR BKK Cilacap Tengah 3.01 20.46 125,734,631
2 PT. BPR Artha Rahayu 6.41 10.1 9,284,486
3 PT. BPR Banyu Arthacitra 0.47 17.67 18,535,641
4 PT. BPR Citanduy Artha 0.1 52.07 19,535,786
5 PT. BPR Gunung Slamet 0.15 31.88 236,091,003
6 PT. BPR Kroya Bangunartha 1.7 16.68 22,929,370
Kabupaten Purbalingga
1 PD. BPR BKK Purbalingga 2.85 15.76 178,639,415
2 PT. BPR Artha Perwira 2.11 21 38,880,315
Kabupaten Banjarnegara
1 PD. BPR BKK Mandiraja 5.66 22.88 126,494,213
2 PT. BPR Surya Y.kencana 4.23 16.11 637,391,521
Kabupaten Magelang
1 PD. BPR BAPAS 69 1.12 22.17 245,026,248
2 PD. BPR BKK Muntilan 4.84 34.65 43,269,219
3 PT BPR Dwiartha Sagriya 6.68 13.59 12,570,602
4 PT BPR Niji 8.62 29.96 3,848,735
5 PT. BPR Artha Mertoyudan 1.03 26.29 123,386,664
6 PT. BPR Artha Sambhara 2.68 16.74 43,909,310
7 PT. BPR Hidup Arthagraha 1.62 11.24 114,260,516
8 PT. BPR Kembang Parama 12.69 14.13 55,972,034
9 PT. BPR Lumbung Artha Muntilanindo 2.78 16.64 16,399,160
10 PT. BPR Mulyo Lumintu 7.73 20.48 9,360,758
11 PT. BPR Prima Mertoyudan Sejahtera 8.9 29.52 12,701,484
Kabupaten Temanggung
1 PD. BPR BKK Temanggung 4.44 23.63 60,865,449
2 PD. BPR BP Kab. Temanggung 1.14 15.18 143,765,037
3 PT. BPR Intan Surya 6.61 17.42 11,905,891
4 PT. BPR Kedu Arthasetia 4.36 13.74 17,447,303
5 PT. BPR Kusuma Sumbing 3.18 8.07 30,153,697
6 PT. BPR Multi Arthanusa 6.91 13.48 8,979,088
7 PT. BPR Suryakusuma Kranggan 4.18 21.95 5,441,859
Kabupaten Wonosobo
1 PD BPR Bank Wonosobo 2.85 15.73 56,741,361
2 PD. BPR BKK Wonosobo 8.66 35.96 28,907,328
3 PT. BPR Artha Selomanik Putra 46.38 216.33 7,463,924
4 PT. BPR Puspa Kencana 10.64 15.17 12,746,356
5 PT. BPR Surya Yudha 3.55 17.02 142,533,395
Kabupaten Purworejo
1 PD BPR Bank Purworejo 0.19 27.01 45,917,758
2 PD. BPR BKK Purworejo 7.29 11.88 62,196,735
Kabupaten Kebumen
1 PD. BPR BKK Kebumen 6.59 15.09 174,351,881
2 PD. BPR Kebumen 5.4 15.42 44,445,679
3 PT. BPR Artha Mitragombong 7.29 33.79 8,189,072
4 PT. BPR Danamitra Sejahtera 5.65 15.32 11,169,469
5 PT. BPR Gunung Merapi Kebumen 10.21 19.19 2,391,398
6 PT. BPR Sinararta Sejahtera 0.46 10.33 24,000,723
Kabupaten Klaten
1 KOP. BP Patma 7.17 30 3,923,818
2 KOP. BPR Ceper 12.54 0 2,889,077
3 PD BPR Bank Klaten 9.22 45.66 77,946,599
4 PD. BPR BKK Pedan 4.6 42.38 7,260,433
5 PD. BPR BKK Tulung 4.87 19.76 25,813,922
6 PT BPR Artha Daya 7.37 32.13 11,575,423
7 PT BPR Hardi Mas Mandiri 27.14 28.25 2,543,741
8 PT BPR Ukabima BMMS 9.15 21.14 5,038,733
9 PT BPR Wuni Artha Utama 1.35 28.49 6,370,034
10 PT. BP Gunung Lawu 3.59 43 2,761,809
11 PT. BPR Bhakti Riyadi Wedi 1.44 20.44 8,707,822
12 PT. BPR Danamas Pratama 4.34 10.18 10,453,661
