BAB V KESIMPULAN DAN SARAN
5.2. Saran
1. Penelitian tingkat efisiensi menunjukkan kenaikan tingkat efisiensi dari tahun ke tahun pada kelompok bank Devisa, hal ini menunjukkan bahwa kelompok bank Devisa memiliki prospek yang lebih besar dilihat dari peningkatan efisiensi dari tahun ke tahun.
2. Bagi peneliti yang ingin meneliti penelitian sejenis tentang perbadingan bank Devisa dan bank Non Devisa disarankan melakukan penelitian dengan range tahun penelitian yang lebih panjang agar mendapatkan hasil yang lebih signifikan.
DAFTAR PUSTAKA
(IBI), I. B. I. (2013). Memahami Bisnis Bank (Pertama). Jakarta: PT Gramedia Pustaka Utama.
(OJK), O. J. K. (2015). Laporan tahunan perbankan 2015.
Abidin, Z., Endri, & Nirmalawati, D. (2008). Kinerja Keuangan dan Efisiensi Perbankan : Pendekatan CAMEL, DEA, dan SFA. ABFI Institute Perbanas.
Alrafadi, K. M. S., Kamaruddin, B. H., & Yusuf, M. M. (2014). Efficiency and Determinants in Libyan Banking. International Journal of Business and Social Science, 5(5), 156–168.
Anthony, R. N., & Govindrajan, V. (2005). Management Control System (Sistem Pengendalian Manajemen). Jakarta: Salemba Empat.
Ascarya, Yumanita, D., Achsani, N. A., & Rokhimah, G. S. (2008). Comparing the Efficiency of Conventional and Islamic Banks in Indonesia using Parametric and Nonparametric Approaches. University of Melbourne International Symposium and Conference on Islamic Banking and Finance:
Ethics and Financial Practice in Global Perspective, (July 2016).
Benites Cava, P., Pereira Salgado Junior, A., & Branco, A. M. D. F. (2016).
Evaluation of Bank Efficiency in Brazil: a Dea Approach. Evaluación De La Eficiencia Bancaria Brasileña: Un Enfoque Dea., 17(4), 62–84. Retrieved from http://10.0.6.54/1678-69712016/administracao.v17n4p61-
83%0Ahttps://liverpool.idm.oclc.org/login?url=http://search.ebscohost.com/l ogin.aspx?direct=true&db=bth&AN=119194653&site=eds-live&scope=site Farrell, M. J. (1957). The Measurement of Productive Efficiency. Journal of the
Royal Statistical Society, 120, 253–290.
Fathony, M. (2012). Estimasi dan faktor-faktor yang memengaruhi efisiensi bank domestik dan asing di indonesia. Jurnal Keuangan Dan Perbankan, 16(2), 223–237.
Hadad, M. D., Santoso, W., Mardanugraha, E., & Illyas, D. (2003). Pendekatan Parametrik Untuk Efisiensi Perbankan Indonesia, 26.
Iswardono S. Permono, & Darmawan. (2000). Analisis Efisiensi Industri
Perbankan Di Indonesia (Studi Kasus Bank-Bank Devisa di Indonesia Tahun 1991-1996). Jurnal Ekonomi Dan Bisnis Indonesia 2000, XV. Retrieved from http://i-lib.ugm.ac.id/jurnal/detail.php?dataId=9433
Karimzadeh, M. (2012). Efficiency Analysis by using Data Envelop Analysis Model: Evidence from Indian Banks. Int. J Latest Trends Fin. Eco. Sc, 2(3), 228–237.
Kasmir. (2002). Dasar- Dasar Perbankan (Pertama). Jakarta: PT Raja Grafindo Persada.
Pratiwi, A. N. (2014). Pengukuran Efisiensi Bank Menggunakan Data
Envelopment Analysis (DEA) (Studi Pada Bank Umum Konvensional yang
Terdaftar di BEI Periode 2009- 2013).
Purwanto, R. (2010). Analisis Perbandingan Efisiensi Bank Umum Konvensional ( BUK ) dan Bank Umum Syariah ( BUS ) di Indonesia dengan Metode Data Envelopment Analysis ( DEA ) ( Periode 2006-2010 ), 1–34.
