Lampiran 1 : Pemilihan Bank Melalui Kriteria Berdasarkan Purposive Sampling

Lampiran 1 : Pemilihan Bank Melalui Kriteria Berdasarkan Purposive Sampling No Nama Bank Kriteria 1 Kriteria 2 Yang memenuhi kriteria 1 dan 2 1 PT. BPD Aceh 2 PT. BPD Bali 3 PT. BPD Bengkulu - - 4 PT. Bank DKI 5 PT. BPD Jambi 6 PT. BPD Jawa Tengah 7 PT. BPD Jawa Barat dan Banten, Tbk 8 PT. BPD Jawa Timur, Tbk 9 PT. BPD Kalimantan Tengah - - 10 PD.BPD Kalimantan Timur 11 PT. BPD Kalimantan Barat 12 PT. BPD Kalimantan Selatan 13 PT. BPD Lampung - - 14 PT. BPD Maluku - - 15 PT. BPD Nusa Tenggara Barat 16 PT. BPD Nusa Tenggara Timur - - 17 PT. BPD Papua - - 18 PT. BPD Riau Kepri 19 PT. BPD Sulawesi Tengah - - 20 PT. BPD Sulawesi Tenggara - - 21 PT. BPD Sulawesi Utara - - 22 PT. BPD Sulawesi Selatan dan Sulawesi Barat - - 23 PT. BPD Sumatera Barat 24 PT. BPD Sumatera Selatan dan Bangka Belitung 25 PT. BPD Sumatera Utara 26 PT. BPD Yogyakarta

Lampiran 2: Hasil olahan data populasi, Tabel Input Data No. Tahun Nama Bank AG CAR IS K OP PDRB TA 1 2007 PT. BPD Aceh 1.05 26.31 5.02 27 21.47-2.36 13.05 2 2007 PT. BPD Bali 13.69 18.7 3.16 24 0.76 5.91 13.14 3 2007 PT. Bank DKI 11.38 15.09 5.67 12 19.63 6.44 13.07 4 2007 PT. BPD Jambi 7.02 35.73 6.53 11.19 11.19 6.82 12.19 5 2007 PT. BPD Jawa Tengah 7.59 18.94 8.91 63 5.42 5.59 13.09 6 2007 PT. BPD Jawa Barat dan Banten, Tbk 8.25 16.81 5.26 57 3 6.39 13.36 7 2007 PT. BPD Jawa Timur 11.05 34.45 6.51 35 29 6.1 13.19 8 2007 PD.BPD Kalimantan Timur 14 27.14 4.38 20 11 1.84 13.15 9 2007 PT. BPD Kalimantan Selatan 8.29 21.29 5.76 32 4-5.67 12.53 10 2007 PT. BPD Kalimantan Barat 9.35 21.89 7.23 41 4 6.03 12.51 11 2007 PT. BPD Nusa Tenggara Barat 5.37 16.09 9.43 75 2 4.9 12.28 12 2007 PT. BPD Riau Kepri -8.3 31.81 4.07 24 0 4.42 13.11 13 2007 PT. BPD Sumatera Barat 17.38 20.39 7.18 63 0.07 6.34 12.81 14 2007 PT. BPD Yogyakarta 22.75 16.42 6.99 44 0.46 4.31 12.48 15 2007 PT. BPD Sumatera Utara 14.09 21.1 7.44 99 0.64 6.9 12.94 16 2008 PT. BPD Aceh 16.72 26.57 6.19 35 17.98-5.27 13.11 17 2008 PT. BPD Bali -56.15 15.18 8.65 76 1.73 5.97 12.78 18 2008 PT. Bank DKI 13.55 17.21 4.96 12 25.81 6.22 13.13 19 2008 PT. BPD Jambi -1.04 18.61 9.09 4.69 4.69 7.17 12.19 20 2008 PT. BPD Jawa Tengah 8.33 18.49 9.7 73 5.14 5.45 13.12 21 2008 PT. BPD Jawa Barat dan Banten, Tbk 13 15.06 7.01 63 3 5.82 13.42 22 2008 PT. BPD Jawa Timur 16.29 25.54 7.95 46 25 5.94 13.21 23 2008 PD.BPD Kalimantan Timur 15.03 25.13 5.38 30 9 4.79 13.18 24 2008 PT. BPD Kalimantan Selatan 9.44 16.49 6,998 48 5 1.26 12.57 25 2008 PT. BPD Kalimantan Barat 23.59 18.9 8.2 51 2 5.41 12.6 26 2008 PT. BPD Nusa Tenggara Barat -2.51 14.22 11.92 89 2 2.63 12.27 27 2008 PT. BPD Riau Kepri 7.24 24.03 5.18 37 0-1.65 13.12 28 2008 PT. BPD Sumatera Barat 6.36 18.31 8.29 73 0.7 6.36 12.83 29 2008 PT. BPD Yogyakarta -12.03 18.97 9.84 59 1.5 5.01 12.44 30 2008 PT. BPD Sumatera Utara 0.88 16.55 10.38 73 1.38 6.39 12.95

