@thesis{thesis,
		author={Sakinah  Firdaus Indah},
		title ={Determinasi Penyaluran Kredit Pada Bank Umum Swasta Nasional Devisa Negara Indonesia},
		year={2024},
		url={http://eprints.perbanas.ac.id/12137/},
		abstract={This research was conducted with the aim of analying the effect of credit 
distribution with the independent variables Non Performing Loan, Capital 
Adequacy Ratio, Loan To Deposit Ratio, Basic Credit Interest Rate, and 
Operational Costs on Operational Income. The population of this research is the 
Indonesian State Foreign Exghange National Private Commercial Bank with 14 
samples registered with the Financial Services Authority during 2018 - 2022. this 
research uses purposive sampling with descriptive statistical data analysis 
technuques, classical assumption testing, hypothesis testing, and multiple linear 
regression analysis. The statistical data analysis technique uses SPSS Version 26 
software. The research results are that the variables NPL, LDR, BCIR have no 
effect on credit distribution with a significance of > 0,05. The CAR and OCOI 
variable influences credit distribution with a significance of < 0,05.
KEYWORDS : Non Performing Loan, Capital Adequacy Ratio, Loan To Deposit 
Ratio, Basic Credit Interest Rate, Operational Costs on 
Operational Income}
		}