Purwantoro, R. N., & Siswandi, E. (2006). Pengolahan Data Skala Terbatas dengan Metode Data Envelopment Analysis (DEA): Studi Kasus Efektivitas Proses Peluncuran Produk Baru. USAHAWAN LMFEUI, 1–17.
Siamat, D. (1999). Manajemen dan Lembaga Keuangan. Jakarta: LPFEUI.
Taswan, C. (2010). Manajemen Perbankan (Kedua). Yogyakarta: UPP STIM YKPN.
LAMPIRAN LAMPIRAN I
Tahun 2015
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
BUSN DEVISA
1 PT BANK ANTARDAERAH 1.544.382 120.714 72.836 198.282 1.119.380 14.271
2
PT BANK ARTHA GRAHA INTERNASIONAL, Tbk
21.471.96
5 1.411.72
0 914.980 2.415.582 17.339
.225 187.878
3 PT BANK BUKOPIN, Tbk 71.433.651 5.051.00
1 2.398.848 7.651.151 61.675
.783 1.378.417
4 PT BANK BUMI ARTA, Tbk 5.211.686 380.799 208.323 660.714 4.314.490 25.480
5
PT BANK CAPITAL INDONESIA, Tbk
10.819.85
9 695.735 336.724 1.116.871 6.048.
374 75.887
6
PT BANK CENTRAL ASIA, Tbk
473.698.4
78 10.606.1
53 19.762.964 43.723.759 388.00
7.726 14.839.228
7
PT BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk
8.359.702 607.403 308.875 968.914 7.260.
917 89.570
8 PT BANK CIMB NIAGA, Tbk 171.073.273 10.355.6
10 7.201.590 21.338.999 164.64
5.973 3.762.078
9
PT BANK DANAMON INDONESIA, Tbk
113.568.2
95 6.322.39
8 6.146.444 16.182.782 99.651
.820 3.425.707
10 PT BANK GANESHA 1.648.575 108.824 94.532 204.345 1.251.812 18.144
11
PT BANK HIMPUNAN SAUDARA 1906, Tbk
14.346.24
6 779.094 556.978 1.546.418 13.958
.921 269.476
12 PT BANK HSBC INDONESIA 22.891.825 1.402.75
0 1.081.918 2.606.495 19.875
.820 294.713
13 PT BANK ICBC INDONESIA 21.880.671 1.305.18
2 567.804 2.367.189 30.169
.483 778.215
14 PT BANK INDEX SELINDO 5.809.768 424.807 156.814 716.783 5.027.598 64.528
15
PT BANK JTRUST INDONESIA, TBK
11.020.77
9 921.572 567.310 1.044.930 9.367.
221 437.118
16
PT BANK KEB HANA INDONESIA
14.833.08
3 784.019 451.354 1.638.617 21.075
.878 409.999
17
PT BANK MASPION INDONESIA
4.344.547 308.072 161.659 489.195 4.038.
570 42.788
18
PT BANK MAYAPADA INTERNATIONAL, Tbk
41.257.41
7 3.230.69
1 866.616 5.002.094 34.241
.046 58.162
19
PT BANK MAYBANK INDONESIA, Tbk
109.759.1
88 6.729.49
0 4.384.784 12.222.748 94.845
.131 2.339.695
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga 20 PT BANK MAYORA 3.953.982 232.921 173.972 444.625 3.529.498 44.902
21 PT BANK MEGA, Tbk 49.801.427 3.159.57
3 2.911.089 5.884.213 32.398
.116 2.538.712
22
PT BANK MESTIKA DHARMA
6.998.086 323.722 304.323 979.698 7.110.
427 61.210
23
PT BANK MNC INTERNASIONAL, Tbk
9.766.527 722.749 361.369 1.021.846 7.085.
227 120.974
24
PT BANK MULTIARTA SENTOSA
3.547.883 237.045 106.954 404.882 3.042.
480 17.510
25 PT BANK NATIONALNOBU 4.801.247 289.109 191.554 496.241 3.482.580 13.521
26
PT BANK NUSANTARA PARAHYANGAN,Tbk
7.183.831 542.900 377.183 970.164 6.477.
