Effect of Non-Performing Financing and Operating Expenses on Operating Income on Profitability (ROA) Bank Bukopin Syariah Period 2014-2022

In this research, the author intends to examine futher whether ROA is influenced by BOPO and NPF, or influenced by other factors. The author hopes to provide additional knowledge about how to minimize the use of NPF and BOPO so that the ROA at Bank Bukopin Syariah does not decrease from year to year. Using multiple linear regression daya analysis techniques with a total of 108 data samples, using SPSS Statistic. The results of this research, Namely H1 and H2, are accepted, which means that NPF and BOPO have a partial influence on ROA (Y). Then it is simultaneously stated that H0 is accepted, meaning that there is an influence of X1 (NPF) and X2 (BOPO) on Y (ROA).