Model Persamaan Simultan antara Capital Requirements dan Prilaku Risiko pada Bank yang Terdaftar di BEI
LAMPIRAN 1
Data Hasil Olahan Populasi
No.
Kode
Bank
1.
AGRO
2.
Nama Bank
Kriteria
1
Kriteria
2
Sampel
terpilih
Bank Rakyat Indonesia Agro Niaga Tbk
✓
✓
✓
AGRS
Bank Agris Tbk
x
✓
x
3.
BABP
Bank MNC Internasional Tbk
✓
✓
✓
4.
BACA
Bank Capital Indonesia Tbk
✓
✓
✓
5.
BBCA
Bank Central Asia Tbk
✓
✓
✓
6.
BBHI
Bank Harda Internasional Tbk
x
✓
X
7.
BBKP
Bank Bukopin Tbk
✓
✓
✓
8.
BBMD
Bank Mestika Dharma Tbk
x
✓
X
9.
BBNI
Bank Negara Indonesia (Persero) Tbk
✓
✓
✓
10.
BBNP
Bank Nusantara Parahyangan Tbk
✓
✓
✓
11.
BBRI
Bank Rakyat Indonesia (Persero) Tbk
✓
✓
✓
12.
BBTN
Bank Tabungan Negara (Persero) Tbk
✓
✓
✓
13.
BBYB
Bank Yudha Bakti Tbk
x
✓
X
14.
BCIC
Bank Mutiara Tbk
✓
✓
✓
15.
BDMN
Bank Danamon Indonesia Tbk
✓
✓
✓
16.
BEKS
Bank Pundi Indonesia Tbk
✓
✓
✓
68
Universitas Sumatera Utara
17.
BINA
Bank Ina Perdana Tbk
x
✓
X
18.
BJBR
Bank Jabar Banten Tbk
x
✓
X
19.
BJTM
Bank Pembangunan Daerah Jawa Timur Tbk
x
✓
X
20.
BKSW
Bank Kesawan Tbk
✓
✓
✓
21.
BMAS
Bank Maspion Indonesia Tbk
x
✓
X
22.
BMRI
Bank Mandiri (Persero) Tbk
✓
✓
✓
23.
BNBA
Bank Bumi Arta Tbk
✓
✓
✓
24.
BNGA
Bank CIMB Niaga Tbk
✓
✓
✓
25.
BNII
Bank Internasional Indonesia Tbk
✓
✓
✓
26.
BNLI
Bank Permata Tbk
✓
✓
✓
27.
BSIM
Bank Sinar Mas Tbk
x
✓
X
28.
BSWD
Bank Swadesi Tbk
✓
✓
✓
29.
BTPN
Bank Tabungan Pensiunan Nasional Tbk
✓
✓
✓
30.
BVIC
Bank Victoria Internasional Tbk
✓
✓
✓
31.
DNAR
Bank Dinar Indonesia Tbk
x
✓
X
32.
INPC
Bank Artha Graha Internasional Tbk
✓
✓
✓
33.
MAYA
Bank Mayapada Internasional Tbk
✓
✓
✓
34.
MCOR
Bank Windu Kentjana International Tbk
✓
✓
✓
35.
MEGA
Bank Mega Tbk
✓
✓
✓
36.
NAGA
Bank Mitraniaga Tbk
x
✓
X
37.
NISP
Bank NISP OCBC Tbk
✓
✓
✓
38.
NOBU
Bank Nationalnobu Tbk
x
✓
X
69
Universitas Sumatera Utara
39.
PNBN
Bank Pan Indonesia Tbk
✓
✓
✓
40.
PNBS
Bank Pan Indonesia Syariah Tbk
x
✓
X
41.
SDRA
Bank Woori Saudara Indonesia 1906 Tbk
✓
✓
✓
Total bank yang terpilih menjadi sampel
28 bank
70
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LAMPIRAN 2
Hasil Eviews Statistik Deskriptif
Mean
Median
Maximum
Minimum
Std. Dev.
Skewness
Kurtosis
PR
0.673903
0.676002
1.164692
0.326684
0.112118
0.104116
4.353211
LLOSS
0.003912
-0.002944
1.181419
-0.052979
0.088884
12.88875
171.1243
RCWAS
0.165218
0.153251
0.503678
-0.222923
0.068095
1.023086
14.55972
RCWA
0.161986
0.153251
0.464897
-0.222923
0.060987
0.507066
17.14818
ROA
1.387073
1.725000
5.150000
-52.09000
4.515951
-9.460284
110.0630
RS
0.659966
0.660800
1.164692
0.295938
0.127761
0.212538
4.184997
SIZE
17.18703
16.98237
20.56666
14.12217
1.747816
0.105049
1.841941
Jarque-Bera
Probability
14.21527
0.000819
219387.7
0.000000
1045.089
0.000000
1525.763
0.000000
89638.52
0.000000
12.01889
0.002455
10.50474
0.005235
Sum
Sum Sq. Dev.
