%A NIM.: 20108020040 Mufiatus Zahro %O Pembimbing: Dr. Jeihan Ali Azhar, S.Si.,M.E.I %T PENGARUH RASIO PERMODALAN, PEMBIAYAAN BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK UMUM SYARIAH TAHUN 2018-2022 %X This study aims to determine the effect of CAR, NPF and FDR on ROA of Islamic Commercial Banks in 2018-2022. This research uses quantitative research. Hypothesis testing used is panel data regression using Eviews 12. The population used is all financial reports of Islamic Commercial Banks in 2018- 2022. The sampling technique used purposive sampling method with a total sample of 5 banks. The results of this study indicate that CAR and FDR have no significant effect on the ROA of Islamic Commercial banks. While NPF has a negative and significant effect on the ROA of Islamic Commercial Banks. %K Kinerja Keuangan, Return on Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Financing to Deposit Ratio (FDR) %D 2024 %I UIN SUNAN KALIJAGA YOGYAKARTA %L digilib63527