Causality of Credit Distribution in Indonesian Banking

This study aims to examine the effect of third-party funds, Capital Adequacy Ratio (CAR), return on assets (ROA), Operating Expenses Income (BOPO), and NPL (Non-Performing Loans) Credit Distribution commercial banks listed Stock Exchange. Indonesian Securities for period 2018-2021. The type research used in this is associative research. Associative know relationship between two or more variables. Thus, Dabat builds a theory that functions predict control phenomenon. researcher explains whether TPF, CAR, ROA, BOPO, NPL, study. population banking sector companies Indonesia Exchange, as many 42 banks. sample selection method purposive sampling. So total sampled 120 samples. data were analyzed using multiple linear regression analysis with Ordinary Least Square model Eviews Version 12 software. results found Third Party Funds (DPK), Return Assets (ROA) had positive significant Exchange (IDX). Meanwhile, (BOPO) have negative