ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT PADA BANK-BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2011-2015

The purpose of this study is to determine the effect by the independent variables of this study, is third-party funds (DPK), operating expenses to operating income (BOPO), Non-Performing Loan (NPL), and gross domestic product (PDB) to loans as a variable dependent. Analysis tool of this research is doubled linear regression using data panel type where data time series as the year 2011-2015 and data cross section as 10 commercial banks in Indonesia stock exchange. Regression result obtained that variable third-party funds (DPK) have a positive significant effect on loans. Operating expenses to operating income (BOPO) has a negative not significant effect on loans. Non performing loan (NPL) has a negative not significant effect on loans. Gross domestic product (PDB) has a positive significant impact on loans. Coefficient of determination (R2) amount 0.998360 or 99%. That ability of independent variables third-party funds (DPK) (X1), operating expenses to operating income (BOPO) (X2), non performing loan (NPL) (X3), and gross domestic bruto (PDB) (X4). In explaining the dependent variable of lending is equal to 0.998360 or 99%. While the rest 1% explained by other variables outside the model. The suggestion in this research is for the company can be more optimal in doing credit distribution. And minimize the value of the ratio operating expenses to operating income (BOPO), non performing loan (NPL)