3.2. Population and Sample
The population used in this study is all commercial banks operating in Indonesia during the quarterly period 2010-2013 all banks except for Rural
Development Bank BPD and Islamic bank. Samples were taken by purposive sampling, the sampling method is based on the subjective judgment of
researchers, where there are requirements that have to be made as the criteria that must be met by the sample to obtain a representative sample Sugiyono, 2004.
The reason for the limited use of this method of data access so that not all researchers can access the data bank. Sample selection criteria are as follows:
1. Commercial banks which registered in BI and still operating in the period of
study Q1 2010-Q4 2013. 2.
Commercial banks which provide complete annual reports and quarterly finance ratio according to variables used in this study.
3. Commercial banks which have a clear ownership structure.
Rural Development bank is not taken into sample is due to its characteristic, which is owned by local governments, which generally only
operate in a certain region. Meanwhile, islamic bank were exluded from the sample becuse it has different system and structure from conventional bank, so it
needs different treatment. As procedure for the determination of the sample is as follows.
Table 3.2 Sample Determination Procedures
No Sample Criteria
Total 1
Commercial banks which registered in BI and still operating in the period of study Q1 2010-
Q4 2013. 131
2 Excluded Islamic Banks
-11 3
Excluded Rural Development Banks -26
4 Excluded bank which not provide complete
financial statements and quarterly finance ratio according to variables used in this study Q1
2010-Q4 2013. -77
Total banks include into sample 27
5 Split into subsample based on ownership 50
or more share owned by foreign include into foreign bank
Domestic= 13 Foreign= 14
Source: Bank Indonesia, Published Financial Statement of each bank, processed the sample explanation is attached on Appendix 1
3.3. Data Resource
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