Faktor Eksternal dan Faktor Internal yang Mempengaruhi Tingkat Suku Bunga Deposito Berjangka Pada Lima Bank Umum Terbesar di Indonesia

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LAMPIRAN 1

Daftar Total Aset Bank

(dalam jutaan rupiah)

Tahun

Total Aset

Mandiri

BRI

BCA

BNI

CIMB

2005

245.648.598 114.215.158 148.408.742 141.497.188

36.328.150 2006

247.681.649 138.570.484 161.654.850 154.692.659

42.633.153 2007

266.080.630 175.500.699 193.676.352 175.555.383

57.161.640 2008

301.128.692 220.734.568 226.711.420 178.654.028

69.180.902 2009

344.240.187 276.630.280 263.734.014 206.991.469 102.934.370

2010

379.967.085 335.753.371 302.263.605 222.264.114 127.841.953

2011

489.106.664 456.531.093 377.250.966 288.511.901 164.137.582

2012

517.839.195 473.191.489 413.757.567 301.683.071 181.007.317

2013

648.250.177 606.370.242 488.498.242 370.716.158 211.427.283

2014

693.967.505 669.737.264 518.558.672 380.324.616 219.221.998

Sumber: laporan neraca bank umum pada bank indonesia (2016)

LAMPIRAN 2

DATA TINGKAT SUKU BUNGA DEPOSITO, INFLASI, BI RATE,

PERTUMBUHAN EKONOMI, DAN LIBOR TAHUN 2005 TRIWULAN 3

SAMPAI 2014 TRIWULAN 4

tahun triwulan tsbd Inflasi bi-rate pe libor

2005 III 7,88 8,41 9,08 5,84 3,78

IV 10,62 17,79 12,00 5,11 4,33

2006 I 12,25 16,90 12,75 5,13 4,77

II 11,85 15,51 12,58 4,93 5,22

III 11,32 14,87 11,75 5,86 5,43

IV 10,23 6,05 10,25 6,06 5,37

2007 I 8,87 6,36 9,25 6,06 5,36

II 8,08 6,02 8,75 6,73 5,36

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IV 7,41 6,73 8,17 5,84 5,03

2008 I 7,34 7,64 8,00 6,22 3,29

II 7,35 10,12 8,25 6,30 2,75

III 8,56 11,96 9,00 6,25 2,91

IV 10,72 11,50 9,42 5,28 2,77

2009 I 11,04 8,56 8,25 4,52 1,24

II 9,67 5,67 7,25 4,14 0,84

III 8,69 2,76 6,58 4,27 0,41

IV 7,71 2,59 6,50 5,60 0,27

2010 I 7,13 3,65 6,50 5,99 0,26

II 6,96 4,37 6,50 6,29 0,44

III 6,95 6,15 6,50 5,81 0,39

IV 7,03 6,32 6,50 6,81 0,29

2011 I 6,87 6,84 6,67 6,45 0,31

II 6,94 5,89 6,75 6,52 0,26

III 6,94 4,67 6,75 6,49 0,30

IV 6,97 4,12 6,17 6,50 0,48

2012 I 6,50 3,73 5,83 6,32 0,51

II 5,88 4,49 5,75 6,39 0,47

III 5,66 4,48 5,75 6,21 0,43

IV 5,74 4,41 5,75 6,12 0,32

2013 I 5,82 5,26 5,75 6,03 0,29

II 5,71 5,65 5,83 5,76 0,28

III 6,24 8,60 6,83 5,63 0,26

IV 7,29 8,36 7,42 5,72 0,24

2014 I 8,09 7,76 7,50 5,20 0,24

II 8,53 7,09 7,50 5,12 0,23

III 9,33 4,35 7,50 5,01 0,23

IV 9,07 6,47 7,63 4,72 0,24

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LAMPIRAN 3

DATA ROA, LDR, DAN CAR PT BANK RAKYAT INDONESIA,

(PERSERO), TBK TAHUN 2005 TRIWULAN 3 SAMPAI 2014 TRIWULAN

4

Tahun Triwulan Roa Ldr car

2005 III 4 80 16

IV 5 77 16

2006 I 5 78 23

II 4 76 20

III 4 77 19

IV 4 72 19

2007 I 4 74 22

II 4 72 19

III 4 73 18

IV 4 68 16

2008 I 4 74 17

II 4 77 14

III 4 86 13

IV 4 79 13

2009 I 3 81 14

II 3 85 14

III 3 87 13

IV 3 80 13

2010 I 3 86 15

II 3 88 14

III 3 88 13

IV 4 75 13

2011 I 4 85 15

II 4 90 14

III 4 89 14

IV 4 76 14

2012 I 5 84 17

II 4 82 16

III 4 85 15

IV 5 79 16

2013 I 4 89 17

II 4 89 17

III 4 90 17

IV 5 88 16

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II 4 93 18

III 4 85 18

IV 4 81 18

LAMPIRAN 4

ROA, LDR, DAN CAR BANK MANDIRI, (PERSERO), TBK

tahun triwulan ROA LDR CAR

2005 III 1 55 23

IV 1 49 23

2006 I 1 50 25

II 1 52 25

III 1 53 25

IV 1 55 25

2007 I 2 55 27

II 2 53 25

III 2 55 22

IV 2 52 21

2008 I 2 56 22

II 2 59 17

III 2 62 17

IV 2 56 15

2009 I 2 61 15

II 2 60 14

III 2 60 14

IV 3 59 15

2010 I 2 61 15

II 2 64 14

III 3 69 13

IV 3 65 13

2011 I 4 67 18

II 3 73 16

III 3 76 16

IV 3 71 15

2012 I 3 78 17

II 3 81 16

III 3 82 16

IV 3 77 15

2013 I 3 80 17

(5)

