ABSTRACT
Bank is the financial institution possessing function as the financial intermediary. Bank accepts the money savings from the society and then redistributes them upon the credit. The credit distribution creates opportunity to complete investment, distribution, and also the consumption of good and service, considering that the entire activities are related to the money usage. The research background is the existence of phenomenon of the non-optimized banking credit distribution. It is shown with loan to deposit ratio (LDR) that is still upon the expectation of Bank Indonesia. Thus, it needs to have testing of factors that influence the policy of banking credit distribution, including Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and the interest of Bank Indonesia Certificate (SBI).
Bank is the financial institution possessing function as the financial intermediary. Bank accepts the money savings from the society and then redistributes them upon the credit. The credit distribution creates opportunity to complete investment, distribution, and also the consumption of good and service, considering that the entire activities are related to the money usage. The research background is the existence of phenomenon of the non-optimized banking credit distribution. It is shown with loan to deposit ratio (LDR) that is still upon the expectation of Bank Indonesia. Thus, it needs to have testing of factors that influence the policy of banking credit distribution, including Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and the interest of Bank Indonesia Certificate (SBI).
