<![CDATA[Penelitian ini menguji seberapa besar Operational Efficiency Ratio (OER), Financing to Deposit Ratio (FDR), dan Capital Adequacy Ratio (CAR) mempengaruhi Return on Asset (ROA) pada Bank Umum Syariah periode 2017-2020 yang tercatat di Otoritas Jasa Keuangan. Populasinya merupakan seluruh bank umum syariah dari tahun 2017 hingga 2020 yang tercatat di Otoritas jasa Keuangan yang berjumlah 14 bank serta sampelnya adalah 11 bank. Sampel diambil menggunakan teknik purposive sampling. Dalam uji t, diperoleh hasil yaitu secara sendiri-sendiri nilai Sig. Capital Adequacy Ratio adalah adalah 0,642 > 0,050 dan thitung -0,469 > ttabel -2,030 sehingga diperoleh kesimpulan Capital Adequacy Ratio tidak ada pengaruh nyata pada Return on Asset. Nilai signifikansi Financing to Deposit Ratio adalah 0,058 > 0,050 dan thitung 1,964 < ttabel 2,030 yang artinya Financing to Deposit Ratio pada Return on Asset juga tidak ada pengaruh yang nyata, sedangkan nilai signifikansi Operational Efficiency Ratio yaitu 0,000 < 0,050 dan thitung -23,260 < ttabel -2,030 sehingga Operational Efficiency Ratio pada Return on Asset pengaruhnya adalah nyata. Dari hasil uji F sebesar 0,000 < 0,05 dan Fhitung 236,586 > Ftabel 2,87 menunjukkan bahwa Operational Efficiency Ratio (OER), Financing to Deposit Ratio (FDR), dan Capital Adequacy Ratio (CAR) pada Return on Asset secara bersamaan pengaruhnya adalah nyata. Kata Kunci: Bank Syariah; CAR; FDR; OER; ROA. AbstractThis research examined how much Operational Efficiency Ratio (OER), Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) influence against Return on Assets (ROA) at Sharia Commercial Bank for the 2017-2020 period listed at the Financial Services Authority. The population are Sharia Commercial Bank for the 2017-2020 period listed at the Financial Services Authority, totaling 14 banks with a sample of 11 banks. The sample was taken by purposive sampling technique. In the t test, show that individually significance value of Capital Adequacy Ratio is 0,642 > 0,050 and tcount -0,469< ttable -2,030, it means that Capital Adequacy Ratio has no influence on Return on Asset. The significance value of Financing to Deposit Ratio is 0,058 > 0,050 and t-count 1,964 < ttable 2,030 which means that Financing to Deposit Ratio on Return on Assets also does not have a significant influence, while the Operational Efficiency Ratio significance value is 0,000 <0,050 and tcount -23,260 < ttable -2,030 so that the influence of Operational Efficiency Ratio on Return on Asset is significant. The results of the F test is 0,000 < 0,05 dan Fcount 236,586 > Ftable 2, 87, it shows that the Operational Efficiency Ratio (OER), Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) against Return on Assets simultaneously has a significant influence. Keywords: CAR; FDR; OER; ROA; Sharia Bank]]>
