PENGARUH DANA PIHAK KETIGA, NON PERFORMING LOAN, DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP PENYALURAN KREDIT PADA PERBANKAN KONVENSIONAL PERIODE 2012-2014

ABSTRACT Melanie. The Effect of Deposit Third Parties, Non Performing Loan, and Operating Expenses to Operating Income to Bank Credit Distribution of Commercial Bank Period 2012-2014. Faculty of Economics State University of Jakarta. 2016 The purpose of this research is to know the effect of deposit third parties, non performing loan, and operating expenses to operating income to bank credit distribution of commercial banks period 2012-2014. The sampling technique using purposive sampling method. The number of samples in this research is 26 commercial banks listed in Indonesia Stock Exchange (BEI). Data analysis technique that used in this research is panel data regression analysis with fixed effect model approach. The results of partial test showed that: a) Deposit third parties have a positive and significant effect on bank credit distribution of commercial banks. b) non performing loan have a negative and not significant effect on bank credit distribution of commercial banks. c) operating expenses to operating income have a negative and not significant effect on bank credit distribution of commercial banks. Kata kunci: Bank Credit Distribution, Deposit Third Parties, Non Performing Loan, and Operating Expenses to Operating Income