This study aimed to analyze the effect of Internal Condition bank of the Strategy Lending, analyze the influence of the Feasibility Debtor of the Strategy Lending, analyze the influence of external conditions the banks of the Strategy Lending, analyze the impact of Internal Condition bank to NPL, analyze the influence of the Feasibility Debtor to NPL, analyze the influence external conditions banks against NPL, analyze the impact of the NPL lending strategy, to analyze the influence of internal conditions banks against NPL through the provision of credit strategy, analyze the impact of the Borrower Eligibility to NPL through the provision of credit strategy, analyze the influence of external conditions on the NPL through bank lending strategy. The sample in this study as many as 37 RBs.The analysis showed bawha Internal Condition banks positively affects Lending Strategy. Feasibility Debtor positively affects Lending Strategy. External conditions banks positively affects Lending Strategy. Internal conditions negatively impact bank Debtor bank to NPL.Kelayakan negative effect on the NPL. Bank external conditions negatively affect the NPL. Lending Strategy negative effect on the NPL. Credit granting strategy mediating influence on NPL.Strategi Internal Condition bank lending Borrower Eligibility mediating influence on the NPL. Strategies lending bank mediates the influence of external conditions on the NPL through the provision of credit strategy.