Rencana Waktu Penelitian

Lampiran 1 : Rencana Waktu Penelitian

Rencana Waktu Penelitian

No. Uraian Kegiatan Februari 2013 Maret 2013 April 2013 Mei 2013 Juni 2013 Juli 2013 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 Penyusunan Proposal

2 Kolokium

3 Pengumpulan Data 4 Pengolahan Data

5 Penyusunan Laporan Penelitian 6 Seminar Hasil

7 Perbaikan Seminar Hasil 8 Ujian Akhir

Lampiran 2 : Daftar Bank Pembangunan Daerah di Indonesia Daftar Bank Pembangunan Daerah di Indonesia

No Nama Lengkap Nama Panggilan

1 PT Bank Aceh Bank Aceh

2 PT Bank Pembangunan Daerah Sumatera Utara Bank Sumut 3 PT Bank Pembangunan Daerah Sumatera Barat Bank Nagari 4 PT Bank Pembangunan Daerah Riau Kepri Bank Riau Kepri 5 PT Bank Pembangunan Daerah Jambi Bank Jambi 6 PT Bank Pembangunan Daerah Bengkulu Bank Bengkulu 7 PT Bank Pembangunan Daerah Sumatera Selatan

dan Bangka Belitung Bank Sumsel Babel

8 Bank Pembangunan Daerah Lampung Bank Lampung

9 PT Bank DKI Bank DKI

10 PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk

Bank BJB 11 PT Bank Pembangunan Daerah Jawa Tengah Bank Jateng 12 PT Bank Pembangunan Daerah Daerah Istimewa

Yogyakarta Bank BPD DIY

13 PT Bank Pembangunan Daerah Jawa Timur Tbk. Bank Jatim 14 PT Bank Pembangunan Daerah Kalimantan Barat Bank Kalbar 15 PT Bank Pembangunan Kalteng Bank Kalteng 16 Bank Pembangunan Daerah Kalimantan Timur Bank BPD Kaltim 17 PT Bank Pembangunan Daerah Kalimantan

Selatan Bank Kalsel

18 PT Bank Sulut Bank Sulut

19 Bank Pembangunan Daerah Sulawesi Tengah Bank Sulteng 20 PT Bank Pembangunan Daerah Sulawesi Selatan

& Sulawesi Barat

Bank Sulselbar 21 Bank Pembangunan Daerah Sulawesi Tenggara Bank BPD Sultra 22 PT Bank Pembangunan Daerah Bali Bank BPD Bali

23 PT Bank NTB Bank NTB

24 PT Bank Pembangunan Daerah Nusa Tenggara

Lampiran 3 : Daftar Sampel Terpilih

Daftar Sampel Terpilih

No Bank Memenuhi Kriteria Sampel

Terpilih 1 2

1 Bank Aceh √ √ S1

2 Bank Sumut √ √ S2

3 Bank Nagari √ √ S3

4 Bank Riau Kepri √ √ S4

5 Bank Jambi √ √ S5

6 Bank Bengkulu √ √ S6

7 Bank Sumsel Babel √ √ S7

8 Bank Lampung √ √ S8 9 Bank DKI √ √ S9 10 Bank BJB √ √ S10 11 Bank Jateng √ √ S11 12 Bank BPD DIY √ √ S12 13 Bank Jatim √ √ S13 14 Bank Kalbar √ √ S14 15 Bank Kalteng √ √ S15 16 Bank BPD Kaltim √ √ S16 17 Bank Kalsel √ √ S17 18 Bank Sulut √ √ S18 19 Bank Sulteng √ √ S19 20 Bank Sulselbar √ √ S20 21 Bank BPD Sultra √ √ S21 22 Bank BPD Bali √ √ S22 23 Bank NTB √ √ S23 24 Bank NTT √ √ S24 25 Bank Maluku √ √ S25 26 Bank Papua √ √ S26

Lampiran 4 : Daftar Alamat Website Bank Pembangunan Daerah

No Bank Alamat Website

1 Bank Aceh www.bankaceh.co.id 2 Bank Sumut www.banksumut.com 3 Bank Nagari www.banknagari.co.id 4 Bank Riau Kepri www.bankriaukepri.co.id 5 Bank Jambi www.bankjambi.co.id 6 Bank Bengkulu www.bankbengkulu.co.id 7 Bank Sumsel Babel www.banksumselbabel.com 8 Bank Lampung www.banklampung.co.id 9 Bank DKI www.bankdki.co.id

