Abstract

The study aims to analyze influence of Capital Adequacy Ratio (CAR), Third Party Fund (DPK), and Operating Expenses to Operational Income (BOPO) to Loan to Deposit Ratio (LDR) as a Credit Distribution Proxy. Population in this study is Government Bank Maluku and North Maluku with 20 samples(quarterly) for 5 year period 2011-2015.The method used in this research is descriptive analysis anf multiple regression analysis These result indicates that the independent variables CAR, insignificant influence; LDR and BOPO are positive and significances influences to LDR. Based to R 2 test showed that the ability to explain the independent variable on the dependent variable LDR amounted to 51,9 % while remaining 48.1 % is influences by other variables outside the independent variable used in this study Keyword: CAR, DPK, BOPO => LDR

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