This research aims to analyze and empirically prove the effect of Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Profitability in Sharia banking of Indonesia listed on the Financial Service Authority during the period 2014-2018. The method used in this research is quantitative method of causality. The data used is sourced from secondary data. The population in this study is all Sharia banking in Indonesia. Sampling techniques in this study used census samples. Based on the predetermined sampling method, the number of samples is12 samples of Sharia banking in the period 2014-2018. Analyze and process data using Microsoft Excel and Eviews 10. The results of the study showed that: 1) BOPO has a negative and significant effect on profitability, 2) NPF negatively and significantly affects profitability, 3) CAR has a positive and significant effect on profitability.

Keywords : Operating Expenses to Operating Income, NonPerforming Financing, Capital Adequacy Ratio, Profitability.