<mets:mets OBJID="eprint_77171" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-07-08T04:40:43Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Institutional Repository UIN Sunan Kalijaga Yogyakarta</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_77171_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>PENGARUH DIVERSIFIKASI PEMBIAYAAN BERDASARKAN AKAD, LIKUIDITAS, DAN MAKROEKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA UNIT USAHA SYARIAH DI INDONESIA PERIODE 2015-2024</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">NIM.: 22108020048</mods:namePart><mods:namePart type="family">Nur Fiqhiyyah Faizah</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods: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.</mods:abstract><mods:classification authority="lcc">297.273 Ekonomi Islam / Fiqih Muamalah</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-06-02</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAM</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_77171"><mets:rightsMD ID="rights_eprint_77171_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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