Commercial banks have the main activity in raising funds and channeling funds to the public. The biggest source of funds from commercial banks is the activity of channeling credit to the public. The purpose of this research is to find out and analyze DPK, CAR, NPL and LDR on bank credit distribution (Case Study at Commercial Banks listed on the Indonesia Stock Exchange Period 2014-2018). Quantitative research approaches are used by being a cause and effect relationship between independent and dependent variables. Documentation becomes a data collection technique. The population in this study were 45 commercial banks listed on the Indonesia Stock Exchange in 2014-2018. The research sample is 27 commercial bank companies listed on the Indonesia Stock Exchange in the 2014-2018 period with a sample of 135 observations. Multiple linear regression became the model of this study. The results of this study are DPK, CAR, NPL and LDR partially and simultaneously and significantly on bank loans (Case study on commercial banks listed on the Indonesia Stock Exchange in the period 2014-2018). Keywords : third party fund, capital adequacy ratio, non performing loan and loan to deposit ratio, credit distribution
The number of refugees and asylum seekers in Indonesia continues to increase. During the process of finding a solution, many things happen in their lives that have an impact on psychology. This study focuses on the psychological well-being of refugees seeking asylum in transit countries. This study used qualitative research methods. A purposive sampling technique was conducted to determine six subjects, consisting of groups of unaccompanied adolescents, heads of families, and single mothers. Data obtained through interview and observation methods. The reason the researchers used this research technique was to dig deeper into the psychological well-being aspects of refugees seeking asylum in transit countries. The results showed that age and positive social support greatly affected the psychological well-being of the unaccompanied adolescent group and the head of the family, while the lack of social support for the single mother group subject made the subject experience low psychological well-being. Indonesian Abstract. Jumlah pengungsi dan pencari suaka di Indonesia terus meningkat. Selama proses penemuan solusi, banyak hal terjadi dalam hidup mereka yang berdampak pada dampak psikologis. Penelitian ini berfokus pada kesejahteraan psikologis pengungsi pencari suaka di negara transit. Penelitian ini menggunakan metode penelitian kualitatif. Teknik purposive sampling dilakukan untuk menentukan enam subjek, yang terdiri dari kelompok remaja tanpa pendamping, kepala keluarga, dan ibu tunggal. Data diperoleh melalui metode wawancara dan observasi. Alasan peneliti menggunakan teknik penelitian ini adalah untuk menggali lebih dalam aspek kesejahteraan psikologis pengungsi pencari suaka di negara transit. Hasil penelitian menunjukkan bahwa usia dan dukungan sosial yang positif sangat mempengaruhi kesejahteraan psikologis subjek kelompok remaja tanpa pendamping dan kepala keluarga, sedangkan kurangnya dukungan sosial pada subjek kelompok single mother membuat subjek mengalami kesejahteraan psikologis. rendah.
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