KREDIT INVESTASI SELAMA TAHUN 2009

  Lampiran 1 KREDIT INVESTASI SELAMA TAHUN 2009

     

  Debitur Kredit Investasi

  A 250,000,000.00  

  B 210,000,000.00  

  C 300,000,000.00  

  D 300,000,000.00  

  E   60,000,000.00 F 400,000,000.00

    G 70,000,000.00

    H 500,000,000.00

    I 100,000,000.00

    J 300,000,000.00

    K 85,000,000.00

    L 150,000,000.00

    M 100,000,000.00

    N   75,000,000.00 O   190,000,000.00

  P 250,000,000.00  

  Q 125,000,000.00  

  R 60,000,000.00  

  S 50,000,000.00  

  T 150,000,000.00  

  U 400,000,000.00  

  V 100,000,000.00  

  W 500,000,000.00  

  X 275,000,000.00  

  Y   200,000,000.00 Z 250,000,000.00

    AA 500,000,000.00

    AB 300,000,000.00

    AC 200,000,000.00

    AD 200,000,000.00

    AE 75,000,000.00

    AF 500,000,000.00

    AG 200,000,000.00

    AH 90,000,000.00

   

  Lampiran 2 DATA CURRENT RATIO (Current Asset/Current Liabilties)

    897,676,875.00 412,725,000.00 2.175  

    586,206,000.00 261,000,000.00 2.246  

  X

    476,652,410.00 328,725,800.00 1.450  

  W

    404,100,000.00 150,000,000.00 2.694  

  V

  U

    714,968,725.00 212,725,000.00 3.361  

    400,050,000.00 150,000,000.00 2.667  

  T

    124,967,808.87 49,800,000.00 2.509  

  S

    156,890,900.00 87,987,098.00 1.783  

  R

    597,619,350.00 151,950,000.00 3.933  

  Y

  Z

    927,250,000.00 250,000,000.00 3.709  

  AE

  AH

    415,000,000.00 204,450,000.00 2.030  

  AG

    701,560,000.00 330,567,890.00 2.122  

  AF

    150,789,000.79 78,090,000.00 1.931  

    305,678,000.00 210,768,000.00 1.450  

    673,117,350.00 401,567,800.00 1.676  

  AD

    835,000,087.00 215,000,000.00 3.884  

  AC

    956,000,000.00 325,000,000.00 2.942  

  AB

    486,789,600.76 128,900,000.00 3.776  

  AA

  Q

  P

         

  B

  E

    852,300,000.00 300,000,000.00 2.841  

  D

    836,945,440.00 325,280,000.00 2.573  

  C

    443,000,000.00 200,000,000.00 2.215  

    927,250,000.00 250,000,000.00 3.709  

  F

  A

   

  Current Liabilities Current Ratio

   

  Current Asset

   

  Debitur

    584,906,250.00 93,750,000.00 6.239  

    542,033,453.10 408,465,300.00 1.327  

    661,790,250.00 222,750,000.00 2.971  

    249,040,000.00 88,000,000.00 2.830  

  O

    166,125,000.00 75,000,000.00 2.215  

  N

    118,600,000.00 100,000,000.00 1.186  

  M

    250,050,000.00 150,000,000.00 1.667  

  L

  K

  G

    942,865,875.00 312,725,000.00 3.015  

  J

    231,000,000.00 120,000,000.00 1.925  

  I

    1,069,000,000.00 500,000,000.00 2.138  

  H

    111,370,000.00 70,000,000.00 1.591  

    198,000,000.00 100,000,000.00 1.980  

  Lampiran 3

DATA CASH RATIO

(Cash+ Marketable Securities/Current Liabilties)

