IKE YULIA RACHMAWATI, 040911052 (2014) PENGARUH NON PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), DAN RETURN ON ASSET (ROA) TERHADAP PENYALURAN KREDIT BANK UMUM DI INDONESIA PERIODE 2004-2011. Skripsi thesis, UNIVERSITAS AIRLANGGA.