LAMPIRAN 1
Data CAR, NPL, BI rate dan Total Kredit Bank Asing (2008-2012)
Tahun Periode
Standard Chartered
Citi Bank
CAR
NPL
BI
RATE
KREDIT
CAR
NPL
BI
RATE
KREDIT
2008
MARET
15
15
8
16218313
25
7
8
22360119
JUNI
14
14
8.5
15991155
22
2
8.5
24074663
SEPT
13
5
9.25
19198690
22
1
9.25
24639247
DES
14
6
8
20043986
25
8
9.25
27250610
2009
MARET
14
14
7.75
19033994
28
8
7.75
26106994
JUNI
16
16
7
19902037
29
9
7
24209201
SEPT
12
4
6.5
17841583
30
9
6.5
24558439
DES
15
8
6.5
20670706
30
10
6.5
24540113
2010
MARET
12
12
6.5
19313757
29
8
6.5
24776326
JUNI
15
15
6.5
22408044
26
9
6.5
25906669
SEPT
13
6
6.5
23240887
24
10
6.5
26582744
DES
14
7
6.5
21857580
22
2
6.5
26826875
2011
MARET
13
6
6.75
25679247
22
2
6.75
26329141
JUNI
12
7
6.75
25679247
21
2
6.75
26329141
SEPT
11
7
6.75
25679247
18
1
6.75
26329141
DES
14
7
6
25679247
20
1
6
26329141
2012
MARET
13
7
5.75
27492182
26
1
5.75
27830013
JUNI
12
6
5.75
31286225
25
0
5.75
2973744
SEPT
12
5
5.75
32524893
22
0
5.75
30628355
DES
16
4
5.75
31133402
23
0
5.75
31035464
Keterangan :
Tahun
Periode
HSBC
Deutsche Bank
CAR
NPL
BI
RATE KREDIT
CAR
NPL
BI
RATE
KREDIT
2008
MARET
16
11
8
17508547
49
5
8
6929886
JUNI
14
9
8.5
19801201
45
4
8.5
6880189
SEPT
15
9
9.25
21548638
45
5
9.25
7244699
DES
12
10
9.25
22742485
46
6
9.25
7174689
2009
MARET
21
6
7.75
20855590
58
6
7.75
6884176
JUNI
21
7
7
18927442
56
9
7
5358692
SEPT
12
8
6.5
18933663
52
8
6.5
5118383
DES
19
15
6.5
20422908
40
6
6.5
5583848
2010
MARET
17
15
6.5
21227165
45
5
6.5
5839258
JUNI
16
3
6.5
21054327
31
3
6.5
6951432
SEPT
13
3
6.5
24691319
22
3
6.5
5278117
DES
13
2
6.5
23918615
25
3
6.5
4933359
2011
MARET
20
2
6.75
30750202
25
2
6.75
4542859
JUNI
19
2
6.75
30750202
27
2
6.75
4542859
SEPT
18
3
6.75
30750202
28
2
6.75
4542859
DES
17
1
6
30750202
21
1
6
4542859
2012
MARET
18
0
5.75
31074264
30
1
5.75
5332686
JUNI
17
0
5.75
35402026
31
1
5.75
4356064
SEPT
17
0
5.75
36619522
28
1
5.75
5143020
DES
17
0
5.75
38470419
20
1
5.75
6023338
Keterangan :
Tahun Periode
Bank of America
Bank of China
CAR
NPL
BI
RATE KREDIT
CAR
NPL
BI
RATE
KREDIT
2008
MARET
129
0
8
27038
71
0
8
230178
JUNI
85
0
8.5
19963
50
0
8.5
254216
SEPT
135
0
9.25
19616
46
0
9.25
299761
DES
94
0
9.25
477942
49
0
9.25
403584
2009
MARET
84
0
7.75
506350
48
0
7.75
417193
JUNI
85
0
7
458476
45
0
7
649873
SEPT
92
0
6.5
395711
56
0
6.5
2070497
DES
103
0
6.5
385163
83
0
6.5
1124102
2010
MARET
98
0
6.5
374924
65
0
6.5
845412
JUNI
107
0
6.5
375071