703 78.181
27 PT BANK OCBC NISP, Tbk 85.492.306 4.802.08
8 2.820.923 9.221.005 83.940
.821 927.096
28
PT BANK OF INDIA INDONESIA, Tbk
4.378.123 355.161 71.659 552.414 3.592.
787 24.451
29 PT BANK PERMATA, Tbk 133.439.977 9.636.65
1 4.598.326 16.093.838 117.00
1.562 2.174.268
30
PT BANK QNB INDONESIA, Tbk
18.509.00
8 1.310.32
6 649.431 2.040.582 20.830
.044 226.879
31
PT BANK RABOBANK INTERNATIONAL INDONESIA
11.338.41
3 726.779 710.763 1.399.316 11.694
.101 307.190
32 PT BANK SBI INDONESIA 2.576.648 172.898 88.327 276.423 2.177.939 11.915
33
PT BANK SHINHAN INDONESIA
1.748.185 111.253 113.381 216.393 1.210.
281 10.403
34 PT BANK SINARMAS, Tbk 20.069.679 2.772.11
7 1.482.293 4.223.273 15.347
.493 472.267
35
PT BANK TABUNGAN PENSIUNAN NASIONAL, Tbk
56.463.42
9 5.060.80
1 4.118.211 11.440.085 54.909
.356 703.474
36 PT BANK UOB INDONESIA 64.457.293 3.978.37
3 2.615.454 6.849.126 61.355
.551 10.992.611
37
PT BANK VICTORIA INTERNATIONAL, Tbk
17.127.41
5 1.551.53
8 269.170 1.798.010 12.018
.367 275.545
38 PT BRI AGRONIAGA, Tbk 6.862.051 430.938 205.094 786.709 6.044.522 55.232
39
PT PAN INDONESIA BANK, Tbk
122.406.3
27 8.749.25
4 3.918.014 14.969.853 115.36
6.920 1.054.188
BUSN NON DEVISA
1
PT BANK AMAR INDONESIA
85.687 3.500 27.762 37.989 257.89
2 1.970
2 PT BANK ANDARA 124.603 68.568 58.086 113.751 698.52
1 6.469
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga 3
PT BANK ARTOS INDONESIA
563.442 60.285 35.650 94.669 467.85
3 3.854
4
PT BANK BISNIS INTERNASIONAL
369.490 33.258 17.465 60.431 372.58
5 1.749
5
PT BANK DINAR INDONESIA
1.470.891 119.577 52.106 185.457 1.136.
823 2.469
6
PT BANK FAMA INTERNASIONAL
791.841 71.228 30.054 127.217 757.71
6 6.965
7
PT BANK HARDA INTERNASIONAL
1.594.193 147.366 85.052 239.233 1.505.
335 7.818
8 PT BANK INA PERDANA 1.734.291 145.239 62.290 223.840 1.455.994 7.965
9 PT BANK JASA JAKARTA 4.224.328 296.226 90.199 502.924 3.776.890 13.175
10
PT BANK KESEJAHTERAAN EKONOMI
1.884.792 172.809 101.838 308.500 1.703.
931 14.640
11
PT BANK MANDIRI TASPEN POS
1.832.504 97.882 138.693 260.630 1.585.
393 15.196
12 PT BANK MITRANIAGA 1.803.224 179.461 42.225 228.203 1.070.070 9.186
13
PT BANK PEMBANGUNAN DAERAH BANTEN, TBK
5.119.209 617.315 675.651 998.516 4.134.
677 101.637
14
PT BANK ROYAL INDONESIA
528.378 38.995 29.061 69.004 467.21
2 2.382
15
PT BANK SAHABAT SAMPOERNA
4.963.980 359.601 211.099 678.634 4.730.
