<![CDATA[This study aims to analyze the influence of financing risk and operational efficiency on the profitability of Islamic commercial banks in Indonesia for the 2020-2022 period. This research is a research with a quantitative approach. The population used in this study is Sharia Commercial Banks in Indonesia for the 2020-2022 period. The sampling method used in this study was carried out by purposive sampling and the final sample of the study was obtained of 33 data. The data analysis methods used are descriptive statistical analysis tests and classical assumption tests in the form of normality tests, multicollinearity tests, heteroscedasticity tests and autocorrelation tests. This study uses multiple regression analysis methods, model feasibility test (f), hypothesis test (t), and determination coefficient test (R2). The results of the study provide empirical evidence that the capital adequacy ratio, financing to deposit ratio do not have a significant effect on return on assets, while operating costs of operating income have a significant effect on return on assets]]>
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