Abstract

This research aims to analysis the macroeconomics and microeconomics factors that influence Non Performing Financing at Islamic Bank. Macroeconomics factors are Gross Domestic Product, inflation, exchange rate, Indonesia Bank Wadiah Certificates. Microeconomics factors are financing to deposit ratio and quality of productive assets. The population in this study is all Islamic banks in Indonesia. The samples in this study were. Islamic Bank that published at 2008-2012. Data analysis used a Multiregression analysis. The results showed that macroeconomics and microeconomics factors simultaneously have effect on Non Performing Financing of Islamic bank. While partially the Gross Domestic Product and Indonesia Bank Wadiah Certificate have negative effect and significant on Non Performing Financing, inflation and exchange rate have not significant positive effect on Non Performing Financing, Financing to Deposit Ratio have significant negative effect and Productive Assets Quality have significant positive effect on Non Performing Financing.

Keywords: Non Performing Financing, Gross Domestic Product, inflation, Indonesia Bank Wadiah Certificates, Financing Deposit Ratio, Productive Assets Quality.