122.6504
2.275246
0.712026
1.429973
30.06974
0.839291
29.48142
0.673220
252.4473
3691.281
120.1138
2.954434
3128.040
552.9296
Observations
182
182
182
182
182
182
182
71
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LAMPIRAN 3
Hasil Eviews Uji Hausman Test
Dependent Variable: RCWA
Method: Panel Least Squares
Date: 02/08/16 Time: 20:25
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
ROA
SIZE
RCWAS
RES
0.218319
0.005859
-0.006955
0.333384
-0.256339
0.037609
0.000785
0.002051
0.050936
0.049231
5.805012
7.468056
-3.390405
6.545113
-5.206899
0.0000
0.0000
0.0009
0.0000
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.449302
0.436857
0.045767
0.370741
305.6128
36.10259
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.161986
0.060987
-3.303437
-3.215415
-3.267754
2.219574
72
Universitas Sumatera Utara
LAMPIRAN 4
Hasil Eviews Two Stage Least Square (2SLS) Capital Requirements
Dependent Variable: RCWA
Method: Panel Two-Stage Least Squares
Date: 02/08/16 Time: 20:27
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Instrument specification: C ROA SIZE RCWAS LLOSS RS
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
ROA
SIZE
RCWAS
PR
0.258710
0.005309
-0.006492
0.314229
-0.065924
0.048004
0.000898
0.002148
0.054392
0.045820
5.389373
5.914787
-3.021950
5.777103
-1.438755
0.0000
0.0000
0.0029
0.0000
0.1520
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.409662
0.396321
0.047385
26.19535
0.000000
6
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.161986
0.060987
0.397428
2.195824
0.422881
73
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LAMPIRAN 5
Hasil Eviews Two Stage Least Square (2SLS) Perubahan Risiko
Dependent Variable: PR
Method: Panel Two-Stage Least Squares
Date: 02/08/16 Time: 20:28
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Instrument specification: C ROA SIZE RCWAS LLOSS RS
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
LLOSS
SIZE
RS
RCWA
-0.199813
0.893337
0.013575
0.720011
0.998349
0.159834
0.159841
0.004976
0.071869
0.380400
-1.250132
5.588907
2.728269
10.01839
2.624470
0.2129
0.0000
0.0070
0.0000
0.0094
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.253517
0.236648
0.097957
71.91417
0.000000
6
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.673903
0.112118
1.698432
1.844007
0.866701
74
Universitas Sumatera Utara
LAMPIRAN 6
Tabel Pengolahan Data Skripisi
Model Persamaan Simultan antara Capital Requirements dan Prilaku Risiko pada
Bank yang Terdaftar di BEI
Periode 2008-2014
Kode
Bank
AGRO
AGRO
AGRO
AGRO
AGRO
AGRO
AGRO
BABP
BABP
BABP
BABP
BABP
BABP
BABP
BACA
BACA
BACA
BACA
BACA
BACA
BACA
BBCA
BBCA
BBCA
BBCA
BBCA
BBCA
BBCA
BBKP
BBKP
BBKP
Tahun
RCWA
SIZE
PR
LLOSS
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
0.135085
0.196268
0.144200
0.163923
0.148004
0.215985
0.190620
0.117759
0.111936
0.126334
0.104706
0.112121
0.130850
0.177864
0.256239
0.446215
0.292933
0.215763
0.179969
0.201291
0.164348
0.157821
0.153263
0.135000
0.127473
0.142359
0.156594
0.168565
0.103581
0.143625
0.120581
14.764242
14.908003
14.931993
15.062875
15.211790
15.449460
15.669492
15.654134
15.762235
15.974214
15.803361
15.821548
15.915473
16.059435
14.348354
15.056543
15.296980
15.361996
15.550025
15.781122
16.040326
19.319092
19.458808
19.597547
19.760691
19.909067
20.022700
20.129826
17.300837
17.431102
17.676016
0.767823
0.633818
0.631281
0.535268
0.592339
0.761897
0.741389
0.739510
0.723608
0.705257
0.713965
0.730233
0.712887
0.712856
0.442898
0.326684
0.432653
0.595552
0.612443
0.593350
0.608909
0.538653
0.527553
0.632976
0.718157
0.696123
0.723273
0.728531
0.556916
0.442827
0.465985
-0.017040
-0.014735
0.011491
0.004582
-0.009647
-0.005697
-0.006243
-0.005082
-0.008878
-0.007737
-0.018879
-0.004501
-0.011814
0.004489
0.004412
0.001032
0.001608
0.002356
0.000069
-0.001348
-0.000079
-0.007143
-0.007941
0.001027
-0.001464
-0.001126
-0.004061
-0.004054
-0.002719
0.000072
-0.002889
ROA
0.110000
0.180000
0.670000
1.390000
1.630000
1.660000
1.530000
0.090000
0.180000
0.510000
-1.640000
0.090000
-0.930000
-0.820000
0.992973
1.420000
0.740000
0.840000
1.104113
3.800000
3.900000
3.430000
3.500000
3.800000
3.800000
3.600000
3.800000
3.900000
1.660000
1.460000
1.620000
RCWAS
RS
0.172700
0.135085
0.196268
0.144200
0.163923
0.148004
0.215985
0.118619
0.117759
0.111936
0.126334
0.104706
0.112121
0.130850
0.503678
0.256239
0.446215
0.292933
0.215763
0.179969
0.201291
0.192235
0.157821
0.153263
0.135000
0.127473
0.142359
0.156594
0.128356
0.103581
0.143625
0.833209
0.767823
0.633818
0.631281
0.535268
0.592339
0.761897
0.736130
0.739510
0.723608
0.705257
0.713965
0.730233
0.712887
0.295938
0.442898
0.326684
0.432653
0.595552
0.612443
0.593350
0.443595
0.538653
0.527553
0.632976
0.718157
0.696123
0.723273
0.439182
0.556916
0.442827
75
Universitas Sumatera Utara
BBKP
BBKP
BBKP
BBKP
BBNI
BBNI
BBNI
BBNI
BBNI
BBNI
BBNI
BBNP
BBNP
BBNP
BBNP
BBNP
BBNP
BBNP
BBRI
BBRI
BBRI
BBRI
BBRI
BBRI
BBRI
BCIC
BCIC
BCIC
BCIC
BCIC
BCIC
BCIC
BDMN
BDMN
BDMN
BDMN
BDMN
BDMN
BDMN
BEKS
BEKS
BEKS
BEKS
BEKS
BEKS
BEKS
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
0.127061
0.163394
0.151244
0.142051
0.135872
0.137660
0.186270
0.176329
0.166702
0.150939
0.162172
0.141410
0.125633
0.129378
0.134460
0.121735
0.157492
