Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO), Financing to Deposit Ratio (FDR) dan Good Corporate Governance Terhadap pembiayaan bermasalah atau Non Performing Financing (NPF) Periode tahun 2014-2018. Penelitian ini bersifat asosiatif kausal dengan populasi penelitian adalah Bank Umum Syariah periode 2014-2018. Penentuan sampel menggunakan metode purposive sampling dan terdapat 13 perusahaan yang memenuhi kriteria sebagai sampel penelitian. Teknik analisis data yang digunakan adalah Regresi Linier Berganda menggunakan program SPSS Statistic 20. Hasil pengujian ini menunjukkan bahwa Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Non Performing Financing (NPF), Beban Operasional Pendapatan Operasional (BOPO) tidak berpengaruh signifikan terhadap Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) tidak berpengaruh signifikan terhadap Non Performing Financing (NPF) dan Good Corporate Governance tidak berpengaruh signifikan terhadap Non Performing Financing (NPF). Kata Kunci : Capital Adequacy Ratio (CAR), Beban Operasional Pendapatan Operasional (BOPO), Financing to Deposit Ratio (FDR) dan Good Corporate Governance (GCG), dan Non Performing Financing (NPF).

This study aims to determine: the effect of Capital Adequacy Ratio (CAR) the effect of Operating Costs Operating Income (BOPO) the effect of Financing to Deposit Ratio (FDR) and Good Corporate Governance (GCG) toward Non Performing Financing (NPF) in the period time of 2014-2018. The research design was causal associative. The population in this research in Islamic bank in the period time of 2014-2018. The sampling technique was purposive sampling method and there were obtained 13 companies as the samples. Data analysis conducted through multiple regression analysis using SPSS Statistics 20. The results showed that: Capital Adequacy Ratio (CAR) had negative and significant effect toward Non Performing Financing. Operating Costs Operating Income (BOPO) had no effect toward Non Performing Financing(NPF), Financing to Deposit Ratio (FDR) had no effect toward Non Performing Financing, and Good Corporate Governance (GCG) had no effect toward Non Performing Financing (NPF). Keywords: Capital Adequacy Ratio (CAR), Operating Costs Operating Income (BOPO), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), and Non Performing Financing (NPF).

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