DETERMINAN PENYALURAN KREDIT PADA BANK UMUM DI DAERAH ISTIMEWA YOGYAKARTA TAHUN 2017-2019

Banks are financial institutions that have an important role in the country's economy as a bank intermediary institution that has a function to channel funds. This study aims to examine the effect of several variables, namely Gross Regional Domestic Product (GRDP), inflation, Third Party Funds (DPK) and Statutory Reserves (GWM) on credit distribution at DIY Commercial Banks in 2017-2019. This study uses secondary data obtained from the Central Statistics Agency and Bank Indonesia in 2017-2019. This research uses multiple linear regression method with ordinary least squares method (OLS), in this test using SPSS software and descriptive discussion. Based on the results of the research above, it shows that the Gross Regional Domestic Product (GRDP), inflation, Third Party Funds (DPK) have a positive and significant effect on lending at DIY commercial banks. Meanwhile, the Statutory Reserves (GWM) has a negative and insignificant effect on lending at DIY commercial banks.