31 2009 PT. BPD Aceh 5.07 22.94 6.54 47 17.14-5.58 13.14 32 2009 PT. BPD Bali 6.65 13.75 8.78 84 1.56 5.33 12.82 33 2009 PT. Bank DKI 15.34 15.13 5.23 13 17.57 5.01 13.19 34 2009 PT. BPD Jambi 13.54 29.98 9 65 2.05 6.37 12.24 35 2009 PT. BPD Jawa Tengah 11.7 20.67 1.07 71 1.84 4.7 13.17 36 2009 PT. BPD Jawa Barat dan Banten, Tbk 32.46 21.2 6.48 60 2 4.37 13.51 37 2009 PT. BPD Jawa Timur 17.45 21.38 7.96 58 11 5.01 13.24 38 2009 PD.BPD Kalimantan Timur -11.43 22.03 6.79 55 11 2.32 13.12 39 2009 PT. BPD Kalimantan Selatan 11.1 16.09 7.41 59 4 5.01 12.61 40 2009 PT. BPD Kalimantan Barat 22.28 17.86 8.6 63 2 4.76 12.69 41 2009 PT. BPD Nusa Tenggara Barat 18.24 15.61 11.07 75 2 8.98 12.35 42 2009 PT. BPD Riau Kepri -21.95 22.29 7.09 64 3 1.09 13.01 43 2009 PT. BPD Sumatera Barat 19.5 17.08 7.64 73 0.7 4.16 12.96 44 2009 PT. BPD Yogyakarta 26.29 18.64 8.22 56 1.7 4.38 12.54 45 2009 PT. BPD Sumatera Utara 21.32 12.28 9.93 76 1.08 5.07 13.03 46 2010 PT. BPD Aceh -10.84 18.38 6.36 67 3.01 215.52 13.09 47 2010 PT. BPD Bali 9.08 12.79 6.66 69 1.13 257.44 12.96 48 2010 PT. Bank DKI 15.56 8.34 5.17 27 3.58 189.5 13.19 49 2010 PT. BPD Jambi 26.08 22.22 10.79 60 2.43 456.89 12.34 50 2010 PT. BPD Jawa Tengah 27.31 17.23 6.88 62 1.43 254.74 13.27 51 2010 PT. BPD Jawa Barat dan Banten, Tbk 33.86 22.85 6.07 54 0 375.89 13.64 52 2010 PT. BPD Jawa Timur 19.97 19.47 9.98 65 2 97.66 13.3 53 2010 PD.BPD Kalimantan Timur 13.96 18.58 7.32 63 3.03 53.45 13.18 54 2010 PT. BPD Kalimantan Selatan 11.91 18.09 8.59 63 0.85 197.32 12.66 55 2010 PT. BPD Kalimantan Barat 19.79 17.53 8.611 67 1.33 110.12 12.77 56 2010 PT. BPD Nusa Tenggara Barat 24.58 14.18 11.38 71 1.76 282.98 12.44 57 2010 PT. BPD Riau Kepri 26 26.67 7.94 56 5.65 278.49 13.11 58 2010 PT. BPD Sumatera Barat 26.65 14.13 8.08 69 3.5 187.99 10.03 59 2010 PT. BPD Yogyakarta 19.45 15.31 7.26 54 0.8 222.57 12.62 60 2010 PT. BPD Sumatera Utara 19.18 13.06 8.86 74 2.95 196.78 13.11 61 2011 PT. BPD Aceh 13.05 18.27 7.02 70 3.19 3.27 13.12 62 2011 PT. BPD Bali 10.49 11.73 8.74 69 0.97 6.66 13.02