48
0
6.5
2547672
SEPT
95
0
6.5
370868
35
0
6.5
3286497
DES
89
0
6.5
461547
32
0
6.5
4062102
2011
MARET
86
0
6.75
503190
30
0
6.75
7033868
JUNI
85
0
6.75
503190
25
0
6.75
7033868
SEPT
72
0
6.75
503190
23
0
6.75
7033868
DES
71
0
6
503190
28
0
6
7033868
2012
MARET
60
0
5.75
467055
41
0
5.75
7263169
JUNI
73
0
5.75
428714
34
0
5.75
7477280
SEPT
83
0
5.75
435622
34
0
5.75
7855014
DES
62
1
5.75
634624
26
0
5.75
7220978
Keterangan :
Tahun
Periode
JP. Morgan Chase
The Royal Bank
CAR
NPL
BI
RATE KREDIT
CAR
NPL
BI
RATE
KREDIT
2008
MARET
80
0
8
1600815
18
1
8
8165418
JUNI
81
0
8.5
1181261
18
1
8.5
8389577
SEPT
80
0
9.25
1068681
16
1
9.25
9867869
DES
63
0
9.25
1298782
16
1
9.25
8902558
2009
MARET
37
0
7.75
1414424
19
1
7.75
7846372
JUNI
48
0
7
1153103
21
2
7
6949067
SEPT
45
0
6.5
1027431
26
2
6.5
6726042
DES
41
0
6.5
953833
28
2
6.5
2467907
2010
MARET
34
0
6.5
787597
29
1
6.5
2069936
JUNI
33
0
6.5
1404019
61
1
6.5
1776959
SEPT
36
0
6.5
1283555
59
0
6.5
2129857
DES
36
0
6.5
1303332
36
0
6.5
2023365
2011
MARET
33
0
6.75
1127448
36
0
6.75
824245
JUNI
26
0
6.75
1784754
35
0
6.75
824245
SEPT
18
0
6.75
1784754
29
1
6.75
824245
DES
29
0
6
1784754
39
0
6
824245
2012
MARET
30
0
5.75
1679077
44
0
5.75
1098055
JUNI
28
0
5.75
2479955
34
0
5.75
1748032
SEPT
27
0
5.75
2610097
33
0
5.75
1839744
DES
23
0
5.75
2906847
31
0
5.75
2486644
Keterangan :
Tahun
Periode
Bank of Tokyo
Bangkok Bank
CAR
NPL
BI
RATE KREDIT
CAR
NPL
BI
RATE KREDIT
2008
MARET
36
1
8
14551267
33
7
8
3242298
JUNI
40
1
8.5
15145338
31
7
8.5
3427925
SEPT
41
1
9.25
18422240
53
8
9.25
3382414
DES
36
0
9.25
24517444
47
8
9.25
3880036
2009
MARET
33
0
7.75
26373179
49
9
7.75
3709249
JUNI
53
2
7
24215601
50
9
7
3516901
SEPT
39
2
6.5
23721103
52
10
6.5
3136553
DES
39
2
6.5
24639464
55
10
6.5
2955003
2010
MARET
50
2
6.5
23392522
52
9
6.5
2937574
JUNI
50
1
6.5
25448509
52
8
6.5
3075976
SEPT
47
1
6.5
27195592
51
7
6.5
3128607
DES
34
1
6.5
28394531
46
7
6.5
3169840
2011
MARET
36
1
6.75
40176034
47
6
6.75
4235039
JUNI
39
1
6.75
40176034
42
5
6.75
4235039
SEPT
44
3
6.75
40176034
48
5
6.75
4235039
DES
39
1
6
40176034
48
5
6
4235039
2012
MARET
38
1
5.75
40680459
45
4
5.75
4695209
JUNI
44
1
5.75
42300084
61
3
5.75
5443482
SEPT
41
1
5.75
49197564
59
4
5.75
5761058
DES
57
1
5.75
50832837
63
3
5.75
6910355
Keterangan :
LAMPIRAN 2
Perkembangan Dana Pihak Ketiga dan Total Kredit Bank Asing
(Milyar Rupiah)
Tahun
Bulan
DPK
Kredit
Tahun
DPK
Kredit
Jan
118.620
86.542
132.310