0.166030
0.131801
0.131966
0.137605
0.149555
0.169459
0.169917
0.183062
-0.222923
0.100221
0.111628
0.094097
0.100903
0.140333
0.136511
0.133721
0.175458
0.160433
0.175528
0.189006
0.178559
0.178615
0.093367
0.080226
0.394958
0.120164
0.132737
0.114279
0.100514
17.861775
18.000455
18.056228
18.185607
19.122496
19.242647
19.331277
19.516149
19.624564
19.773043
19.847574
15.122441
15.175563
15.479864
15.698427
15.921132
16.116668
16.063521
19.321155
19.574245
19.817632
19.968029
20.127856
20.255153
20.502563
15.535754
15.834558
16.193564
16.390197
16.539440
16.494893
16.355696
18.490844
18.406561
18.587944
18.773393
18.864028
19.031735
19.092137
14.215739
14.170086
14.261236
15.606109
15.854513
16.013082
16.017617
0.539519
0.542256
0.625832
0.614178
0.642518
0.616333
0.637255
0.619956
0.705492
0.746446
0.745331
0.683281
0.782527
0.782929
0.727539
0.721838
0.719802
0.762949
0.591607
0.546047
0.570010
0.595027
0.590115
0.652938
0.583801
1.164692
0.602066
0.573804
0.738659
0.685913
0.683868
0.609849
0.661733
0.644628
0.820078
0.887357
0.837571
0.842067
0.849704
0.789685
0.757392
0.484460
0.599737
0.662020
0.743281
0.779829
-0.002979
-0.002366
0.001502
-0.002249
-0.021605
-0.017806
-0.014600
-0.008094
-0.013575
-0.007003
-0.008743
0.000481
0.001027
-0.002244
-0.001501
-0.003792
-0.004303
-0.001290
-0.011743
-0.017105
-0.019492
-0.012325
-0.004839
-0.006305
-0.007135
1.181419
-0.027447
-0.027581
-0.022372
-0.000169
0.068445
0.010921
-0.017102
-0.029314
-0.018054
-0.015341
-0.016255
-0.018171
-0.020368
0.016744
0.114404
-0.052979
0.004065
-0.022467
-0.011234
-0.013597
1.870000
1.830000
1.750000
1.330000
1.100000
1.700000
2.490000
2.940000
2.920000
3.360000
3.490000
1.170000
1.020000
1.400000
1.396059
1.570000
1.580000
1.320000
4.180000
3.730000
4.640000
4.930000
5.150000
5.030000
4.740000
-52.090000
3.840000
2.530000
2.170000
0.945414
-7.635626
-5.282549
1.500000
1.500000
2.700000
2.600000
2.700000
2.500000
1.400000
-2.000000
-7.880000
-12.900000
-4.570000
0.980000
1.230000
-1.580000
0.120581
0.127061
0.163394
0.151244
0.157373
0.135872
0.137660
0.186270
0.176329
0.166702
0.150939
0.176160
0.141410
0.125633
0.129378
0.134460
0.121735
0.157492
0.166618
0.131801
0.131966
0.137605
0.149555
0.169459
0.169917
0.121981
-0.222923
0.100221
0.111628
0.094097
0.100903
0.140333
0.192665
0.133721
0.175458
0.160433
0.175528
0.189006
0.178559
0.119100
0.093367
0.080226
0.394958
0.120164
0.132737
0.114279
0.465985
0.539519
0.542256
0.625832
0.595985
0.642518
0.616333
0.637255
0.619956
0.705492
0.746446
0.478958
0.683281
0.782527
0.782929
0.727539
0.721838
0.719802
0.502527
0.591607
0.546047
0.570010
0.595027
0.590115
0.652938
0.458484
1.164692
0.602066
0.573804
0.738659
0.685913
0.683868
0.713801
0.661733
0.644628
0.820078
0.887357
0.837571
0.842067
1.025250
0.789685
0.757392
0.484460
0.599737
0.662020
0.743281
76
Universitas Sumatera Utara
BKSW
BKSW
BKSW
BKSW
BKSW
BKSW
BKSW
BMRI
BMRI
BMRI
BMRI
BMRI
BMRI
BMRI
BNGA
BNGA
BNGA
BNGA
BNGA
BNGA
BNGA
BNII
BNII
BNII
BNII
BNII
BNII
BNII
BNLI
BNLI
BNLI
BNLI
BNLI
BNLI
BNLI
BSWD
BSWD
BSWD
BSWD
BSWD
BSWD
BSWD
BTPN
BTPN
BTPN
BTPN
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
0.104307
0.125595
0.107247
0.464897
0.277597
0.187312
0.150966
0.156610
0.154270
0.133615
0.151270
0.154795
0.149296
0.166011
0.155870
0.134335
0.132394
0.130859
0.150848
0.153782
0.154104
0.194404
0.147107
0.126493
0.120251
0.128824
0.127638
0.160065
0.107566
0.121648
0.141266
0.149486
0.167310
0.145112
0.137866
0.332719
0.329034
0.268651
0.232054
0.211005
0.152772
0.144507
0.236660
0.185040
0.234002
0.204676
14.586691
14.668982
14.767136
15.094725
15.351227
16.217728
16.852338
19.697268
19.793425
19.924257
20.128862
20.270109
20.412792
20.566658
18.452156
18.489313
18.782910
18.932313
19.100806
19.203972
19.267246
17.856017
17.925823
18.134736
18.368536
18.567141
18.761051
18.780580
17.805596
17.841040
18.117051
18.433834
18.696786
18.926497
19.037756
14.122172
14.245589
14.266797
14.548084
14.747966
15.096815
15.464012
16.432721
16.918852
17.357124
17.658208
0.649201
0.582845
0.610211
0.537754
0.662671
0.725031
0.700442
0.484136
0.500301
0.593290
0.638748
0.629607
0.670135
0.602200
0.770596
0.808877
0.812523
0.896484
0.784489
0.798565
0.825547
0.643391
0.628767
0.751365
0.769944
0.727881
0.746440
0.736028
0.744018
0.790740
0.772285
0.753961
0.761771
0.768243
0.776108
0.620376
0.576916
0.726229
0.680795
0.637372
0.748148
0.685730
0.435628
0.456258
0.481805
0.524686
0.005684
0.003023
0.003391
-0.000300
0.000927
0.000342
-0.000078
-0.008332
-0.002908
-0.006639
-0.005975
-0.005385
-0.006645
-0.006688
-0.011258
-0.015861
-0.008420
-0.005119
-0.005789
0.019950
-0.014866
0.018946
0.027577
0.016404
0.012354
0.010022
0.005603
0.012504
-0.006383
-0.008651
-0.005738
-0.003744
-0.003784
-0.003031
-0.006356
0.002180
0.001202
0.005496
-0.003718
0.003705
-0.001614
-0.001137
-0.003255
-0.001414
-0.010685
-0.009435
0.230000
0.300000
0.170000
0.460000
-0.810000
0.070000
1.050000
2.500000
2.000000
2.400000
3.370000
3.550000
3.660000
3.570000
1.100000
2.100000
2.750000
2.850000
3.110000
2.750000
1.526980
1.110000
-0.130000
0.850000
1.110000
1.316497
1.352004
0.411440
1.700000
1.400000
1.980000
1.660000
1.700000
1.550000
1.160000
2.530000
3.530000
2.930000
