The purpose of this study is to determine the effect of the implementation of Good
Corporate Governance (GCG) which is proxied by the board of directors, the board of
independent commissioners managerial ownership, institutional ownership, and the sharia
supervisory board against payment risk as measured bv the Non Performing Financing (NPF)
ratio at the Bank Sharia General. The study population was a Sharia Commercial Bank
Registered at Financial services Authority. The data used was secondary data in the form of
reports annual Sharia Commercial Bank for the period 2015-2019. The samples collected were
14 Islamic banks as much as 70 data. The results showed that the board of directors has a
negative effect on NPF. Independent board of commissioners, managerial ownership.
institutional ownership. and sharia supervisory board have no effect on NPF.