10 Bank BJB www.bankbjb.co.id 11 Bank Jateng www.bankjateng.co.id 12 Bank BPD DIY www.bpddiy.co.id 13 Bank Jatim www.bankjatim.co.id 14 Bank Kalbar www.bankkalbar.co.id 15 Bank Kalteng www.bp-kalteng.com 16 Bank BPD Kaltim www.bankaltim.co.id 17 Bank Kalsel www.bankkalsel.co.id 18 Bank Sulut www.banksulut.co.id 19 Bank Sulteng www.banksulteng.co.id 20 Bank Sulselbar www.banksulselbar.co.id 21 Bank BPD Sultra www.banksultra.co.id 22 Bank BPD Bali www.bpdbali.co.id 23 Bank NTB www.bankntb.co.id 24 Bank NTT www.bpdntt.co.id 25 Bank Maluku www.bankmaluku.co.id 26 Bank Papua www.bankpapua.com

Lampiran 5 : Data Penelitian Untuk Variabel ROA

Rasio ROA Bank Pembangunan Daerah (Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 3,06% 1,80% 2,91% 3,66%

2 Bank Sumut 4,42% 4,55% 3,26% 2,99%

3 Bank Nagari 2,71% 3,51% 2,68% 2,65%

4 Bank Riau Kepri 2,68% 3,83% 2,62% 2,95%

5 Bank Jambi 5,16% 5,21% 3,28% 3,58%

6 Bank Bengkulu 3,14% 4,60% 3,17% 3,41%

7 Bank Sumsel Babel 2,51% 2,71% 2,56% 1,90%

8 Bank Lampung 2,97% 4,79% 3,13% 2,80% 9 Bank DKI 1,41% 2,14% 2,32% 1,87% 10 Bank BJB 3,24% 3,15% 2,65% 2,46% 11 Bank Jateng 4,04% 2,83% 2,67% 2,73% 12 Bank BPD DIY 3,24% 2,79% 2,55% 2,56% 13 Bank Jatim 3,75% 5,57% 4,97% 3,34% 14 Bank Kalbar 3,80% 4,17% 3,45% 3,33% 15 Bank Kalteng 2,34% 3,89% 3,88% 3,41% 16 Bank BPD Kaltim 3,81% 5,23% 3,68% 2,50% 17 Bank Kalsel 3,77% 3,39% 2,81% 1,27% 18 Bank Sulut 1,89% 3,04% 2,01% 3,00% 19 Bank Sulteng 4,34% 5,76% 3,04% 1,59% 20 Bank Sulselbar 5,56% 5,58% 3,34% 3,99% 21 Bank BPD Sultra 5,30% 6,62% 7,44% 5,15% 22 Bank BPD Bali 4,24% 3,98% 3,54% 4,28% 23 Bank NTB 4,39% 6,27% 5,71% 5,62% 24 Bank NTT 4,05% 4,30% 4,19% 3,65% 25 Bank Maluku 3,55% 3,49% 4,52% 3,86% 26 Bank Papua 3,26% 2,86% 2,86% 2,81%

Lampiran 6 : Data Penelitian Untuk Variabel NIM

Rasio NIM Bank Pembangunan Daerah (Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 6,95% 8,26% 7,24% 7,87%

2 Bank Sumut 11,24% 11,47% 9,15% 8,49%

3 Bank Nagari 8,46% 10,43% 7,57% 7,26%

4 Bank Riau Kepri 6,09% 9,43% 7,23% 6,72%

5 Bank Jambi 12,29% 17,34% 11,71% 8,21%

6 Bank Bengkulu 11,97% 18,04% 10,82% 7,70%

7 Bank Sumsel Babel 8,47% 7,22% 6,67% 6,50%

8 Bank Lampung 6,70% 9,59% 5,66% 6,51% 9 Bank DKI 6,14% 5,61% 5,56% 5,26% 10 Bank BJB 7,63% 7,32% 6,89% 6,76% 11 Bank Jateng 9,33% 9,24% 8,43% 8,22% 12 Bank BPD DIY 9,61% 10,27% 9,30% 8,68% 13 Bank Jatim 7,66% 9,20% 7,95% 6,48% 14 Bank Kalbar 9,17% 10,06% 9,95% 9,01% 15 Bank Kalteng 9,98% 11,65% 8,79% 7,67% 16 Bank BPD Kaltim 6,37% 8,76% 7,93% 6,65% 17 Bank Kalsel 7,60% 8,04% 6,67% 5,15% 18 Bank Sulut 8,40% 11,64% 8,46% 8,66% 19 Bank Sulteng 10,60% 12,07% 7,72% 6,15% 20 Bank Sulselbar 10,73% 10,31% 10,18% 9,53% 21 Bank BPD Sultra 12,96% 12,55% 15,10% 8,89% 22 Bank BPD Bali 9,19% 8,73% 7,79% 7,50% 23 Bank NTB 10,69% 12,95% 12,85% 11,99% 24 Bank NTT 10,99% 11,68% 9,85% 8,67% 25 Bank Maluku 11,56% 12,49% 13,02% 8,80% 26 Bank Papua 8,39% 7,24% 7,32% 5,71%