3.660000
3.140000
3.800000
3.370000
4.500000
3.400000
4.000000
4.400000
0.103612
0.104307
0.125595
0.107247
0.464897
0.277597
0.187312
0.207487
0.156610
0.154270
0.133615
0.151270
0.154795
0.149296
0.170347
0.155870
0.134335
0.132394
0.130859
0.150848
0.153782
0.201949
0.194404
0.147107
0.126493
0.120251
0.128824
0.127638
0.132711
0.107566
0.121648
0.141266
0.149486
0.167310
0.145112
0.206610
0.332719
0.329034
0.268651
0.232054
0.211005
0.152772
0.239960
0.236660
0.185040
0.234002
0.644482
0.649201
0.582845
0.610211
0.537754
0.662671
0.725031
0.427208
0.484136
0.500301
0.593290
0.638748
0.629607
0.670135
0.692650
0.770596
0.808877
0.812523
0.896484
0.784489
0.798565
0.556790
0.643391
0.628767
0.751365
0.769944
0.727881
0.746440
0.764197
0.744018
0.790740
0.772285
0.753961
0.761771
0.768243
0.513078
0.620376
0.576916
0.726229
0.680795
0.637372
0.748148
0.419330
0.435628
0.456258
0.481805
77
Universitas Sumatera Utara
BTPN
BTPN
BTPN
BVIC
BVIC
BVIC
BVIC
BVIC
BVIC
BVIC
INPC
INPC
INPC
INPC
INPC
INPC
INPC
MAYA
MAYA
MAYA
MAYA
MAYA
MAYA
MAYA
MCOR
MCOR
MCOR
MCOR
MCOR
MCOR
MCOR
MEGA
MEGA
MEGA
MEGA
MEGA
MEGA
MEGA
NISP
NISP
NISP
NISP
NISP
NISP
NISP
PNBN
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
0.214862
0.230883
0.233054
0.227667
0.168645
0.111859
0.162138
0.179627
0.179268
0.182526
0.150257
0.138688
0.145220
0.125509
0.162985
0.157550
0.156871
0.236894
0.193654
0.226144
0.161397
0.109294
0.140690
0.104361
0.180192
0.168879
0.178420
0.122710
0.138625
0.146827
0.141489
0.160948
0.181286
0.150339
0.118592
0.168306
0.157444
0.152256
0.173681
0.183609
0.166825
0.137486
0.164868
0.192828
0.187399
0.203058
17.894574
18.059207
18.133195
15.542751
15.811437
16.148125
16.283827
16.479458
16.767977
16.877259
16.368500
16.551978
16.652428
16.769662
16.838798
16.868973
16.970524
15.522564
15.847589
16.128272
16.376699
16.658473
16.994213
17.403840
14.554904
14.844728
15.286711
15.680024
15.686581
15.884550
16.094785
17.366876
17.496474
17.758973
17.941177
17.993263
18.012347
18.014934
17.349076
17.427849
17.610434
17.907091
18.186751
18.395615
18.451435
17.980499
0.541027
0.557823
0.623762
0.448807
0.468928
0.560411
0.653994
0.628627
0.632685
0.635116
0.729799
0.684063
0.648648
0.685902
0.804522
0.775426
0.801778
0.813211
0.734181
0.666267
0.724454
0.825105
0.815998
0.790822
0.724518
0.629496
0.671209
0.722991
0.798691
0.831568
0.833532
0.633629
0.538945
0.567885
0.645143
0.507174
0.545010
0.621920
0.727651
0.652500
0.754396
0.914938
0.756678
0.759141
0.794859
0.659868
-0.007706
-0.008488
-0.009918
0.000119
-0.016214
-0.022415
0.007769
-0.000593
0.002931
-0.002093
-0.000014
0.002608
0.001408
0.005003
0.005044
0.002980
0.002323
0.006390
-0.008639
-0.006627
-0.001848
-0.005027
-0.001711
-0.000041
0.006986
0.000000
0.006153
0.002381
0.004333
0.001022
-0.000362
-0.004609
-0.006420
-0.002826
-0.004789
-0.003187
-0.005168
-0.009999
0.005297
0.006397
-0.004255
-0.004077
-0.003213
-0.003048
-0.002161
0.006967
4.700000
4.500000
3.600000
0.880000
1.100000
1.710000
2.650000
2.170000
1.970000
0.800000
0.340000
0.440000
0.760000
0.720000
0.660000
1.390000
0.780000
1.270000
0.900000
1.220000
2.070000
2.410000
2.530000
1.980000
0.250000
1.000000
1.110000
0.960000
2.040000
1.740000
0.790000
1.980000
1.770000
2.450000
2.290000
2.740000
1.140000
1.160000
1.510000
1.910000
1.290000
1.910000
1.790000
1.810000
1.790000
1.750000
0.204676
0.214862
0.230883
0.154323
0.227667
0.168645
0.111859
0.162138
0.179627
0.179268
0.123867
0.150257
0.138688
0.145220
0.125509
0.162985
0.157550
0.299529
0.236894
0.193654
0.226144
0.161397
0.109294
0.140690
0.306847
0.180192
0.168879
0.178420
0.122710
0.138625
0.146827
0.118411
0.160948
0.181286
0.150339
0.118592
0.168306
0.157444
0.161489
0.173681
0.183609
0.166825
0.137486
0.164868
0.192828
0.215845
0.524686
0.541027
0.557823
0.595007
0.448807
0.468928
0.560411
0.653994
0.628627
0.632685
0.683077
0.729799
0.684063
0.648648
0.685902
0.804522
0.775426
0.810164
0.813211
0.734181
0.666267
0.724454
0.825105
0.815998
0.443725
0.724518
0.629496
0.671209
0.722991
0.798691
0.831568
0.566677
0.633629
0.538945
0.567885
0.645143
0.507174
0.545010
0.770658
0.727651
0.652500
0.754396
0.914938
0.756678
0.759141
0.692040
78
Universitas Sumatera Utara
PNBN
PNBN
PNBN
PNBN
PNBN
PNBN
SDRA
SDRA
SDRA
SDRA
SDRA
SDRA
SDRA
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
0.217930
0.166453
0.174503
0.146665
0.153239
0.173009
0.127487
0.139625
0.196924
0.133775
0.146976
0.130729
0.217052
18.170390
18.506816
18.641856
18.818064
18.915716
18.966381
14.497167
14.692518
14.992861
15.441955
15.846459
15.923399
16.614788
0.593590
0.597521
0.666419
0.718017
0.746080
0.827901
0.779958
0.731663
0.606510
0.579171
0.591834
0.630889
0.699664
0.012923
0.011162
0.007710
0.005657
0.003282
0.002542
-0.006564
-0.002661
-0.006969
0.000911
-0.005284
-0.005190
0.004218
1.780000
1.760000
2.020000
1.960000
1.850000
1.790000
3.000000
2.410000
2.780000
2.400000
3.570000
5.140000
2.810000
0.203058
0.217930
0.166453
0.174503
0.146665
0.153239
0.127738
0.127487
0.139625
0.196924
0.133775
0.146976
0.130729
0.659868
0.593590
0.597521
0.666419
0.718017
0.746080
1.054027
0.779958
0.731663
0.606510
0.579171
0.591834
0.630889
79
Universitas Sumatera Utara
Data Hasil Olahan Populasi
No.
