[ABSTRAK
Tujuan penelitian ini adalah untuk melihat pengaruh faktor-faktor internalperusahaan pembiayaan terhadap non-performing financing pada perusahaanpembiayaan yang terdaftar di Bursa Efek Indonesia selama periode penelitianyaitu dari tahun 2010 hingga 2014. Fakto-faktor yang diteliti dalam penelitian iniadalah tingakt pembiayaan bermasalah (NPF), tingkat pertumbuhan pembiayaan(growth), tingkat pengambilan risiko (Risk), ukuran perusahaan yang dilihat daritotal asetnya (Size), tingkat efisiensi operasional perusahaan (Effeciency), Returnon Asset, Gearing ratio. Sampel pada penelitian ini adalah 8 perusahan yangsudah sesuai dengan kriteria penelitian ini, yang meliputi hanya perusahaanpembiayaan yang terdaftar pada Bursa Efek Indonesia sejak 2009 dan memilikidata laporan keuangan dari tahun 2009-2014. Estimasi model dilakukan denganmenggunakan regresi panel Random Effects Model. Hasil penelitian menunjukkanbahwa hanya tingkat efisiensi operasional perusahaan (Effeciency), Return onAsset, Gearing ratio, tingkat pengambilan risiko (Risk), dan ukuran perusahaanyang dilihat dari total asetnya (Size) yang memiliki hubungan terhadap nonperformingfinancing sedangkan tingkat pertumbuhan pembiayaan (growth) tidakmempunyai hubungan terhadap non-performing financing.

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ABSTRACT
The purpose of this study is to explore the impact of internal factor toward nonperformingfinancing in financing company listed in Indonesian Stock Exchange(IDX) with period of research from 2010-2104. The variables that are beingexplored are non-performing financing, financing growth, risk-taking level, sizeof total asset, efficiency operational, return on asset, and gearing ratio. Research?ssample was 8 companies which are in accordance with the criteria of this study,which covers only the financing company listed on the indonesia stock exchangesince 2009 and has the financial statement data from 2009 to 2014. The RandomEffects Model of panel regression is being employed in the model estimation.Result of this research showed that Effeciency, ROA, Gearing Ratio, Risk, andSize was influencing on non-performing financing while growth financing is notinfluencing on non-performing financing, The purpose of this study is to explore the impact of internal factor toward nonperformingfinancing in financing company listed in Indonesian Stock Exchange(IDX) with period of research from 2010-2104. The variables that are beingexplored are non-performing financing, financing growth, risk-taking level, sizeof total asset, efficiency operational, return on asset, and gearing ratio. Research’ssample was 8 companies which are in accordance with the criteria of this study,which covers only the financing company listed on the indonesia stock exchangesince 2009 and has the financial statement data from 2009 to 2014. The RandomEffects Model of panel regression is being employed in the model estimation.Result of this research showed that Effeciency, ROA, Gearing Ratio, Risk, andSize was influencing on non-performing financing while growth financing is notinfluencing on non-performing financing]