ABSTRACT This research purpose was to determine the effect of Non-Performing Financing (NPF) Capital Adequacy Ratio (CAR), Operational Cost of Operating Income (BOPO), Return on Asset (ROA) and Net Interest Margin (NIM) on Financing to Deposit Ratio (FDR) on Sharia Commercial Banks registered and supervised by the Financial Services Authority (OJK) period 2014-2018. This research refers to the signalling theory with descriptive statistical analysis. The sampling technique was purposive sampling method of 12 Sharia Commercial Banks.
The data collection techniques used were documentation method toward the process secondary data collection in the form of annual financial statements (annual report) during the period 2014 to 2018 which has been published by OJK website and website of each bank concerned. The analysis techniques used in this research is multiple linear regression with SPSS. The results of the research partially state that CAR has a positive effect on FDR. Variable NPF BOPO, ROA and NIM do not affect FDR.