ANALISIS VARIABEL DPK, CAR, NPL, LDR & ROA TERHADAP PENYALURAN KREDIT (PADA BANK DEVISA DI INDONESIA PERIODE TAHUN 2013-2015)

The credit distribution creates opportunity to complete investment, distribution.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), Loan to Deposit Ratio (LDR) and Return On Asset. (ROA). This research uses Exchange Bank and research object, upon the research period of year 20013 - 2015. Based upon the research, there is a result that the Third Party Fund (DPK) influences positively and significantly. Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) positively and insignificantly toward. Loan To Deposit Ratio (LDR) influences positively and significantly. Return On Asset (ROA) negatively and insignificantly toward the banking credit distribution. Key Words : The banking credit distribution, DPK, CAR, NPL, LDR & RO