<![CDATA[This study aims to examine the influence of internal and external factors on the development of credit distribution in commercial banks during the period 2014–2023. Economic uncertainty and banking financial performance that potentially affect credit distribution have received relatively limited attention, particularly in the context of Business Group 4 Commercial Banks (BUKU 4) in Indonesia. This study employs panel data regression using the Random Effect Model (REM) approach. The results indicate that Third-Party Funds (DPK) and the Loan to Deposit Ratio (LDR) have a positive and significant effect on credit distribution, while the Capital Adequacy Ratio (CAR) and the BI Rate do not show a significant impact. These findings suggest that effective liquidity management and the optimization of third-party fund mobilization are key factors in supporting the expansion of bank credit distribution.]]>
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