Lampiran 7 : Data Penelitian Untuk Variabel BOPO Rasio BOPO Bank Pembangunan Daerah

(Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 71,39% 92,99% 77,36% 71,51%

2 Bank Sumut 69,86% 68,65% 75,99% 77,76%

3 Bank Nagari 79,85% 76,34% 78,82% 77,62%

4 Bank Riau Kepri 73,83% 70,09% 75,15% 75,07%

5 Bank Jambi 62,94% 57,55% 61,16% 63,32%

6 Bank Bengkulu 75,16% 70,24% 78,12% 73,27%

7 Bank Sumsel Babel 78,09% 80,81% 80,64% 82,28%

8 Bank Lampung 78,34% 68,57% 73,69% 75,05% 9 Bank DKI 88,46% 87,96% 79,74% 81,43% 10 Bank BJB 77,30% 76,60% 80,02% 80,02% 11 Bank Jateng 71,36% 79,61% 79,11% 76,35% 12 Bank BPD DIY 73,95% 76,79% 76,09% 75,52% 13 Bank Jatim 66,04% 59,38% 60,02% 68,89% 14 Bank Kalbar 81,35% 70,23% 76,97% 71,33% 15 Bank Kalteng 68,47% 64,24% 63,31% 69,83% 16 Bank BPD Kaltim 63,69% 55,29% 64,15% 68,19% 17 Bank Kalsel 65,75% 72,16% 74,68% 79,40% 18 Bank Sulut 89,84% 85,09% 84,96% 77,66% 19 Bank Sulteng 65,13% 59,43% 71,41% 80,60% 20 Bank Sulselbar 57,09% 65,81% 72,13% 71,66% 21 Bank BPD Sultra 55,42% 64,75% 54,45% 69,66% 22 Bank BPD Bali 66,80% 68,96% 69,74% 62,82% 23 Bank NTB 75,02% 72,43% 68,81% 64,32% 24 Bank NTT 70,68% 72,10% 71,04% 71,57% 25 Bank Maluku 77,72% 77,91% 70,14% 73,90% 26 Bank Papua 69,72% 70,67% 73,44% 74,15%

Lampiran 8 : Data Penelitian Untuk Variabel NPL

Rasio NPL Bank Pembangunan Daerah (Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 1,69% 7,02% 3,69% 3,30%

2 Bank Sumut 2,47% 3,02% 2,56% 2,81%

3 Bank Nagari 3,30% 3,31% 2,76% 2,69%

4 Bank Riau Kepri 1,38% 2,45% 2,57% 2,95%

5 Bank Jambi 0,56% 0,40% 0,36% 0,33%

6 Bank Bengkulu 1,52% 1,66% 0,67% 0,22%

7 Bank Sumsel Babel 2,42% 1,33% 1,46% 6,82%

8 Bank Lampung 1,47% 1,20% 0,87% 0,74% 9 Bank DKI 5,76% 4,10% 3,12% 3,20% 10 Bank BJB 1,97% 1,86% 1,21% 2,07% 11 Bank Jateng 0,26% 0,53% 1,04% 0,80% 12 Bank BPD DIY 1,36% 1,39% 1,19% 0,83% 13 Bank Jatim 1,05% 0,65% 0,97% 2,95% 14 Bank Kalbar 0,09% 0,13% 0,15% 0,17% 15 Bank Kalteng 1,82% 1,18% 0,81% 0,84% 16 Bank BPD Kaltim 1,37% 3,30% 2,90% 7,45% 17 Bank Kalsel 1,17% 1,17% 0,96% 1,83% 18 Bank Sulut 0,51% 0,98% 1,26% 0,81% 19 Bank Sulteng 8,81% 8,88% 7,44% 4,49% 20 Bank Sulselbar 2,40% 2,06% 2,02% 1,39% 21 Bank BPD Sultra 5,86% 5,75% 2,24% 1,33% 22 Bank BPD Bali 0,68% 0,57% 0,57% 0,45% 23 Bank NTB 4,07% 2,92% 2,17% 1,98% 24 Bank NTT 1,50% 2,49% 1,20% 1,20% 25 Bank Maluku 3,00% 3,63% 2,46% 2,81% 26 Bank Papua 1,80% 0,95% 1,09% 0,84%

