Pengaruh Motivasi Terhadap Minat Akuntan Pendidik Dalam Menempuh Pendidikan Gelar Certified Management Accountant (Cma) Pada Perguruan Tinggi Di Surabaya

Bank is one of the financial institution having a major role in the middle of a financial institution as financial intermediary between surplus unit and the deficit unit. One of the efforts of bank is credit. The source of fund from public and this should be distributed to people in form of credit.The number of samples in this study are 26 commercial banks Go Public Bank form Indonesia Stock Exchange uses purposive sampling method. This research aims to analyze influence of variables Third Party Fund, Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, and Bank Indonesia Rate on Credit Distribution. The technique analysis use SPSS software version 22 with analysis descriptive statistic, classic asumption, and multiple regression linear. Hypothesis testing using F-test dan t-test.Based on the result of analysis shows independent variables Third Party Fund, Capital Adequacy Ratio and Loan to Deposit Ratio have significant impact on Credit, while Non Performing Loan and BI Rate are insignificant influence to Credit. The value of adjusted R square is 0,995 and it means independent variables can explain the dependent variables as much as 99,5%, while the remaining amount of 0,5% is influenced by other factors which not included in the model. Keywords: Third Party Fund, Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Bank Indonesia Rate, and Credit