Essentially, the bank is financial institution which has the function to raise funds from thecommunity in the form of deposits, and the channel it back to the community in the form of creditor other. Credits is the main activities performed by Bank Perkreditan Rakyat, because it will bemakes a profit. However, the presenting credits will also provide a lot of risks that must bereceived or experienced by the BPR, because the risks that will be received or experienced aresourced to credit. Therefore, this researh is purpose to analys the effect of DPK, NPL, and ROA,on parcial althought simultan in contribute BPR credits. This researh conducted is quantitativeapproach use data panel regression method, and the data obtained are secondary data.According to the results of regression, the variables DPK and ROA have a significant influenceon credit distribution. While, the NPL variable doesn’t have a significant influence on creditdistribution.

Penelitian ini membahas tentang Pengaruh Dimensi Service Quality (Tangible, Reliability, Assurance, Responsiveness dan Emphaty) Pada Customer Service Bank BCA KCU Darmo Surabaya Terhadap Persepsi Nasabah Tahun 2019. Adakah pengaruh dimensi SERVQUAL pada Customer Service bank BCA KCU Darmo Surabaya terhadap persepsi nasabah. Data yang digunakan dalam penelitian ini diperoleh dari hasil kuesioner yang telah dibagikan kepada nasabah bank BCA KCU Darmo Surabaya. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif. Probability sampling adalah teknik pengambilan sampel yang memberikan peluang yang sama bagi setiap unsur (anggota) populasi untuk dipilih menjadi sampel dalam penelitian ini. Jenis probability sampling yang digunakan dalam pengambilan sampel pada penelitian ini adalah simple random sampling. Karena didalam penelitian ini tidak membedakan gender, ras, status sosial, pekerjaan dan lain sebagainya. Variabel yang digunakan dalam penelitian ini adalah persepsi nasabah sebagai variabel dependen (Y) dan Service Quality sebagai variabel independen (X). Kemudian, dimensi SERVQUAL yang terdiri dari (tangibles) (X1), (reliability) (X2), (assurance) (X3), (responsiveness) (X4), dan (emphaty) (X5). Hasil dari penelitian ini diperoleh bahwa dimensi SERVQUAL yang terdiri dari Tangible, Reliability, Assurance, Responsiveness dan Emphaty pada Customer Service bank BCA KCU Darmo Surabaya mempunyai pengaruh yang signifikan terhadap persepsi nasabah. Dan faktor yang paling dominan adalah variabel emphaty.

Indonesia is a country that includes emerging markets and focused on the manufacturing sector. In the manufacturing sector will require funds on production activities, and these funds can be obtained from the credit. Meanwhile in Indonesia, many credit activity conducted by commercial banks, which is closely linked to the credit of bad credit. Bad credit can occur due to 2 factors, factors debtor or creditor factors. The meaning of this factor is negligence bank creditors in the debtor's credit analysis. But for manufacturing companies go public, they can raise funds in addition to the credit of the fund shares, many people who say that companies going public is a healthy company because it has passed various tests. Seeing this, the researchers would like to examine the statement and credit analysis test using the Z-Score models Atlman on manufacturing companies going public in Indonesia. The findings of this study indicate that the Z-Score Atlman models can be used for credit analysis in determining whether or not a company bankrupt.

Globalization makes technology and information more developing. Along the development of the technology and information, business environment is being dynamic and can change so fast. In the banking sektor, to face dynamic business environment, the Bank needs to evaluation and correction the performance of the company so that the bank can survive in competition. Strategy bank to stay survive is merge, merger or acquisition.Indonesia in 2000-2011 there was 19 cases of merge. This study will be researched the bank's financial performance before and after the merger / acquisition and will be measured using CAMELS ratio. And to know the bank's financial performance, the CAMELS ratio will tested using Paired Samples Test. Result of study show that that after merger on  = 5% only LDR which have significant differences, but the other ratios no significant differences in financial performance of banks. So there is no positive improvement in the financial performance of the bank in Indonesia after merger/acquisition.