Lampiran 9 : Data Penelitian Untuk Variabel LDR

Rasio LDR Bank Pembangunan Daerah (Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 61,79% 82,46% 91,42% 89,89%

2 Bank Sumut 97,87% 91,04% 78,56% 101,90%

3 Bank Nagari 87,72% 84,41% 91,69% 100,35%

4 Bank Riau Kepri 88,24% 75,42% 65,74% 66,49%

5 Bank Jambi 97,64% 84,09% 66,55% 82,29%

6 Bank Bengkulu 129,59% 89,20% 75,14% 93,27% 7 Bank Sumsel Babel 79,03% 71,17% 75,19% 75,98%

8 Bank Lampung 99,36% 89,46% 80,23% 91,73% 9 Bank DKI 57,25% 70,09% 73,03% 73,50% 10 Bank BJB 82,47% 71,54% 72,95% 74,09% 11 Bank Jateng 89,18% 74,13% 70,17% 82,62% 12 Bank BPD DIY 79,33% 70,24% 78,71% 71,89% 13 Bank Jatim 69,67% 80,70% 80,11% 83,55% 14 Bank Kalbar 87,76% 84,34% 77,51% 86,80% 15 Bank Kalteng 85,13% 88,72% 68,74% 71,88% 16 Bank BPD Kaltim 69,11% 81,69% 59,95% 56,78% 17 Bank Kalsel 67,93% 76,14% 63,30% 55,77% 18 Bank Sulut 100,25% 104,98% 99,78% 108,88% 19 Bank Sulteng 100,44% 85,44% 77,27% 107,27% 20 Bank Sulselbar 114,79% 109,98% 101,93% 113,21% 21 Bank BPD Sultra 102,21% 97,52% 83,68% 92,02% 22 Bank BPD Bali 104,41% 93,31% 82,73% 80,60% 23 Bank NTB 115,50% 102,23% 101,45% 108,41% 24 Bank NTT 122,79% 91,77% 92,95% 93,45% 25 Bank Maluku 87,71% 85,44% 82,44% 78,61% 26 Bank Papua 36,28% 43,83% 47,91% 71,65%

Lampiran 10 : Data Penelitian Untuk Variabel DPK DPK Bank Pembangunan Daerah

(Periode 2009 – 2012)

No. Bank 2009 2010 2011 2012

1 Bank Aceh 10.342.508 9.984.532 10.061.834 10.672.335 2 Bank Sumut 8.570.900 10.512.784 15.129.513 15.040.765 3 Bank Nagari 6.737.982 8.429.299 10.046.714 10.818.555 4 Bank Riau Kepri 7.626.848 9.624.646 13.220.519 15.352.878 5 Bank Jambi 1.170.714 1.565.688 2.427.623 2.713.484 6 Bank Bengkulu 928.772 1.161.184 1.759.394 2.204.777 7 Bank Sumsel Babel 6.578.369 9.321.401 11.052.455 12.702.792 8 Bank Lampung 1.294.578 1.705.756 2.438.997 2.524.064 9 Bank DKI 12.234.172 12.447.441 15.299.276 20.639.668 10 Bank BJB 23.718.912 31.953.462 39.042.777 48.244.944 11 Bank Jateng 11.985.892 15.907.249 19.392.084 22.116.036 12 Bank BPD DIY 2.447.121 3.205.538 3.694.972 4.682.290 13 Bank Jatim 14.531.383 16.218.749 20.142.131 22.209.673 14 Bank Kalbar 3.526.658 4.677.053 6.188.699 6.880.752 15 Bank Kalteng 1.666.521 1.939.925 2.897.037 3.168.931 16 Bank BPD Kaltim 10.549.649 11.608.253 19.254.035 26.165.319 17 Bank Kalsel 3.530.760 3.776.366 5.591.739 8.337.573 18 Bank Sulut 2.232.363 2.900.058 3.694.206 4.281.696 19 Bank Sulteng 515.537 635.043 732.337 703.051 20 Bank Sulselbar 2.899.047 4.060.563 5.291.085 5.401.642 21 Bank BPD Sultra 1.233.053 1.315.978 1.901.681 1.687.684 22 Bank BPD Bali 5.317.872 6.709.023 8.786.917 10.536.850 23 Bank NTB 1.434.371 1.979.793 2.672.388 2.834.754 24 Bank NTT 2.296.389 3.132.403 4.096.508 4.694.414 25 Bank Maluku 1.479.691 1.647.937 2.422.433 3.022.086 26 Bank Papua 7.681.944 8.881.536 10.895.253 11.443.268

