THE EFFECT OF THIRD PARTY FUNDS, NON-PERFORMING FINANCING AND OPERATING EXPENSES OF OPERATING INCOME ON FINANCIAL PERFORMANCE

This study intends to investigate the influence of Third Party Funds, Non-Performing Finance (NPF), and Operating Income (BOPO) on Financial Performance, as measured by Return On Assets (ROA). study's population consists Sharia Commercial Banks registered between 2016 2020 with Services Authority (OJK). drew samples from seven Islamic commercial banks using a method purposive sampling. Obtained sample data much 35 data. The utilized for this are secondary type research is causal associative quantitative approach method. Multiple linear regression analysis 5% significance level technique employed. processed Eviews 12 software. results show that (1) Funds have significant effect Performance (2) Non-performing Financing Results no (3) Expenses has Performance. (4) Financing, BOPO joint In coefficient determination variable TPF, an 72% while 28% influenced other factors beyond study.