T This field work practice report aims to examine the development of non-performing financing (npf) within the consumer financing group (cfg) at bsi regional office v jakarta 2. the primary objectives are to analyze trends in npf through both quantitative data and qualitative interviews, identify key internal and external drivers of npf and evaluate the strategies employed to manage and reduce npf. a descriptive qualitative methodology was adopted, utilizing in-depth interviews with account officers, branch managers, and financing staff, alongside secondary data from the regional office\\\'s internal reports. findings reveal that rising npf is influenced by internal issues such as inadequacies in applying the 5c credit assessment framework and insufficient monitoring of fund utilization as well as external factors like macroeconomic fluctuations, job loss, and shifting consumer behaviors. the strategies implemented by bsi include personalized client engagement, financing restructuring, and reinforcing prudential standards in credit appraisal and evaluation. these approaches are consistent with practices observed in other islamic banking institutions dealing with non-performing financing. this study contributes practically by providing actionable insights for bsi regional office v jakarta 2 in mitigating npf, and academically by enriching empirical research on npf factors and strategies in consumer financing within islamic banking.