ABSTRACT This study aims to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Operating Costs and Operating Income (BOPO) and Financing to Deposit Ratio (FDR) on Return On Assets (ROA) Case Study at Indonesian Islamic Commercial Banks registered with OJK for the 2015-2019 period. The population and samples used in this study were 14 Indonesian Sharia Com…