The Effect of Credit Circulation, Loan to Deposit Ratio (LDR), and Interest Rate on Return On Assets (ROA) Due to Non-Performing Loan (NPL) on Credit Unions in Indonesia

<em>Credit Unions or commonly known as CUs are quite developed in Indonesia, especially on the island of Kalimantan. One Credit Cooperative Centers that house Primary CU Indonesia has service areas 34 Provinces namely Union Center (PUSKOPCUINA). The under auspices PUSKOPCUINA movement grown very well and become a reference for terms development empowerment. CU's contribution is still not significant boosting national economic growth, so more comprehensive research needed. inseparable from Return On Assets (ROA) contained CU. Kalimantan credit union which different regional cultural characteristics. This what researchers see necessary to Effect Outstanding Credit, Loan Deposit Ratio (LDR), Interest Rates Due Default (NPL) at Indonesia. objective was test formulate solutions problems arising influence due Non-Performing Loans. method used quantitative with Path Analysis data processing. population sample 40 PUSKOPCUINA. outstanding data, ratio, non-performing loans, loan interest rates, return assets 2015-2019 model analyze panel called analyzed using Analysis. results study showed rates had effect Indonesia.</em>