This study seeks to examine the main factors, external and internal to the bank, that enhance bank lending. Bank lending is one of the connecting bridges in sustaining society. Internal factors consist of ROA, DPK, and CAR. External factors are economic growth and interest rate of Bank Indonesia. The population of this research consists of traditional commercial banks listed on the IDX over the 2014-2017 period. Samples were chosen by purposive sampling method. This study uses secondary data with 56 samples; data analysis uses multiple linear regression. The findings of the study show that internal factors have a greater impact on increasing bank lending than external factors. The main variable among internal factors that influences increase in bank lending is ROA. DPK is the internal factor with the smallest impact on increasing bank lending. The implication of the study is that determining the bank lending should take more account of CAR, DPK, ROA, BI interest rates, and economic growth in making decisions about the amount of lending. These variables can only have a slight effect on increasing lending, though. Besides, internal factors such as NPL, LDR or non-economic factors also need to be considered in channeling bank credit.

Abstract
1. Introduction
2. Literature Review
    2.1. Capital Adequacy Ratio (CAR)
    2.2. Third-Party Funds (DPK)
    2.3. Return On Assets (ROA)
    2.4. Bank Indonesia Interest Rate
    2.5. Economic Growth (EG)
    2.6. Financing of Bank (Lending)
    2.7. Hypothesis Development
3. Research Methods and Materials
4. Results and Discussion
5. Conclusions
References

• Dian PRAWITASARI(Management Department, Faculty of Economic and Business, University of Dian Nuswantoro)
• Ana KADARNINGSIH(Management Department, Faculty of Economic and Business, University of Dian Nuswantoro)
• Zaky MACHMUDDAH(Accounting Department, Faculty of Economic and Business, University of Dian Nuswantoro) Corresponding Author
• Maaz UD-DIN(Department of Management Sciences, University of Swabi KP-Pakistan)