Berdasarkan hasil penelitian terdahulu terdapat research gap mengenai pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Operational Efficiency Ratio (BOPO) terhadap Return on Assets (ROA). Maka tugas akhir yang penulis susun dilakukan untuk menguji kembali bagaimana pengaruh Capital Adequcy Ratio (CAR), Non Performing Financing (NPF), dan Operational Efficiency Ratio (BOPO) terhadap Return on Assets (ROA) pada Bank Muamalat Indonesia periode 2003-2011. Data yang digunakan dalam penelitian ini adalah data sekunder laporan triwulan periode 2003-2011 yang tersedia di website resmi Bank Muamalat Indonesia yaitu www.muamalat.co.id. Untuk penelitian ini, penulis menggunakan uji asumsi klasik yang meliputi uji normalitas, uji heteroskedastisitas, uji multikolonieritas, dan uji autokorelasi. Teknik analisis yang digunakan adalah regresi berganda dan uji hipotesis menggunakan uji t untuk menguji koefisien regresi parsial serta uji F untuk menguji pengaruh secara bersama-sama. Hasil penelitian ini adalah Capital Adequacy Ratio (CAR) memiliki pengaruh positif signifikan terhadap Return on Assets (ROA), Non Performing Financing (NPF) memiliki pengaruh negatif tidak signifikan terhadap Return on Assets (ROA), dan Operational Efficiency Ratio (BOPO) memiliki pengaruh negatif signifikan terhadap Return on Assets (ROA). Kata kunci: ROA, CAR, NPF, BOPO.

Based on the results of previous research there is a research gap about the effect of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Operational Efficiency Ratio (ROA) to Return on Assets (ROA). Then the final assigment that the author collated done to reexamine how the influence Adequcy Capital Ratio (CAR), Non Performing Financing (NPF), and Operational Efficiency Ratio (ROA) to Return on Assets (ROA) at Bank Muamalat Indonesia from 2003 to 2011. The data used in this study is secondary data quarterly reports period 2003-2011 are available on the official website of Bank Muamalat Indonesia is www.muamalat.co.id. For this study, the authors use the classic assumption test that includes test for normality, heteroscedasticity test, multikolonieritas test and autocorrelation test. The analysis technique used is multiple regression and hypothesis testing using the t test for testing the partial regression coefficient and F-test to test the effect together. Results of this study are Capital Adequacy Ratio (CAR) has a significant positive effect on Return on Assets (ROA), Non Performing Financing (NPF) has no significant negative impact on Return on Assets (ROA), and Operational Efficiency Ratio (BOPO) has a significant negative Return on Assets (ROA). Keywords: ROA, CAR, NPF, BOPO.

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