This research aims to analyze and empirically
prove the effect of Operating Expenses to Operating
Income (BOPO), Non-Performing Financing (NPF), and
Capital Adequacy Ratio (CAR) on Profitability in Sharia
banking of Indonesia listed on the Financial Service
Authority during the period 2014-2018. The method used
in this research is quantitative method of causality. The
data used is sourced from secondary data. The population
in this study is all Sharia banking in Indonesia. Sampling
techniques in this study used census samples. Based on the
predetermined sampling method, the number of samples
is12 samples of Sharia banking in the period 2014-2018.
Analyze and process data using Microsoft Excel and
Eviews 10. The results of the study showed that: 1) BOPO
has a negative and significant effect on profitability, 2)
NPF negatively and significantly affects profitability, 3)
CAR has a positive and significant effect on profitability.
Keywords : Operating Expenses to Operating Income, NonPerforming Financing, Capital Adequacy Ratio, Profitability.