028 12.897
16 PT BANK YUDHA BHAKTI 2.965.626 225.973 127.946 386.925 2.638.006 23.759
17 PT PRIMA MASTER BANK 1.996.012 192.639 78.342 271.932 1.796.354 16.117
Tahun 2016
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
BUSN DEVISA
1 PT BANK ANTARDAERAH 1.237.871 95.741 122.067 172.319 891.22 8
10.823
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
2
PT BANK ARTHA GRAHA INTERNASIONAL, Tbk
20.848.80
3 1.262.96
7 961.753 2.273.251 18.011
.030 168.677
3 PT BANK BUKOPIN, Tbk 78.453.092
5.453.62 3
2.684.048 8.721.956 67.502 .381
1.438.050
4 PT BANK BUMI ARTA, Tbk 5.695.444 373.903 222.976 717.419 4.501.137
24.455
5
PT BANK CAPITAL INDONESIA, Tbk
12.019.80 7
779.013 360.558 1.238.425 6.652.
992
150.657
6
PT BANK CENTRAL ASIA, Tbk
530.165.3 17
9.762.72 6
20.951.512 47.069.490 416.27 8.936
14.977.007
7
PT BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk
9.518.002 590.099 418.691 1.031.567 8.229.
738 75.230
8
PT BANK CIMB NIAGA, Tbk
170.031.8 54
8.713.45 4
6.980.804 20.146.116 164.60 0.707
3.988.619
9
PT BANK DANAMON INDONESIA, Tbk
101.567.3
70 4.730.32
8 5.680.406 14.213.512 92.596
.163 3.666.760
10 PT BANK GANESHA 2.728.099 124.940 106.801 285.827 2.426.013
19.065
11
PT BANK HIMPUNAN SAUDARA 1906, Tbk
14.879.60 9
868.476 653.026 1.773.721 16.441 .327
235.332
12
PT BANK HSBC INDONESIA
19.111.09 2
1.145.42 4
1.225.755 2.555.131 18.594 .985
264.686
13 PT BANK ICBC INDONESIA 24.748.652
1.386.82 3
1.316.253 2.653.680 33.452 .644
1.075.771
14 PT BANK INDEX SELINDO 5.765.424 389.811 169.062 729.340 4.835.355 58.251
15
PT BANK JTRUST INDONESIA, TBK
11.664.89 0
956.942 516.684 1.265.320 11.236 .878
428.434
16
PT BANK KEB HANA INDONESIA
18.798.02
7 943.272 571.314 2.191.704 26.442
.303 350.738
17
PT BANK MASPION INDONESIA
4.188.586 282.291 181.894 523.188 4.183.
363
41.448
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
18
PT BANK MAYAPADA INTERNATIONAL, Tbk
51.640.34
7 3.518.03
6 1.119.506 6.029.020 47.197
.276 110.930
19
PT BANK MAYBANK INDONESIA, Tbk
108.415.5 28
6.610.16 9
4.365.603 12.725.646 95.905 .845
2.013.468
20 PT BANK MAYORA 4.008.434 233.812 201.191 502.722 3.379.490
36.493
21 PT BANK MEGA, Tbk 51.088.553
2.664.32 2
3.040.809 6.120.046 28.276 .743
1.998.045
22
PT BANK MESTIKA DHARMA
7.769.787 334.636 311.654 1.025.309 6.288.
416
86.085
23
PT BANK MNC INTERNASIONAL, Tbk
10.339.40
7 766.342 429.659 1.144.064 7.994.
316 151.141
24
PT BANK MULTIARTA SENTOSA
5.768.211 312.134 137.825 556.059 3.923.
460
29.909
25 PT BANK NATIONALNOBU 7.538.890 270.360 264.294 560.183 3.995.887
18.023
26
PT BANK NUSANTARA PARAHYANGAN,Tbk
6.312.303 405.725 432.948 871.020 5.313.
629
85.606
27 PT BANK OCBC NISP, Tbk 101.021.845
4.811.05 4
3.156.453 10.204.341 91.443 .688
1.539.390
28
PT BANK OF INDIA INDONESIA, Tbk
3.023.225 240.470 72.771 406.669 2.500.
