PENGARUH LOAN TO DEPOSIT RATIO DAN KREDIT YANG DISALURKAN TERHADAP NON PERFORMING LOAN DI MASA PANDEMI COVID-19 (Studi Kasus Perbankan Yang Terdaftar Di Bursa Efek Indonesia)

       The purpose of this research is to see the effect of Loan to Deposit Ratio and Loans Disbursed on NPLs during the Covid-19 pandemic, in which in 2020 many businesses have stopped due to this outbreak and that will certainly become problem loans for debtors who obligations to banks. The research method used the classical assumption of normality test, multicollinearity test, autocorrelation test, and heteroscedicity test. Regression analysis used is multiple regression analysis, with sampling using purposive sampling method. The results showed no symptoms of multicollinearity, autocorrelation and heteroscedasticity, and were normally distributed. LDR has a significant and negative effect as well as simultaneously on NPL, while credit disbursed has a significant and negative and simultaneous effect on NPL