115.499
Feb
117.548
87.850
135.914
116.522
Mar
112.320
87.842
130.673
110.054
Apr
111.998
89.184
120.865
103.240
Mei
114.159
91.695
119.424
101.785
2008
Jun
113.979
92.673
2009
124.398
99.657
Jul
112.460
92.629
121.318
102.040
Agt
113.981
98.732
121.773
103.018
Sep
114.313
100.823
123.502
99.005
Okt
128.658
113.561
120.384
97.796
Nov
137.115
122.821
120.812
96.581
Des
128.377
113.372
117.594
100.011
Jan
119.911
99.617
125.551
115.700
Feb
119.865
101.286
127.249
117.054
Mar
126.570
100.296
129.612
118.427
Apr
121.473
102.410
126.831
118.757
Mei
126.736
107.254
137.207
121.557
2010
Jun
123.707
106.049
2011
134.288
120.327
Jul
122.893
107.718
131.771
125.194
Agt
123.813
109.387
130.140
134.873
Sep
124.517
112.073
136.290
136.359
Okt
122.153
11.449
137.303
137.730
Nov
126.948
110.950
145.804
140.996
Des
124.376
113.004
141.473
141.882
Feb
150.454
145.673
Mar
151.505
147.613
Apr
151.505
150.305
Mei
147.830
160.130
2012
Jun
155.017
160.667
Jul
147.593
165.750
Agt
153.088
168.857
Sep
152.261
172.835
Okt
157.456
173.463
Nov
155.666
177.715
Des
155.430
177.468
LAMPIRAN 3
Rata-Rata kredit bank asing berdasarkan jenis penggunaannya
(Milyar Rp)
Tahun
Modal Kerja
Investasi
Konsumsi
Total
2008
57336
6434
20086
83856
2009
60971
14690
24351
100012
2010
76215
17301
19488
113004
2011
89789
26862
19834
136485
2012
115432
37028
20398
172858
Total kredit UMKM bank asing (Milyar Rp)
Bulan
2008
2009
2010
2011
2012
jan
20658
25459
47530
45841
59804
feb
21198
25313
52204
49254
48945
mar
21477
28098
51084
50184
51651
apr
22379
28181
46746
52113
51589
mei
23133
27952
49780
51366
53002
jun
23890
27936
51303
52747
57580
jul
23728
29387
51222
54459
56821
ags
24617
27932
51828
57300
54397
sep
25984
28458
52278
59292
56075
okt
26079
28777
53777
65639
55491
nov
26399
29077
49314
67552
56203
des
25406
29208
51246
68180
55935
Rata-rata kredit UMKM berdasarkan kelompok bank (Milyar Rp)
Tahun
2008
2009
2010
2011
2012
Bank BUMN
230375
285134
343990
415623
508100
BPD
87665
107675
126561
155024
190815
BUSN
290508
315369
404986
512566
601409
LAMPIRAN 4
Hasil Regresi Mengunakan Eviews 6
Uji Heterokedastisitas
Dependent Variable: KREDIT? Method: Pooled Least Squares Date: 05/07/14 Time: 21:49 Sample: 2008Q1 2012Q4 Included observations: 20 Cross-sections included: 10
Total pool (balanced) observations: 200
White cross-section standard errors & covariance (d.f. corrected)
Variable Coefficient Std. Error t-Statistic Prob.