13 PT. BPR Delanggu Raya 5.53 25.03 8,393,501
14 PT. BPR Gunung Mas 13.77 16.7 6,913,594
15 PT. BPR Klaten Sejahtera 5.3 10.29 17,984,668
16 PT. BPR Kusuma Danaraja 36.31 26.49 4,557,159
17 PT. BPR Restu Klaten Makmur 1.19 25.71 16,400,139
18 PT. BPR Shinta Bhakti Wedi 3.61 12 37,242,207
19 PT. BPR Sinarenam Permai Delanggu 51.87 10.65 1,645,485
Kabupaten Boyolali
1 PD. BPR BKK Boyolali Kota 4.99 28.02 103,011,491
2 PD. BPR Kabupaten Dati II Boyolali 1.35 36.16 92,369,550
3 PT BPR Mitra Pandanaran Mandiri 5.69 17.38 12,279,781
4 PT. BPR Arthayasa Ageng 5.92 20.44 5,947,330
5 PT. BPR Bank Desa Guna Daya 7.02 13.78 46,937,229
6 PT. BPR Nusamba Ampel 2.54 15.86 29,626,458
7 PT. BPR Yekti Insan Sembada 47.24 23.95 7,005,864
Kabupaten Sragen
1 PD. BPR BKK Karangmalang 2.3 0 221,894,175
2 PD. BPR Djoko Tingkir 8.69 37.7 41,044,456
3 PT BPR Mitra Banaran Mandiri 2.89 20.83 13,089,408
4 PT. BPR Gemolong Artha Mulyo 16.31 48 2,469,477
5 PT. BPR Ghadira Danamulia 13.06 55.83 1,949,898
6 PT. BPR Sukowati Jaya 2.03 15.32 8,747,441
7 PT. BPR Sumber Arta 2.12 62.96 5,134,237
Kabupaten Sukoharjo
1 PD. BPR BKK Baki 4.62 33.88 8,606,330
2 PD. BPR BKK Bendosari 1.81 36.64 7,639,384
3 PD. BPR BKK Grogol 11.78 21.12 21,604,562
4 PD. BPR BKK Mojolaban 2.3 42.72 4,810,832
5 PT BPR Surya Utama 9.56 13.14 4,255,192
6 PT. BPR Artha Sari Sentosa 1.28 0 29,527,660
7 PT. BPR Bekonang Sukoharjo 4.11 19.7 5,855,904
8 PT. BPR Grogol Joyo 9.77 28.03 8,043,760
9 PT. BPR Ihuthan Ganda 2.55 20.77 11,268,164
10 PT. BPR Jadi Manunggal Abadi 35.2 39.3 2,590,350
11 PT. BPR Kartadhani Mulya 10.78 151 10,747,054
12 PT. BPR Kartasura Makmur 3.58 12.86 11,148,609
13 PT. BPR Kartasura Saribumi 3.45 15.91 136,153,146
14 PT. BPR Restu Artha Abadi 7.97 8.47 6,372,015
15 PT. BPR Sami Makmur d/h Pajang Raya 6.31 37.99 3,814,857
16 PT. BPR Sinarguna Sejahtera 10.87 17.48 5,318,820
17 PT. BPR Solobaru Permai 6.62 35.41 7,745,112
18 PT. BPR Tugu Kencana 2.46 20.74 6,520,241
19 PT. BPR Wira Ardana Sejahtera 13.16 34.93 1,658,478
Kabupaten Karanganyar
1 PD BPR Bank Karanganyar 7.89 24.83 72,919,452
2 PD. BPR Bank Daerah Karanganyar 3.46 27.68 151,700,084
3 PD. BPR BKK Tasikmadu 6.06 24.91 63,438,139
4 PT BPR Arta Mas Surakarta 15.99 17.24 6,836,509
5 PT. BPR Antar Rumeksa Arta 18.62 21.65 6,425,406
6 PT. BPR Bina Sejahtera Insani 4.09 10.99 61,928,136
7 PT. BPR Buana Artha Lestari 9.9 44.24 1,332,777
8 PT. BPR Cita Dewi 11.69 10.4 11,015,005
9 PT. BPR Gondangrejo 15.91 18.2 4,555,981
10 PT. BPR Kandimadu Arta 3.77 11.84 11,892,235
11 PT. BPR Lawu Artha 3.81 29.27 4,130,069
12 PT. BPR Pura Artha Kencana Jatipuro 3.36 17.23 7,979,801
