Analisis Pengaruh Faktor Mikro dan Makro terhadap Penyaluran Kredit pada Bank Swasta Umum Devisa Nasional Periode 2006-2011

During the period 2006-2011, banks in Indonesia, particularly the National Private Bank, has experienced a period of financial crisis and the aftermath of the financial crisis. Where the impact of the global financial crisis that helped determine the development of a national bank credit, in addition to financial factors the bank itself. It is known that the global financial crisis that hit Indonesia's banking sector and world financial crisis triggered by the emergence of the subprime mortgage crisis in the United States began in 2007. As a result, among other things, the banking sector credit expansion began braking, especially on long-term projects, foreign currency loans and consumer loans (Kompas, 2008). The purpose of this study was to analyze the influence of micro factors (DPK, Liquidity, Capital Ratio, BOPO, ROA) and macro factors (inflation, GDP, Exchange Rate) for credit in the Private Bank National Commercial Foreign Exchange. The results showed that DPK significant influence and positively related to credit, while liquidity is also affected significantly but negatively associated with lending on Public Private Foreign Exchange National Bank. So as to be able to increase lending, the bank should seek to increase thirdparty funds while still maintaining liquidity in order to function optimally in intermediary role