the purpose of this research is to know the effect of loan to deposit ratio (LDR), non performing loan (NPL), return on asset (ROA) and return on equity (ROE) to credit of working capital for period 2012-2014. This research is done at banking companies listed in Indonesian Stock Exchange for period 2012-2014,. The data used in this research are 31 banking companies from 37 companies during 2012…