The purpose of this study is to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), inflation, and the BI rate. The sample selection in this study was carried out by purposive sampling technique, obtaining a sample of 44 companies with 132 observations. The data analysis techniques used in this study were descriptive statistics, classical assumption tests, and multiple regression analysis. The results of the analysis show that partially Third Party Funds (DPK) have a positive effect on lending, Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL) and inflation have a negative effect on lending, while the BI rate has no effect on lending.