Domestic And External Factors In The Determination Of Bank Credit To Micro Sm…

ABSTRACT The objective of this research is to analyze the influence of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Micro Small Medium Enterprise (MSME) Gross Output, and Interest Rates on MSME Credit Distribution in Indonesia. The research employs an Autoregressive Distributed Lag (ARDL) model using quarterly data from 2013Q1 to 2024Q2 using EViews 13 Software. MSME Credit Distri…