Faktor Determinan Penyebab Non Performing Financing pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode 2008-2015

The goal of this research is to determine the factors that caused the problematicfunding of Bank Pembiayaan Rakyat Syariah in Indonesia during the period of 2008-2015. The method of research used is the quantitative approach. The sample of the research is Bank Pembiayaan Rakyat Syariah which is taken every three months for each variable during the period of 2008-2015. The analysis technique used is multiple regression analysis and the result is Y = 5,076 – 0,743PDB + 0,018FDR + 0,047BOPO + 0,040Inflation + 0,024AverageFunding, with R2 registration 0,749 or 74,9%.The result of the partial test shows that economic growth has a significant effect. The result of the simultaneous test shows that the five variables have significant effects in the problematic funding of Bank Pembiayaan Rakyat Syariah in Indonesia