Variables

1

2

3

GPM

ROA

ROE

Constant

0.074

−0.072

0.081

Log affordability

0.084

0.143

0.181

(0.813)

(1.401)

(1.754)

Log timeliness

0.084

0.076

(0.011)

(0.787)

(0.725)

(0.104)

Log adequacy

0.025

0.069

(0.053

(0.236)

(0.662)

(0.499)

R

0.152^a

0.224^a

0.167^a

R-Square

0.023

0.05

0.028

Adjusted R-square

(0.003)

0.025

0.002

F-Value

0.874

1.962

1.066

DF

3

3

3

Sig. F change

0.457

0.124

0.366

Durbin Watson

2.069

1.805

1.861