@phdthesis{digilib77171,
           month = {June},
           title = {PENGARUH DIVERSIFIKASI PEMBIAYAAN BERDASARKAN AKAD, LIKUIDITAS, DAN MAKROEKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA UNIT USAHA SYARIAH DI INDONESIA PERIODE 2015-2024},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 22108020048 Nur Fiqhiyyah Faizah},
            year = {2026},
            note = {Rosyid Nur Anggara Putra, SPd., M.Si.},
        keywords = {NPF, Unit Usaha Syariah, Pembiayaan Bagi Hasil, Pembiayaan Berbasis Piutang, FDR, Inflasi, PDB},
             url = {https://digilib.uin-suka.ac.id/id/eprint/77171/},
        abstract = {The main indicator for assessing financing quality in Sharia Business Units (UUS) is Non-Performing Financing (NPF) or problematic financing. This study analyzes how profit-sharing financing, receivables-based financing, Financing to Deposit Ratio (FDR), inflation, and Gross Domestic Product (GDP) affect NPF in UUS in Indonesia for the 2015?2024 period. This study uses a quantitative approach with secondary data and panel data regression using the Random Effect Model (REM). The results show that profit-sharing financing has a significant negative effect on NPF, while receivable-based financing, FDR, and inflation do not have a significant effect. GDP has a significant negative effect on NPF at the 10\% significance level.}
}