63 2011 PT. Bank DKI 19.5 9.57 4.74 25 1.79 6.73 13.29 64 2011 PT. BPD Jambi 39.8 23.47 7.06 52 2.68 7.86 12.49 65 2011 PT. BPD Jawa Tengah 22.17 15.02 5.79 59 1.17 5.3 13.36 66 2011 PT. BPD Jawa Barat dan Banten, Tbk 25.33 18.36 5.62 53 0 6.62 13.74 67 2011 PT. BPD Jawa Timur 24.85 16.53 8.02 64 3 6.44 13.39 68 2011 PD.BPD Kalimantan Timur 52.45 18.37 5.17 48 7 6.47 13.36 69 2011 PT. BPD Kalimantan Selatan 40.81 17.65 5.43 55 1 6.97 12.81 70 2011 PT. BPD Kalimantan Barat 21.42 17.74 7.09 67 1 5.5 12.85 71 2011 PT. BPD Nusa Tenggara Barat 25.63 12.89 9.06 76 2-3.9 12.54 72 2011 PT. BPD Riau Kepri 31.46 20.62 6.04 51 3 5.88 13.23 73 2011 PT. BPD Sumatera Barat 25.1 12.6 7.12 71 0.9 6.34 13.11 74 2011 PT. BPD Yogyakarta 15.26 13.07 6.3 61 0.71 5.21 12.68 75 2011 PT. BPD Sumatera Utara 48.48 14.66 5.97 62 15.89 6.66 13.28 76 2012 PT. BPD Aceh 13.49 17.82 6.35 71 3.4 3.85 13.13 77 2012 PT. BPD Bali 12.53 16.79 9.56 67 0.82 6.96 13.1 78 2012 PT. Bank DKI 26.62 12.30 4.54 21 50.67 6.53 13.43 79 2012 PT. BPD Jambi 18.62 24.41 6.09 61 1.3 7.03 12.56 80 2012 PT. BPD Jawa Tengah 15.23 14.38 6.75 68 1.02 5.34 13.42 81 2012 PT. BPD Jawa Barat dan Banten, Tbk 30.11 18.11 5.16 54 3 6.57 13.85 82 2012 PT. BPD Jawa Timur 29.11 26.56 6.73 64 3 6.64 13.46 83 2012 PD.BPD Kalimantan Timur 38.05 20.83 6.13 45 7 5.48 13.5 84 2012 PT. BPD Kalimantan Selatan 46.86 18.22 3.92 49 1 5.97 12.98 85 2012 PT. BPD Kalimantan Barat 17.79 16.87 8.39 71 1 5.91 12.92 86 2012 PT. BPD Nusa Tenggara Barat 18.71 12.92 9.74 73 1-1.54 12.61 87 2012 PT. BPD Riau Kepri 16.83 19.56 5.34 51 4 4.63 13.29 88 2012 PT. BPD Sumatera Barat 11.44 15.12 6.35 76 0.9 6.31 13.16 89 2012 PT. BPD Yogyakarta 16.7 14.40 6.99 60 5.1 5.37 12.75 90 2012 PT. BPD Sumatera Utara 5.35 13.24 7.73 75 3.7 6.45 13.3 91 2013 PT. BPD Aceh 15.25 17.56 5.6 66.87 2.42 2.83 13.18 92 2013 PT. BPD Bali 14.37 18.71 6.98 71 0.09 6.69 13 93 2013 PT. Bank DKI 30.75 14.21 5.41 21 2.81 6.11 13.49 94 2013 PT. BPD Jambi 16.58 28.1 7.35 73 7.03 7.07 12.63

