<![CDATA[This study aims to analyze the effect of risk management implementation, proxied by the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO), on Non-Performing Financing (NPF) of micro-business financing products at Bank Syariah Indonesia, both partially and simultaneously. This research uses a quantitative approach with secondary data in the form of monthly time-series data for the 2021–2025 period, obtained from the published financial reports of Bank Syariah Indonesia and the Sharia Banking Statistics of the Financial Services Authority (OJK). The analysis technique used is multiple linear regression with Newey-West (HAC) correction using EViews 13 software. The results show that, partially, CAR, FDR, and BOPO each have a positive and significant effect on NPF. Simultaneously, CAR, FDR, and BOPO have a significant effect on NPF, with a contribution of 88.7% (Adjusted R²), while the remaining 11.3% is influenced by other factors outside the model. This study concludes that the implementation of risk management, reflected through these three financial ratios, plays an important role in maintaining the quality of micro-business financing in Islamic banks.]]>
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