Analisis Pengaruh NPL (Non Performing Loan) dan Car ......Kabupaten Pati 1 KOP. BPR Wedariyaksa 3.73...

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.


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.



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


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


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


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


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.



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.


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,


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,


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,


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,


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)

Analisis Pengaruh NPL (Non Performing Loan) dan Car ......Kabupaten Pati 1 KOP. BPR Wedariyaksa 3.73...

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Transcript of Analisis Pengaruh NPL (Non Performing Loan) dan Car ......Kabupaten Pati 1 KOP. BPR Wedariyaksa 3.73...