This study aimed to minimize non performing financing through capital adequacy ratio, financing to deposit ratio, quality of productive assets, and operating expenses to operating income on nonperforming financing at sharia commercial banks period 2012 to 2016. The sample used in this study is the 11 sharia commercial banks listed in Bank Indonesia. Data will be analyzed by multiple linier regression analysis. The study concluded that the capital adequacy ratio, quality of productive assets, and operating expenses to operating income have a significant effect on nonperforming financing, while financing to deposit ratio variable has no significant effect on nonperforming financing. The results of this study are expected to provide information on factors that can affect the NPF and how to control the NPF so that sharia commercial banks can keep the ratio of NPF net to stay under 5%, this is to maintain the condition of the soundness level of bank.

Keywords : non performing financing, capital adequacy ratio, financing to deposit ratio, quality of productive assets, operating expenses to operating income