ABSTRACT This research aims to examine the influence of Financing to Deposit Ratio (FDR) and Operational Expenses to Operating Income Ratio (BOPO) on Profitability with Non-Performing Financing (NPF) as a moderating variable. The population in this study consists of Sharia commercial banks listed in the Financial Services Authority (OJK) during the period 2016-2022, totaling 13 compani…