The problem on this research was the number of internal and external factors of the bank that affect lending to commercial banks.This research aimed to analyze the effect of partial Non Performing Loans (NPL), Capital Eduquecy Ratio (CAR), Return On Assets (ROA) and BI Rate on lending to commercial banks, and analyze the influence of Non Performing Loan (NPL) variables, Capital Eduquecy Ratio (CAR), Return On Assets (ROA) and BI Rate simultaneously to lending to commercial banks.
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