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DATA PENELITIAN
Nama Bank Tahun IsIR PSR IIR CG FSF
Bank Muamalat Syariah 2015 2,06 0,54 0,03 2 8
2016 2,08 0,54 1,00 2 99
2017 2,26 0,05 1,00 3 119
2018 2,29 0,04 1,00 3 56
2019 2,40 0,51 1,00 3 7
Bank Syariah Mandiri 2015 0,63 0,21 1,00 2 8
2016 0,61 0,30 0,81 1 0
2017 1,28 0,10 0,10 1 0
2018 1,25 0,95 0,23 2 0
2019 0,52 0,22 0,72 1 25
Bank Negara Indonesia
Syariah 2015 1,43 0,19 1,00 2 3
2016 1,96 0,97 1,00 2 0
2017 1,36 0,17 1,00 2 0
2018 1,32 0,28 1,00 2 0
2019 1,41 0,16 0,02 2 3
Bank Rakyat Indonesia
Syariah 2015 1,59 0,36 1,40 2 0
2016 1,53 0,06 -1,85 2 0
2017 1,59 0,54 -2,68 2 0
2018 1,58 0,10 -4,24 2 0
2019 1,80 0,32 0,81 2 0
Bank Central Asia Syariah 2015 0,69 0,45 0,05 1 0
2016 0,68 0,33 1,00 1 0
2017 0,68 0,48 1,00 1 0
2018 0,68 0,55 0,06 1 0
2019 2,02 0,47 0,06 1 0
Bank Syariah Bukopin 2015 0,06 0,12 0,00 2 0
2016 0,61 0,51 0,01 2 0
115
2017 0,06 0,59 0,01 2 0
2018 1,42 0,62 0,04 2 0
2019 0,78 0,31 0,26 3 0
BTPN Syariah 2015 0,25 0,00 1,00 2 0
2016 0,33 0,00 1,00 2 0
2017 0,30 0,00 1,00 2 0
2018 1,11 0,00 -2,56 2 0
2019 0,13 0,00 1,00 2 0
Bank Syariah Mega Indonesia
2015 0,57 0,00 1,00 2 1
2016 0,57 0,00 1,00 2 4
2017 0,76 0,00 1,00 2 3
2018 0,73 0,00 1,00 2 3
2019 0,09 0,01 1,00 2 0
Bank Victoria Syariah 2015 0,78 0,66 1,00 3 0
2016 0,01 0,77 1,00 3 0
2017 0,01 0,73 1,00 2 0
2018 0,01 0,79 1,00 2 0
2019 0,76 0,54 1,00 2 0
Panin Bank Syariah 2015 3,04 0,91 1,00 2 3
2016 0,64 0,84 1,00 2 2
2017 0,62 0,77 1,00 2 5
2018 0,25 0,89 1,00 2 4
2019 2,67 0,87 -0,03 2 0
Bank Jawa Barat Banten
Syariah 2015 0,69 0,00 1,00 3 0
2016 0,68 0,30 1,00 3 2
2017 0,68 0,33 1,00 3 0
2018 0,65 0,09 1,00 3 0
2019 0,71 0,00 1,00 3 0
Maybank Syariah
Indonesia 2015 0,56 0,82 1,00 2 0
2016 0,58 0,12 1,00 2 0
2017 0,54 0,08 1,00 1 1
116
2018 0,52 0,06 1,00 2 0
2019 0,55 0,16 1,00 1 0
Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
Fraud 60 ,00 119,00 5,9333 20,95181
ICG 60 1,00 3,00 2,0167 ,59636
IsIR 60 ,01 3,04 ,9737 ,72629
PSR 60 ,00 ,97 ,3463 ,30927
IIR 60 -4,24 1,40 ,5375 1,01461
Valid N (listwise) 60
Descriptive Statistics
N Skewness Kurtosis
Statistic Statistic Std. Error Statistic Std. Error
Standardized Residual 15 ,276 ,580 -,776 1,121
Valid N (listwise) 15
117
B. Uji Multikolinieritas
Coefficientsa
Model Unstandardized Standardized t Sig. Collinearity Statistics
Coefficients Coefficients
B Std. Error Beta Tolerance VIF
(Constant) 1,342 1,165 1,152 ,276
LNX1 ,313 1,329 ,072 ,235 ,819 ,741 1,349
1 LNX2 ,741 ,620 ,381 1,196 ,259 ,683 1,464
LNX3 -,400 ,382 -,282 -1,045 ,321 ,957 1,045
LNX4 ,216 ,312 ,191 ,695 ,503 ,918 1,089
Coefficientsa
Model Unstandardized Coefficients Standardized t Sig.
Coefficients
B Std. Error Beta
(Constant) 1,348 1,067 1,263 ,235
LnX1 -2,347 1,218 -,580 -1,927 ,083
1 LnX2 ,785 ,568 ,433 1,381 ,197
LnX3 -,060 ,350 -,045 -,170 ,869
LnX4 ,373 ,286 ,353 1,305 ,221
a. Dependent Variable: LnU2
118
D. Uji Autokorelasi menggunakan LM Test
Model Summaryb
Model R R Square Adjusted R Std. Error of the
Square Estimate
1 ,135a ,018 -,963 1,53855111
a. Predictors: (Constant), Ut_1, LNX1, LNX2, LNX3
b. Dependent Variable: Unstandardized Residual
Model Summaryb
Model R R Square Adjusted R Std. Error of the
Square Estimate
1 ,485a ,235 ,180 18,97389
a. Predictors: (Constant), IIR, PSR, ICG, IsIR
b. Dependent Variable: Fraud
Persamaan 2
Model Summaryb
Model R R Square Adjusted R Std. Error of the
Square Estimate
1 ,948 a
,898 ,889 6,98120
119
3.Analisis Regresi Berganda
Coefficientsa
Model Unstandardized Coefficients Standardized t Sig.
Coefficients
B Std. Error Beta
(Constant) -13,849 9,451 -1,465 ,149
ICG 4,529 4,218 ,129 1,074 ,288
1 IsIR 12,852 3,604 ,446 3,566 ,001
PSR -12,140 8,208 -,179 -1,479 ,145
IIR 4,351 2,535 ,211 1,716 ,092
a. Dependent Variable: Fraud
4.Uji Hipotesis
A.Uji F
ANOVAa
Model Sum of Squares df Mean Square F Sig.
Regression 6099,269 4 1524,817 4,236 ,005b
1 Residual 19800,465 55 360,008
Total 25899,733 59
a. Dependent Variable: Fraud
b. Predictors: (Constant), IIR, PSR, ICG, IsIR
120
B.Uji T
Coefficientsa
Model Unstandardized Coefficients Standardized t Sig.
Coefficients
B Std. Error Beta
(Constant) -13,849 9,451 -1,465 ,149
121
BIODATA PENULIS
NIM : 1730603233
Agama : Islam
Email : rifky010100@gmail.com
RIWAYAT PENDIDIKAN :
SD MUHAMMADIYAH 14 PALEMBANG
122