95 2013 PT. BPD Jawa Tengah 15.9 15.45 6.86 70 0.88 5.14 13.49 96 2013 PT. BPD Jawa Barat dan Banten, Tbk 16.56 16.51 6.74 69 5 6.52 12.85 97 2013 PT. BPD Jawa Timur 33.05 23.72 7.48 67 4 6.08 13.52 98 2013 PD.BPD Kalimantan Timur -13.51 19.03 8.95 67 2.09-6.66 13.44 99 2013 PT. BPD Kalimantan Selatan 0.05 17.92 5.73 65 1.79 5.35 12.98 100 2013 PT. BPD Kalimantan Barat 14.87 16.99 8.76 73 0.8 6.04 12.98 101 2013 PT. BPD Nusa Tenggara Barat 4.88 17.21 9.6 76 2.49 5.15 12.64 102 2013 PT. BPD Riau Kepri -1.92 18.68 6.72 61 5.31 3.63 13.29 103 2013 PT. BPD Sumatera Barat 12.99 15.59 5.87 75 0.5 6.02 13.21 104 2013 PT. BPD Yogyakarta 16.27 15.69 6.61 63 3.2 5.49 12.81 105 2013 PT. BPD Sumatera Utara 7.66 14.46 8.43 77 1.8 6.08 13.33 106 2014 PT. BPD Aceh 16.37 17.79 5.95 67.87 2.4 1.65 13.21 107 2014 PT. BPD Bali 18.27 20.71 6.2 69 0.73 6.72 13.26 108 2014 PT. Bank DKI 36.44 17.96 5.35 21 2.38 5.95 13.22 109 2014 PT. BPD Jambi 35.16 27.11 5.79 64 12.6 7.76 12.76 110 2014 PT. BPD Jawa Tengah 15.61 14.17 6.02 73 1.11 5.42 13.55 111 2014 PT. BPD Jawa Barat dan Banten, Tbk 6.87 16.39 5.88 71 2 20.96 13.88 112 2014 PT. BPD Jawa Timur 37.99 22.17 7.58 69 4 5.85 13.58 113 2014 PD.BPD Kalimantan Timur 6.59 18.06 4.44 60.98 3 1.4 13.47 114 2014 PT. BPD Kalimantan Selatan 14.26 21.12 6.22 65 3 4.85 13.03 115 2014 PT. BPD Kalimantan Barat 16.33 19.21 8.12 73 2 5.02 13.05 116 2014 PT. BPD Nusa Tenggara Barat 34.45 19.34 7.97 70 3 5.05 12.76 117 2014 PT. BPD Riau Kepri 17.44 18.27 5.94 58 6 3.67 13.36 118 2014 PT. BPD Sumatera Barat 10.95 15.76 5.61 75 1.3 5.85 13.26 119 2014 PT. BPD Yogyakarta 19.89 16.6 7.02 66 3.77 5.18 12.89 120 2014 PT. BPD Sumatera Utara 8.81 14.38 7.25 74 0.86 5.23 13.37

Lampiran 3 : Statistik Deskriptif Variabel Penelitian AG CAR IS K OP PDRB TA Mean 15.70150 18.56775 7.056667 64.92917 4.437186 32.41158 13.00308 Median 15.58500 17.94000 6.985000 66.96000 2.315000 5.910000 13.11000 Maximum 52.45000 35.73000 11.92000 150.4200 50.67000 456.8900 13.88000 Minimum -56.15000 8.340000 1.070000 20.73000 0.000000-6.660000 10.03000 Std. Dev. 14.06181 4.712511 1.762982 17.06511 6.795292 81.26389 0.455655 Skewness -1.001540 1.087348 0.127090 0.605639 3.856941 3.114602-2.395127 Kurtosis 8.260301 4.774570 3.604264 7.700772 21.86238 12.47811 16.43190 Jarque-Bera 158.4155 39.39199 2.148708 117.8223 2076.467 643.1875 1016.813 Probability 0.000000 0.000000 0.341518 0.000000 0.000000 0.000000 0.000000 Sum 1884.180 2228.130 846.8000 7791.500 532.4623 3889.390 1560.370 Sum Sq. Dev. 23530.40 2642.724 369.8647 34654.93 5494.943 785854.6 24.70696 Observations 120 120 120 120 120 120 120