    163,545,678.82   743,456,767.89 412,725,000.00   2.198

    162,345,784.76   412,123,432.45 261,000,000.00   2.201

  X

    221,345,654.85   251,234,564.86 328,725,800.00   1.438

  W

    127,876,556.76   276,545,987.48 150,000,000.00   2.696

  V

  U

    176,453,123.84   543,437,654.12 212,725,000.00   3.384

    176,878,980.56   214,786,567.87 150,000,000.00   2.611

  T

    167,656,898.49   76,543,234.00 49,800,000.00   4.904

  S

    123,456,546.63   143,567,808.92 87,987,098.00   3.035

  R

  Y

  Z

  Q

  AE

  AH

    321,345,432.67   45,678,765.76 204,450,000.00   1.795

  AG

    231,456,543.76   487,654,896.34 330,567,890.00   2.175

  AF

    78,909,865.45   54,323,452.65 78,090,000.00   1.706

    165,436,758.47   126,789,563.12 210,768,000.00   1.386

    265,432,675.49   467,890,546.23 401,567,800.00   1.826

  AD

    298,654,365.53   515,453,657.82 215,000,000.00   3.787

  AC

    789,056,321.89   124,567,896.45 325,000,000.00   2.811

  AB

    329,856,766.54   123,467,589.53 128,900,000.00   3.517

  AA

    259,876,564.87   335,456,767.34 151,950,000.00   3.918

    495,678,676.87   408,765,647.78 250,000,000.00   3.618

             

  C

  F

    162,343,209.00   416,756,743.00 93,750,000.00   6.177

  E

    210,565,443.00   631,098,000.00 300,000,000.00   2.806

  D

    106,754,898.00   734,567,872.00 325,280,000.00   2.586

    63,568,980.00   375,850,008.98 200,000,000.00   2.197

  G

  B

    140,567,008.89   425,607,878.98 250,000,000.00   2.265

  A

    Cash Ratio

  Marketable Secutities Current Liabilities

    Cash 

  Debitur

    257,890,988.00   254,321,343.00 408,465,300.00   1.254

    45,676,545.00   74,568,909.00 70,000,000.00   1.718

  P

    22,456,653.00   216,756,433.00 150,000,000.00   1.595

    108,675,645.91   547,676,543.87 222,750,000.00   2.947

  O

    11,234,356.00   156,454,346.76 75,000,000.00   2.236

  N

    56,987,456.00   61,335,653.00 100,000,000.00   1.183

  M

  L

  H

    78,909,908.00   171,145,342.00 88,000,000.00   2.842

  K

    304,512,311.00   600,675,434.00 312,725,000.00   2.895

  J

    77,565,435.00   149,678,567.00 120,000,000.00   1.894

  I

    214,565,458.00   831,543,556.00 500,000,000.00   2.092

    54,323,456.87   178,909,876.09 100,000,000.00   2.332

  Lampiran 4 DATA RETURN ON ASSET (Earning Before Tax/Total Asset

    268,745,212.87 978,412,521.15 0.275  

    168,451,254.86 932,111,254.22 0.181  

  X

    227,584,555.54 1,208,562,985.69 0.188  

  W

    84,215,231.56 936,451,285.12 0.090  

  V

  U

    150,125,124.66 1,456,125,321.25 0.103  

    112,546,585.63 756,854,659.55 0.149  

  T

    98,454,584.12 111,121,546.54 0.886  

  S

    111,051,254.12 210,213,251.12 0.528  

  R

  Y

  Z

  Q

  AE

  AH

    122,457,845.62 863,125,454.12 0.142  

  AG

    788,542,111.99 496,222,354.26 1.589  

  AF

    65,985,451.12 452,623,125.12 0.146  

    233,254,256.54 798,546,454.55 0.292  

    77,215,454.12 1,036,521,412.12 0.074  

  AD

    211,524,560.99 1,263,233,522.65 0.167  

  AC

    152,111,698.25 1,552,487,654.23 0.098  

  AB

    455,878,541.16 352,125,487.96 1.295  

  AA

    173,125,451.84 940,254,654.59 0.184  

    73,854,658.56 1,308,564,254.26 0.056  

         

  C

  F

    211,021,546.58 803,124,125.56 0.263  

  E

    91,312,525.25 1,532,002,542.21 0.060  

  D

    156,765,432.12 1,375,432,123.54 0.114  

    99,675,432.52 776,875,643.32 0.128  

  G

  B

    33,231,234.65 1,121,234,123.54 0.030  

  A

   

