<![CDATA[This research aims to analyze the impact of NPF (Non Performing Financing), ROA (Return on assets), and ROE (Return on Equity) on total Indonesian sharia banking assets from 2020-2021. Through analysis using a qualitative approach using panel data regression analysis methods, it was found that NPF had a negative effect on total assets, indicating that a high financing to savings ratio could potentially reduce the performance of total banking assets in Indonesia. On the other hand, ROA shows a significant positive correlation with total Islamic banking assets. then the ROE variable has a significant and positive effect on total sharia banking assets. This means that when ROE increases, it is followed by an increase in total sharia banking assets. These results indicate that the ROA, ROE, NPF ratios have a significant effect on total sharia banking assets. Penelitian ini bertujuan untuk menganalisis dampak NPF (Non Performing Financing), ROA (Return on asset), dan ROE (Return on Equity ) pada total aset perbankan syariah Indonesia dari tahun 2020-2021. Melalui analisis dengan pendekatan kualitatif dengan metode analisis regresi data panel, ditemukan bahwa NPF berpengaruh negatif terhadap total asset, menunjukkan bahwa rasio pembiayaan terhadap simpanan yang tinggi dapat berpotensi mengurangi kinerja total asset perbankan di Indonesia. Sebaliknya ROA menunjukkan korelasi positif yang singnifikan terhadap total asset perbankan syariah . kemudian variabel ROE berpengaruh signifikan dan positif terhadap total aset perbankan syariah. Artinya ketika ROE meningkat maka diikuti dengan peningkatan total aset perbankan syariah. Hasil ini menunjukkan bahwa Rasio ROA, ROE, NPF berpengaruh signifikan terhadap total aset perbankan syariah.]]>
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