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As for formulation problems in the research is any influence of utilization of active in credit channeling special and simultaneous concerning capital adequacy at PT. Bank of not Sumatra Branch of Iskandar Muda Medan. In the study used techniques of data collection studies, that documentation related to the problem or research data, as a number of customers credits, financial statements, and others, while the data analysis techniques used multiple regression analysis methods. Based on the results of the analysis can be concluded that test hypothesis with t-test is known for assets value utilization variable to arithmetic 1,843ttabel2.042 then Ho accepted, and Ha rejected and can be concluded that asset utilization variable does not influence significantly to capital adequacy. In addition, based on testing the hypothesis with F test is known to value of F arithmetic of 16,433 and the value of F table is 4,42 and the results indicate that F arithmetic > F table, that means together with the variable credit distribution and utilization of assets in this study have a significant effect on capital adequacy. In addition, testing the coefficient of determination by using the summary, model is known to the effect of the free variables (credit distribution and asset utilization) to the dependent t variable (capital adequacy) is 0,499 (49,9%) while the remaining 50,1% is influenced by other variables not examined in the study.

The Influence of the Credit Channeling and Utilization of Assets against the Adequacy of Capital at PT. Bank Branch North Sumatra Medan Iskandar Muda