Kode
Bank
1.
AGRO
2.
Nama Bank
Kriteria
1
Kriteria
2
Sampel
terpilih
Bank Rakyat Indonesia Agro Niaga Tbk
✓
✓
✓
AGRS
Bank Agris Tbk
x
✓
x
3.
BABP
Bank MNC Internasional Tbk
✓
✓
✓
4.
BACA
Bank Capital Indonesia Tbk
✓
✓
✓
5.
BBCA
Bank Central Asia Tbk
✓
✓
✓
6.
BBHI
Bank Harda Internasional Tbk
x
✓
X
7.
BBKP
Bank Bukopin Tbk
✓
✓
✓
8.
BBMD
Bank Mestika Dharma Tbk
x
✓
X
9.
BBNI
Bank Negara Indonesia (Persero) Tbk
✓
✓
✓
10.
BBNP
Bank Nusantara Parahyangan Tbk
✓
✓
✓
11.
BBRI
Bank Rakyat Indonesia (Persero) Tbk
✓
✓
✓
12.
BBTN
Bank Tabungan Negara (Persero) Tbk
✓
✓
✓
13.
BBYB
Bank Yudha Bakti Tbk
x
✓
X
14.
BCIC
Bank Mutiara Tbk
✓
✓
✓
15.
BDMN
Bank Danamon Indonesia Tbk
✓
✓
✓
16.
BEKS
Bank Pundi Indonesia Tbk
✓
✓
✓
68
Universitas Sumatera Utara
17.
BINA
Bank Ina Perdana Tbk
x
✓
X
18.
BJBR
Bank Jabar Banten Tbk
x
✓
X
19.
BJTM
Bank Pembangunan Daerah Jawa Timur Tbk
x
✓
X
20.
BKSW
Bank Kesawan Tbk
✓
✓
✓
21.
BMAS
Bank Maspion Indonesia Tbk
x
✓
X
22.
BMRI
Bank Mandiri (Persero) Tbk
✓
✓
✓
23.
BNBA
Bank Bumi Arta Tbk
✓
✓
✓
24.
BNGA
Bank CIMB Niaga Tbk
✓
✓
✓
25.
BNII
Bank Internasional Indonesia Tbk
✓
✓
✓
26.
BNLI
Bank Permata Tbk
✓
✓
✓
27.
BSIM
Bank Sinar Mas Tbk
x
✓
X
28.
BSWD
Bank Swadesi Tbk
✓
✓
✓
29.
BTPN
Bank Tabungan Pensiunan Nasional Tbk
✓
✓
✓
30.
BVIC
Bank Victoria Internasional Tbk
✓
✓
✓
31.
DNAR
Bank Dinar Indonesia Tbk
x
✓
X
32.
INPC
Bank Artha Graha Internasional Tbk
✓
✓
✓
33.
MAYA
Bank Mayapada Internasional Tbk
✓
✓
✓
34.
MCOR
Bank Windu Kentjana International Tbk
✓
✓
✓
35.
MEGA
Bank Mega Tbk
✓
✓
✓
36.
NAGA
Bank Mitraniaga Tbk
x
✓
X
37.
NISP
Bank NISP OCBC Tbk
✓
✓
✓
38.
NOBU
Bank Nationalnobu Tbk
x
✓
X
69
Universitas Sumatera Utara
39.
PNBN
Bank Pan Indonesia Tbk
✓
✓
✓
40.
PNBS
Bank Pan Indonesia Syariah Tbk
x
✓
X
41.
SDRA
Bank Woori Saudara Indonesia 1906 Tbk
✓
✓
✓
Total bank yang terpilih menjadi sampel
28 bank
70
Universitas Sumatera Utara
LAMPIRAN 2
Hasil Eviews Statistik Deskriptif
Mean
Median
Maximum
Minimum
Std. Dev.
Skewness
Kurtosis
PR
0.673903
0.676002
1.164692
0.326684
0.112118
0.104116
4.353211
LLOSS
0.003912
-0.002944
1.181419
-0.052979
0.088884
12.88875
171.1243
RCWAS
0.165218
0.153251
0.503678
-0.222923
0.068095
1.023086
14.55972
RCWA
0.161986
0.153251
0.464897
-0.222923
0.060987
0.507066
17.14818
ROA
1.387073
1.725000
5.150000
-52.09000
4.515951
-9.460284
110.0630
RS
0.659966
0.660800
1.164692
0.295938
0.127761
0.212538
4.184997
SIZE
17.18703
16.98237
20.56666
14.12217
1.747816
0.105049
1.841941
Jarque-Bera
Probability
14.21527
0.000819
219387.7
0.000000
1045.089
0.000000
1525.763
0.000000
89638.52
0.000000
12.01889
0.002455
10.50474
0.005235
Sum
Sum Sq. Dev.