C 17.25745 0.267730 64.45836 0.0000 CAR? -0.023265 0.003443 -6.757348 0.0000 NPL? 0.003632 0.006927 0.524394 0.6006 I? -0.125994 0.048390 -2.603739 0.0100 Fixed Effects (Cross)
_STANDARD--C 0.818553 _CITI--C 1.248388 _HSBC--C 1.015353 _DEUTSCHE--C -0.025344 _AMERICA--C -1.744394 _CHINA--C -0.871234 _MORGAN--C -1.242427 _ROYAL--C -0.861618 _TOKYO--C 1.766020 _BANGKOK--C -0.103297
Effects Specification
Cross-section fixed (dummy variables)
Metode
Fixed Effect Model
(FEM)
Dependent Variable: KREDIT? Method: Pooled Least Squares Date: 05/07/14 Time: 21:59 Sample: 2008Q1 2012Q4 Included observations: 20 Cross-sections included: 10
Total pool (balanced) observations: 200
Variable Coefficient Std. Error t-Statistic Prob.
C 17.25745 0.279371 61.77262 0.0000 CAR? -0.023265 0.003531 -6.589444 0.0000 NPL? 0.003632 0.016442 0.220905 0.8254 I? -0.125994 0.040565 -3.105961 0.0022 Fixed Effects (Cross)
_STANDARD--C 0.818553 _CITI--C 1.248388 _HSBC--C 1.015353 _DEUTSCHE--C -0.025344 _AMERICA--C -1.744394 _CHINA--C -0.871234 _MORGAN--C -1.242427 _ROYAL--C -0.861618 _TOKYO--C 1.766020 _BANGKOK--C -0.103297
Effects Specification
Cross-section fixed (dummy variables)
Metode
Random Effect Model
(REM)
Dependent Variable: KREDIT?
Method: Pooled EGLS (Cross-section random effects) Date: 05/07/14 Time: 21:54
Sample: 2008Q1 2012Q4 Included observations: 20 Cross-sections included: 10
Total pool (balanced) observations: 200
Swamy and Arora estimator of component variances
White cross-section standard errors & covariance (d.f. corrected)
Variable Coefficient Std. Error t-Statistic Prob.
C 17.30353 0.279855 61.83037 0.0000 CAR? -0.024973 0.003898 -6.407283 0.0000 NPL? 0.008599 0.007690 1.118122 0.2649 I? -0.125292 0.046534 -2.692478 0.0077 Random Effects (Cross)
_STANDARD--C 0.736420 _CITI--C 1.197605 _HSBC--C 0.951156 _DEUTSCHE--C -0.032295 _AMERICA--C -1.616862 _CHINA--C -0.834518 _MORGAN--C -1.203278 _ROYAL--C -0.848730 _TOKYO--C 1.752330 _BANGKOK--C -0.101827
Effects Specification
S.D. Rho
Cross-section random 1.004830 0.7565
Idiosyncratic random 0.570058 0.2435
Weighted Statistics
R-squared 0.273158 Mean dependent var 1.950479 Adjusted R-squared 0.262033 S.D. dependent var 0.668362 S.E. of regression 0.574157 Sum squared resid 64.61259 F-statistic 24.55325 Durbin-Watson stat 0.346114 Prob(F-statistic) 0.000000
Unweighted Statistics
Uji Hausman
Correlated Random Effects - Hausman Test Pool: POOL1
Test cross-section random effects
Test Summary
Chi-Sq.
Statistic Chi-Sq. d.f. Prob.
Cross-section random 5.828851 3 0.1202
Cross-section random effects test comparisons:
Variable Fixed Random Var(Diff.) Prob.
CAR? -0.023265 -0.024973 0.000001 0.0281 NPL? 0.003632 0.008599 0.000006 0.0504 I? -0.125994 -0.125292 0.000003 0.6626
Cross-section random effects test equation: Dependent Variable: KREDIT?
Method: Panel Least Squares Date: 05/07/14 Time: 22:02 Sample: 2008Q1 2012Q4 Included observations: 20 Cross-sections included: 10
Total pool (balanced) observations: 200
Variable Coefficient Std. Error t-Statistic Prob.
C 17.25745 0.279371 61.77262 0.0000 CAR? -0.023265 0.003531 -6.589444 0.0000 NPL? 0.003632 0.016442 0.220905 0.8254 I? -0.125994 0.040565 -3.105961 0.0022
Effects Specification
Cross-section fixed (dummy variables)