  Total Asset Return on Asset

    Earning Before Tax

  Debitur

    112,123,451.12 1,062,154,652.85 0.106  

    105,126,854.42 230,124,658.96 0.457  

  P

    276,452,123.52 921,548,605.35 0.300  

    162,125,489.77 993,568,475.81 0.163  

  O

    51,156,125.23 305,487,659.88 0.167  

  N

    114,256,845.54 208,555,696.13 0.548  

  M

  L

  H

    82,356,451.12 169,215,326.23 0.487  

  K

    189,546,524.25 1,315,124,251.95 0.144  

  J

    121,245,564.21 452,195,654.58 0.268  

  I

    200,124,658.45 1,830,215,986.21 0.109  

    33,125,412.12 452,123,123.12 0.073  

  Lampiran 5 DATA RETURN EQUITY (Net Income/Total Equity)

    258,650,965.08 1,456,123,000.00 0.178  

    148,264,321.09 681,245,612.18 0.218  

  X

    220,520,356.06 1,296,452,123.36 0.170  

  W

    63,120,150.80 923,012,001.54 0.068  

  V

  U

    135,645,623.01 1,546,213,542.19 0.088  

    85,213,123.18 560,365,000.01 0.152  

  T

    45,600,510.36 254,362,120.85 0.179  

  S

    56,854,326.13 154,236,850.09 0.369  

  R

  Y

  Z

  Q

  AE

  AH

    103,412,532.18 654,320,512.04 0.158  

  AG

    768,210,543.20 826,003,124.53 0.930  

  AF

    85,125,601.27 602,552,003.08 0.141  

    203,154,216.14 587,654,321.30 0.346  

    563,120,120.52 3,765,213,452.10 0.150  

  AD

    196,120,540.10 1,036,425,000.23 0.189  

  AC

    132,125,001.08 1,254,362,000.21 0.105  

  AB

    430,152,135.12 263,125,362.17 1.635  

  AA

    150,142,012.06 780,106,230.30 0.192  

    31,254,125.12 1,054,620,154.12 0.030  

         

  C

  F

    184,125,698.54 711,642,583.55 0.259  

  E

    71,212,154.11 1,225,412,365.16 0.058  

  D

    126,321,654.65 1,044,125,121.00 0.121  

    77,735,125.95 577,451,212.12 0.135  

  G

  B

    34,512,326.12 875,212,321.23 0.039  

  A

   

  Total Equity Return on Equity

    Net Income 

  Debitur

    90,142,361.12 660,143,211.65 0.137  

    81,001,234.19 286,451,365.56 0.283  

  P

    254,213,654.18 765,140,850.75 0.332  

    143,546,521.32 771,452,154.21 0.186  

  O

    30,478,065.48 231,054,001.25 0.132  

  N

    187,546,851.65 421,325,890.77 0.445  

  M

  L

  H

    623,125,123.26 3,258,456,876.86 0.191  

  K

    168,215,326.12 1,314,125,123.13 0.128  

  J

    123,129,015.11 389,000,100.32 0.317  

  I

    180,365,110.10 1,325,001,540.16 0.136  

    92,654,321.06 362,125,006.63 0.256  

  Lampiran 6 DATA DEBT TO EQUITY RATIO (Total Debt/Total Equity)

    402,064,850.00 1,456,123,000.00 0.276  

    276,011,000.00 681,245,612.18 0.405  

  X

    500,000,000.00 1,296,452,123.36 0.386  

  W

    100,000,000.00 923,012,001.54 0.108  

  V

  U

    201,033,010.00 1,546,213,542.19 0.130  

    150,124,061.00 560,365,000.01 0.268  

  T

    49,998,985.00 254,362,120.85 0.197  

  S

    60,000,000.00 154,236,850.09 0.389  

  R

  Y

  Z

  Q

  AE

  AH

    200,000,000.00 654,320,512.04 0.306  

  AG

    500,105,000.00 826,003,124.53 0.605  

  AF

    75,000,000.00 602,552,003.08 0.124  

    206,000,151.00 587,654,321.30 0.351  

    250,000,000.00 3,765,213,452.10 0.066  

  AD

    200,654,000.00 1,036,425,000.23 0.194  

  AC

    301,050,031.00 1,254,362,000.21 0.240  

  AB

    500,000,000.00 263,125,362.17 1.900  

  AA

    124,895,621.00 780,106,230.30 0.160  

    250,000,101.00 1,054,620,154.12 0.237  

         

  C

  F

    61,005,120.12 711,642,583.55 0.086  

  E

    300,542,000.00 1,225,412,365.16 0.245  

  D

    305,601,000.00 1,044,125,121.00 0.293  

    210,003,120.00 577,451,212.12 0.364  

  G

  B

    253,120,125.03 875,212,321.23 0.289  

  A

   