III 3 85 15

IV 3 82 14

2014 I 3 86 16

II 3 85 16

III 3 84 16

IV 3 82 16

LAMPIRAN 5

DATA ROA, LDR, CAR BANK CENTRAL ASIA, TBK TAHUN 2005

TRIWULAN 3 SAMPAI 2014 TRIWULAN 4

2005 III 3 39 22

IV 3 41 21

2006 I 3 40 25

II 3 39 23

III 3 38 23

IV 3 40 22

2007 I 3 37 25

II 3 40 22

III 3 40 20

IV 3 43 18

2008 I 3 45 19

II 3 50 16

III 3 54 15

IV 3 53 15

2009 I 3 51 17

II 3 48 16

III 3 47 16

IV 3 50 15

2010 I 3 49 16

II 3 51 14

III 3 52 14

IV 3 55 13

2011 I 3 54 14

II 3 55 13

III 3 58 13

IV 3 61 12

2012 I 2 61 15

II 3 65 14

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IV 3 68 14

2013 I 3 71 16

II 3 73 16

III 3 73 15

IV 3 75 15

2014 I 3 77 17

II 3 75 17

III 3 75 17

IV 3 76 16

LAMPIRAN 6

DATA ROA, LDR, CAR PT BANK NEGARA INDONESIA (PERSERO),

TBK TAHUN 2005 TRIWULAN 3 SAMPAI 2014 TRIWULAN 4

2005 III 1 56 16

IV 1 54 16

2006 I 1 50 20

II 1 51 20

III 1 48 17

IV 1 48 15

2007 I 1 48 16

II 1 55 15

III 1 59 19

IV 1 60 17

2008 I 1 70 18

II 1 69 16

III 1 73 15

IV 1 68 14

2009 I 1 68 15

II 1 70 14

III 1 74 15

IV 1 64 13

2010 I 2 67 13

II 2 68 13

III 2 68 12

IV 2 70 18

2011 I 2 73 18

II 3 76 17

III 2 78 16

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2012 I 2 74 18

II 2 73 16

III 2 76 17

IV 2 77 16

2013 I 3 82 17

II 3 84 16

III 3 84 15

IV 3 85 15

2014 I 3 88 15

II 3 80 15

III 3 85 16

IV 3 87 16

LAMPIRAN 7

DATA ROA, LDR, CAR BANK CIMB NIAGA, TBK TAHUN 2005

TRIWULAN 3 SAMPAI 2014 TRIWULAN 4

tahun _{triwulan ROA} _LDR _CAR

2005 III 2 90 17

IV 2 85 17

2006 I 2 87 18

II ₂ ₉₀ ₁₈

III 2 88 17

IV 2 84 17

2007 I 2 87 19

II ₂ ₉₅ ₁₈

III 2 95 17

IV 2 79 18

2008 I 2 92 16

II ₂ ₉₃ ₁₅

III 1 93 14

IV 1 87 16

2009 I 1 85 16

II ₁ ₈₇ ₁₅

III 2 90 15

IV 2 95 13

2010 I 2 87 12

II ₂ ₈₄ ₁₂

III 2 88 12

IV 2 87 13

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II 2 92 13

III 2 92 13

IV 2 92 13

2012 I ₂ ₉₄ ₁₅

II 3 96 15

III 3 91 15

IV 3 92 15

2013 I ₂ ₈₃ ₁₆

II ₂ ₉₅ ₁₅

III 2 89 15

IV 2 90 15

2014 I ₂ ₉₄ ₁₆

II 2 93 16

III 2 94 16

IV 1 95 15

LAMPIRAN 8

