PENGARUH FINANCING TO DEPOSIT RATIO (FDR), CAPITAL ADEQUACY RATIO (CAR), BIAYA OPERASIONAL PER PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA TAHUN 2014-2018

The purpose of this research is to know the influence of FDR, CAR, BOPO on the profitability of ROA on sharia bank in Indonesia. The number of samples used 13 sharia bank with a purposive sampling method. The method used is a quantitative approach using secondary data obtained from the annual report of each bank. The analytical tool used is panel data regression. Data is processed through E-views. The results showed that FDR and BOPO has a significant negative effect on ROA while CAR has a significant positive effect on ROA. FDR, CAR, BOPO is a simultan effect on ROA.In this study researchers have limitations using only 5 years and only using the variables FDR, CAR, BOPO as an independent variable so that it can affect theresearch results. The next researcher is expected to beable to develop the number of variables and be able to add observation time