Capital Adequacy Ratio (CAR) is a capital ratio that indicates the ability of banks to provide funds for business

development purposes and to accommodate the risk of loss of funds caused by the bank's operations Non-performing loans (NPL) is the ratio used to measure the ability of banks to cover the risk of failure of repayment by the debtor. third party funds are funds in the form of deposits from the public Credit is the provision of money or bills equivalent, based on an agreement between a lending bank and another party that requires the borrower to pay off debts after a certain period with interest inflation is a situation where the price of goods has increased continuously

Break Even Point or BEP is an analysis to determine and find the amount of goods or services to be sold to consumers at a certain price to cover the costs incurred and the benefit / profit