<![CDATA[This study aims to analyze the effect of Third Party Funds (DPK), Capital Adequacy (KAP/CAR), and Operational Efficiency (BOPO) on Return on Assets (ROA) of Sharia Business Units (UUS) in Indonesia for the period 2019-2024. This research is a quantitative study using secondary data from OJK Sharia Banking Statistics. The sampling technique used saturated sampling with 24 quarters observation. Data analysis used multiple linear regression with classical assumption tests. The results show that partially, DPK has no significant effect on ROA (t = -1.469 < t-table 2.086), KAP has no significant effect on ROA (t = 0.915 < t-table 2.086), while BOPO has a significant negative effect on ROA (t = -7.009 > t-table 2.086). Simultaneously, DPK, KAP, and BOPO have a significant effect on ROA with an Adjusted R Square of 0.738. This implies that UUS efficiency management is the main key to increasing profitability.]]>
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