  Total Equity Debt to Equity Ratio

    Total Debt 

  Debitur

    403,005,120.09 660,143,211.65 0.610  

    70,512,600.00 286,451,365.56 0.246  

  P

    152,021,020.00 765,140,850.75 0.199  

    191,050,000.00 771,452,154.21 0.248  

  O

    75,000,000.00 231,054,001.25 0.325  

  N

    101,005,120.00 421,325,890.77 0.240  

  M

  L

  H

    86,100,510.10 3,258,456,876.86 0.026  

  K

    300,000,100.00 1,314,125,123.13 0.228  

  J

    101,362,125.00 389,000,100.32 0.261  

  I

    500,000,000.00 1,325,001,540.16 0.377  

    90,000,000.00 362,125,006.63 0.249  

  Lampiran 7 DATA DEBT TO ASSET RATIO (Total Debt/Total Asset)

    402,064,850.00 978,412,521.15 0.411  

    276,011,000.00 932,111,254.22 0.296  

  X

    500,000,000.00 1,208,562,985.69 0.414  

  W

    100,000,000.00 936,451,285.12 0.107  

  V

  U

    201,033,010.00 1,456,125,321.25 0.138  

    150,124,061.00 756,854,659.55 0.198  

  T

    49,998,985.00 111,121,546.54 0.450  

  S

    60,000,000.00 210,213,251.12 0.285  

  R

  Y

  Z

  Q

  AE

  AH

    200,000,000.00 863,125,454.12 0.232  

  AG

    500,105,000.00 496,222,354.26 1.008  

  AF

    75,000,000.00 452,623,125.12 0.166  

    206,000,151.00 798,546,454.55 0.258  

    250,000,000.00 1,036,521,412.12 0.241  

  AD

    200,654,000.00 1,263,233,522.65 0.159  

  AC

    301,050,031.00 1,552,487,654.23 0.194  

  AB

    500,000,000.00 352,125,487.96 1.420  

  AA

    124,895,621.00 940,254,654.59 0.133  

    250,000,101.00 1,308,564,254.26 0.191  

         

  C

  F

    61,005,120.12 803,124,125.56 0.076  

  E

    300,542,000.00 1,532,002,542.21 0.196  

  D

    305,601,000.00 1,375,432,123.54 0.222  

    210,003,120.00 776,875,643.32 0.270  

  G

  B

    253,120,125.03 1,121,234,123.54 0.226  

  A

   

  Total Asset Debt to Asset Ratio

    Total Debt 

  Debitur

    403,005,120.09 1,062,154,652.85 0.379  

    70,512,600.00 230,124,658.96 0.306  

  P

    152,021,020.00 921,548,605.35 0.165  

    191,050,000.00 993,568,475.81 0.192  

  O

    75,000,000.00 305,487,659.88 0.246  

  N

    101,005,120.00 208,555,696.13 0.484  

  M

  L

  H

    86,100,510.10 169,215,326.23 0.509  

  K

    300,000,100.00 1,315,124,251.95 0.228  

  J

    101,362,125.00 452,195,654.58 0.224  

  I

    500,000,000.00 1,830,215,986.21 0.273  

    90,000,000.00 452,123,123.12 0.199  

  Lampiran 8

RASIO-RASIO KEUANGAN PT. BANK MAYAPADA INTERNASIONAL, TBK

DIVISI MAYAPADA MITRA USAHA UNIT KAMPUNG LALANG MEDAN

  Current Ratio

Cash

Ratio

  Debitur

                 

ROA ROE

   

