<![CDATA[This study aims to analyze the effect of LDR, NPL and NIM on ROA in BCA Sharia in Indonesia in 2010.1-2017.4. The research data were obtained from published financial statements from the official BCA Sharia website. A sample of 32 quarterly financial reports were recorded in the publication report on the BCA Sharia. The analysis technique used is multiple linear regression and hypothesis testing using the F test and t test which had previously been tested classic assumptions first. The results showed that the LDR had a negative and significant effect on ROA, and the NIM had a significant effect while the NPL had no effect. From the research, it is obtained adjusted R2 of 0.382, it means that 38.2% of the dependent variable that is ROA can be explained by the variation of independent variables namely LDR, NPL and NIM while the remaining 61.8% is explained by other variables or other factors.[Penelitian ini bertujuan untuk menganalisis pengaruh LDR, NPL dan NIM terhadap ROA pada bank BCA syariah di Indonesia tahun 2010.1-2017.4. Data penelitian diperoleh dari laporan keuangan publikasi dari wabsite resmi bank BCA syariah. Sampel sebaanyak 32 laporan keuangan triwulanan yang tercatat dalam laporan publikasi di bank BCA syariah. Teknik analisis yang digunakan adalah regresi linear berganda dan uji hipotesis menggunakan uji F dan uji t yang sebelumnya telah dilakukan uji asumsi klasik terlebih dahulu. Hasil penelitian menunjukkan bahwa LDR berpengaruh negatif dan signifikan terhadap ROA, dan NIM berpengaruh singnifikan sedangkan NPL tidak berpengaruh. Dari penelitian diperoleh adjusted R2 sebesar 0.382, hal tersebut berarti bahwa 38.2% variabel dependen yaitu ROA dapat dijelaskan oleh variasi variabel independen yaitu LDR, NPL dan NIM sedangkan sisanya 61.8% dijelaskan oleh variabel lain atau faktor lain.]]]>
