PENGARUH DANA PIHAK KETIGA, CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, DAN RETURN ON ASSETS TERHADAP PENYALURAN KREDIT PADA BANK UMUM YANG TERDAFTAR DI BEI TAHUN 2015-2022

The purpose of this study was to determine the effect of third party funds, capital adequacy ratio, non-performing loans, and return on assets on lending to commercial banks listed on the IDX in 2015-2022. This study uses a tool in the form of computer software program IBM SPSS Statistics 20. The findings from the results of this study are that the Third Party Funds variable partially has a significant effect on Credit Distribution, the Capital Adequacy Ratio variable partially does not have a significant effect on Credit Distribution, Non-Performing Loans variable partially has a significant effect on Credit Distribution and Return On Assets variable partially has no significant effect on Credit Distribution. Variable Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, and Return On Assets simultaneously have a significant effect on Credit Distribution.