The role of BI rate in moderating the effect of NPL, NIM, ROA, on bank credit distribution: Study on banking companies listed on the LQ45 index from 2020 to 2024

The purpose of this study to analyze the effect of Non Performing Loans (NPL), Net Interest Margin (NIM) and Return on Asset (ROA) on credit distribution, with the BI Rate serving as a moderating variabel. The population in this study includes all banking companies listed in the LQ45 index for the 2020-2024 period. This research was conducted by taking secondary data including financial reports, annual reports, and banking statistical data. The data analysis method used is panel data regression