PENGARUH LDR, CAR, NPL, BOPO, ROA, DAN DPK TERHADAP KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) DI KABUPATEN MAGETAN: PERIODE PENGAMATAN Tahun 2008-2014

This research is motivated by the phenomenon of rural banks lending in Magetan indicated by an increase in LDR. Therefore, it is necessary to test factors that affect the Credit BPR, which include LDR, CAR, NPLs, ROA, ROA, and DPK. This study uses a 5 RBs in Magetan registered in Bank Indonesia as one unit of the object, with a study period of January 2008-April 2014 (76 months). Least Square method is used to analyze the data with the help of software Eviews version 8. Based on the research results that LDR, CAR, NPLs, ROA, ROA, and DPK effect together against Credit BPR by 98.72%. Partial effect of the credit BPR LDR of 0.2%, the effect of NPL to loans BPR by 1.080%, the effect of the credit BPR DPK amounted to-2.07%. While the CAR, ROA and ROA no partial effect on BPR Credit. To improve credit, BPR must perform optimally fund raising, optimizing the usability of financial resources (capital) owned, and have a good credit management in order NPL remain in low levels and within the limits required by Bank Indonesia.