163
20.167
29 PT BANK PERMATA, Tbk 117.132.153 8.234.98
6 4.650.821 14.357.272 93.816
.494 2.676.113
30
PT BANK QNB INDONESIA, Tbk
19.344.96 2
1.488.72 9
691.870 2.048.592 18.287 .914
201.097
31
PT BANK RABOBANK INTERNATIONAL INDONESIA
10.184.60
8 655.298 546.442 1.259.600 9.396.
179 398.006
32 PT BANK SBI INDONESIA 2.316.101 148.655 90.083 337.946 1.932.754 21.041
33
PT BANK SHINHAN INDONESIA
1.835.022 110.315 137.798 261.699 1.985.
635 26.612
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
34 PT BANK SINARMAS, Tbk 22.688.014 3.083.30
7 1.724.011 4.895.922 17.277
.893 763.534
35
PT BANK TABUNGAN PENSIUNAN NASIONAL, Tbk
60.813.94 8
4.543.95 1
4.681.661 11.468.744 58.171 .598
721.168
36 PT BANK UOB INDONESIA 73.004.901 3.739.27
6 2.834.865 7.088.508 65.789
.064 8.987.868
37
PT BANK VICTORIA INTERNATIONAL, Tbk
19.487.13
9 1.773.26
2 297.872 1.978.898 13.325
.250 385.350
38 PT BRI AGRONIAGA, Tbk 9.223.779 543.413 224.696 965.085 8.179.754
70.719
39
PT PAN INDONESIA BANK, Tbk
135.769.7 75
8.114.97 2
3.952.531 15.669.885 122.29 9.802
1.158.302
BUSN NON DEVISA
1
PT BANK AMAR INDONESIA
68.549 4.570 46.502 80.191 319.97
3 9.856
2 PT BANK ANDARA 99.656 62.078 72.853 119.865 1.035.552
1.932
3
PT BANK ARTOS INDONESIA
590.385 43.898 77.018 77.160 476.65 1
7.473
4
PT BANK BISNIS INTERNASIONAL
394.801 32.179 19.547 67.410 431.04 4
1.963
5
PT BANK DINAR INDONESIA
1.615.094 121.687 58.511 195.244 1.332.
359 3.494
6
PT BANK FAMA INTERNASIONAL
866.004 69.073 29.871 137.007 878.00
7 12.795
7
PT BANK HARDA INTERNASIONAL
1.568.478 121.423 85.278 215.914 1.398.
464
10.091
8 PT BANK INA PERDANA 1.800.961 134.324 70.486 240.863 1.378.153
12.148
9 PT BANK JASA JAKARTA 4.169.366 265.980 93.537 515.335 3.578.797
15.503
No NAMA BANK
Input Output
Dana pihak 3
Beban Bunga
Beban Overhead
Pendapata
n Bunga Kredit
Pendapatan Operasional Selain Bunga
10
PT BANK KESEJAHTERAAN EKONOMI
2.463.528 188.273 123.976 378.008 2.276.
170 17.560
11
PT BANK MANDIRI TASPEN POS
5.651.792 262.654 258.112 560.933 4.929.
207
44.361
12 PT BANK MITRANIAGA 1.989.542 170.754 44.604 230.878 1.000.069
4.007
13
PT BANK PEMBANGUNAN DAERAH BANTEN, TBK
3.897.174 387.418 480.598 471.752 3.267.
671
61.554
14
PT BANK ROYAL INDONESIA
634.179 40.659 30.694 74.033 565.06
3 2.340
15
PT BANK SAHABAT SAMPOERNA
6.216.675 463.827 273.608 921.887 5.771.
