INTERNAL AND EXTERNAL FACTOR ANALYSIS FOR DETERMINANT OF CREDIT MARKET IN INDONESIA BANKING INDUSTRY

This study aims to determine of credit markets and the banking deposits in Indonesia. The effectiveness of the performance of the national banking industry can be seen from its ability to mobilize and develop funds from and to the public. The higher level of effectivenes management of the national banking system will develop in supporting the national economy system.. The study design is causality-explanatory. Data used is secondary data. Cross section and time – time series data The. Analysis of data using multiple regression panel that generates a model as a representation of teori.Sampel taken by using purposive sampling method and was selected as the bank 97 for sampel. The result of the research shows that the distribution of credit volume was influenced by internal factors are represented by the spread, the loan to deposit ratio Total equity to total assets, fee-based income and return on equity). while the external factors that influence the Industrial Production Index.