Analisis Pengaruh Faktor Spesifik-Bank, Proporsi Pembiayaan Bagi Hasil, dan Makroekonomi Terhadap Non-Performing Financing Bank Pembiayaan Rakyat Syariah (BPRS) Indonesia = Analysis of the Influence of Bank-Specific Factors, Proportions of Profit Sharing Financing, and Macroeconomics on Non-Performing Financing of Indonesian Islamic People's Funding Banks (BPRS)