122.6504
2.275246
0.712026
1.429973
30.06974
0.839291
29.48142
0.673220
252.4473
3691.281
120.1138
2.954434
3128.040
552.9296
Observations
182
182
182
182
182
182
182
71
Universitas Sumatera Utara
LAMPIRAN 3
Hasil Eviews Uji Hausman Test
Dependent Variable: RCWA
Method: Panel Least Squares
Date: 02/08/16 Time: 20:25
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
ROA
SIZE
RCWAS
RES
0.218319
0.005859
-0.006955
0.333384
-0.256339
0.037609
0.000785
0.002051
0.050936
0.049231
5.805012
7.468056
-3.390405
6.545113
-5.206899
0.0000
0.0000
0.0009
0.0000
0.0000
R-squared
Adjusted R-squared
S.E. of regression
Sum squared resid
Log likelihood
F-statistic
Prob(F-statistic)
0.449302
0.436857
0.045767
0.370741
305.6128
36.10259
0.000000
Mean dependent var
S.D. dependent var
Akaike info criterion
Schwarz criterion
Hannan-Quinn criter.
Durbin-Watson stat
0.161986
0.060987
-3.303437
-3.215415
-3.267754
2.219574
72
Universitas Sumatera Utara
LAMPIRAN 4
Hasil Eviews Two Stage Least Square (2SLS) Capital Requirements
Dependent Variable: RCWA
Method: Panel Two-Stage Least Squares
Date: 02/08/16 Time: 20:27
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Instrument specification: C ROA SIZE RCWAS LLOSS RS
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
ROA
SIZE
RCWAS
PR
0.258710
0.005309
-0.006492
0.314229
-0.065924
0.048004
0.000898
0.002148
0.054392
0.045820
5.389373
5.914787
-3.021950
5.777103
-1.438755
0.0000
0.0000
0.0029
0.0000
0.1520
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.409662
0.396321
0.047385
26.19535
0.000000
6
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.161986
0.060987
0.397428
2.195824
0.422881
73
Universitas Sumatera Utara
LAMPIRAN 5
Hasil Eviews Two Stage Least Square (2SLS) Perubahan Risiko
Dependent Variable: PR
Method: Panel Two-Stage Least Squares
Date: 02/08/16 Time: 20:28
Sample: 2008 2014
Periods included: 7
Cross-sections included: 26
Total panel (balanced) observations: 182
Instrument specification: C ROA SIZE RCWAS LLOSS RS
Constant added to instrument list
Variable
Coefficient
Std. Error
t-Statistic
Prob.
C
LLOSS
SIZE
RS
RCWA
-0.199813
0.893337
0.013575
0.720011
0.998349
0.159834
0.159841
0.004976
0.071869
0.380400
-1.250132
5.588907
2.728269
10.01839
2.624470
0.2129
0.0000
0.0070
0.0000
0.0094
R-squared
Adjusted R-squared
S.E. of regression
F-statistic
Prob(F-statistic)
Instrument rank
0.253517
0.236648
0.097957
71.91417
0.000000
6
Mean dependent var
S.D. dependent var
Sum squared resid
Durbin-Watson stat
Second-Stage SSR
0.673903
0.112118
1.698432
1.844007
0.866701
74
Universitas Sumatera Utara
LAMPIRAN 6
Tabel Pengolahan Data Skripisi
Model Persamaan Simultan antara Capital Requirements dan Prilaku Risiko pada
Bank yang Terdaftar di BEI
Periode 2008-2014
Kode
Bank
AGRO
AGRO
AGRO
AGRO
AGRO
AGRO
AGRO
BABP
BABP
BABP
BABP
BABP
BABP
BABP
BACA
BACA
BACA
BACA
BACA
BACA
BACA
BBCA
BBCA
BBCA
BBCA
BBCA
BBCA
BBCA
BBKP
BBKP
BBKP
Tahun
RCWA
SIZE
PR
LLOSS
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
0.135085
0.196268
0.144200
0.163923
0.148004
0.215985
0.190620
0.117759
0.111936
0.126334
0.104706
0.112121
0.130850
0.177864
0.256239
0.446215
0.292933
0.215763
0.179969
0.201291
0.164348
0.157821
0.153263
0.135000
0.127473
0.142359
0.156594
0.168565
0.103581
0.143625
0.120581
14.764242
14.908003
14.931993
15.062875
15.211790
15.449460
15.669492
15.654134
15.762235
15.974214
15.803361
15.821548
15.915473
16.059435
14.348354
15.056543
15.296980
15.361996
15.550025
15.781122
16.040326
19.319092
19.458808
19.597547
19.760691
19.909067
20.022700
20.129826
17.300837
17.431102
17.676016
0.767823
0.633818
0.631281
0.535268
0.592339
0.761897
0.741389
0.739510
0.723608
0.705257
0.713965
0.730233
0.712887
0.712856
0.442898
0.326684
0.432653
0.595552
0.612443
0.593350
0.608909
0.538653
0.527553
0.632976
0.718157
0.696123
0.723273
0.728531
0.556916
0.442827
0.465985
-0.017040
-0.014735
0.011491
0.004582
-0.009647
-0.005697
-0.006243
-0.005082
-0.008878
-0.007737
-0.018879
-0.004501
-0.011814
0.004489
0.004412
0.001032
0.001608
0.002356
0.000069
-0.001348
-0.000079
-0.007143
-0.007941
0.001027
-0.001464
-0.001126
-0.004061
-0.004054
-0.002719
0.000072
-0.002889
ROA
0.110000
0.180000
0.670000
1.390000
1.630000
1.660000
1.530000
0.090000
0.180000
0.510000
-1.640000
0.090000
-0.930000
-0.820000
0.992973
1.420000
0.740000
0.840000
1.104113
3.800000
3.900000
3.430000
3.500000
3.800000
3.800000
3.600000
3.800000
3.900000
1.660000
1.460000
1.620000
RCWAS
RS
0.172700
0.135085
0.196268
0.144200
0.163923
0.148004
0.215985
0.118619
0.117759
0.111936
0.126334
0.104706
0.112121
0.130850
