The Effects of Non-Performing Loans (NPL), Return on Assets (ROA), Capital Adequacy Ratio (CAR) and BI Rate on Credit Distribution to Commercial Banks Listed on the Indonesian Stock Exchange for the 2019-2021 Period

Abstract

This research aims to determine the effect of the Non Performing Loan (NPL) variable on credit distribution, knowing the influence of the Return on Assets (ROA) variable on credit distribution, knowing the influence of the Capital Adequency Ratio (CAR) variable on credit distribution, knowing the influence of the BI Rate variable on credit distribution, and knowing the influence of the NPL, ROA, CAR and BI Rate variables on credit distribution credit at Commercial Banks listed on the Indonesia Stock Exchange in 2019-2021. The companies used as samples are 25 companies listed on the Indonesia Stock Exchange in 2019-2021. The data analysis technique uses multiple regression analysis. The results of the analysis show that Non Performing Loans (NPL) have a positive and insignificant effect on credit distribution. Return on Assets (ROA) has a positive and significant effect on credit distribution. Capital Education Ratio (CAR) has a negative and insignificant effect on credit distribution. The BI Rate has a negative and insignificant effect on credit distribution.