<![CDATA[This study evaluates the impact of Third-Party Funds (TPF), Non-Performing Loans (NPL), interest rates, and inflation on credit distribution in Danantara Indonesia Banking from 2015 to 2024. The study employs a quantitative approach using panel data regression. The data were obtained from secondary sources, including the annual reports of Bank BRI, BNI, Mandiri, BTN, and BSI, as well as publications from Bank Indonesia. The results show that Third-Party Funds and interest rates have positive and significant effects on credit distribution. Inflation has a negative and significant effect, while Non-Performing Loans have a negative but insignificant effect. Overall, the selected banking and macroeconomic variables substantially explain variations in credit distribution. These findings indicate that funding capacity and interest rate conditions play important roles in determining credit distribution, while inflation may constrain lending activity. The results highlight the importance of strengthening funding capacity and maintaining appropriate interest rates to support sustainable credit distribution in the banking sector.]]>
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