This study aims to investigate is diversification of credit has an effect in credit risk level of Indonesian commercial banks. The sample used is commercial bank registered in Financial Service Authority (OJK) from 2014 to 2020. The study finds that credit diversification does not affect the level of credit risk of commercial banks. The result of this study are empirical evidence for companies that even though company take an action (diversification) or not, it will not affect the level of bank credit risk.
