<pre>This study aims to examine and analyze the factors that affect non-performing loans in foreign exchange banks in Indonesia. This study uses the ratio of Non Performing Loans (NPL) as the dependent variable to measure credit problem. While the independent variables use the Capital Adequacy Ratio (CAR) ratio, Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Operating Income Operating Expenses (BOPO), interest rate and inflation. The data uses a  secondary data. Data collection technique uses the documentation method. The data analysis technique uses data regression by selecting 3 methods, they are common effect model (CEM), fixed effect model (FEM), random effect model (REM). Based on the chow test, hausman test and lagrange multiplier test, it is known that the method chosen in this study is random effect model (REM). The results show that CAR, LDR, NIM, BOPO, interest and inflation simultanously have a significant effect on NPL of the foreign exchange banks in Indonesia. CAR, LDR, and BOPO variables partially negative effect but not significantly on NPL of foreign exchange banks in Indonesia. The NIM variable partially has a positive effect and not significant on the NPL of the foreign exchange banks in Indonesia. The variable interest rate partially has a significant positive effect on the NPL of the foreign exchange banks in Indonesia. The inflation variable partially has a significant negative effect on the NPL of the foreign exchange banks in Indonesia.</pre><p> </p><p><strong>Keywords</strong>: Credit Problem, Foreign Exchange Bank, Regression, Data Panel</p><p> </p>