Penelitian ini bertujuan untuk mengetahui dan menganalisis seberapa besar pengaruh Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Asset (ROA), dan Inflasi terhadap pembiayaan bermasalah atau Non Performing Financing pada Bank Muamalat Indonesia secara parsial maupun simultan. Data yang digunakan dalam penelitian ini adalah data sekunder yang didapatkan dari laporan triwulanan Bank Muamalat Indonesia periode 2012-2019 dan data statistik Bank Indonesia. Penelitian ini menggunakan metode analisis regresi berganda. Hasil penelitian menunjukkan secara simultan variabel CAR, FDR, ROA, dan Inflasi memiliki pengaruh signifikan terhadap Non Performin Financing. Secara parsial, CAR, FDR, dan Inflasi tidak berpengaruh signifikan terhadap Non Performing Financing. Sementara variabel ROA berpengaruh secara signifikan terhadap Non Performing Financing. Kata Kunci: Capital Adequacy Ratio, Financing to Deposit Ratio, Return on Asset, Inflasi, Non Performing Financing.

This research aims to see and analyze the influence of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Asset (ROA), and Inflation on Non Performing Financing at Bank Muamalat Indonesia partially or simultaneously. This research uses secondary data in the form of quarterly report of Bank Muamalat Indonesia period 2012-2019 and statistical data from Bank of Indonesia. The method used in this research is multiple linear regression analysis. The result showed that CAR, FDR, ROA, and Inflation simultaneously have a significant effect on Non Performing Financing. Partially, CAR, FDR, and Inflation have no significant effect on Non Performing Financing. While the ROA variable has a significant effect on Non Performing Financing. Keywords: Capital Adequacy Ratio, Financing to Deposit Ratio, Return on Asset, Inflation, Non Performing Financing.

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