13 PT. BPR Tawangmangu Jaya 1.66 33.31 4,216,288
14 PT. BPR Trihasta Prasodjo 9.31 19.72 18,977,389
Kabupaten Wonogiri
1 PD. BPR BKK Wonogiri Kota 4.95 27.67 126,778,421
2 PD. BPR Giri Suka Dana 2.05 51.96 14,667,744
3 PT. BPR Gajah Mungkur d/h Tunggal Dara 1.72 34.26 9,202,080
Kabupaten Batang
1 PD. BPR BKK TPI Klidang Lor 4.55 23.82 59,064,904
2 PT. BPR Limpungarta Utama 1.13 27.16 33,103,748
Kota Semarang
1 Pd. BPR Bank Pasar Kota Semarang 2.21 32.06 11,829,834
2 PD. BPR BKK Semarang Tengah 5.73 24.65 77,790,154
3 PT BPR Arto Moro 2.22 24.54 11,101,096
4 PT. BP Gunung Merbabu 2.1 47.31 9,820,448
5 PT. BPR Adil Jaya Artha 8.96 15.29 15,958,315
6 PT. BPR Artha Mukti Santosa 3.4 18.96 23,911,234
7 PT. BPR Estetika Artha Guna 6.29 80.44 5,885,755
8 PT. BPR Gunung Kawi 9.15 13.15 33,847,712
9 PT. BPR Gunung Kinibalu 10.77 44.23 20,286,688
10 PT. BPR Jateng 7.62 12.84 34,201,415
11 PT. BPR Kedung Arto 1.19 10.32 61,213,506
12 PT. BPR Kusuma Makmur 36.62 46.09 2,121,843
13 PT. BPR Mandiri Artha Abadi 4.51 11.23 145,826,388
14 PT. BPR Rudo Indobank 16.12 15.04 122,127,188
15 PT. BPR Semarang Margatama Gunadama 0.36 32.35 17,599,277
16 PT. BPR Setia Karib Abadi 19.76 21.86 19,874,186
17 PT. BPR Weleri Makmur 7.61 14.46 149,126,762
Kota Salatiga
1 PD BPR Bank Salatiga 2.73 28.86 86,713,286
2 PT. BPR Dinamika Bangun Arta 9.64 13.66 10,976,853
3 PT. BPR Krida Harta Salatiga 16.95 16.96 11,713,678
Kota Pekalongan
1 PD. BPR BKK Pekalongan Barat 10.82 34.33 12,308,533
2 PD. BPR BP Kota Pekalongan 20.89 51.67 19,995,970
3 PT BPR Sejahtera Artha Sembada 1.03 12.29 13,540,627
Kota Tegal
1 PD. BPR BKK Margadana 13.5 38.72
10,611,374
2 PD. BPR BP Kota Tegal 26.81 19.78 7,318,591
3 PT BPR Central Artha 1.97 11.46 17,702,908
Kota Magelang
1 PD BPR Bank Magelang 1.72 40.93 58,395,119
2 PD. BPR BKK Magelang Utara 8.71 51.88 8,210,321
3 PT. BPR Mertoyudan Makmur 18.46 40 5,403,421
4 PT. BPR Mitra Mertoyudan 3.29 23.03 24,816,533
Kota Surakarta
1 PD.BPR Bank Solo 0.51 25.33
39,810,410
2 PT BPR Central International 2.81 17.35 29,426,642
3 PT BPR Usaha Madani Karya Mulia 31.08 30.26 3,043,073
4 PT. BPR Binalanggeng Mulia 2.06 14.38 39,564,858
5 PT. BPR Dana Utama 7.7 33.73 5,238,117
6 PT. BPR Nguter Surakarta 3.19 9.19 75,328,358
7 PT. BPR Rejeki Insani 2.68 9 71,098,398
8 PT. BPR Sabar Arthapalur 4.08 22.96 28,109,326
9 PT. BPR Sukadana 1.85 24.81 10,384,019
10 PT. BPR Sukadyarindang 0.88 23.06 5,477,619
11 PT. BPR Suryamas 12.57 13.29 7,219,997
Lampiran 2
UJI ASUMSI KLASIK
Variables Entered/Removedb
CAR, NPLa . Enter
Model
1
Variables
Entered
Variables
Removed Method
All requested variables entered.a.
