This study aims to analyze the effect of
capital adequacy, quality of productive assets, and
liquidity on financial performance. Financial
performance is proxied by using Return On Assets
(ROA). The population in this study is the Islamic Rural
Bank (IRB) registered at Financial Services Authority.
Sampling was conducted using purposive sampling
method and total sample there are 100 samples. This
research uses secondary time series data was published
at official website www.ojk.go.id . The analytical
method used is multiple linear regression by using SPSS
22 as tool to process the data and test the hypotheses.
The result of this research indicate that capital
adequacy has no significant effect on financial
performance, while the quality of productive assets and
liquidity has a significant effect on financial
Keywords : Financial Performance, Islamic Rural Bank, Multiple Linear Regression.