ABSTRACT The purpose of this research is to examine the influence of relationship between FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), and DPK (third-party funds) to financing desicion on Islamic Bank in Indonesia 2007-2011. The research type used is a correlational study by purposive sampling method and unbalance panel data. The sample of this research is 11 Islamic Banks . The data used in this research is secondary data, which got from annual financial reporting which published by Bank Indonesia. Multiple regresion analysis is used to test the hypothesis and data processing done by SPSS Statistik 20. The results of this research show that FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), and DPK (third-party funds) simultaneously influence to financing decision. Partially, FAR (financing to asset ratio) and RFR (rate of return on financing ratio) has influence to financing desicion, AUR (asset utilization ratio), FDR (financing to deposit ratio) and DPK (third-party funds) have no influence to financing desicion. Key words: financing desicion, FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), DPK (third-party funds). ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), serta DPK (dana pihak ketiga) baik secara simultan maupun parsial, terhadap keputusan pembiayaan pada Bank Umum syariah di Indonesia tahun 2007-2011. Jenis penelitian yang digunakan dalam penelitian ini bersifat korelasional dengan menggunakan metode purvosive sampling dan unbalanced panel data. Sampel penelitian berjumlah 11 Bank Umum Syariah. Jenis data yang digunakan adalah data sekunder yang diperoleh berupa data laporan keuangan tahunan, yang diambil dari situs resmi Bank Indonesia. Analisis regresi berganda digunakan untuk menguji hipotesis sedangkan pengolahan data menggunakan program SPSS Statistik 20. Hasil penelitian ini menunjukkan bahwa secara simultan FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), serta DPK (dana pihak ketiga) berpengaruh terhadap keputusan pembiayaan. Secara parsial hanya FAR (financing to asset ratio) dan RFR (rate of return on financing ratio) berpengaruh terhadap keputusan pembiayaan, sedangkan AUR (asset utilization ratio), FDR (financing to deposit ratio) dan DPK (dana pihak ketiga) tidak berpengaruh terhadap keputusan pembiayaan. Kata Kunci: Keputusan Pembiayaan, FAR (financing to asset ratio), RFR (rate of return on financing ratio), AUR (asset utilization ratio), FDR (financing to deposit ratio), DPK (dana pihak ketiga).