0.503678
0.256239
0.446215
0.292933
0.215763
0.179969
0.201291
0.192235
0.157821
0.153263
0.135000
0.127473
0.142359
0.156594
0.128356
0.103581
0.143625
0.833209
0.767823
0.633818
0.631281
0.535268
0.592339
0.761897
0.736130
0.739510
0.723608
0.705257
0.713965
0.730233
0.712887
0.295938
0.442898
0.326684
0.432653
0.595552
0.612443
0.593350
0.443595
0.538653
0.527553
0.632976
0.718157
0.696123
0.723273
0.439182
0.556916
0.442827
75
Universitas Sumatera Utara
BBKP
BBKP
BBKP
BBKP
BBNI
BBNI
BBNI
BBNI
BBNI
BBNI
BBNI
BBNP
BBNP
BBNP
BBNP
BBNP
BBNP
BBNP
BBRI
BBRI
BBRI
BBRI
BBRI
BBRI
BBRI
BCIC
BCIC
BCIC
BCIC
BCIC
BCIC
BCIC
BDMN
BDMN
BDMN
BDMN
BDMN
BDMN
BDMN
BEKS
BEKS
BEKS
BEKS
BEKS
BEKS
BEKS
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
0.127061
0.163394
0.151244
0.142051
0.135872
0.137660
0.186270
0.176329
0.166702
0.150939
0.162172
0.141410
0.125633
0.129378
0.134460
0.121735
0.157492
0.166030
0.131801
0.131966
0.137605
0.149555
0.169459
0.169917
0.183062
-0.222923
0.100221
0.111628
0.094097
0.100903
0.140333
0.136511
0.133721
0.175458
0.160433
0.175528
0.189006
0.178559
0.178615
0.093367
0.080226
0.394958
0.120164
0.132737
0.114279
0.100514
17.861775
18.000455
18.056228
18.185607
19.122496
19.242647
19.331277
19.516149
19.624564
19.773043
19.847574
15.122441
15.175563
15.479864
15.698427
15.921132
16.116668
16.063521
19.321155
19.574245
19.817632
19.968029
20.127856
20.255153
20.502563
15.535754
15.834558
16.193564
16.390197
16.539440
16.494893
16.355696
18.490844
18.406561
18.587944
18.773393
18.864028
19.031735
19.092137
14.215739
14.170086
14.261236
15.606109
15.854513
16.013082
16.017617
0.539519
0.542256
0.625832
0.614178
0.642518
0.616333
0.637255
0.619956
0.705492
0.746446
0.745331
0.683281
0.782527
0.782929
0.727539
0.721838
0.719802
0.762949
0.591607
0.546047
0.570010
0.595027
0.590115
0.652938
0.583801
1.164692
0.602066
0.573804
0.738659
0.685913
0.683868
0.609849
0.661733
0.644628
0.820078
0.887357
0.837571
0.842067
0.849704
0.789685
0.757392
0.484460
0.599737
0.662020
0.743281
0.779829
-0.002979
-0.002366
0.001502
-0.002249
-0.021605
-0.017806
-0.014600
-0.008094
-0.013575
-0.007003
-0.008743
0.000481
0.001027
-0.002244
-0.001501
-0.003792
-0.004303
-0.001290
-0.011743
-0.017105
-0.019492
-0.012325
-0.004839
-0.006305
-0.007135
1.181419
-0.027447
-0.027581
-0.022372
-0.000169
0.068445
0.010921
-0.017102
-0.029314
-0.018054
-0.015341
-0.016255
-0.018171
-0.020368
0.016744
0.114404
-0.052979
0.004065
-0.022467
-0.011234
-0.013597
1.870000
1.830000
1.750000
1.330000
1.100000
1.700000
2.490000
2.940000
2.920000
3.360000
3.490000
1.170000
1.020000
1.400000
1.396059
1.570000
1.580000
1.320000
4.180000
3.730000
4.640000
4.930000
5.150000
5.030000
4.740000
-52.090000
3.840000
2.530000
2.170000
0.945414
-7.635626
-5.282549
1.500000
1.500000
2.700000
2.600000
2.700000
2.500000
1.400000
-2.000000
-7.880000
-12.900000
-4.570000
0.980000
1.230000
-1.580000
0.120581
0.127061
0.163394
0.151244
0.157373
0.135872
0.137660
0.186270
0.176329
0.166702
0.150939
0.176160
0.141410
0.125633
0.129378
0.134460
0.121735
0.157492
0.166618
0.131801
0.131966
0.137605
0.149555
0.169459
0.169917
0.121981
-0.222923
0.100221
0.111628
0.094097
0.100903
0.140333
0.192665
0.133721
0.175458
0.160433
0.175528
0.189006
0.178559
0.119100
0.093367
0.080226
0.394958
0.120164
0.132737
0.114279
0.465985
0.539519
0.542256
0.625832
0.595985
0.642518
0.616333
0.637255
0.619956
0.705492
0.746446
0.478958
0.683281
0.782527
0.782929
0.727539
0.721838
0.719802
0.502527
0.591607
0.546047
0.570010
0.595027
0.590115
0.652938
0.458484
1.164692
0.602066
0.573804
0.738659
0.685913
0.683868
0.713801
0.661733
0.644628
0.820078
0.887357
0.837571
0.842067
1.025250
0.789685
0.757392
0.484460
0.599737
0.662020
0.743281
76
Universitas Sumatera Utara
BKSW
BKSW
BKSW
BKSW
BKSW
BKSW
BKSW
BMRI
BMRI
BMRI
BMRI
BMRI
BMRI
BMRI
BNGA
BNGA
BNGA
BNGA
BNGA
BNGA
BNGA
BNII
BNII
BNII
BNII
BNII
BNII
BNII
BNLI
BNLI
BNLI
BNLI
BNLI
BNLI
BNLI
BSWD
BSWD
BSWD
BSWD
BSWD
BSWD
BSWD
BTPN
BTPN
BTPN
BTPN
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
0.104307
0.125595
0.107247
0.464897
0.277597
0.187312
0.150966
0.156610
0.154270
0.133615
0.151270
0.154795
0.149296
0.166011
0.155870
0.134335
0.132394
0.130859
0.150848
0.153782
0.154104
0.194404
0.147107
0.126493
0.120251
0.128824
0.127638
0.160065
0.107566
0.121648
0.141266
0.149486
0.167310
0.145112
0.137866
0.332719
0.329034
0.268651
0.232054
0.211005
0.152772
0.144507
0.236660
0.185040
0.234002
0.204676
14.586691
14.668982
14.767136
15.094725
15.351227
16.217728
16.852338
19.697268
19.793425
19.924257
20.128862
20.270109