    60,000,000.00   1.783 3.035 0.528 0.369   0.389 0.285

  N

    75,000,000.00   2.215 2.236 0.167 0.132   0.325 0.246

  O

    190,000,000.00   2.971 2.947 0.163 0.186   0.248 0.192

  P

    250,000,000.00   3.709 3.618 0.056 0.030   0.237 0.191

  Q

    125,000,000.00   3.933 3.918 0.184 0.192   0.160 0.133

  R

  S

  M

    50,000,000.00   2.509 4.904 0.886 0.179   0.197 0.450

  T

    150,000,000.00   2.667 2.611 0.149 0.152   0.268 0.198

  U

    400,000,000.00   2.175 2.198 0.275 0.178   0.276 0.411

  V

    100,000,000.00   2.694 2.696 0.090 0.068   0.108 0.107

  W

    500,000,000.00   1.450 1.438 0.188 0.170   0.386 0.414

    100,000,000.00   1.186 1.183 0.548 0.445   0.240 0.484

    150,000,000.00   1.667 1.595 0.300 0.332   0.199 0.165

  DER DAR A

  F

    250,000,000.00   3.709 2.265 0.030 0.039   0.289 0.226

  B

    210,000,000.00   2.215 2.197 0.128 0.135   0.364 0.270

  C

    300,000,000.00   2.573 2.586 0.114 0.121   0.293 0.222

  D

    300,000,000.00   2.841 2.806 0.060 0.058   0.245 0.196

  E

    60,000,000.00   6.239 6.177 0.263 0.259   0.086 0.076

    400,000,000.00   1.327 1.254 0.106 0.137   0.610 0.379

  L

  G

    70,000,000.00   1.591 1.718 0.457 0.283   0.246 0.306

  H

    500,000,000.00   2.138 2.092 0.109 0.136   0.377 0.273

  I

    100,000,000.00   1.925 1.894 0.268 0.317   0.261 0.224

  J

    300,000,000.00   3.015 2.895 0.144 0.128   0.228 0.228

    Kredit Investasi

    85,000,000.00   2.830 2.842 0.487 0.191   0.026 0.509

  K

  X

  AD

  AH

    200,000,000.00   2.030 1.795 0.142 0.016   0.306 0.232

  AG

    500,000,000.00   2.122 2.175 1.589 0.930   0.605 1.008

  AF

    75,000,000.00   1.931 1.706 0.146 0.141   0.124 0.166

  AE

    200,000,000.00   1.450 1.386 0.292 0.346   0.351 0.258

    200,000,000.00   3.884 3.787 0.167 0.189   0.194 0.159

    275,000,000.00   2.246 2.201 0.181 0.218   0.405 0.296

  AC

    300,000,000.00   2.942 2.811 0.098 0.105   0.240 0.194

  AB

    500,000,000.00   3.776 3.517 0.295 1.635   1.900 1.420

  AA

    250,000,000.00   1.676 1.826 0.074 0.150   0.066 0.241

  Z

    200,000,000.00   3.361 3.384 0.103 0.088   0.130 0.138

  Y

    90,000,000.00   1.980 2.332 0.073 0.256   0.249 0.199

  Lampiran 9 Descriptive Statistics

   

  Mean Std. Deviation N

   

  K.Investasi 2.2102941E8 1.40786640E8

  34

     

  C.Ratio 2.55176 1.013579

  34

     

  Cash.Ratio 2.58897 1.051747

  34

     

  ROA .26059 .295065

  34

     

  ROE .24444 .294730

  34

     

  DER .31259 .308381

  34

     

  DAR .30871 .257359

  34

    b  

  Variables Entered/Removed Variables Model Variables Entered Removed Method

     

1 DAR, Cash.Ratio, ROA, C.Ratio, ROE, . Enter

    a  

  DER a. All requested variables entered.

  b. Dependent Variable: K.Investasi

   

  b Model Summary Adjusted R Std. Error of the Model R R Square Square Estimate  

      a

  1 .741 .550 .450 1.04454575E8  

       

  a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER

  b. Dependent Variable: K.Investasi

   

  Lampiran 10

Correlations

     

  K.Investasi

DER DAR

   

  C.Ratio Cash.Ratio ROA ROE

   

  Pearson Correlation

   

  K.Investasi

   

  1.000 -.082 -.235 .054 .336

   

  .548 .512 C.Ratio

  • .082 1.000 .862 -.165 .046
  • .235 .862 1.000 .066 .054
  • .033 -.047 ROA

   

  34

   

  34

  34

  34

  

34

  34

   

  34 ROA

  34

   

  34

  34

  34 ROE

  

34

  34

   

  34 Cash.Ratio

  34

   

  34

  34

  34

  

34

  34

   

  34

   

  34

   

  34

  34

   

  34

  34

  34

  

34

  34

   

  34 DAR

  34

  34

  34

  34

  34

  

34

  34

   

  34 DER

  34

   

