SUMMARY
The study aims to determine the effect of buying and selling financing, profit sharing financing, financing to deposit ratio (FDR), non performing financing (NPF), and operating income operating costs (BOPO) on profitability (ROA) (empirial study on Islamic Commercial Banks in 2015-2019). This type of research is a quantitative research using SPSS 20.0 software. The data used in this study is secondary data in the form of financial statement data obtained from the website if each Islamic Bank. The population in this study is Islamic Commercial Bank which publish their financial statements during the period 2015 to 2019. The study used purposive sampling so that seven Islamic banks were sampled. The results of this study indicate that buying and selling financing has a positive and insignificant effect on profitability, profit sharing financing has a negative and significant effect on profitability, financing to deposit ratio (FDR) has a positive and insignificant effect on profitability, non performing financing (NPF) has a positive and insignificant effect on profitability, operating cost of operating income (BOPO) has a negative and significant effect on profitability.