), capital adequacy ratio(X3) and non performing loan (X4).This research use associative method. Data pooling use in this … table(0.875 < 1,999 dan 0,585 < 1,999) with signification 0,385 dan 0,561 that is small than 0,05. Capital adequacy ratio …, return on asset, capital adequacy ratio, and non performing loan have simultaneous influence to credit gift. …