The Effect of Return, Cost, Financing Factors and Risk on Profitability of Sharia Banks in Indonesia

Some of the factors identified as influencing profitability Islamic banks include asset growth, volume financing, low non-performing financing ratios, optimal distribution, large income spreads, low-cost funds, professional internal management, prudential principles in channeling and several other that have an influence on banking. This research is explanatory (explanative research). Explanatory seeks to explain causal relationship between variables by testing hypotheses. The purpose this test proposed hypothesis regarding firm's fundamental sharia stock prices dependent variable. also quantitative. quantitative approach related data form numbers can be used with mathematical operations (Muhamad, 2008: 203). study uses time series monthly from January 2022 June 2022. focus condition all banking Indonesia. Partially, deposit ratio (FDR) has a positive significant shows FDR direct effect banking, because describes bank's ability channel liquidity. If <80%, bank will burdened profit sharing third parties additional Minimum Statutory Reserves (GWM) Bank Indonesia, so not optimal. On hand, if > 100%, it indicates liquidity disrupted.