english

This study aims to determine the effect of financing to deposit (FDR), non performing financing (NPF), profit sharing financing (PSF), third party funds (DPK) and dummy covid on return of assets (ROA). This paper uses multiple linear regression method. Research observations are data for the quarter December 2018 to September 2021 at Islamic Regional Development Banks in Indonesia. The results showed that FDR, NPF, and the COVID dummy had a negative effect on profitability. Meanwhile, PSF and DPK have a positive influence on profitability. In addition, the Kruskal-Wallis test showed no difference in ROA, FDR, and NPF before and during Covid-19.Penelitian ini bertujuan untuk mengetahui pengaruh financing to deposit (FDR), non peforming financing (NPF), pembiayaan bagi hasil, dana pihak ketiga (DPK) dan dummy covid terhadap return of assets (ROA). Tulisan ini menggunakan metode regresi linear berganda. Observasi penelitian yaitu data triwulan Desember 2018 sampai September 2021 pada Bank Pembangunan Daerah Syariah di Indonesia. Hasil penelitian menunjukkan bahwa bahwa FDR, NPF, dan dummy COVID berpengaruh negatif terhadap profitabilitas. Sedangkan  PSF dan DPK memberikan pengaruh positif terhdap profitbilitas. Selain itu, pada tes Kruskal-Wallis menunjukkan tidak ada perbedaan ROA, FDR, dan NPF sebelum dan selama Covid-19.&nbsp