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ABSTRAK Non Performing Financing (NPF) merupakan merupakan rasio yang di gunakan untuk mengukur tingkat risiko pembiayaan di Bank Syariah. Penelitian ini dilakukan untuk mengetahui pengaruh dari variabel spesifik yaitu LLP, FG, BOPO, dan ROA di Bank Indonesia selama kurun waktu penelitian (2011-2016). Jumlah sampel pada penelitian ini sebanyak 12 bank Syariah dengan menggunakan teknik puposive sampling. Penelitian ini menggunakan analisis regresi data panel, dengan beberapa pemilihan model uji chow, uji hausman, uji lagrange multiplier, dan uji hipotesis dengan menggunakan T-test untuk menguji koefisien regresi secara parsial serta F-test untuk menguji pengaruh secara bersama-sam dengan tingkat signifikan 5%. Hasil yang diperoleh pada penelitian ini yaitu Loan Loss Provision (LLP), Financing Growth (FG), Biaya Operasional (BOPO), mempunyai pengaruh positif dan signifikan terhadap NPF. Sedangkan Return On Asset (ROA) berpengaruh positif dan tidak signifikan terhadap NPF. Namun secara bersama-sama variabel independen berpengaruh terhadap NPF Bank Syariah di Indonesia. Kata kunci: LLP, FG, BOPO, ROA, NPF ABSTRACT Non Performing Financing (NPF) is a ratio used to measure the level of risk of financing in a Sharia Bank. This research was conducted to determine the effect of specific variables namely LLP, FG, BOPO, and ROA at Bank Indonesia during the study period (2011-2016). The number of samples in this study were 12 Islamic banks using purposive sampling techniques. This study uses panel data regression analysis, with some chow test model selection, hausman test, lagrange multiplier test, and hypothesis testing using a T-test to test the regression coefficients partially and the F-test to test the effect together at a significant level 5%. The results obtained in this study are Loan Loss Provision (LLP), Financing Growth (FG), Operational Costs (BOPO), have a positive and significant effect on NPF. While the Return on Assets (ROA) has a positive and not significant effect on NPF. But together the independent variables have an effect on NPF Islamic Banks in Indonesia. Keywords: LLP, FG, BOPO, ROA, NPF

Pengaruh Loan Loss Provision, Financing Growth, Biaya Operasional dan Return on Asset Terhadap Non Performing Financing di Perbankan Syariah Indonesia