Dependent Variable: Kreditb.
Model Summaryb
.229a .053 .045 59889498.9 2.058
Model
1
R R Square
Adjusted
R Square
Std. Error of
the Estimate
Durbin-
Watson
Predictors: (Constant), CAR, NPLa.
Dependent Variable: Kreditb.
ANOVAb
4.8E+016 2 2.419E+016 6.746 .001a
8.7E+017 243 3.587E+015
9.2E+017 245
Regression
Residual
Total
Model
1
Sum of
Squares df Mean Square F Sig.
Predictors: (Constant), CAR, NPLa.
Dependent Variable: Kreditb.
Coefficientsa
6E+007 6685097 8.357 .000
-1250411 445794.8 -.179 -2.805 .005 .959 1.043
-351821 200872.6 -.112 -1.751 .081 .959 1.043
(Constant)
NPL
CAR
Model
1
B Std. Error
Unstandardized
Coefficients
Beta
Standardized
Coefficients
t Sig.
Toleranc
e VIF
Collinearity Statistics
Dependent Variable: Kredita.
Coefficient Correlationsa
1.000 -.203
-.203 1.000
4E+010 -2E+010
-2E+010 2E+011
CAR
NPL
CAR
NPL
Correlations
Covariances
Model
1
CAR NPL
Dependent Variable: Kredita.
Collinearity Diagnosticsa
2.380 1.000 .05 .07 .05
.414 2.396 .07 .90 .19
.206 3.403 .88 .03 .75
Dimension
1
2
3
Model
1
Eigenvalue
Condition
Index (Constant) NPL CAR
Variance Proportions
Dependent Variable: Kredita.
Residuals Statisticsa
-8E+007 5E+007 4E+007 14053819.83 246
-8.231 1.197 .000 1.000 246
3820231 4E+007 5610602 3508857.170 246
-1E+008 5E+007 4E+007 16704762.58 246
-4E+007 6E+008 .00000 59644551.05 246
-.688 9.893 .000 .996 246
-.690 9.919 .002 1.002 246
-4E+007 6E+008 301565.8 60527451.64 246
-.689 12.832 .016 1.133 246
.001 102.714 1.992 8.002 246
.000 .869 .006 .056 246
.000 .419 .008 .033 246
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 Maximum Mean Std. Deviation N
Dependent Variable: Kredita.
NPar Test
Regression Standardized Predicted Value
20-2-4-6-8-10
Regre
ssion
Studen
tized R
esidua
l
10
8
6
4
2
0
-2
Scatterplot
Dependent Variable: Kredit
One-Sample Kolmogorov-Smirnov Test
246
.0000000
59644551.05
.251
.228
-.251
3.944
.000
N
Mean
Std. Deviation
Normal Parameters a,b
Absolute
Positive
Negative
Most Extreme
Differences
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
Unstandardiz
ed Residual
Test distribution is Normal.a.
Calculated from data.b.
Regression Standardized Residual
1086420-2
Freq
uenc
y
120
100
80
60
40
20
0
Histogram
Dependent Variable: Kredit
Mean =1.43E-16Std. Dev. =0.996
N =246
LAMPIRAN 3
UJI REGRESI
Regression
Model Summary
.229a .053 .045 59889498.9
Model
1
R R Square
Adjusted
R Square
Std. Error of
the Estimate
Predictors: (Constant), CAR, NPLa.
ANOVAb
4.8E+016 2 2.419E+016 6.746 .001a
8.7E+017 243 3.587E+015
9.2E+017 245
Regression
Residual
Total
Model
1
Sum of
Squares df Mean Square F Sig.
Predictors: (Constant), CAR, NPLa.
Dependent Variable: Kreditb.
Coefficientsa
6E+007 6685097 8.357 .000
-1250411 445794.8 -.179 -2.805 .005
-351821 200872.6 -.112 -1.751 .081
(Constant)
NPL
CAR
Model
1
B Std. Error
Unstandardized
Coefficients
Beta
Standardized
Coefficients
t Sig.
Dependent Variable: Kredita.
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)