The purpose of this study is to analyze the risk of financing mudharabah,
musyarakah, murabahah, third party funds (DPK), and operating income (BOPO)
on profitability (ROA) at Islamic commercial banks in Indonesia that are listed in
the OJK for the 2011-2019 period. This research is a quantitative research. The
sampling method used was purposive sampling method as many as 8 banks. The
research conducted by testing was the researcher used 54 data. Data collection
techniques in this study are descriptive statistics, classical assumption test,
multiple linear regression analysis, and hypothesis testing. The results revealed
that mudharabah financing risk had a positive and significant effect on
profitability, musyarakah financing risk had a positive and not significant effect
on profitability, murabaha financing risk had a negative and significant effect on
profitability, third party funds (DPK) had a positive and not significant effect on
profitability, and operating expenses operating income (BOPO) has a negative and
significant effect on profitability.