ABSTRAK
Fokus penelitian ini adalah menguji lima variable independen, yakni Non Performing Finance (NPF), inflasi, Capital Adequacy Ratio (CAR), Produk Domestik Bruto (PDB), dan Dana Pihak Ketiga (DPK) dan pengaruhnya terhadap pembiayaan berbasis margin pada Bank Umum Syariah di Indonesia. Penelitian ini terbatas pada periode 2006 sampai 2013 dengan populasi berjumlah 11 yang merupakan jumlah Bank Umum Syariah di Indonesia. Data yang diuji diperoleh dari Laporan Keuangan Publikasi Triwulanan Bank Umum Syariah Periode 2006-2013. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linear berganda yang bertujuan untuk mendapatkan gambaran yang menyeluruh terkait hubungan tiap-tiap variabel yang ada. Dalam penelitian ini, uji asumsi klasik yang dipakai adalah uji normalitas, autokorelasi, heteroskedastisitas, dan multikolineritas. Dari hasil penelitian ini dapat ditarik kesimpulan bahwa variable independen NPF dan DPK berpengaruh positif terhadap pembiayaan berbasis margin. Di sisi lain, variable inflasi dan PDB tidak berpengaruh terhadap pembiayaan berbasis margin. Sedangkan variable independen CAR berpengaruh negatif terhadap pembiayaan berbasis margin.
Kata Kunci: Non Performing Finance (NPF), Inflasi, Capital Adequacy Ratio (CAR), Produk Domestik Bruto (PDB), dan Dana Pihak Ketiga (DPK), Pembiayaan Berbasis Margin.

ABSTRACT
The focus of this research is testing five independent variables, such as Non Performing (NPF), inflation, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), and Dana Pihak Ketiga (DPK) and their effects towards margin based payment at Islamic Public Bank in Indonesia. This research used financial report period 2006 to 2013 with 11 populations which are the number of Islamic Public Bank in Indonesia. The tested data were obtained from Three Months Publication Financial Report of Islamic public Bank from the period of 2006 to 2013. The technique of data analysis in this research is double linear regression that the purpose is to get the whole description related to connection of each variable. In this research, the used classic assumption tests are normality test, auto correlation, heteroscedastisity, and multicolinerity. From the research result, it can be concluded that NPF and DPK have positive effect towards margin based payment. On the other hand, inflation and GDP variables have no influence towards margin based payment. Finally, CAR as the independent variable has negative effect towards margin based payment.
Key Words: Non Performing Finance (NPF), Inflation, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), Dana Pihak Ketiga (DPK), Margin Based Payment.