612 13.494
16 PT BANK YUDHA BHAKTI 3.409.627 264.068 143.984 491.927 3.266.100
26.179
17 PT PRIMA MASTER BANK 1.938.041 158.865 79.241 253.742 1.639.041
14.777
LAMPIRAN II HASIL UJI PENELITIAN
1. Hasil perhitungan Efisiensi dengan Data Envelopment Analysis (DEA) Nilai Efisiensi Bank Devisa
No Nama Bank Tahun
2015 2016
1 PT BANK ANTARDAERAH 100 100
2 PT BANK ARTHA GRAHA INTERNASIONAL, Tbk 79,61 76,25
3 PT BANK BUKOPIN, Tbk 86,76 91,76
4 PT BANK BUMI ARTA, Tbk 87,18 88,69
5 PT BANK CAPITAL INDONESIA, Tbk 79,46 82,33
6 PT BANK CENTRAL ASIA, Tbk 100 100
7 PT BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk 81,83 76,09
8 PT BANK CIMB NIAGA, Tbk 100 100
9 PT BANK DANAMON INDONESIA, Tbk 100 100
10 PT BANK GANESHA 100 100
11 PT BANK HIMPUNAN SAUDARA 1906, Tbk 84,58 87,34
12 PT BANK HSBC INDONESIA 80,02 87,95
13 PT BANK ICBC INDONESIA 100 100
14 PT BANK INDEX SELINDO 93,16 97,35
15 PT BANK JTRUST INDONESIA, TBK 72,73 83,02
16 PT BANK KEB HANA INDONESIA 100 100
17 PT BANK MASPION INDONESIA 86,47 89,63
18 PT BANK MAYAPADA INTERNATIONAL, Tbk 100 100
19 PT BANK MAYBANK INDONESIA, Tbk 89,96 93,7
20 PT BANK MAYORA 85,13 86,43
21 PT BANK MEGA, Tbk 81,27 84,98
No Nama Bank Tahun 2015 2016
22 PT BANK MESTIKA DHARMA 100 100
23 PT BANK MNC INTERNASIONAL, Tbk 73,25 76,39
24 PT BANK MULTIARTA SENTOSA 94,33 89,52
25 PT BANK NATIONALNOBU 74,87 69,27
26 PT BANK NUSANTARA PARAHYANGAN,Tbk 85,14 84,48
27 PT BANK OCBC NISP, Tbk 100 100
28 PT BANK OF INDIA INDONESIA, Tbk 100 100
29 PT BANK PERMATA, Tbk 100 98,74
30 PT BANK QNB INDONESIA, Tbk 87,13 79,62
31 PT BANK RABOBANK INTERNATIONAL INDONESIA 87,76 87,46
32 PT BANK SBI INDONESIA 98,79 100
33 PT BANK SHINHAN INDONESIA 100 100
34 PT BANK SINARMAS, Tbk 100 100
35 PT BANK TABUNGAN PENSIUNAN NASIONAL, Tbk 100 100
36 PT BANK UOB INDONESIA 100 100
37 PT BANK VICTORIA INTERNATIONAL, Tbk 100 100
38 PT BRI AGRONIAGA, Tbk 88,87 92,42
39 PT PAN INDONESIA BANK, Tbk 100 100
Nilai Efisiensi Bank non Devisa
No Nama Bank Tahun
2015 2016
1 PT BANK AMAR INDONESIA 100 100
2 PT BANK ANDARA 100 100
3 PT BANK ARTOS INDONESIA 84,78 57,8
4 PT BANK BISNIS INTERNASIONAL 100 100
No Nama Bank Tahun
2015 2016
5 PT BANK DINAR INDONESIA 87,42 81,34
6 PT BANK FAMA INTERNASIONAL 100 100
7 PT BANK HARDA INTERNASIONAL 90,83 81,81
8 PT BANK INA PERDANA 89,13 89,1
9 PT BANK JASA JAKARTA 100 100
10 PT BANK KESEJAHTERAAN EKONOMI 100 97,72
11 PT BANK MANDIRI TASPEN POS 100 100
12 PT BANK MITRANIAGA 100 100
13 PT BANK PEMBANGUNAN DAERAH BANTEN, TBK 100 100
14 PT BANK ROYAL INDONESIA 81,18 91,91
15 PT BANK SAHABAT SAMPOERNA 100 100
16 PT BANK YUDHA BHAKTI 100 100
17 PT PRIMA MASTER BANK 100 87,53
2. Uji Normalitas (Kolmogorov-Smirnov Test)
Test Statisticsa
efisiensi_bank Most Extreme Differences
Absolute ,192
Positive ,192
Negative -,029
Kolmogorov-Smirnov Z ,932
Asymp. Sig. (2-tailed) ,350
a. Grouping Variable: jenis_bak