Lampiran 4: Hasil Olahan Data Eviews, Hasil Uji Chow dan Uji Hausman pada Hipotesis 1 1. Uji Chow dengan variable CAR Redundant Fixed Effects Tests Equation: Untitled Test cross-section fixed effects Effects Test Statistic d.f. Prob. Cross-section F 1.376952 (14,101) 0.1783 Cross-section Chi-square 20.961560 14 0.1026 Cross-section fixed effects test equation: Dependent Variable: TA Method: Panel Least Squares Date: 03/25/16 Time: 22:07 Sample: 2007 2014 Periods included: 8 Cross-sections included: 15 Total panel (balanced) observations: 120 Variable Coefficient Std. Error t-statistic Prob. C 13.90346 0.252461 55.07176 0.0000 CAR -0.008820 0.008249-1.069168 0.2872 IS -0.104534 0.022974-4.550183 0.0000 AG 0.001128 0.002806 0.402157 0.6883 PDRB -0.000514 0.000488-1.053583 0.2943 R-squared 0.187753 Mean dependent var 13.00308 Adjusted R-squared 0.159501 S.D. dependent var 0.455655 S.E. of regression 0.417739 Akaike info criterion 1.132853 Sum squared resid 20.06815 Schwarz criterion 1.248998 Log likelihood -62.97116 Hannan-Quinn criter. 1.180020 F-statistic 6.645642 Durbin-Watson stat 1.824167 Prob(F-statistic) 0.000076

Lampiran 4: Hasil Olahan Data Eviews, Hasil Uji Chow dan Uji Hausman pada Hipotesis 2 1. Uji Chow dengan variable CAR Redundant Fixed Effects Tests Equation: Untitled Test cross-section fixed effects Effects Test Statistic d.f. Prob. Cross-section F 2.279227 (14,101) 0.0095 Cross-section Chi-square 32.945459 14 0.0029 Cross-section fixed effects test equation: Dependent Variable: K Method: Panel Least Squares Date: 03/25/16 Time: 22:34 Sample: 2007 2014 Periods included: 8 Cross-sections included: 15 Total panel (balanced) observations: 120 Variable Coefficient Std. Error t-statistic Prob. C 48.18586 7.920688 6.083544 0.0000 CAR -1.115230 0.258802-4.309196 0.0000 IS 4.627794 0.720772 6.420611 0.0000 AG 0.254709 0.088025 2.893590 0.0046 PDRB 0.024513 0.015315 1.600618 0.1122 R-squared 0.429993 Mean dependent var 64.92917 Adjusted R-squared 0.410166 S.D. dependent var 17.06511 S.E. of regression 13.10611 Akaike info criterion 8.024808 Sum squared resid 19753.57 Schwarz criterion 8.140954 Log likelihood -476.4885 Hannan-Quinn criter. 8.071975 F-statistic 21.68794 Durbin-Watson stat 1.664906 Prob(F-statistic) 0.000000

