This study aims to provide clarity on the magnitude of the influence of internal bank factors consisting of finance to deposit ratio, capital adequacy ratio, operating expenses to operating income, and return on assets on non performing financing in Islamic commercial banks for the period 2014 - 2018. This study using quantitative data collected by purposive sampling technique so sample that the resulting is as many as 12 Islamic commercial banks. The analysis method used is panel data with data processing using Eviews. The results showed that the finance to deposit ratio and operating expenses on operating income had a positive effect on non-performing financing. Meanwhile, the capital adequacy ratio and return on assets have a negative effect on non-performing financing.

Keywords : Finance To Deposit Ratio, Capital Adequacy Ratio, Operating Expenses To Operating Income, Return On Assets, Non Performing Financing