Pengaruh tingkat suku bunga simpanan, spread intermediasi, pendapatan selain dari aktivitas pemberian kredit, dan struktur dana bank terhadap tingkat intermediasi yang diukur dengan loan to deposit ratio ldr bank umum konvensional di Indonesia. = The effect of deposit rate intermediation spread income except from lending activities and bank deposit structure to the bank intermediation level measured by loan to deposit ratio ldr of conventional commercial bank in Indonesia