  34

  34

  34

  

34

  34 C.Ratio

   

  .018 -.080 Cash.Ratio

  1.000 .835 DAR

   

  .000 .001 C.Ratio

   

  . .323 .091 .381 .026

   

  K.Investasi

   

  .835 1.000 Sig. (1-tailed)

   

  .512 -.080 -.047 .564 .894

   

   

   

  .548 .018 -.033 .149 .849

   

  .849 .894 DER

   

  .336 .046 .054 .485 1.000

   

  .149 .564 ROE

   

  .054 -.165 .066 1.000 .485

   

   

   

  .323 . .000 .175 .399

  .459 .327 Cash.Ratio

  34

  . .000 DAR

  34

  34

  

34

  34

   

   

   

  N

    .000 .

  .001 .327 .396 .000 .000

   

   

   

  .000 .459 .427 .200 .000

   

  .000 .000 DER

   

    .026 .399 .380 .002 .

  .200 .000 ROE

   

  .381 .175 .356 . .002

   

  .427 .396 ROA

   

  .091 .000 . .356 .380

  K.Investasi

  b Lampiran 11 ANOVA Model Sum of Squares df Mean Square F Sig.

      a

  1 Regression 3.595E17 6 5.992E16 5.491 .001

         

     

  Residual 2.946E17 27 1.091E16

     

       

  Total 6.541E17

  33

   

  a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER

  b. Dependent Variable: K.Investasi

    a

  

Coefficients

Unstandardized Standardized Coefficients Coefficients Collinearity Statistics Model B Std. Error Beta t Sig. Tolerance

  VIF

       

       

  1 (Constant) 1.028E8 6.328E7 1.625 .116

         

  C.Ratio 8.244E7 4.169E7 .594 1.977 .058 .185 5.401

     

  Cash.Ratio -8.649E7 3.943E7 -.646 -2.193 .037 .192 5.202

       

  ROA 9.541E7 1.291E8 .200 .739 .466 .228 4.387

       

  ROE -4.926E8 1.701E8 -1.031 -2.896 .007 .131 7.605

       

  DER 3.683E8 1.836E8 .807 2.006 .055 .103 9.699

       

  DAR 3.634E8 2.279E8 .664 1.595 .122 .096 10.405

       

  a. Dependent Variable: K.Investasi

   

  a Lampiran 12

Residuals Statistics

    Std.

  Minimum Maximum Mean Deviation N

   

  Predicted Value 3.9730488E7 5.4845709E8 2.2102941E8 1.04373818E8

  34

       

  Std. Predicted Value -1.737 3.137 .000 1.000

  34

       

  Standard Error of Predicted 2.119E7 1.028E8 4.214E7 2.201E7

  34

     

  Value

   

  Adjusted Predicted Value -1.4714909E8 2.0254022E9 2.5861913E8 3.31826835E8

  34

       

  Residual -1.77041168E8 2.20392624E8 .00000005 9.44827180E7

  34

       

  Std. Residual -1.695 2.110 .000 .905

  34

       

  Stud. Residual -2.603 2.753 -.053 1.180

  34

     

  Deleted Residual -1.52540224E9 6.47149120E8 3.09922861E8

  • 3.75897165E

  34

     

  7

   

  Stud. Deleted Residual -2.951 3.185 -.051 1.263

  34

       

  Mahal. Distance .388 30.981 5.824 7.639

  34

       

  Cook's Distance .000 29.498 1.046 5.084

  34

     

  Centered Leverage Value .012 .939 .176 .231

  34

       

a. Dependent Variable: K.Investasi

   

  Lampiran 13

Descriptive Statistics

   

  N Skewness Kurtosis

     

  Statistic Statistic Std. Error Statistic Std. Error

   

  Unstandardized Predicted Value 34 1.036 .403 1.699 .788

     

         

  Valid N (listwise)

  34 Uji Autokorelasi b

Model Summary

   

  Std. Error of the

Model R R Square Adjusted R Square Estimate Durbin-Watson

      a  

  

1 .741 .550 .450 1.04454575E8 2.444

       

  a. Predictors: (Constant), DAR, Cash.Ratio, ROA, C.Ratio, ROE, DER

  b. Dependent Variable: K.Investasi

   

  Lampiran 14

  Lampiran 15

  Lampiran16