CREDIT DISTRIBUTION: NON PERFORMING LOAN AND BI RATE, MEDIATED LOAN TO DEPOSIT RATIO (LDR): PENYALURAN KREDIT : KREDIT MACET DAN BI RATE, DIMEDIASI LOAN TO DEPOSIT RATIO (LDR). j. financia. 2022;3(2):22-33. doi:10.51977/financia.v3i2.798