The purpose of this research is to investigate the impact of financial ratios and macroeconomic variables on MSME loans in the banking sector in Indonesia. In this research, the financial ratio variables are the capital adequacy ratio (CAR), non-performing loan (NPL), operating costs per operating income (BOPO). The macroeconomic variable is the gross domestic product. The research sample is banking in Indonesia listed on the Indonesia Stock Exchange (IDX) in 2017-2019, namely 48 companies. The sample selection in this research was done by purposive sampling. Based on the criteria, 16 companies were obtained as samples. The analytical technique used in this research is multiple regression analysis. The results of this research indicate that CAR has a positive effect on MSME loans, NPL has a negative effect on MSME loans, BOPO has a negative effect on MSME loans and GDP has a positive effect on MSME loans.