2. Uji Hausman dengan variable CAR Correlated Random Effects - Hausman Test Equation: Untitled Test cross-section random effects Test Summary Chi-Sq. Statistic Chi-Sq. d.f. Prob. Cross-section random 5.158528 4 0.2714 Cross-section random effects test comparisons: Variable Fixed Random Var(Diff.) Prob. CAR -0.850827-0.989009 0.008425 0.1322 IS 4.616296 4.658540 0.047731 0.8467 AG 0.280637 0.270089 0.001659 0.7957 PDRB 0.013820 0.021149 0.000172 0.5761 Cross-section random effects test equation: Dependent Variable: K Method: Panel Least Squares Date: 03/25/16 Time: 22:37 Sample: 2007 2014 Periods included: 8 Cross-sections included: 15 Total panel (balanced) observations: 120 Variable Coefficient Std. Error t-statistic Prob. C 43.29709 7.839204 5.523149 0.0000 CAR -0.850827 0.270875-3.141039 0.0022 IS 4.616296 0.728814 6.333985 0.0000 AG 0.280637 0.097939 2.865427 0.0051 PDRB 0.013820 0.021300 0.648845 0.5179 Effects Specification Cross-section fixed (dummy variables) R-squared 0.566841 Mean dependent var 64.92917 Adjusted R-squared 0.489645 S.D. dependent var 17.06511 S.E. of regression 12.19117 Akaike info criterion 7.983596 Sum squared resid 15011.08 Schwarz criterion 8.424949 Log likelihood -460.0158 Hannan-Quinn criter. 8.162831 F-statistic 7.342830 Durbin-Watson stat 2.182445 Prob(F-statistic) 0.000000

Lampiran 4: Hasil Olahan Data Eviews, Hasil Uji Chow dan Uji Hausman pada Hipotesis 3 1. Uji Chow dengan variable CAR Redundant Fixed Effects Tests Equation: Untitled Test cross-section fixed effects Effects Test Statistic d.f. Prob. Cross-section F 1.805851 (14,101) 0.0476 Cross-section Chi-square 26.807557 14 0.0204 Cross-section fixed effects test equation: Dependent Variable: OP Method: Panel Least Squares Date: 03/25/16 Time: 23:01 Sample: 2007 2014 Periods included: 8 Cross-sections included: 15 Total panel (balanced) observations: 120 Variable Coefficient Std. Error t-statistic Prob. C 3.991261 4.060801 0.982875 0.3277 CAR 0.306732 0.132683 2.311759 0.0226 IS -0.713451 0.369527-1.930714 0.0560 AG 0.008932 0.045129 0.197925 0.8435 PDRB -0.006644 0.007852-0.846160 0.3992 R-squared 0.102292 Mean dependent var 4.576917 Adjusted R-squared 0.071067 S.D. dependent var 6.971569 S.E. of regression 6.719279 Akaike info criterion 6.688612 Sum squared resid 5192.101 Schwarz criterion 6.804758 Log likelihood -396.3167 Hannan-Quinn criter. 6.735780 F-statistic 3.276004 Durbin-Watson stat 2.271355 Prob(F-statistic) 0.013899

2. Uji Hausman dengan variable CAR Correlated Random Effects - Hausman Test Equation: Untitled Test cross-section random effects Test Summary Chi-Sq. Statistic Chi-Sq. d.f. Prob. Cross-section random 6.712375 4 0.1519 Cross-section random effects test comparisons: Variable Fixed Random Var(Diff.) Prob. CAR 0.208986 0.283009 0.003008 0.1771 IS -0.545743-0.664411 0.016565 0.3565 AG 0.080364 0.028411 0.000582 0.0313 PDRB -0.001192-0.006108 0.000056 0.5126 Cross-section random effects test equation: Dependent Variable: OP Method: Panel Least Squares Date: 03/25/16 Time: 23:02 Sample: 2007 2014 Periods included: 8 Cross-sections included: 15 Total panel (balanced) observations: 120 Variable Coefficient Std. Error t-statistic Prob. C 3.324434 4.123136 0.806288 0.4220 CAR 0.208986 0.142470 1.466879 0.1455 IS -0.545743 0.383330-1.423692 0.1576 AG 0.080364 0.051512 1.560086 0.1219 PDRB -0.001192 0.011203-0.106390 0.9155 Effects Specification Cross-section fixed (dummy variables) R-squared 0.282015 Mean dependent var 4.576917 Adjusted R-squared 0.154057 S.D. dependent var 6.971569 S.E. of regression 6.412111 Akaike info criterion 6.698549 Sum squared resid 4152.631 Schwarz criterion 7.139902 Log likelihood -382.9130 Hannan-Quinn criter. 6.877785 F-statistic 2.203971 Durbin-Watson stat 2.713167 Prob(F-statistic) 0.007059