%0 Thesis %9 Skripsi %A Nur Fiqhiyyah Faizah, NIM.: 22108020048 %B FAKULTAS EKONOMI DAN BISNIS ISLAM %D 2026 %F digilib:77171 %I UIN SUNAN KALIJAGA YOGYAKARTA %K NPF, Unit Usaha Syariah, Pembiayaan Bagi Hasil, Pembiayaan Berbasis Piutang, FDR, Inflasi, PDB %P 149 %T PENGARUH DIVERSIFIKASI PEMBIAYAAN BERDASARKAN AKAD, LIKUIDITAS, DAN MAKROEKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA UNIT USAHA SYARIAH DI INDONESIA PERIODE 2015-2024 %U https://digilib.uin-suka.ac.id/id/eprint/77171/ %X 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. %Z Rosyid Nur Anggara Putra, SPd., M.Si.