摘要：Non-Performing Financing (NPF) is one of the indicators in evaluating the performance of sharia banks. The high NPF level indicates the low performance of sharia banks that shows many financing problems. The research objective was to identify the factors that influence NPF with regard to general and micro-segment. NPF value influenced by several factors, both internally and externally, such as Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Net Operating Margin (NOM), Return On Equity (ROE), inflation, exchange rate, and Gross Domestic Product (GDP). The study used quarterly data from three sharia banks, namely BNI Syariah, BRI Syariah, dan BSM. The methods employed were descriptive analysis and panel data regression. The results showed that FDR, NOM, and ROE were the NPF influencing factors for the general segment. Meanwhile, CAR, NOM, ROA, BOPO, and GDP were the NPF influencing factors for the micro-segment.
