This study was conducted to examine the effect of the Financing Scheme in Islamic Commercial Banks which includes Murabahah, Mudharabah, Musyarakah, and Ijarah financing on Financing Risk or known as Non Performing Loans (NPL) in conventional banks and Non Performing Funding (NPF) in Islamic banks. The variables used in this study are the independent variables consisting of Murabahah, Mudharabah, Musyarakah, and Ijarah, and the dependent variable is the Risk of Financing or Non Performing Financing (NPF). The object used in the study is Islamic Commercial Banks registered with the OJK during the 2016-2020 period. This research is quantitative research of causality with multiple linear regression analysis method. The sample used is Islamic Commercial Banks (BUS) registered with the OJK during the study period. The results of the analysis (1) Murabahah has a positive effect on NPF; (2) Mudharabah has a negative effect on NPF; (3) Musyarakah has a negative effect on NPF; (4) Ijarah has a negative effect on NPF.

Keywords : Financing Scheme, Murabahah, Mudharabah, Musyarakah, Ijarah, Financing Risk