One of the bank's financial ratios that can determine the bank's performance and the soundness of the syaria bank is the ratio of Non Performing Financing (NPF) or problem financing. Non Performing Financing (NPF) may reflect financing risks. The higher Non Performing Financing (NPF) indicates the quality of the financing is not good. This study aims to determine the effect of Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) and Total Assets to Non Performing Financing (NPF).The method used in this research is descriptive method with quantitative approach. In this study the population is a sharia bank in Indonesia with sampling techniques using purposive sampling. Based on these techniques obtained 8 Islamic banks with a vulnerable time of 6 years, namely the year 2011-2016. Analyzer used in this research is multiple regression analysis. Based on the results of the study, Capital Adequacy Ratio (CAR) has a negative effect on Non Performing Financing (NPF), Financing To Deposit Ratio (FDR) has a positive effect on Non Performing Financing (NPF), Total Asset negatively affect Non Performing Financing (NPF)
Salah satu rasio keuangan bank yang dapat menentukan kinerja bank dan tingkat kesehatan bank syariah adalah rasio Non Performing Financing (NPF) atau pembiayaan bermasalah. Non Performing Financing (NPF) dapat mencerminkan risiko pembiayaan. Semakin tinggi Non Performing Financing (NPF) menunjukan kualitas pembiayaan yang tidak baik. Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR) dan Total Asset terhadap Non Performing Financing (NPF).Metode yang digunakan dalam penelitian ini adalah metode deskriptif dengan pendekatankuantitatif. Dalam penelitian ini yang menjadi populasi adalah bank umum syariah di Indonesia dengan teknik pengambilan sampel menggunakan purposive sampling. Berdasarkan teknik tersebut diperoleh 8 bank umum syariah dengan rentan waktu 6 tahun yaitu tahun 2011-2016. Alat analisis yang digunakan dalam penelitian adalah analisis regresi berganda. Berdasarkan hasil penelitian, Capital Adequacy Ratio (CAR) berpengaruh negatif terhadap Non Performing Financing (NPF), Financing To Deposit Ratio (FDR) berpengaruh positif terhadap Non Performing Financing (NPF), Total Asset berpengaruh negatif terhadap Non Performing Financing (NPF).