4. HASIL PENGUJIAN PEMILIHAN MODEL DATA PANEL

DENGAN ORDINARY LEAST SQUARE (OLS)

Dependent Variable: TSBD? Method: Pooled Least Squares Date: 06/22/16 Time: 12:29 Sample: 2005Q3 2014Q4 Included observations: 38 Cross-sections included: 5

Total pool (unbalanced) observations: 189

Variable Coefficient Std. Error t-Statistic Prob.

C 5.076141 0.805855 6.299071 0.0000

INFLASI? -0.206121 0.024231 -8.506451 0.0000

BIRATE? 1.349127 0.077580 17.39022 0.0000

PDB? -0.715287 0.072068 -9.925166 0.0000

LIBOR? -0.263414 0.047009 -5.603431 0.0000

ROA? -0.042224 0.039070 -1.080722 0.2813

LDR? -0.005249 0.002731 -1.921687 0.0562

CAR? -0.056423 0.017498 -3.224580 0.0015

R-squared 0.920800 Mean dependent var 8.078519

Adjusted R-squared 0.917737 S.D. dependent var 1.788856

S.E. of regression 0.513070 Akaike info criterion 1.544596

Sum squared resid 47.64652 Schwarz criterion 1.681812

Log likelihood -137.9643 Hannan-Quinn criter. 1.600185

F-statistic 300.6239 Durbin-Watson stat 0.956663

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5. HASIL PENGUJIAN PEMILIHAN MODEL DATA PANEL

DENGAN FIXED EFFECT MODEL (FEM)

C 5.601954 0.885654 6.325218 0.0000

INFLASI? -0.200706 0.024366 -8.237036 0.0000

BIRATE? 1.339205 0.077803 17.21272 0.0000

PDB? -0.698428 0.072887 -9.582306 0.0000

LIBOR? -0.289479 0.049273 -5.875011 0.0000

ROA? -0.133667 0.073170 -1.826794 0.0694

LDR? -0.009761 0.005640 -1.730704 0.0852

CAR? -0.054641 0.018515 -2.951123 0.0036

Fixed Effects (Cross)

_1--C 0.256190

_2--C -0.005949

_3--C -0.096448

_4--C -0.172647

_5--C 0.018697

Effects Specification

Cross-section fixed (dummy variables)

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6. HASIL UJI HETEROKEDASTISITAS

White cross-section standard errors & covariance (d.f. corrected)

C 5.601954 1.906500 2.938344 0.0037

INFLASI? -0.200706 0.043227 -4.643057 0.0000

BIRATE? 1.339205 0.122167 10.96209 0.0000

PDB? -0.698428 0.166677 -4.190314 0.0000

LIBOR? -0.289479 0.078305 -3.696812 0.0003

ROA? -0.133667 0.058752 -2.275122 0.0241

LDR? -0.009761 0.006477 -1.507135 0.1336

CAR? -0.054641 0.024675 -2.214389 0.0281