%0 Thesis %9 Skripsi %A Muhlis, NIM.: 1620310010 %B FAKULTAS EKONOMI DAN BISNIS ISLAM %D 2020 %F digilib:46373 %I UIN SUNAN KALIJAGA YOGYAKARTA %K Bank Umum Syariah; kinerja keuangan; pembiayaan %P 86 %T PENGARUH CAPITAL ADEQUACY RATIO(CAR),FINANCING TO DEPOSIT RATIO(FDR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL(BOPO) TERHADAPNON PERFORMING FINANCING ( NPF) PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2020 %U https://digilib.uin-suka.ac.id/id/eprint/46373/ %X The purpose of this study is to determine the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Costs and Operating Income (BOPO), on Non-Performing Financing (NPF) in Islamic Commercial Banks (BUS) in Indonesia. The population in this study were Islamic Commercial Banks (BUS) in Indonesia, using purposive sampling technique. This research uses quantitative research using multiple regression analysis. This study uses secondary data in the form of quarterly data from Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Costs and Operating Income (BOPO), Non Performing Financing (NPF) in Indonesia in the period 2010 to 2020. Data obtained later analyzed using the Eviews 8 tool. The results of this study indicate that the variable Capital Adequacy Ratio (CAR) has a significant effect on Non-Performing Financing (NPF). The variable Financing to Deposit Ratio (FDR) has a significant effect on Non Performing Financing (NPF). Operational Cost and Operating Income (BOPO) variables have a significant effect on Non-Performing Financing (NPF) %Z Pembimbing: Dr. Ibnu Muhdir, M.Ag.