20.412792
20.566658
18.452156
18.489313
18.782910
18.932313
19.100806
19.203972
19.267246
17.856017
17.925823
18.134736
18.368536
18.567141
18.761051
18.780580
17.805596
17.841040
18.117051
18.433834
18.696786
18.926497
19.037756
14.122172
14.245589
14.266797
14.548084
14.747966
15.096815
15.464012
16.432721
16.918852
17.357124
17.658208
0.649201
0.582845
0.610211
0.537754
0.662671
0.725031
0.700442
0.484136
0.500301
0.593290
0.638748
0.629607
0.670135
0.602200
0.770596
0.808877
0.812523
0.896484
0.784489
0.798565
0.825547
0.643391
0.628767
0.751365
0.769944
0.727881
0.746440
0.736028
0.744018
0.790740
0.772285
0.753961
0.761771
0.768243
0.776108
0.620376
0.576916
0.726229
0.680795
0.637372
0.748148
0.685730
0.435628
0.456258
0.481805
0.524686
0.005684
0.003023
0.003391
-0.000300
0.000927
0.000342
-0.000078
-0.008332
-0.002908
-0.006639
-0.005975
-0.005385
-0.006645
-0.006688
-0.011258
-0.015861
-0.008420
-0.005119
-0.005789
0.019950
-0.014866
0.018946
0.027577
0.016404
0.012354
0.010022
0.005603
0.012504
-0.006383
-0.008651
-0.005738
-0.003744
-0.003784
-0.003031
-0.006356
0.002180
0.001202
0.005496
-0.003718
0.003705
-0.001614
-0.001137
-0.003255
-0.001414
-0.010685
-0.009435
0.230000
0.300000
0.170000
0.460000
-0.810000
0.070000
1.050000
2.500000
2.000000
2.400000
3.370000
3.550000
3.660000
3.570000
1.100000
2.100000
2.750000
2.850000
3.110000
2.750000
1.526980
1.110000
-0.130000
0.850000
1.110000
1.316497
1.352004
0.411440
1.700000
1.400000
1.980000
1.660000
1.700000
1.550000
1.160000
2.530000
3.530000
2.930000
3.660000
3.140000
3.800000
3.370000
4.500000
3.400000
4.000000
4.400000
0.103612
0.104307
0.125595
0.107247
0.464897
0.277597
0.187312
0.207487
0.156610
0.154270
0.133615
0.151270
0.154795
0.149296
0.170347
0.155870
0.134335
0.132394
0.130859
0.150848
0.153782
0.201949
0.194404
0.147107
0.126493
0.120251
0.128824
0.127638
0.132711
0.107566
0.121648
0.141266
0.149486
0.167310
0.145112
0.206610
0.332719
0.329034
0.268651
0.232054
0.211005
0.152772
0.239960
0.236660
0.185040
0.234002
0.644482
0.649201
0.582845
0.610211
0.537754
0.662671
0.725031
0.427208
0.484136
0.500301
0.593290
0.638748
0.629607
0.670135
0.692650
0.770596
0.808877
0.812523
0.896484
0.784489
0.798565
0.556790
0.643391
0.628767
0.751365
0.769944
0.727881
0.746440
0.764197
0.744018
0.790740
0.772285
0.753961
0.761771
0.768243
0.513078
0.620376
0.576916
0.726229
0.680795
0.637372
0.748148
0.419330
0.435628
0.456258
0.481805
77
Universitas Sumatera Utara
BTPN
BTPN
BTPN
BVIC
BVIC
BVIC
BVIC
BVIC
BVIC
BVIC
INPC
INPC
INPC
INPC
INPC
INPC
INPC
MAYA
MAYA
MAYA
MAYA
MAYA
MAYA
MAYA
MCOR
MCOR
MCOR
MCOR
MCOR
MCOR
MCOR
MEGA
MEGA
MEGA
MEGA
MEGA
MEGA
MEGA
NISP
NISP
NISP
NISP
NISP
NISP
NISP
PNBN
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
2009
2010
2011
2012
2013
2014
2008
0.214862
0.230883
0.233054
0.227667
0.168645
0.111859
0.162138
0.179627
0.179268
0.182526
0.150257
0.138688
0.145220
0.125509
0.162985
0.157550
0.156871
0.236894
0.193654
0.226144
0.161397
0.109294
0.140690
0.104361
0.180192
0.168879
0.178420
0.122710
0.138625
0.146827
0.141489
0.160948
0.181286
0.150339
0.118592
0.168306
0.157444
0.152256
0.173681
0.183609
0.166825
0.137486
0.164868
0.192828
0.187399
0.203058
17.894574
18.059207
18.133195
15.542751
15.811437
16.148125
16.283827
16.479458
16.767977
16.877259
16.368500
16.551978
16.652428
16.769662
16.838798
16.868973
16.970524
15.522564
15.847589
16.128272
16.376699
16.658473
16.994213
17.403840
14.554904
14.844728
15.286711
15.680024
15.686581
15.884550
16.094785
17.366876
17.496474
17.758973
17.941177
17.993263
18.012347
18.014934
17.349076
17.427849
17.610434
17.907091
18.186751
18.395615
18.451435
17.980499
0.541027
0.557823
0.623762
0.448807
0.468928
0.560411
0.653994
0.628627
0.632685
0.635116
0.729799
0.684063
0.648648
0.685902
0.804522
0.775426
0.801778
0.813211
0.734181
0.666267
0.724454
0.825105
0.815998
0.790822
0.724518
0.629496
0.671209
0.722991
0.798691
0.831568
0.833532
0.633629
0.538945
0.567885
0.645143
0.507174
0.545010
0.621920
0.727651
0.652500
0.754396
0.914938
0.756678
0.759141
0.794859
0.659868
-0.007706
-0.008488
-0.009918
0.000119
-0.016214
-0.022415
0.007769
-0.000593
0.002931
-0.002093
-0.000014
0.002608
0.001408
0.005003
0.005044
0.002980
0.002323
0.006390
-0.008639
-0.006627
-0.001848
-0.005027
-0.001711
-0.000041
0.006986
0.000000
0.006153
0.002381
0.004333
0.001022
-0.000362
-0.004609
-0.006420
-0.002826
-0.004789
-0.003187
-0.005168
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Universitas Sumatera Utara
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Universitas Sumatera Utara