Tujuan penelitian ini yaitu untuk menganalisis apakah Return On Assets, Capital Adequacy Ratio, Loan to Deposit Ratio, dan Non Performing Loan berpengaruh terhadap Jumlah Penyaluran Kredit. Jenis penelitian ini merupakan penelitian kuantitatif. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan tahunan bank. Populasi dalam penelitian ini adalah seluruh bank umum konvensional yang terdaftar di Bursa Efek Indonesia pada periode 2014-2016 yang berjumlah 41 bank. Teknik pengambilan sampel menggunakan metode purposive sampling. Sampel yang diperoleh yaitu sebanyak 31 bank. Teknik analisis data pada penelitian ini menggunakan analisis statistik deskriptif dan uji asumsi klasik. Uji asumsi klasik yang dilakukan meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas, dan uji autokorelasi. Pengujian hipotesis dilakukan dengan analisis regresi linier berganda, yang terdiri dari Uji-t dan Uji-F, dan Uji Koefisien Determinasi. Pengolahan data menggunakan SPSS 18. Hasil penelitian membuktikan bahwa variabel ROA, CAR, LDR, dan NPL memiliki pengaruh secara simultan terhadap Jumlah Penyaluran Kredit pada bank umum konvensional yang terdaftar di BEI periode 2014-2016. Secara parsial variabel ROA, variabel LDR, dan variabel NPL berpengaruh positif terhadap Jumlah Penyaluran Kredit pada bank. Secara parsial variabel CAR berpengaruh negatif terhadap Jumlah Penyaluran Kredit pada bank. Hasil uji Koefisien Determinasi menunjukkan bahwa sebesar 66,5% variabel dependen yaitu Jumlah Penyaluran Kredit dapat dipengaruhi oleh keempat variabel independen yaitu ROA, CAR, LDR, dan NPL, sedangkan sisanya sebesar 33,5% dipengaruhi oleh variabel lain diluar penelitian ini. Kata Kunci: Return On Assets (ROA), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), dan Jumlah Penyaluran Kredit

The purpose of this study is to analyze whether the Return On Assets, Capital Adequacy Ratio, Loan to Deposit Ratio, and Non Performing Loans affect the Total Loan Distribution. This type of research is quantitative research. The type of data used is secondary data in the form of bank annual financial statements. The population in this study were all conventional commercial banks listed on the Indonesia Stock Exchange in the 2014-2016 period totaling 41 banks. The sampling technique uses purposive sampling method. The samples obtained were 31 banks. Data analysis techniques in this study used descriptive statistical analysis and classical assumption tests. The classical assumption test includes normality test, multicolinearity test, heteroscedasticity test, and autocorrelation test. Hypothesis testing is done by multiple linear regression analysis, which consists of T-Test and F-Test, and Determination Coefficient Test. Data processing using SPSS 18. The results of the study prove that the variables ROA, CAR, LDR, and NPL have a simultaneous effect on the amount of lending at conventional commercial banks listed on the IDX for the period 2014-2016. Partially, the ROA variable, the LDR variable, and the NPL variable have a positive effect on the amount of loan disbursement to the bank. Partially, the CAR variable has a negative effect on the amount of loan disbursement to the bank. The Determination Coefficient test results show that 66.5% of the dependent variable, namely the Number of Credit Channels, can be influenced by the four independent variables, namely ROA, CAR, LDR, and NPL, while the remaining 33.5% is influenced by other variables outside this research. Keywords: Return On Assets (ROA), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), and Number of Distribution of Credit

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