<![CDATA[Abstract. Non Performing Financing (NPF) is a key indicator of financing risk in Islamic banks and needs to be kept within a healthy threshold. This study aims to examine the effect of Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Financing to Deposit Ratio (FDR) on NPF at PT Bank BCA Syariah, both partially and simultaneously, during the 2016–2025 period (quarter I–IV). A quantitative approach with multiple linear regression was used, processed with EViews 14, based on 40 quarterly secondary observations from BCA Syariah’s published financial statements. The results show that CAR and ROA have a significant positive effect on NPF, while FDR has a negative but insignificant effect. Simultaneously, CAR, ROA, and FDR significantly affect NPF, with an adjusted R² of 53.9%, meaning the three variables explain more than half of the variation in NPF, while the remaining portion is explained by factors outside the model. Abstrak. Non Performing Financing (NPF) merupakan indikator penting risiko pembiayaan pada bank syariah yang perlu dijaga dalam batas sehat. Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Return on Assets (ROA), dan Financing to Deposit Ratio (FDR) terhadap NPF pada PT Bank BCA Syariah, baik secara parsial maupun simultan, selama periode 2016–2025 (triwulan I–IV). Penelitian menggunakan pendekatan kuantitatif dengan metode regresi linear berganda yang diolah menggunakan EViews 14, berdasarkan 40 data sekunder triwulanan dari laporan keuangan publikasi BCA Syariah. Hasil penelitian menunjukkan bahwa CAR dan ROA berpengaruh positif signifikan terhadap NPF, sedangkan FDR berpengaruh negatif namun tidak signifikan. Secara simultan, CAR, ROA, dan FDR berpengaruh signifikan terhadap NPF dengan adjusted R² sebesar 53,9%, yang berarti ketiga variabel tersebut mampu menjelaskan lebih dari separuh variasi NPF, sedangkan sisanya dijelaskan oleh faktor lain di luar model.]]>
