Safitri, N. N., & Hikmawan , M. A. . (2026). The role of BI rate in moderating the effect of NPL, NIM, ROA, on bank credit distribution: Study on banking companies listed on the LQ45 index from 2020 to 2024. Priviet Social Sciences Journal, 6(3), 445–458. https://doi.org/10.55942/pssj.v6i3.1577