Lampiran 11 : Output SPSS Statistik Deskriptif

Output SPSS untuk Uji Statistik Deskriptif (Data Asli)

Descriptive Statistics

N Range Minimum Maximum Mean Std. Deviation ROA 104 ,0617 ,0127 ,0744 ,035509 ,0115496 NIM 104 ,1289 ,0515 ,1804 ,090347 ,0241175 BOPO 104 ,3854 ,5445 ,9299 ,725213 ,0758815 NPL 104 ,0879 ,0009 ,0888 ,021563 ,0185985 LDR 104 ,9331 ,3628 1,2959 ,840846 ,1630164 DPK 104 47729407 515537 48244944 8221601,48 8201608,090 Valid N (listwise) 104

Output SPSS untuk Uji Statistik Deskriptif (Data Hasil Transformasi)

Descriptive Statistics

N Range Minimum Maximum Mean Std. Deviation lnROA 104 1,77 -4,37 -2,60 -3,3944 ,32807 lnNIM 104 1,25 -2,97 -1,72 -2,4421 ,25350 lnBOPO 104 ,53 -,61 -,08 -,3321 ,10729 lnNPL 104 4,59 -7,02 -2,43 -4,2002 ,91960 lnLDR 104 1,28 -1,02 ,26 -,1967 ,20938 lnDPK 104 4,54 13,16 17,70 15,4710 1,00413 Valid N (listwise) 104

Lampiran 12 : Output SPSS Hasil Pengujian Asumsi Klasik

Uji Normalitas 1

Lampiran 12 : Lanjutan

Uji Normalitas 3

One-Sample Kolmogorov-Smirnov Test

Unstandardized Residual

N 104

Normal Parametersa,b Mean ,0000000 Std. Deviation ,15702904

Most Extreme Differences

Absolute ,113

Positive ,093

Negative -,113

Kolmogorov-Smirnov Z 1,154 Asymp. Sig. (2-tailed) ,139 a. Test distribution is Normal.

b. Calculated from data.

Uji Heteroskedastisitas 1

Uji Heteroskedastisitas 2 Coefficientsa

Lampiran 12 : Lanjutan Uji Autokorelasi Model Summaryb Model R R Square Adjusted R Square Std. Error of the Estimate Durbin-Watson 1 ,878a ,771 ,762 ,16017 1,820 a. Predictors: (Constant), lnLDR, lnNPL, lnBOPO, lnNIM

b. Dependent Variable: lnROA

Uji Multikolinearitas 1 Coefficientsa Model Unstandardized Coefficients Standardized Coefficients

t Sig. Collinearity Statistics

B Std. Error Beta Tolerance VIF

1 (Constant) -2,923 ,228 -12,835 ,000 lnNIM ,450 ,078 ,348 5,781 ,000 ,640 1,562 lnBOPO -1,854 ,165 -,606 -11,213 ,000 ,791 1,264 lnNPL -,015 ,017 -,041 -,857 ,393 ,993 1,007 lnLDR ,258 ,085 ,165 3,036 ,003 ,786 1,272 a. Dependent Variable: lnROA

Uji Multikolinearitas 2 Coefficient Correlationsa

Model lnLDR lnNPL lnBOPO lnNIM

1 Correlations lnLDR 1,000 -,047 -,145 -,457 lnNPL -,047 1,000 -,039 ,044 lnBOPO -,145 -,039 1,000 ,448 lnNIM -,457 ,044 ,448 1,000 Covariances lnLDR ,007 -6,911E-005 -,002 -,003 lnNPL -6,911E-005 ,000 ,000 5,941E-005 lnBOPO -,002 ,000 ,027 ,006 lnNIM -,003 5,941E-005 ,006 ,006 a. Dependent Variable: lnROA

Collinearity Diagnosticsa

Model Dimension Eigenvalue Condition Index

Lampiran 13 : Output SPSS Hasil Pengujian Hipotesis Pertama Variables Entered/Removeda Model Variables Entered Variables Removed Method 1 lnLDR, lnNPL, lnBOPO, lnNIMb . Enter

a. Dependent Variable: lnROA b. All requested variables entered.

Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1 ,878a ,771 ,762 ,16017 a. Predictors: (Constant), lnLDR, lnNPL, lnBOPO, lnNIM

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 8,546 4 2,137 83,284 ,000b Residual 2,540 99 ,026

Total 11,086 103 a. Dependent Variable: lnROA

b. Predictors: (Constant), lnLDR, lnNPL, lnBOPO, lnNIM

Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta 1 (Constant) -2,923 ,228 -12,835 ,000 lnNIM ,450 ,078 ,348 5,781 ,000 lnBOPO -1,854 ,165 -,606 -11,213 ,000 lnNPL -,015 ,017 -,041 -,857 ,393 lnLDR ,258 ,085 ,165 3,036 ,003 a. Dependent Variable: lnROA

Lampiran 14 : Output SPSS Hasil Pengujian Hipotesis Kedua Variables Entered/Removeda Model Variables Entered Variables Removed Method 1 lnLDR, lnNPL, lnBOPO, lnNIMb . Enter a. Dependent Variable: lnDPK b. All requested variables entered.

Model Summaryb Model R R Square Adjusted R Square Std. Error of the Estimate 1 ,608a ,370 ,345 ,81291 a. Predictors: (Constant), lnLDR, lnNPL, lnBOPO, lnNIM

b. Dependent Variable: lnDPK

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression 38,431 4 9,608 14,539 ,000b Residual 65,422 99 ,661

Total 103,852 103 a. Dependent Variable: lnDPK

b. Predictors: (Constant), lnLDR, lnNPL, lnBOPO, lnNIM

Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta 1 (Constant) 11,015 1,156 9,530 ,000 lnNIM -1,727 ,395 -,436 -4,372 ,000 lnBOPO ,421 ,839 ,045 ,502 ,617 lnNPL -,034 ,087 -,031 -,389 ,698 lnLDR -1,203 ,432 -,251 -2,788 ,006 a. Dependent Variable: lnDPK

Lampiran 14 : Lanjutan Variables Entered/Removeda Model Variables Entered Variables Removed Method 1 lnROAb . Enter a. Dependent Variable: ABSRES_lnDPK b. All requested variables entered.

Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1 ,097a ,009 ,000 ,48319014 a. Predictors: (Constant), lnROA

ANOVAa

Model Sum of Squares df Mean Square F Sig.

1

Regression ,228 1 ,228 ,975 ,326b Residual 23,814 102 ,233

Total 24,042 103 a. Dependent Variable: ABSRES_lnDPK b. Predictors: (Constant), lnROA

Coefficientsa Model Unstandardized Coefficients Standardized Coefficients t Sig. B Std. Error Beta 1 (Constant) ,144 ,495 ,292 ,771 lnROA -,143 ,145 -,097 -,988 ,326 a. Dependent Variable: ABSRES_lnDPK

Lampiran 15 :

Daftar Singkatan

SINGKATAN Nama Pemakaian

pertama kali pada halaman

API Arsitektur Perbankan Indonesia (API) 1

PDB Produk Domestik Bruto 1

ASBANDA Asosiasi Bank Pembangunan Daerah 2

BPD Bank Pembangunan Daerah 2

BPDSI Bank Pembangunan Daerah Seluruh

Indonesia 2

BRC BPD Regional Champion 2

UU Undang-Undang 2

DPK Dana Pihak Ketiga (DPK) 3

yoy year on year 3

ROA Return on Assets 5

BOPO Beban Operasional terhadap Pendapatan

Operasional 7

CAR Capital Adequacy Ratio 7

DER Debt to Equity Ratio 7

FDR Financing to Deposit Ratio 7

GWM Giro Wajib Minimum 7

LDR Loan to Deposit Ratio 7

SINGKATAN Nama Pemakaian pertama kali pada halaman

CKPN Cadangan Kerugian Penurunan Nilai 24

PPAP Pemenuhan Penyisihan Penghapusan Aktiva

Produktif 31

OLS Ordinary Least Square 48

BLUE Best Linier Unbiased Estimator 48

O-S K-S One-Sample Kolmogorov-Smirnov 49

p-value Probability Value 50

VIF Variance Inflation Factor 51

d Nilai Statistik Durbin-Watson 51

SPSS Statistical Product and Service Solutions 53 K-S LSC Kolmogorov-Smirnov dengan Lilliefors