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This study aims to examine the effect of economic growth, inflation and the BI Rate on the LDR (Loan to Deposit Ratio) in Indonesia. The author uses LDR as the dependent variable and includes the variables of economic growth, inflation, BI Rate, net interest income, and operating costs on operating income as independent variables. In this case, the method of writing multiple linear regression uses the OLS and ECM models for the 2016-2020 period. The results of the study show that: (i) thedoi:10.26905/jrei.v3i1.8007 fatcat:7qqpfsg6hndijn2ryuzil634wi