Analisis Pengaruh Penyaluran Pembiayaan Syariah dan Efisiensi Operasional Terhadap Profitabilitas Bank Umum Syariah di Indonesia dengan Non Performing Financing (NPF) sebagai Intervening

The performance of Islamic banking can be reflected in profitability, which focuses on the company's ability to earn profit (profit) in its business operations. There are many factors that can affect the level of profitability of a bank. including the factors internally and externally. Bank health is the result of financial assessment, asset health, management, earnings, liquidity and risk sensitivity. One effort can be done by reinforcing the banking capital structure by balancing the proportion of business with business capital requirements which will increase the ability to translate future situations that will be risky in business, as well as by increasing operational efficiency so that it can help increase the profitability of a business. bank. This research uses linear regression analysis method and path analysis. The purpose of this study was to determine whether the effect of FDR and BOPO on ROA through NPF. Based on the test results, it is stated that NPF can only mediate the effect of BOPO on ROA