Abstract :
This study aims to determine the effects of financing and analysis musyarakah against Non Performing Financing (NPF) in Islamic Banks in Indonesia since 2007 until 2012. This study also aims to determine which variables have the most significant effect on Non Performing Financing (NPF). study population in the form of Islamic Banks in Indonesia since 2007 until 2012. The sample using purposive sampling method and acquired 31 companies in the sample. The data used are secondary data, which mudharabah and Musyarakah financing as an independent variable and Non Performing Financing (NPF) as the dependent variable. Statistical methods used are statistical Product and Service Solutions (SPSS). Results of this study demonstrate that mudharabah financing is no significant effect on Non Performing Financing (NPF). This can be explained in the regression test results (t test) that produces a value greater than 0.05 is equal to 0183. Musyarakah financing while also no significant effect on Non Performing Financing (NPF). This can be explained in the regression test results (t test) that produces a value greater than 0.05 is equal to 0117 Keyword: Mudharabah Financing, Musyarakah Financing, Non Performing Financing (NPF).