The Effects of Third Party Funds, Interest Rates, Bank Capital, and Non-Performing Loan towards Credit Distribution on Commercial Banks in Indonesia period 2012 - 2018

This research aims to examine the effect of Third Party Funds (TPF), Interest Rates (IR), Bank Capital, and Non-Performing Loan (NPL) towards Credit Distribution on commercial banks in Indonesia with period 2012 - 2018. This research using 84 monthly data of commercial banks in Indonesia period 2012 - 2018. This research uses the Error Correction Model (ECM) analysis and E-views 10 analysis tools. The result of the research shows that in the long term, Third Party Funds, Interest Rates, Bank Capital, and Non-Performing Loan affects Credit Distribution. In the short term, Third Party Funds and Non-Performing Loan affect Credit Distribution. Meanwhile, Bank Capital and Interest Rates have no effect on Credit Distribution on commercial banks in Indonesia. Simultaneously on the long term and short term all variables (Third Party Funds, Interest Rates, Bank Capital, and Non-Performing Loan) have an effect on Credit Distribution on conventional commercial banks in Indonesia period 2012 - 2018.