Abstract
Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. 
 The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution.
 Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY
Highlights
In a country's economy, especially Indonesia today, financial institutions have many functions that are so important and strategic
The secondary data were in the form of third-party funds, Non-performing loans (NPL), credit distribution and profitability using Return On Assets (ROA)
ROA's commercial bank was at minimum of 0.08% and an average value of 2.51%
Summary
In a country's economy, especially Indonesia today, financial institutions have many functions that are so important and strategic. A bank is considered as the largest financial institution that is able to collect funds from third parties and distribute them to the people who need them so that they can provide great benefits to the community. The funds from the community are called Third-Party Funds and are distributed back to the people who need funds in the form of credit. Credit plays a very important role in economic development, in its implementation, funds from the public are not distributed optimally by banks, so it is not in accordance with the stipulated provisions. Third-Party Funds or deposits are funds that have been collected from the community in the form of savings, deposits and current accounts and are the main sources of bank funds. The International Journal of Economics, Business and Accounting Research (IJEBAR) Page 40
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