Pengaruh CAR ( Capital Adequacy Ratio ), NPL (Non Performing Loan ), ROA (Return On Asset ), Dan BOPO ( Biaya Operasional Pendapatan Operasional ) Terhadap Penyaluran Kredit Pada Bank Umum Yang Terdaftar Di Otoritas Jasa Keuangan Periode 2016-2021

The banking industry is a crucial component of nation's economic growth. Banking also performs the function an intermediary institution, collecting monies from community and redistributing them in form credit. Internal considerations that must be taken into account while channeling credit include those related to capital (proxied by CAR), koliektibilitas NPL), profitability ROA), measuring efficiency ( proxied BOPO). research intends examine relationship between listed on Indonesia Stock Exchange Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Return On Assets (ROA), Operational Efficiency (BOPO). subjects this study were financial institutions registered with OJK 2016 2021. sample consisted 86 institutions. Multiple linear regression analysis method used research. Based completed, it was determined ratio CAR ROA has considerable favorable impact distribution significantly impacted negatively NPL percentage. While unaffected BOPO ratio. 
 Keywords : Ratio, Non Performing Loan, Assets, Credit Distribution