Abstract

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)

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