Purpose:This study aimed to analyze the effect of CAR, NPL, and LDR on credit growth in the 8 (eight) Regional Development Bank in Indonesia, especially in Java, Bali & NTT in the period 2011-2015. Design/methodology/approach: The samples used were taken using census method which includes the entire population.. Findings: Partial test result indicate that CAR is negative and significant effect on credit growth as well as a significantly positive effect on earning growth. NPL ratio partially no significant effect on credit growth but significant effect on earning growth. Research limitations/implications: LDR no significant effect on credit growth but significantly and positively affect profit growth while existing credit growth is able to mediate the perpetually perfect (perfect mediation) between CAR, NPL and LDR on regional development bank profit growth in Java, Bali and NTT in the period 2011 to 2015. Practical implications: 2. The financial ratios assessed from the CAR, NPL and LDR before involving intervening variables of credit growth significantly affected the increase in profit at Regional Development Banks in Java, Bali and NTT as evidenced by simultaneous test results with P-value of F or significance of 0.019

Tujuan penelitian ini adalah menguji dan menganalisis faktor-faktor yang mempengaruhi kredit bermasalah pada bank devisa di Indonesia. Penelitian ini menggunakan rasio NPL sebagai variabel. Variabel independen terdiri dari CAR, LDR, NIM, BOPO, bunga dan inflasi. Data penelitian merupakan data sekunder. Populasi penelitian ini adalah seluruh bank devisa konvensional dan sampel sebanyak 33 bank. Data sekunder diperoleh dari laporan keuangan bank. Teknik analisis data penelitian adalah regresi data panel. Hasil penelitian membuktikan bahwa CAR, LDR, NIM, BOPO, Bunga dan Inflasi secara simultan memiliki pengaruh yang signifikan terhadap NPL pada bank devisa di Indonesia. Terdapat 3 variabel yang memberikan pengaruh negatif tidak signifikan terhadap NPL yaitu CAR, LDR dan BOPO. Hasil positif tidak signifikan terhadap NPL diperoleh dari variabel NIM. Variabel bunga memiliki pengaruh positif signifikan pada NPL, sedangkan variabel inflasi memiliki pengaruh negatif signifikan pada bank devisa di Indonesia.