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This research aims to know the influence of Operational Efficiency, Third-Party Fund, and Non-Performing Finance to Return on Assets (ROA). The Object for this research is Islamic Banks listed in the Financial Services Authority and Bank Indonesia in the period 2012 to 2016. This research was done to 11 Islamic banks by using a quantitativedescriptive approach. Thus, the data analysis which is used is statistical analysis in the form of the double linear

ANALYSIS OF THE EFFECT OF OPERATIONAL EFFICIENCY, THIRD-PARTY FUNDS AND NON PERFORMING FINANCE ON PROFITABILITY IN SHARIA BANKING IN INDONESIA